Lendify
Lendify (legal entity SBL Finans AB) is a Stockholm-based Swedish alternative finance provider offering factoring, business loans, real estate loans, and consumer credits to Swedish businesses and consumers via manual, advisor-led credit underwriting.
- Company typePrivate
- Founded2014
- HeadquartersStockholm, Sweden
- Headcount1–10
- GTM typeB2B
- OfferingServices
What Lendify does
Lendify, operating under the legal entity SBL Finans AB (publ) (Org. nr 556933-0961), is a Swedish alternative finance provider founded in 2014 and headquartered at Kammakargatan 7 in Stockholm. The company offers four core credit products to the Swedish market: Företagslån (business loans up to 10 million SEK with terms up to 24 months at approximately 10-15% interest, with optional amortization-free periods and no early-repayment penalties), Factoring (invoice purchasing with 1-3% fees per 30-day period, 24-hour payouts, and no cap on the number of invoices sold), Fastighetslån (real estate loans up to 50 million SEK at 10-15% interest with loan-to-value ratios up to 75%), and Konsumentkrediter (consumer credits). All applications are evaluated manually by advisors — there is no disclosed AI/ML underwriting, and the company explicitly positions personalized human assessment over automated decisioning.
The business model combines transaction-based fees (factoring) with interest income (business, property, and consumer loans). Go-to-market is sales-led: direct engagement through the company website, manual advisor consultation, and single-country distribution within Sweden targeting a horizontal segment of businesses of all sizes and industries needing liquidity, cash flow, and expansion financing. The company has 11-50 employees and has raised multiple large funding rounds — most notably $159M (June 2019) and $115M (October 2020) from Insight Investment, a fixed-income specialist, indicating debt-facility funding to support a sizable lending book. A short description in the input data states that Lendify was acquired by Danish challenger bank Lunar in June 2021 with the intent to "build the leading bank of the Nordics," but the detailed product, office, and leadership records all show SBL Finans AB continuing to operate independently from Stockholm — a material inconsistency that the available data does not resolve.
Lendify firmographics
Firmographics- Name
- Lendify
- Legal name
- SBL Finans AB (publ)
- Website
- https://lendify.se
- Company type
- Private
- Founded year
- 2014
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Lendify (legal entity SBL Finans AB) is a Stockholm-based Swedish alternative finance provider offering factoring, business loans, real estate loans, and consumer credits to Swedish businesses and consumers via manual, advisor-led credit underwriting.
- Ownership category
- akta.pro rank
Lendify industry classification
Industry- Product category
- Commercial Lending
- NAICS
- Credit Intermediation and Related Activities (522)
- SIC
- Personal Credit Institutions (6141)
- akta.pro primary industry
- Multi-Loan / Multi-Creditor Consolidation Loans (FSAKAIAD)
- akta.pro secondary industries
- Large-Cap / Sponsor Finance Direct Lending (FSANADAJ), Debt Consolidation Personal Loans (Unsecured Installment) (FSAKAAAD)
Keywords
Where Lendify is headquartered
LocationHeadquarters
- HQ city
- Stockholm
- HQ country
- Sweden
- HQ region
- Europe
Offices1 record
Markets served
Lendify business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure
Revenue model
- Factoring transaction fees: Revenue generated from purchasing invoices at a fee of 1-3% of the invoice amount per 30 days. This is the primary transaction-based revenue stream for the factoring service.
- Business loans interest: Interest income from business loans up to 10 million SEK with terms up to 24 months. Interest rates range approximately 10-15%.
- Property loans interest: Interest income from property loans up to 50 million SEK with loan-to-value ratios up to 75% of property value. Interest rates approximately 10-15%.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Factoring - Invoice purchase fee |
| Other | Monthly | Business loans - Up to 10M SEK |
| Other | Monthly | Property loans - Up to 50M SEK |
Go-to-market motion1 record
Distribution channels1 record
Marketing channels1 record
Lendify product offering
Product offeringCore offering
Lendify provides tailored financing solutions to Swedish businesses and consumers, including business loans up to 10 million SEK, invoice factoring with 24-hour payouts, real estate loans up to 50 million SEK, and consumer credits. Every application is evaluated manually by advisors based on the borrower's purpose, collateral, and repayment capacity, with pricing personalized to each deal.
Product overview
Lendify is a financial services company operated by SBL Finans AB (publ) offering a unified platform of financing solutions for businesses. The product portfolio comprises four core offerings: Företagslån (business loans up to 10 million SEK), Factoring (invoice purchasing with 24-hour payouts), Fastighetslån (real estate loans up to 50 million SEK), and Konsumentkrediter (consumer credits). All products are assessed manually with personalized advisory services, featuring fast payouts within 24 hours and flexible terms without hidden fees.
Differentiator
Problem solved
Functional benefit
Products and services
- Företagslån (Business Loans)
- Factoring
- Fastighetslån (Real Estate Loans)
- Konsumentkrediter (Consumer Credits)
Quantifiable outcome
- Payout within 24 hours for sold invoices and loan disbursements
- +2 more outcomes
Companies that use Lendify
Customer profileSegments1 record
Ideal customer profiles2 records
Lendify technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Lendify partnerships and signals
Strategic signalRecent moves6 records
Expansion highlights6 records
Lendify competitors and assessment
Company assessmentDirect peers
- Qred: Qred is a Nordic direct lender providing business loans and credit lines to SMBs, closely mirroring Lendify's Företagslån offering. Both target Swedish SMBs with speed-focused underwriting and overlapping customer segments.
- Froda: Froda offers business loans and factoring to Swedish SMBs with a digital-first, advisory-led model. Its product mix and target market closely mirror Lendify's business lending and factoring services.
- CapitalBox: CapitalBox provides online business loans and factoring to SMBs across the Nordics. It is one of the closest direct competitors to Lendify in the Swedish and Nordic business lending market.
- Svea: Svea is a Nordic financial services group offering SMB financing, factoring, and payment solutions. It competes with Lendify across factoring, business loans, and real estate-backed lending.
- Kameo: Kameo is a Swedish real estate lending marketplace offering property-backed loans with similar LTV profiles to Lendify's Fastighetslån. It overlaps directly on the real estate loan product and target Swedish property borrowers.
- Resurs Bank: Resurs Bank is a Nordic niche lender offering consumer credit, factoring, and SMB financing. Listed on Nasdaq Stockholm, it competes with Lendify in both consumer credit and SMB business lending segments.
Broad incumbents
- Klarna: Klarna is a major Swedish fintech incumbent offering BNPL, consumer credit, and merchant services. While primarily consumer-facing, it competes with Lendify in the broader Swedish consumer credit space where Lendify's Konsumentkrediter product plays.
- Nordea: Nordea is the largest Nordic bank and a broad incumbent offering business loans, real estate financing, and factoring across the Nordics. It sets the baseline for pricing and scale against which Lendify competes.
- SEB: SEB is a major Swedish bank offering commercial lending, real estate financing, and corporate banking. It competes with Lendify across business loans, factoring, and real estate loans in the Swedish market.
- Swedbank: Swedbank is a major Nordic bank with broad SMB and real estate lending offerings in Sweden. It is one of the principal incumbent competitors across Lendify's full product portfolio.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights6 records
Customer concentration
Lendify social profiles
Digital presenceLendify financial estimates
Financial estimateRevenue estimate
Valuation estimate
Lendify leadership team
Management profileNumber of profiles
Profiles3 records
Lendify funding detail
Funding detailFunding overview
Funding rounds16 records
Investors4 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Lendify 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 Lendify
What does Lendify do?
Lendify provides tailored financing solutions to Swedish businesses and consumers, including business loans up to 10 million SEK, invoice factoring with 24-hour payouts, real estate loans up to 50 million SEK, and consumer credits. Every application is evaluated manually by advisors based on the borrower's purpose, collateral, and repayment capacity, with pricing personalized to each deal.
Is Lendify a public or private company?
Lendify is a private company. It is classified as corporate owned and is currently operating.
When was Lendify founded?
Lendify was founded in 2014. It employs 1 to 10 people.
Where is Lendify based?
Lendify is headquartered in Stockholm, Sweden, in the Europe region.
How does Lendify make money?
Three revenue lines are on record. Factoring transaction fees are the primary driver. The others are business loans interest and property loans interest.
Who are Lendify's main competitors?
Direct peers on record are Qred, Froda, CapitalBox, Svea, Kameo and Resurs Bank. Broad incumbents are Klarna, Nordea, SEB and Swedbank.
Does Lendify have an API?
No public API is recorded for Lendify.
What industry is Lendify in?
Lendify's product category is Commercial Lending. Its primary akta.pro industry code is FSAKAIAD, Multi-Loan / Multi-Creditor Consolidation Loans, with a secondary code of FSANADAJ, Large-Cap / Sponsor Finance Direct Lending. Its NAICS code is 522 and its SIC code is 6141.