“Can a bank-owned fintech become the embedded SME lending engine for North-West Europe?”
New10 was launched in 2017 as ABN AMRO's fintech subsidiary to modernize SME lending in the Netherlands, offering fully online business loans between EUR 20,000 and EUR 1,000,000 with a 15-minute decision. It has since evolved into an embedded lending platform that ABN AMRO itself distributes through partner platforms, positioning New10 as the technology engine for SME financing across North-West Europe.
New10 discloses ABN AMRO (parent bank) as its banking provider, with ABN AMRO Bank N.V. as its sponsor bank, according to the Embedded Finance Index 2026.
New10 does not disclose a bank charter of its own; its banking services are provided through ABN AMRO Bank N.V..
New10's lending and capital products are provided by New10 (in-house, backed by ABN AMRO).
The Embedded Finance Index 2026 maps 3 layers in New10's stack: Banking / BaaS (ABN AMRO (parent bank)); Lending (New10 (in-house, backed by ABN AMRO)); Sponsor bank (ABN AMRO Bank N.V.).
New10 is founded in 2017 and headquartered in Amsterdam, Netherlands.
Get a read on where your own stack stands against New10 and the rest of its category — what they built versus bought, which providers they use, and where the gaps in your own strategy and competitive set actually are.