Bloom
Bloom (Bloom Group S.A.) is a London-based fintech that provides non-dilutive, revenue-based financing of £10K–£10M to UK and European ecommerce brands and SaaS companies, using Open Banking data and AI credit decisioning to issue 24-hour funding offers.
- Company typePrivate
- Founded2019
- HeadquartersLondon, United Kingdom
- Headcount11–50
- GTM typeB2B
- OfferingServices
What Bloom does
Bloom Group S.A. is a London-headquartered fintech founded in 2019 that provides non-dilutive, revenue-based financing (RBF) to growth-stage digital businesses, primarily ecommerce brands and SaaS companies with recurring revenue, in the United Kingdom and Europe. Its core products are Inventory Funding (working capital for ecommerce sellers to purchase stock and fund marketing) and Working Capital / Recurring Funding (advances against SaaS MRR), with ticket sizes ranging from £10,000 to £10 million and repayment structured as a fixed percentage of monthly revenue under a pay-as-you-go model — businesses only repay when their own customers pay them, with no equity taken and no personal guarantees required. Underlying technology includes Open Banking account connectivity through Plaid and an AI-driven credit decisioning engine that produces funding offers within 24 hours; sub-products cover Shopify, Amazon, eBay, and WooCommerce merchants, and the platform extends into purchase order financing, an embedded-lending partner program, and a payment-processing service (Bloom Payments).
Bloom monetizes through transaction-based fees on deployed capital, a per-transaction rate on purchase order financing (starting at 0.99% plus £0.15), and payment processing fees (starting at 0.99% per transaction across 200+ methods), with no application fees, credit checks, or warrants. Distribution is product-led and self-serve via app.letsbloom.com, supplemented by platform integrations with the four dominant ecommerce marketplaces, content marketing and SEO through its blog and resource library, and an embedded partner channel. The company raised a £300 million Series A in May 2022 co-led by Credo Capital Partners and Fortress Investment Group LLC — at the time the largest RBF round in Europe — and has committed £500 million to be deployed to founders over an 18-month period.
Bloom firmographics
Firmographics- Name
- Bloom
- Legal name
- Bloom Group S.A.
- Website
- https://letsbloom.com
- Company type
- Private
- Founded year
- 2019
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Bloom (Bloom Group S.A.) is a London-based fintech that provides non-dilutive, revenue-based financing of £10K–£10M to UK and European ecommerce brands and SaaS companies, using Open Banking data and AI credit decisioning to issue 24-hour funding offers.
- Ownership category
- akta.pro rank
Bloom industry classification
Industry- Product category
- Revenue-Based Financing / Alternative Lending
- NAICS
- Other Nondepository Credit Intermediation (52229), Nondepository Credit Intermediation (5222), Activities Related to Credit Intermediation (5223)
- SIC
- Short-Term Business Credit Institutions (6153), Finance Services (6199)
- akta.pro primary industry
- Merchant Cash Advance (MCA) & Revenue-Based Financing (FSAKAGAD)
- akta.pro secondary industries
- Merchant Cash Advance & Revenue-Based Financing Enablement (FSAGALAH), Revenue-Based Financing (RBF) Providers (FSANAIAF)
Keywords
Where Bloom is headquartered
LocationHeadquarters
- HQ city
- London
- HQ country
- United Kingdom
- HQ region
- Europe
Offices1 record
Markets served
Bloom business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Technology or R&D, Personnel, Marketing or Sales, Operations
Revenue model
- Revenue-based financing fees: Bloom provides non-dilutive capital to ecommerce and SaaS businesses in exchange for a share of future revenue. Businesses repay as a percentage of their revenue until a predetermined amount is reached. The model is consumption-based — repayments fluctuate with business performance. No equity is taken, no personal guarantees required.
- Purchase order financing: Bloom extends purchase order financing to ecommerce stores, providing capital to pay suppliers before invoicing buyers. Repayment is made after customers pay, with a fee starting at 0.99% per transaction plus £0.15 per transaction.
- Payment processing services: Bloom offers payment acceptance services with over 200 payment methods, starting from 0.99% per transaction, enabling merchants to accept payments and access capital to grow their business.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Growth funding between £10K and £10M for ecommerce and SaaS businesses with no dilution and no personal guarantees. |
| Transaction based/ take rate | Pay-as-you-go | Purchase order financing at competitive rates with no hidden charges, starting as low as 0.99% + £0.15 per transaction. |
| Transaction based/ take rate | Pay-as-you-go | Payment acceptance services with simple pricing starting from 0.99% per transaction, supporting over 200 payment methods. |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels4 records
Bloom product offering
Product offeringCore offering
Bloom provides non-dilutive revenue-based financing (RBF) to eCommerce and SaaS businesses, offering growth capital between £10K and £10M in exchange for a percentage of future revenue. Repayments are revenue-linked and only begin when the customer receives payment from its own customers, with no equity dilution, personal guarantees, credit checks, or warrants required. Funding decisions are made within 24 hours through a fully digital application powered by AI credit decisioning and Open Banking data integration.
Product overview
Bloom Group S.A. operates as a fintech company offering revenue-based financing (RBF) to digital entrepreneurs and growth-stage businesses across Europe. The core product is revenue-based financing — a non-dilutive capital model where businesses repay a percentage of future revenue without giving up equity. The product portfolio includes: Inventory Funding (eCommerce financing for inventory, shipping, and logistics), Working Capital / Recurring Funding (for SaaS and subscription businesses with recurring revenue), Embedded Lending (white-label financing for platform partners), and platform-specific sub-products for Shopify, Amazon, and eBay sellers. An additional Bloom Payments module provides payment processing infrastructure with 200+ payment methods. The company differentiates through its pay-as-you-go credit model, no equity dilution, and no personal guarantees.
Differentiator
Problem solved
Functional benefit
Products and services
- eCommerce Funding (Inventory Funding) Revenue-based financing product for eCommerce businesses to fund inventory purchases, shipping, packaging, and logistics. Repayment is tied to a percentage of future revenue, with no equity dilution or personal guarantees required. Targets digital retail brands and online stores.
- Working Capital (Recurring Funding) Flexible growth capital that scales with business revenue for SaaS companies and businesses with recurring revenue streams. Provides up to £10M in funding with repayment based on a percentage of monthly recurring revenue, and automatically replaces churned contracts with active ones.
- Embedded Lending
Quantifiable outcome
- Get funded up to £10M within 24 hours
- +3 more outcomes
Companies that use Bloom
Customer profileNamed customers3 records
Segments3 records
Ideal customer profiles3 records
Bloom technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration5 records
AI capability1 record
Feature3 records
Bloom partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- PlaidcorePlaid is the Open Banking platform used by Bloom to securely connect to customer accounts and access real-time financial data for credit decisioning. Bloom's FAQ references Plaid as the technology partner enabling their account connection process.
Scale indicators5 records
Recent moves6 records
Expansion highlights5 records
Bloom competitors and assessment
Company assessmentBroad incumbents
- Shopify Capital: Shopify's native merchant cash advance / loan product for Shopify merchants, directly overlapping with Bloom's Shopify Capital sub-product. Incumbent embedded lending that constrains Bloom's marketplace positioning.
- Stripe Capital: Embedded financing product from Stripe offering cash advances to businesses based on their Stripe payment volume. Broad incumbent competing in the same revenue-linked lending space but as part of Stripe's full payments stack.
- Square Capital / Block, Inc. Square Capital (now part of Block) offers merchant cash advances to SMBs based on payment processing volume. Broad incumbent with revenue-linked lending as part of a much wider fintech portfolio.
Direct peers
- Uncapped: London-based revenue-based financing provider for online businesses and SaaS companies. Direct peer with overlapping UK/European footprint, similar revenue-share repayment, and founder-friendly non-dilutive positioning.
- Clearco: Previously Clearbanc; provides revenue-based financing to ecommerce and SaaS companies globally with non-dilutive capital tied to revenue share. Closest direct competitor to Bloom across product, target customer, and repayment mechanics.
- Capchase: Provides non-dilutive financing to B2B SaaS companies against recurring revenue contracts. Direct peer on the SaaS side of Bloom's recurring funding product, with similar revenue-share repayment model.
- Wayflyer: Dublin-based revenue-based financing platform focused on ecommerce and DTC brands, offering advances repaid as a percentage of revenue. Direct competitor to Bloom with overlapping product (inventory + marketing funding), similar customer base, and similar funding model.
- Liberis: UK-based embedded finance provider offering revenue-based financing and merchant cash advances to small businesses, often through platform partnerships. Comparable product suite with strong embedded lending overlap.
- Outfund: UK/EU-based revenue-based financing fintech funding ecommerce and SaaS brands with non-dilutive capital. Direct competitor in the same niche with comparable pay-as-you-go mechanics and digital onboarding.
Emerging players
- Funding Circle: UK-listed SME lending platform providing term loans and lines of credit to small businesses. Less direct overlap (term lending vs. RBF), but serves the same UK SMB funding market as Bloom.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights7 records
Customer concentration
Bloom social profiles
Digital presenceBloom financial estimates
Financial estimateRevenue estimate
Valuation estimate
Bloom leadership team
Management profileNumber of profiles
Profiles3 records
Bloom funding detail
Funding detailFunding overview
Funding rounds2 records
Investors4 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Bloom M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Bloom
What does Bloom do?
Bloom provides non-dilutive revenue-based financing (RBF) to eCommerce and SaaS businesses, offering growth capital between £10K and £10M in exchange for a percentage of future revenue. Repayments are revenue-linked and only begin when the customer receives payment from its own customers, with no equity dilution, personal guarantees, credit checks, or warrants required. Funding decisions are made within 24 hours through a fully digital application powered by AI credit decisioning and Open Banking data integration.
Is Bloom a public or private company?
Bloom is a private company. It is classified as venture growth investor backed and is currently operating.
When was Bloom founded?
Bloom was founded in 2019. It employs 11 to 50 people.
Where is Bloom based?
Bloom is headquartered in London, United Kingdom, in the Europe region.
How does Bloom make money?
Three revenue lines are on record. Revenue-based financing fees are the primary driver. The others are purchase order financing and payment processing services.
Who are Bloom's main competitors?
Broad incumbents on record are Shopify Capital, Stripe Capital and Square Capital / Block, Inc.. Direct peers are Uncapped, Clearco, Capchase, Wayflyer, Liberis and Outfund. Funding Circle is listed as an emerging player.
Does Bloom have an API?
No public API is recorded for Bloom.
What industry is Bloom in?
Bloom's product category is Revenue-Based Financing / Alternative Lending. Its primary akta.pro industry code is FSAKAGAD, Merchant Cash Advance (MCA) & Revenue-Based Financing, with a secondary code of FSAGALAH, Merchant Cash Advance & Revenue-Based Financing Enablement. Its NAICS code is 52229 and its SIC code is 6153.