Bunq does not provide credit to customers, but why not?
I've seen this in Dutch:
"Als bunq willen we geen leningen aanbieden. Waarom? We geloven niet in geld verdienen met andermans geld."
I also don't believe in making money with other people's money, which basically means charging interest (usury). This is forbidden by many religions (at least originally) for a good reason.
It would help out a lot of people if you would lend them money without charging interest. Also this reduces risk for the bank of a debtor not paying back, since the debtor does not have to pay interest. Bunq could still earn some money by charging administration costs once, for instance 20-50 euros for whatever is needed.
Why not start out with microcredits of up to 10k? See how it goes. I believe people want to and will pay back the money.