“Can an automated, bank-bypass SME lending platform profitably serve the Dutch working-capital gap at scale using cloud-native lending infrastructure?”
Founded in 2018 in Amsterdam, BridgeFund operates as an alternative online lending platform that connects Dutch SMEs seeking working capital with investors. The company bypasses traditional banks by automating the loan application process, offering business loans from €5,000 to €250,000 with same-day decisions. To scale beyond its initial technology stack, BridgeFund adopted Mambu's cloud-native platform, enabling it to grow to over 13,000 loans issued and reach profitability. The embedded finance angle is the platform's use of Mambu as core lending infrastructure rather than building proprietary loan management software.