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Lender & Spender

Rank #29
Personal Loans
Direct Marketplace Lending
Explore Lender & Spender
Funded Since July 2017
Minimum Investment
Auto Invest
Secondary Market
Ring Fence

What is Lender & Spender?

Lender & Spender operates a direct marketplace lending platform, which means it operates the "traditional" or "pure" P2P lending model and serves as an online space where borrowers can apply for loans and investors can fund projects. Lender & Spender is run by Lender & Spender BV, headquatered in the Netherlands. It carries a credit license from Netherlands's Authority for Financial Markets (AFM).

Lender & Spender makes it possible to provide funding to individuals by investing in personal loans. You can also apply for funding if you are an individual seeking financing.

What does Lender & Spender offer?

At Lender & Spender, you can make EUR-denominated investments starting from €100. You can also set up an auto-invest feature and buy and sell loans on a secondary market.

Lender & Spender separates investors’ funds from the platform company assets and has a wind-down plan in place to ensure minimal damage in case the platform goes out of business. It discloses statistics about its funded loans on a dedicated public page and shares its monthly funding volumes with P2PMarketData.

Who founded Lender & Spender?

Lender & Spender was founded in 2014 by Robert Leclercq and Huub van der Wart.

Robert has over 15 years of experience. His professional background is mainly in banking, and finance. Robert has been, for example, a Director at ABN AMRO Bank — a dutch bank, and an Associate Director for Corporate Finance at KPMG Nederland — a business management consultancy. He's graduated from Maastricht University.

Huub has over 20 years of experience. His professional background is mainly in entrepreneurship, and software development. Huub has been, for example, an Owner at Kant en Klare Site — a software company, and a Technical Account Manager at Google. He holds a Master's degree from Erasmus University Rotterdam in Informatics and Economics.

Lender & Spender Details

Legal Company Name
Lender & Spender BV
Business ID
Main Currency
Euro (€)
Headquarters Location
Founded Date
October 2014
Launch Date
July 2017

How is Lender & Spender regulated?

License Name License Key Regulatory Entity Country
Consumer Credit Provider 12043019 Authority for Financial Markets (AFM) Netherlands

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