Bringing working capital to Dutch businesses, profitably with Mambu
BridgeFund, an Amsterdam-based fintech, leveraged Mambu’s cloud-native platform to scale operations, achieve profitability, and enhance customer satisfaction while providing flexible financing to SMEs across the Netherlands.
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- loans to entrepreneurs to date
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- million loans issued to date
BridgeFund
About the customer
BridgeFund is an Amsterdam-based fintech founded in 2018, offering alternative financing solutions to small and medium-sized enterprises (SMEs).
The company offers a two-sided online platform that connects entrepreneurs in need of working capital with investors seeking to preserve their wealth. Entrepreneurs can deposit funds to earn interest and borrow money to invest, bypassing traditional banks. BridgeFund provides business loans from €5,000 to €250,000 with interest rates starting at 1.3% per month.
The application process is fully automated and online, allowing entrepreneurs to receive clarity on how much they can borrow within 24 hours. Since its inception, BridgeFund has issued over 13,000 loans totalling more than €800 million.
The challenge
Preparing for the next phase of growth
From inception BridgeFund's mission has been to improve access to capital for entrepreneurs in the Netherlands, giving SMEs a clear insight into how much they can responsibly borrow based on their real-time cash flow. However, their in-house-built system was becoming a barrier to growth.
As the company expanded, the system struggled to handle increasing transaction volumes and meet the demand for faster loan decisions. The slow, manual processes were hindering scalability and preventing BridgeFund from offering the speed and efficiency required by SMEs seeking funding.
To continue scaling and to stay competitive, BridgeFund needed infrastructure built for scale and regulatory robustness. The company required a solution that could support their existing offerings and allow for faster decision-making.
“We realised that in order to fulfil our mission of bridging the capital gap for SMEs, we needed to streamline our core foundation. However, our in-house system wasn’t built with large scale expansion in mind, so we had to look at alternatives - this is when we found Mambu.”
- Jeroen Groeneweg, CTO at BridgeFund
The solution
SME lending, done better
To overcome the limitations of its in-house system, BridgeFund chose Mambu’s core banking platform, underpinned by Amazon Web Services (AWS). The decision was influenced by Mambu’s experience with similar use cases in the Netherlands, its quick time-to-market, and its scalability.
Mambu supported BridgeFund to quickly transition from legacy infrastructure, launching its deposit services in just six months. As of Autumn 2024, the Mambu platform fully supports both deposit and lending products, giving BridgeFund the flexibility it needed to expand its offerings.
The cloud-native platform allowed BridgeFund to automate loan decision-making using real-time transaction data, significantly improving speed and accuracy.
“Mambu’s quick time-to-market meant we were online with deposits in just six months and are currently working on doing the same with lending.”
- Jeroen Groeneweg, CTO at BridgeFund
The result
Profitability and growth, supported by Mambu
Two years since the implementation of Mambu’s cloud-native platform, BridgeFund has seen impressive growth and significant operational improvements. In 2024, the company achieved €39 million in revenue, marking a 74% increase from the previous year. In the first half of 2025, BridgeFund reached profitability for the first time.
BridgeFund also experienced a remarkable increase in loan volume. In the first half of 2025 alone, the company issued €115 million in loans, versus just over €200 million in capital provided in all of 2024.
This reflects the scalability of the Mambu platform, which has allowed BridgeFund to process a growing volume of transactions and meet the increasing demand for its services.
Looking ahead, BridgeFund continues to focus on technology investments with plans to expand its operations beyond the Netherlands into other European markets when the time is right. With Mambu at its core, the company aims to maintain its growth trajectory while ensuring responsible lending practices and high customer satisfaction.
Helping BridgeFund
reinvent SME lending
From a legacy infrastructure to a flexible and agile platform,
powered by Mambu, built for scale and growth.
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