Duqu
Duqu is a Dutch fintech that provides short-term business loans to SMEs and freelancers by advancing up to €10,000 against already-issued invoices within 24 hours of approval. Unlike factoring, Duqu doesn't buy the invoice, so the client relationship stays with the business, and the customer never gets notified. Repayment is automatic via direct debit or business Tikkie, with a flat 2.9% fee for the first 30 days.
- Financial Technology
- Software Only
Funding
Raised to date
€1.5MRaised to date based on public sources. This may differ from the amount the company actually raised and is based only on what is publicly available on the internet.
Est. $1.6Macross 1 round
€1.5M · Pre-Seed
Announced Sep 2026 · from article date
Disclosed cumulative: $1.6M
Founders
Product
Problem
Small and medium-sized businesses often face cash flow gaps because clients pay invoices late, forcing them to delay purchases, salaries, or new projects. Traditional financing options like factoring or bank credit involve lengthy approval processes, heavy paperwork, and can hurt customer relationships by involving third parties in the payment process.
Solution
Duqu provides a fast and flexible invoice-advance service that lets businesses access up to €10,000 within 24 hours of approval. Rather than selling the invoice, Duqu issues a short-term business loan, so the company stays the owner of the invoice and the client pays directly to them. Users connect their business bank account via PSD2, and Duqu assesses eligibility based on transaction history, with no minimum revenue requirement. Repayment is automatic via direct debit or a business Tikkie, and the entire process is managed through a secure app with no lock-in contracts or hidden fees.
Target Audience
Primary users are Dutch small and medium-sized enterprises (SMEs) and freelancers who have issued final invoices and need immediate working capital to cover operational costs such as inventory, materials, or salaries.
Features
- Invoice advances up to €10,000, with a flat 2.9% fee for the first 30 days and pro-rata 2.9% monthly interest afterward
- PSD2-based bank account linking that analyzes transaction history for instant limit determination, without exposing login credentials
- No invoice sale (no cessie), meaning the client relationship and invoice ownership remain entirely with the business
- Client never receives notification; payments continue flowing directly to the business's own account
- No subscription, no setup costs, and no minimum turnover requirement—one invoice is sufficient to apply
- Per-invoice flexibility with no annual contract, allowing businesses to request advances only when needed
- Works with all major Dutch banks, with applications reviewed and answered within 24 hours