CrossLend
CrossLend is a Berlin-based B2B FinTech operating a digital debt marketplace for pan-European loan portfolio transactions, combining Portfolio Analytics, Securitisation-as-a-Service, and a regulated two-sided marketplace connecting loan originators with institutional investors under BaFin and CSSF oversight.
- Company typePrivate
- Founded2014
- HeadquartersBerlin, Germany
- Headcount51–100
- GTM typeB2B
- OfferingSoftware
What CrossLend does
CrossLend GmbH is a Berlin-based, venture-backed B2B FinTech founded in 2014 by Oliver Schimek, operating a digital debt technology platform for pan-European loan portfolio transactions. The platform comprises three core modules: Portfolio Analytics (granular loan-portfolio management with third-party data validation, loan-level insights and automated reporting), Securitisation as a Service (digital issuance and settlement of capital markets instruments, customisable SPV and compartment setup under a tech-integrated legal framework, and audit-proof note-level reporting), and the CrossLend Marketplace at marketplace.crosslend.com, a two-sided venue where loan originators connect with institutional investors. The technology is differentiated by single-loan securitisation — pioneered in Europe — that converts individual loans into bonds under a uniform note structure using the Luxembourg Securitisation Law 2004 (amended 2022), supported by a proprietary standardised loan-level data layer that enables cross-border investment in the absence of a fully harmonised Capital Markets Union.
The company operates under dual regulatory oversight: BaFin authorisation under §32 of the German Banking Act (KWG), passportable across the EEA, plus a wholly owned, CSSF-regulated Luxembourg securitisation vehicle (CrossLend Securities SA, incorporated 2015) that issues the notes. CrossLend has offices in Berlin (HQ), Frankfurt, Vienna, Luxembourg, Lisbon and London, with 70+ employees from more than 30 countries. Revenue is generated through securitisation-as-a-service fees, investment brokerage commissions (as a tied agent of DonauCapital Wertpapier GmbH under WpIG), marketplace transaction fees on notes issued and traded, and portfolio analytics software (subscription/recurring). Pricing is quote-based and gated to qualified investors under the EU Prospectus Regulation and institutional counterparties. Named customers and partners include Santander, MEAG, Bikeleasing, creditshelf, BCEE, Banco BNI Europa, Tessin, Mozzeno and Lenderwize; notable investors include Santander InnoVentures/Mouro Capital, Lakestar, Earlybird, ABN AMRO Ventures, CME Ventures, solarisBank and the Luxembourg Future Fund.
CrossLend firmographics
Firmographics- Name
- CrossLend
- Legal name
- CrossLend GmbH
- Website
- https://crosslend.com
- Company type
- Private
- Founded year
- 2014
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- CrossLend is a Berlin-based B2B FinTech operating a digital debt marketplace for pan-European loan portfolio transactions, combining Portfolio Analytics, Securitisation-as-a-Service, and a regulated two-sided marketplace connecting loan originators with institutional investors under BaFin and CSSF oversight.
- Ownership category
- akta.pro rank
CrossLend industry classification
Industry- Product category
- Digital Debt Securitisation Platform
- NAICS
- Nondepository Credit Intermediation (5222), Mortgage and Nonmortgage Loan Brokers (522310), Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)
- SIC
- Asset-Backed Securities (6189), Loan Brokers (6163), Finance Services (6199)
- akta.pro primary industry
- Credit Marketplaces, Aggregators & Loan Routing (FSADAFAJ)
Keywords
Where CrossLend is headquartered
LocationHeadquarters
- HQ city
- Berlin
- HQ country
- Germany
- HQ region
- Europe
Offices6 records
Markets served
CrossLend business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure, Others
Revenue model
- Securitisation as a Service fees: CrossLend digitises and runs the issuance, structuring, SPV/compartment setup, and ongoing administration of securitisations for originators. Revenue is generated per transaction / ongoing servicing (professional services + managed services).
- Investment brokerage commissions: As a tied agent of DonauCapital Wertpapier GmbH under § 2(2) No. 3 WpIG, CrossLend brokers investments in notes to qualified investors. Compensation is commission-based on each successfully placed note.
- CrossLend Marketplace transaction fees: Two-sided marketplace (marketplace.crosslend.com) connecting loan originators with institutional investors; revenue is generated via fees on notes issued and traded between counterparties.
- Portfolio Analytics software: Portfolio management, validation and reporting tool for loan portfolios. Positioned as a software/technology product that originators and investors can use to analyse, validate and share granular loan data.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | — | Quote-based engagement (Request a demo) for Portfolio Analytics and Securitisation-as-a-Service. |
| Transaction based/ take rate | — | Marketplace-based: institutions invest in notes issued via CrossLend Securities SA on a per-deal basis. |
Go-to-market motion4 records
Distribution channels7 records
Marketing channels8 records
CrossLend product offering
Product offeringCore offering
CrossLend provides an end-to-end digital debt technology platform consisting of three product pillars: Portfolio Analytics for managing, validating and reporting on granular loan portfolios; Securitisation as a Service for the digital issuance, structuring and settlement of capital markets instruments via customisable SPV/compartment setups; and the CrossLend Marketplace, a separate venue connecting loan originators with qualified institutional investors. The platform is built on a proprietary single-loan securitisation methodology and a standardised loan-level data layer, and operates through a fully CSSF-regulated Luxembourg issuer vehicle (CrossLend Securities SA).
Product overview
CrossLend operates a unified end-to-end digital debt platform for loan portfolio transactions, supervised by BaFin (Germany) and CSSF (Luxembourg). The platform combines data and analysis tools, a marketplace connecting loan originators with institutional investors, and digital securitisation services. Its two flagship product modules are Portfolio Analytics (loan portfolio management, third-party data validation, loan-level insights and automated reporting) and Securitisation as a Service (digital issuance and settlement of capital markets instruments, customisable SPV and compartment setup, tech-integrated legal framework and audit-proof note-level reporting). The CrossLend Marketplace at marketplace.crosslend.com is the separate matching venue that operationalises transactions between originators and institutional investors, sitting alongside these product modules within the overall platform.
Differentiator
Problem solved
Functional benefit
Brands
- CrossLend Marketplace: Separate marketplace service located at marketplace.crosslend.com, governed by separate terms of use, connecting originators and institutional investors.
- Portfolio Analytics
- Securitisation as a Service
Products and services
- Portfolio Analytics
- Securitisation as a Service
- CrossLend Marketplace
- End-to-end digital debt platform for loan portfolio transactions
Quantifiable outcome
- €35 million Series B funding round led by Santander InnoVentures in October 2019, on top of a €14 million round in 2018.
- +3 more outcomes
Companies that use CrossLend
Customer profileNamed customers9 records
Segments4 records
Ideal customer profiles3 records
CrossLend technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration3 records
Feature7 records
CrossLend partnerships and signals
Strategic signalPartnerships
Eleven partnerships are on record, tiered core, minor and flagship.
- United Nations Principles for Responsible Investment (PRI)coreCrossLend signed up as a signatory to the UN-supported Principles for Responsible Investment (PRI) in September 2022, committing to incorporate ESG factors into investment practice. Relationship is Them to Us (UN-supported signatory network).
- Bundesverband der Geldwäschebeauftragten (BVGB)minorCrossLend joined the Bundesverband der Geldwäschebeauftragten (BVGB) e.V. in March 2022 to participate in discussions on AML/financial-crime regulation impacting digital transactions. Relationship is Mutual (industry association membership).
- Bundesverband Alternative Investments (BAI)minorCrossLend became a member of the Bundesverband Alternative Investments (BAI) in February 2022. Relationship is Mutual (industry association membership).
- Bikeleasing & MEAGcoreCrossLend structured an investment-grade rated ESG note (announced 12 October 2021) for Bikeleasing (originator of bicycle lease contracts) with MEAG as the institutional investor. CrossLend acted as the structuring platform for the digital asset. Relationship is Mutual.
- Verband deutscher Kreditplattformen (VdK)minorCrossLend joined the Verband deutscher Kreditplattformen (VdK) e.V. as an Ordinary Member in June 2021; COO Marco Hinz was subsequently elected to the VdK board. Relationship is Mutual (industry association membership).
- Santander (Banco Santander)flagshipIn May 2021 Santander Group and CrossLend launched a joint loan marketplace — Santander uses CrossLend's digital debt marketplace infrastructure to trade loans, taking a Capital Markets Union-style approach. Relationship is Mutual.
- creditshelfcoreStrategic partnership announced in December 2018 to pioneer digital securitisation of SME loans in Germany. CrossLend acts as an investor on the creditshelf platform, purchasing and then securitising loan receivables. An initial qualified investor committed multi-million-euro monthly investments. Relationship is Mutual (co-development of the joint offering).
- Banque et Caisse d'Epargne de l'Etat, Luxembourg (BCEE)flagshipCollaboration announced 18 June 2018, formalised at BCEE's securitisation event on 31 May 2018 attended by 200+ representatives of Luxembourg's financial community. BCEE acts as issuing agent and paying agent for notes issued by CrossLend, solidifying CrossLend's presence in Luxembourg. Relationship is Mutual.
- Banco BNI EuropacoreCooperation announced 14 February 2018: Banco BNI Europa invests in notes issued by CrossLend Securities SA, using CrossLend's whole-loan securitisation to expand into pan-European loan products in a standardised, scalable way. Relationship is Mutual.
- DonauCapital Wertpapier GmbHcoreDonauCapital Wertpapier GmbH (Passauer Str. 5, 94161 Ruderting) is the contractual partner and liable entity for investment brokerage services CrossLend provides under § 2(2) No. 3 WpIG. CrossLend is registered in the BaFin public register as a contractually bound intermediary of DonauCapital. Relationship is Mutual (regulatory channel partnership).
- ISiCO Datenschutz GmbHminorISiCO Datenschutz GmbH (Am Hamburger Bahnhof 4, 10557 Berlin) is CrossLend's appointed Data Protection Officer under GDPR. Relationship is Them to Us (DPO services).
Scale indicators7 records
Recent moves9 records
Expansion highlights7 records
CrossLend competitors and assessment
Company assessmentDirect peers
- Funding Circle: UK-headquartered SME marketplace lending platform that originates loans and distributes them to institutional and individual investors. Comparable to CrossLend as a European digital lending platform connecting originators with investors, though Funding Circle focuses on the primary loan origination side rather than securitisation infrastructure.
- LendInvest: UK-based digital property lending platform that originates, distributes and securitises loans via its institutional marketplace. Highly comparable to CrossLend: European, digitally-native, combines origination with institutional capital markets distribution and has a track record of securitisation issuance.
- Zopa: UK P2P / digital consumer lending platform that has progressively shifted toward institutional funding and bank-balance-sheet origination. Comparable to CrossLend as a European digital lending platform bridging consumer credit with capital markets distribution.
- Younited Credit: Paris-headquartered consumer credit platform operating across France, Italy, Spain, Germany and Portugal, distributing loans to institutional and retail investors. Comparable to CrossLend in its pan-European footprint and focus on institutional funding of digital consumer lending.
- auxmoney: Germany's largest P2P consumer and SME lending platform. Comparable to CrossLend as a German digital lending platform serving the same customer base of institutional investors and alternative originators, though auxmoney focuses on primary loan distribution rather than securitisation technology.
- Mintos: Latvia-based global marketplace lending platform aggregating loan portfolios from multiple originators across Europe for retail and institutional investors. Comparable to CrossLend as a pan-European marketplace connecting originators to investors, though Mintos is retail-facing and not focused on securitisation.
- Debitos: Frankfurt-headquartered online marketplace for trading performing and non-performing loan portfolios, connecting sellers and buyers of loan portfolios across Europe. Closest direct functional comparable to CrossLend's CrossLend Marketplace, though Debitos focuses on secondary loan trading rather than securitisation-as-a-service.
Emerging players
- creditshelf: Frankfurt-listed German Mittelstand digital lending platform focused on SME loans. Strategic partner/customer of CrossLend (Dec 2018 partnership) and partly an origination source for CrossLend's securitisation platform; useful as both a peer and a channel.
- Upvest: Berlin-based FinTech providing a digital securities API for issuing and managing tokenised financial instruments, including fractional bonds. Comparable to CrossLend as a European digital securities/securitisation infrastructure provider targeting institutional use cases, with a more API-driven product approach.
Broad incumbents
- solarisbank: Berlin-based banking-as-a-platform provider offering regulated banking infrastructure via APIs. Investor in CrossLend (2018) and strategic partner for fully digital loan securitisation; comparable as a German digital finance infrastructure provider overlapping in the digital lending stack.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
CrossLend social profiles
Digital presenceCrossLend compliance and trust
Trust signalCompliance4 records
CrossLend financial estimates
Financial estimateRevenue estimate
Valuation estimate
CrossLend leadership team
Management profileNumber of profiles
Profiles14 records
CrossLend subsidiaries and ownership
Company hierarchySubsidiaries1 record
CrossLend funding detail
Funding detailFunding overview
Funding rounds7 records
Investors9 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
CrossLend 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 CrossLend
What does CrossLend do?
CrossLend provides an end-to-end digital debt technology platform consisting of three product pillars: Portfolio Analytics for managing, validating and reporting on granular loan portfolios; Securitisation as a Service for the digital issuance, structuring and settlement of capital markets instruments via customisable SPV/compartment setups; and the CrossLend Marketplace, a separate venue connecting loan originators with qualified institutional investors. The platform is built on a proprietary single-loan securitisation methodology and a standardised loan-level data layer, and operates through a fully CSSF-regulated Luxembourg issuer vehicle (CrossLend Securities SA).
Is CrossLend a public or private company?
CrossLend is a private company. It is classified as venture growth investor backed and is currently operating.
When was CrossLend founded?
CrossLend was founded in 2014. It employs 51 to 100 people.
Where is CrossLend based?
CrossLend is headquartered in Berlin, Germany, in the Europe region.
How does CrossLend make money?
Four revenue lines are on record. Securitisation as a Service fees are the primary driver. The others are investment brokerage commissions, crossLend Marketplace transaction fees and portfolio Analytics software.
Who are CrossLend's main competitors?
Direct peers on record are Funding Circle, LendInvest, Zopa, Younited Credit, auxmoney, Mintos and Debitos. Emerging players are creditshelf and Upvest. solarisbank is listed as a broad incumbent.
Does CrossLend have an API?
No public API is recorded for CrossLend.
What industry is CrossLend in?
CrossLend's product category is Digital Debt Securitisation Platform. Its primary akta.pro industry code is FSADAFAJ, Credit Marketplaces, Aggregators & Loan Routing. Its NAICS code is 5222 and its SIC code is 6189.