AI-powered lending and proactive financial advice for scaling businesses. Credit decisions in minutes, not months.
See how we workGood morning, Sanne
Your Pulse Score
Excellent
Growth trajectory
+12%
vs. last month
Credit line: €250,000 approved
Opportunity spotted
Now could be the right time to expand capacity.
Tap to review →
Funding
Insights
Advisor
6 weeks
Average time to get a credit decision
Traditional lenders make credit decisions based on last year's numbers. They ask for stacks of financial statements, run them through committees, and get back to you in weeks — if you're lucky.
Meanwhile, your business has already moved on. You need capital when the opportunity is there, not when your lender finally finishes reviewing your annual report.
We don't dig through your history. We analyse real-time payment data, market trends, sector benchmarks, and your actual cash flow to predict where your business is heading.
Automated credit decisioning means you get a clear yes or no while the opportunity is still on the table. No committees. No waiting.
Your dedicated advisor is backed by AI that tracks your market, your peers, and your growth patterns. So when they call, it's with an opportunity — not a question about last quarter.
Three steps. No paperwork. No waiting rooms.
Link your accounting software and accounts. Pulse starts analysing your real-time financials, market position, and growth trajectory automatically.
Our AI builds forward-looking scenarios based on your data, sector trends, and peer benchmarks. You get a credit decision in minutes — not weeks.
Your dedicated advisor reaches out when they spot an opportunity: a smart moment to invest, expand, or refinance. Backed by data you haven't even seen yet.
Step 1 of 3
Connect your data
Exact Online
Accounting
Business account
Payment data
Shopify
E-commerce
Analysing your data...
Building growth trajectory
We approve credit based on where your business is going — not where it's been. Traditional risk models can't compete with that.
Our advisors reach out with opportunities before you even know to ask. Your current lender waits for you to call them.
Gen Z founders don't want to upload PDFs and wait for committees. They want answers now. We're built for how they work.
Pulse is made for fast-growing Dutch businesses led by founders who run lean, think fast, and refuse to let their financial partner slow them down.
"We were growing 40% year-on-year and our previous partner still wanted three months of paperwork before they'd even discuss a credit line. Pulse looked at our data, understood our trajectory, and said yes in one afternoon. And last month, our advisor called us with an acquisition opportunity we hadn't even considered. That's a partner that gets it."
Sanne de Vries
CEO — Brandward (€18M digital commerce, 22 employees)
4 min
Average credit decision
€1.2B
Credit approved
2,400+
Businesses on Pulse
94%
Would recommend