New10

New10 is a Berlin-based fintech platform that has carved out a distinct niche in SME lending by combining AI-driven credit assessment with a marketplace model. Rather than traditional bank underwriting, the company uses machine learning to evaluate small business creditworthiness, then connects approved borrowers with a network of institutional lenders—a model that sidesteps the gatekeeping that keeps many SMEs shut out of conventional finance. The platform processes loan requests from companies across Europe, particularly in Germany and the broader DACH region, offering faster turnaround and more transparent terms than legacy banking. What sets New10 apart is its infrastructure-first approach: it's built less as a consumer app and more as a B2B2C system that other platforms and financial institutions can integrate into their own offerings. The company has positioned itself as the connective tissue between borrowers desperate for working capital and investors hungry for diversified credit exposure. In a landscape where SME lending remains fragmented and inefficient, New10 functions as both platform and accelerant, democratizing access while simultaneously proving that algorithmic credit assessment can work at scale across European markets.