Bloom

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.

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

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

• Revenue-based financing
• Ecommerce lending
• Saas funding
• Embedded lending
• Purchase order financing

Headquarters

HQ city

London

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Technology or R&D, Personnel, Marketing or Sales, Operations

Revenue model

1. 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.
2. 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.
3. 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

Go-to-market motion2 records

Distribution channels3 records

Marketing channels4 records

Core 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

Named customers3 records

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

AI capability1 record

Feature3 records

Partnerships

One partnership is on record.

• PlaidcoreTechnology or IntegrationPlaid 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

Broad 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

• Facebookfacebook.com/officialletsbloom
• LinkedInlinkedin.com/company/bloomfin

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Funding overview

Funding rounds2 records

Investors4 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Bloom