Updated October 17, 2026 · BorrowCue Editorial Team
CapitalBox NL vs Lendela
CapitalBox NL vs Lendela: the differences
| Compare |  CapitalBox NL |  Lendela |
|---|---|---|
| Loan amount | €5,000 to €500,000 | SGD 1,000 to SGD 200,000 |
| Funding time | usually next business day after acceptance | Around 1-2 days from application to disbursement; some within hours |
| Eligibility | Business active for at least 24 months | Age 21 or older; Singapore citizen or PR (foreigners also considered, higher income threshold); min annual income SGD 20,000-30,000 citizens/PR |
| Loan types | Business | Personal, Debt consolidation, Business, Secured, StudentCovers more |
| APR | Not confirmed | up to 48% |
| Term | Not confirmed | 3 to 72 months |
| Arrangement fee | Not confirmed | SGD 0 |
| Credit check | Not confirmed | None |
| Representative example | Not confirmed | Personal loan: $20,000 at APR 6.95% over 5 years, total payable $26,940, monthly cost $449 |
| Lender type | Not confirmed | Marketplace |
| Free early repayment | Yes | Not confirmed |
| Credit needed | Not confirmed | Fair |
| Use cases | Not confirmed | Home improvement |
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Key differences
- CapitalBox NL scores higher overall: 9.4 vs 8.5.
- Support channels: only Lendela offers Email, Phone.
- Loan types: only Lendela offers Personal, Debt consolidation, Secured.
Our verdict on each
CapitalBox NL
CapitalBox NL supplies business loans and flexible credit facilities for small and medium enterprises in the Netherlands. It supports established owners funding expansion projects, managing seasonal costs and consolidating existing business obligations through dedicated SME financing with clear local focus.
Lendela
Lendela suits Singapore borrowers who want a fast loan without a credit check. The marketplace matches amounts of SGD 1,000 to SGD 200,000 over terms of 3 to 72, with an APR of up to 48% set by the lender you are matched to.
Score breakdown
| Area | CapitalBox NL | Lendela |
|---|---|---|
| Cost | 9.2 | Not confirmed |
| Offer | 9.7Higher | 8.9Fees are SGD 0 to arrange a personal loan and SGD 0 on the mortgage side. |
| Trust | Not confirmed | 8.2 |
Where they rank in our lists
| Ranking | CapitalBox NL | Lendela |
|---|---|---|
| Business loans | 12 of 438 | 10 of 438 |
Side by side, item by item
| Loan types | CapitalBox NL | Lendela |
|---|---|---|
| Personal | No | Yes |
| Debt consolidation | No | Yes |
| Secured | No | Yes |
| Business | Yes | Yes |
| Student | No | Yes |
What we checked
CapitalBox NL
- capitalbox.nl: 7 facts, checked October 17, 2026
Lendela
- sg.lendela.com: 16 facts, checked September 26, 2026
- hk.lendela.com: 1 fact, checked September 26, 2026
Every fact side by side
| Fact | CapitalBox NL | Lendela |
|---|---|---|
| Features | Not confirmed | Same day funding, Credit line |
| Legal entity | Not confirmed | Lendela Pte. Ltd. |
| Headquarters | Netherlands | Singapore |
| Founded | Not confirmed | 2018 |
| Support channels | Help centre | Email, Phone, Help centreCovers more |
Mortgages
| Fact | CapitalBox NL | Lendela |
|---|---|---|
| Initial rate | Not confirmed | 2.4% |
| Product fee | Not confirmed | SGD 0 |
| Purpose | Not confirmed | Purchase, Remortgage |
Where each stands against the rest
| Fact | CapitalBox NL | Lendela | Median |
|---|---|---|---|
| APR | Not confirmed | up to 48%highest quarter | 8.95 |
| Term | Not confirmed | 3 to 72 monthsabove the median | 60 |
Median across 1190 listed lenders.
Pros and cons
CapitalBox NL
Pros
- Focuses solely on small and medium enterprises seeking business funding in the Netherlands
- Provides lump sum business loans and flexible credit lines for varied purposes
- Holds recognised SME financier status and follows the sector conduct code
Cons
- Limits service to businesses established in the Netherlands with local ownership
- Restricts access to companies with at least 24 months of business activity
- Offers business funding only, with no products for private individuals
Lendela
Pros
- No credit check at all, and a fair credit profile is enough to apply.
- The range covers personal, debt consolidation and business lending under one roof.
- Funding is quick, with disbursement within hours on some applications.
Cons
- A marketplace model (marketplace) means the matched lender sets the rate, so up to 48% is a ceiling.
- That ceiling is steep next to 10% to 23% at Monzo Flex.
- Support runs on email, phone and help centre, with no live chat listed.
Who each suits
CapitalBox NL
Who it suits
- Owners of established Dutch SMEs planning growth
- Businesses managing seasonal costs or cash flow variation
- Entrepreneurs consolidating existing business obligations
Who should look elsewhere
- New businesses without an established trading history
- Private individuals seeking personal borrowing
Lendela
Who it suits
- Singapore citizens and permanent residents with a steady income who need money quickly.
- Borrowers with fair credit, or who would rather avoid a credit check altogether.
- Anyone funding home improvement work, its named use case: home improvement.
Who should look elsewhere
- Not for lowest rate seekers: Monzo Flex runs at 10% to 23%.
- Not for shoppers after a cost free product: Cashspace ES lists 0%.
- Not for borrowers outside Singapore: Cashspace serves the Philippines at PHP 12 to PHP 36.
Country by country
| Country | CapitalBox NL | Lendela |
|---|---|---|
| Hong Kong | No | Yes |
| Singapore | No | Yes |
Questions about each
CapitalBox NL
What products does CapitalBox NL provide?+
CapitalBox NL provides business loans for larger investments such as expansion, premises renovation or equipment purchase. It also offers a flexible business credit line for seasonal costs, stock requirements and general operational needs. A refinancing loan allows bundling of existing business obligations into one structure.
Which businesses suit CapitalBox NL?+
CapitalBox NL suits owners of small and medium enterprises registered and established in the Netherlands. Owners live in the Netherlands and the company uses Dutch business banking. Eligibility centres on established trading activity and registration with the national chamber of commerce.
Lendela
What APR does Lendela charge?+
The published APR runs to up to 48% on personal loans, and that figure is a ceiling rather than a rate every borrower pays. Because Lendela is a marketplace, the rate depends on the matched lender and on your own credit standing.
Are there fees to arrange a loan?+
The origination fee on personal loans is SGD 0, and the product fee on the mortgage side is SGD 0, so arranging a facility itself costs little. Interest remains the main price of the money, and the representative example shows how instalments add up.
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