Our Experience with Tupel
*20/10/25 EDIT TO TUPEL'S RESPONSE: The payments were made the exact same day and ahead of schedule precisely to clear balances SOONER, not later. Hence why the direct debit result as failed, but the invoices result cleared the very same day or even earlier. Once again, the problem was never repayment reliability (as we've also been told multiple times that we have a very good credit rating with Tupel) but the lack of transparency and consistency, we were told our €25,000 limit would reopen once cleared, yet it was later reduced and blocked entirely and we were told "We prioritise larger businesses rather than smaller ones". If needed we can upload screenshots and proof of all the conversations and exchanges.
*Our review reflects these facts, and we’re still open to updating it to a positive one if Tupel corrects the record and resolves the matter fairly.*
Our company has been using Tupel for business financing and, until recently, everything went smoothly. However, we’ve encountered a situation that has been quite disappointing and confusing.
On the 14th of October, we were informed that our €25,000 credit limit had been approved and that full access would follow once previous balances were cleared. We immediately complied and paid everything off. Shortly after, the approved limit was reduced to €13,000, and we were then told that the platform now prioritises larger accounts therefore we did not have access even to those €13,000.
We understand that systems can change and that processes may be automated, but the way this was handled felt inconsistent and unclear. The explanations provided haven’t matched the earlier assurances.
Our goal isn’t to criticise unfairly but to encourage transparency and fairness. Small and medium businesses also rely on stability and clear communication, especially when they act in full compliance with the stated requirements.
We genuinely hope Tupel reviews the matter and restores confidence in the platform.
Reply from Tupel
Thank you for taking the time to share your feedback. We're sorry to hear about your frustration with how this situation unfolded.
You're absolutely right that the communication could have been clearer, and we apologise for that. When credit limits adjust automatically based on real-time business data, we should have done a better job explaining what was happening and why.
Our credit limits are determined automatically through your connected bank integrations. When business activity and cash flow metrics change, limits adjust accordingly, which is what happened when your limit moved from €25,000 to €13,000 and below.
We also need to mention that multiple direct debit payments from your account failed during this period, which required manual intervention from our team to request and reconcile. Reliable repayments are essential for our automated platform to function effectively.
Based on your current activity levels and the repayment issues we encountered, we believe our platform isn't the right fit at this time.