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08 Dec 17:50

Capsearch in de spotlight bij Holland Fintech

Capsearch is a financial marketplace for SMEs with the goal to increase access to capital. Currently more than 30 lenders are connected, which results in a wide scope of financing options. The application, launched last May, is now available in the Netherlands and is already serving numerous businesses via their affiliated intermediaries.

Capsearch is a fintech start-up providing an application enabling to match supply and demand for SME financing. To do so, the company standardized the financing process from different lenders in the market (banks, crowdfunding, leasing, factoring, etc). SME advisors use the platform to create credit applications and process these applications to different lenders. This system ensures SMEs to receive several quotes from different sources of financing and to make credit application easier for every actor in the field: on one end are the customers and on the other are the lenders. Picture Capsearch as the middle knot tying them all together in one channel.

The core customers are accounting firms and financial advisors. Capsearch strongly believes in the role of advisors in the SME financing market. Due to the increasing number of lenders and the diversity of products, advice of an independent advisor is of great importance. Research underlines this importance, as 60% of all entrepreneurs involve their SME advisor when seeking for financing. The shift in lenders’ business models emphasizes the role of the advisor, because high street banks are moving towards online service models which means downsizing the front office. In addition alternative lenders are outsourcing advice and are strongly depending on advisors.

Capsearch offers a wide fund range (100k – 15M), can handle all different financing structures and enables hybrid financing by showing all the financing possibilities. It can be considered as one of the most advanced tools on the market. The start-up is already active with extra services because they noticed that customers and lenders are interested in using the software as internal system or as a white label. In addition, the software is used as a CRM system where all customer data is stored. This makes the software part of the customers working processes.

The start-up is based in Amstelveen, from where the team operates across the Netherlands. The idea behind Capsearch was born in 2016, while the two co-founders were working at ABN Amro Bank. After meeting with potential clients to pitch their project and receiving a declaration of intent of one of the big four accountancy firms, the two founders were driven by the enthusiasm the project encountered. After months of preparation, they launched the product. The current team exist of five people.

As for the culture pushing Capsearch, it is a blend of start-up characteristics: flexible, open, and dynamic, with a team able to withstand a rather important workload, driven by one goal: to increase access to capital.

When asking about the future, co-founder Max Henny replied: “compare it with standardisation process in the mortgage industry, which is considered as very transparent, the SME financing industry is going in the same direction”. Capsearch foresees the entry of several new lenders in the market like institutional investors and private equity parties who will compete with the hight streets banks. These lenders are seeking for ways to finance SMEs efficiently and Capsearch is able to facilitate this. With the software these parties can set up their internal assessment processes digitally but also receive leads from the network of affiliated intermediaries. The ambition is to set the standard at first in the Netherlands. In addition, the company is currently investigating in which countries they want to expand.

Capsearch joined Holland FinTech in 2016. As a forming start-up, there are a lot of challenges: it can sometimes be quite difficult to find the way. This was one of the motives to join the Holland FinTech network, as well as the opportunity as a start-up to connect with corporates and other players.

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12 Jul 19:50

Capsearch ontwikkelt platform voor kredietverstrekking aan MKB

De Nederlandse FinTech-startup Capsearch zet naar eigen zeggen de financieringsmarkt voor het MKB op scherp. Dit wordt mogelijk gemaakt door het combineren van financiële expertise en gebruiksvriendelijke software die vraag en aanbod op één platform samenbrengt en het proces van financieringsaanvragen standaardiseert.

“Capsearch voorziet in de behoefte van veel ondernemers en intermediairs die de gangbare kredietverstrekking als nodeloos kostbaar, tijdrovend en complex ervaren. Capsearch maakt de financieringsmarkt voor het MKB transparant en toegankelijk. De praktijk wijst dit al uit: verschillende gerenommeerde accounting- en financieel advieskantoren gebruiken Capsearch naar volle tevredenheid, getuige de reeds verstrekte financieringen door de Nederlandse grootbanken, alternatieve financiers en lopende aanvragen in nog geen twee maanden tijd,” aldus Capsearch.

Capsearch is begin 2016 opgericht door Max Henny en Arjan Buis. Zij hebben op grond van concrete behoeften in de markt in een jaar tijd de software ontworpen en uitvoerig getest. Medeoprichter Max Henny: “Het huidige financieringslandschap is veel te complex. Gevestigde banken bedienen het MKB steeds meer gecentraliseerd of via eigen portals. Alternatieve kredietverstrekkers komen met uiteenlopende constructies zoals crowdfunding, factoring en (achtergestelde) leningen. Onze missie is enerzijds om transparantie te creëren in het oerwoud van financiers en anderzijds om toegang tot kapitaal te vergroten.”

Capsearch richt zich op intermediairs zoals accountants en financieel specialisten. Ze kunnen met Capsearch hun klanten adviseren, financieringsaanvragen genereren en indienen bij verschillende kredietverstrekkers. Capsearch maakt gebruik van Standard Business Reporting (SBR), de standaard voor het samenstellen en aanleveren van financiële informatie.

Max Henny (32) en Arjan Buis (43) komen bij ABN Amro Bank vandaan en hebben jarenlange ervaring met kredietverstrekking aan het MKB. Max Henny was relatiemanager Bedrijven. Arjan Buis was Directeur MKB.

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12 May 17:50

ABN AMRO Opleiding

Capsearch heeft in samenwerking met ABN AMRO Bank een opleiding georganiseerd voor haar klanten. ABN AMRO bank heeft in een middag uitgelegd waar ze op beoordelen bij een kredietaanvraag. De middag werd afgesloten met een borrel.

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