Creditos Kapel

What we do: Creditos Kapel specializes in providing accessible credit services to small businesses and individuals across Belgium. We offer short-term loans, revolving credit lines, and personalized financing options designed to address immediate cash flow needs, expansion opportunities, or personal financial gaps. Our core value lies in streamlined application processes with rapid approvals, often within 24 hours, using digital platforms for efficiency. Unlike traditional banks with lengthy procedures, we focus on flexible terms and local market understanding to solve funding challenges for underserved clients.

Where we are located: Headquarters in Brussels, Belgium. We operate nationwide, with a strong presence in Flanders and Wallonia, serving urban and rural clients through online channels and select partner locations.

Short history: Founded in 2015 by a team of financial experts with backgrounds in banking and fintech, Creditos Kapel started as a micro-lender targeting SMEs. Key milestones include launching our mobile app in 2018 for instant applications, expanding to consumer loans in 2020, and reaching over 10,000 clients by 2023. Steady growth has been driven by word-of-mouth referrals and partnerships with local business networks.

Organization & culture: With a team of 25 professionals, including credit analysts, customer support specialists, and IT developers, we foster a collaborative environment emphasizing integrity, innovation, and client-centricity. Our values—transparency, agility, and community focus—create a dynamic workplace with flexible hours, continuous training in financial regulations, and a flat hierarchy that encourages idea-sharing.

Recent developments: In 2025, we introduced AI-driven credit scoring to enhance approval accuracy and reduce risk. We're pursuing expansion into sustainable financing products and have formed alliances with Belgian trade associations to support green business initiatives.