Ansökan

We’re the start of New

A loan to
end all bad loans
& lower costs

Challenging growing indebtedness

Since 2016, we’ve helped thousands of Swedes to regain control of their own finances.  
Scaling to become Europe´s #1 provider of sustainable debt consolidation solutions
We challenge growing consumer indebtedness in Europe with sustainable subprime debt consolidation solutions  
Developing and using new technology and methodology for superior risk control - transforming high risk customers into low risk  

55%

Growth per year since 2017

2 Markets

Norway and Sweden

4.6

Trustpilot score

A unique customer proposal

Sustainable debt consolidation solutions for highly indebted consumers
A financial recovery solution for individuals bluntly profiled as high-risk/subprime borrowers by legacy credit scorings
Consolidating all existing loans and credit to one lower-priced unsecured loan
100% refinancing of old debt – no additional debt
Automatically replacing all existing loans on behalf of the customer - no money is payed to the customer

Strong customer benefits

Lowering costs and nudging towards freedom of debt
Drastically improving the customer’s financial situation by lowering costs (2 pp and SEK 5,000/month on average)
Applying clear demands and rewards in customer relation
Gradually strengthening customer creditworthiness and official credit scores
A new path towards financial inclusion and stability

Disrupting legacy credit models

Keeping default risk low through superior use of data
Developing and using new technology and methodology for superior risk control - transforming high risk customers into low risk
AI-powered risk analytics engine and lending model generating deeper real-time insights
Deep screening of applicant’s cash flows and risk to predict ability and willingness to repay
Credit allowance process including P2P personal interaction with each customer

Our way forward

Scaling to become Europe´s #1 provider of sustainable debt consolidation solutions.
Distribution growth – new market launches and new partnerships
AI-powered risk analytics engine and lending model generating deeper real-time insights
Efficient funding – financial sustainability and competitiveness from low-cost funding

Contact us