Kurio

Kurio is a Dutch business financing adviser for SMEs: owners upload a year of business bank statements, and its AI reads the transactions to show what level of financing looks achievable. An adviser then picks the right lender with the owner and handles the application — the lender makes every credit decision, and the owner pays nothing because the lender pays Kurio.

Business financing no longer comes from the bank alone: dozens of lenders now compete, each with its own product, and knowing where to apply has only got harder. Kurio points to a telling gap — a third of SMEs that look for financing never apply at all.

The company was started to help owners see where they stand before they apply, and avoid pitching the wrong lender first. Kurio was founded by Vincenzo Tumolo in Dordrecht.

Specifics on the founder's background aren't disclosed, but the focus is sharp: Kurio is built for Dutch BVs that want to grow and have no finance director in house — a clearly defined customer the founding team has chosen to serve end to end.