FILLD
Filld is an online loan-matching marketplace headquartered in Mountain View, CA, that connects underbanked and bad-credit borrowers with a network of third-party direct lenders via a 24/7 website, earning 3-10% origination fees on loans of $200-$5,000.
- Company typePrivate
- Founded2014
- HeadquartersMountain View, United States
- Headcount11–50
- GTM typeB2C
- OfferingServices
What FILLD does
Filld operates an online loan-matching marketplace that connects underbanked and bad-credit borrowers with a network of third-party direct lenders. The platform is accessible 24/7 via its website (filld.org) and a phone line (833-464-0774), with no physical branches. Borrowers apply through a single online form and are matched to lenders offering loan products spanning payday loans, installment loans, personal loans, bad-credit loans, no-credit-check loans, same-day and 1-hour loans, title loans, paycheck advances, and debit-card-deposit loans, with principal amounts ranging from $200 to $5,000 and APRs between 9.20% and 29.82%.
The company is structured as a pure intermediary — Filld is not itself a lender but earns origination and lead-generation fees (3%-10% of loan principal) for routing applicants to its Direct Lenders Network. Underwriting decisions, capital deployment, and loan servicing are performed by the third-party lenders. The technology stack is a standard SEO-optimized content website with state-specific and loan-amount-specific landing pages covering all 50 US states plus Washington DC, a content marketing blog, and an online application funnel supported by 24/7 phone customer service. The company is headquartered at 2362 Old Middlefield Way C, Mountain View, CA 94043, and self-reports approximately 20 staff, 12,054+ "happy customers," 3M+ lifetime applicants served, a 96% loan approval rate, and $80,054 in daily payments processed. The disclosed management team comprises a Head of Marketing (Chris Terschluse), a Loans Fraud Investigator (Deborah Reese), a Commercial Manager (Richard Harries), and a Vice President of Business Development (Ward Suplee).
The underlying business model is a high-volume, low-margin lead generation and affiliate-style origination play targeting consumers who have been turned away by traditional banks. Revenue is transaction-based, scaling with loan volume rather than per-seat enterprise contracts. The firmographic description and disclosed funding rounds ($3.25M in 2015, $9.65M in 2017, $15M in 2018 from Javelin Venture Partners, Lightspeed Venture Partners, Calibrate Ventures, Shea Ventures, and others) are inconsistent with the current loan-matching product line and appear to relate to a prior mobile-refueling incarnation of the Filld brand; the loan-matching business has no disclosed funding, ownership structure, or institutional backing in the source data.
FILLD firmographics
Firmographics- Name
- FILLD
- Legal name
- Filld
- Website
- https://filld.com
- Company type
- Private
- Founded year
- 2014
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Filld is an online loan-matching marketplace headquartered in Mountain View, CA, that connects underbanked and bad-credit borrowers with a network of third-party direct lenders via a 24/7 website, earning 3-10% origination fees on loans of $200-$5,000.
- Ownership category
- akta.pro rank
FILLD industry classification
Industry- Product category
- Consumer Lending
- NAICS
- Computing Infrastructure Providers, Data Processing, Web Hosting, and Related Services (518)
- SIC
- Services-Computer Programming, Data Processing, Etc. (7370)
- akta.pro primary industry
- Single-Payment Payday Loans (FSAKAMAA)
- akta.pro secondary industry
- Check Cashing with Deferred Presentment (FSAKAMAL)
Keywords
Where FILLD is headquartered
LocationHeadquarters
- HQ city
- Mountain View
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
FILLD business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Marketing or Sales, Technology or R&D, Operations, Others
Revenue model
- Loan Facilitation / Lead Generation: Filld acts as an intermediary platform connecting payday loan applicants with direct lenders. The company earns revenue by facilitating loan applications and matching borrowers with lenders. They charge origination fees (3%-10% of loan amount) and facilitate the connection between borrowers and lenders. Filld.loan is not a direct lender but earns fees for matching services.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | $200-$5,000 short-term loans with varying fees and APR |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels4 records
FILLD product offering
Product offeringCore offering
Filld operates as an online payday loan matching platform that connects borrowers with a network of direct lenders across the United States. The platform facilitates short-term loans ranging from $200 to $5,000, including payday loans, installment loans, personal loans, title loans, and cash advances. Filld acts as an intermediary rather than a direct lender, earning origination fees of 3-10% per matched loan application, and processes loans with same-day or next-day funding to bank accounts or debit cards.
Product overview
Filld is an online payday loan matching platform that connects borrowers with direct lenders across the United States. The platform operates as a loan aggregator/marketplace rather than a direct lender, offering a comprehensive suite of short-term lending products including payday loans, installment loans, personal loans, title loans, and cash advances. The product portfolio centers on no-credit-check and bad-credit loan options for emergency financial situations, with loan amounts ranging from $200 to $5,000. Key offerings include Same Day Loans with deposit to debit cards, 1 Hour Loans for rapid processing, and Direct Lender connections. The platform also provides state-specific lending information across all 50 states and Washington DC.
Differentiator
Problem solved
Functional benefit
Products and services
- Payday Loans Online Short-term, small-dollar loans typically due on the borrower's next payday, offering quick access to cash for emergency financial needs with same-day or next-day funding through direct lender matching. Includes same-day, 1-hour, and emergency loan variants, and loans deposited directly to debit cards.
- Personal Loans General-purpose loans that borrowers can use for various financial needs, with flexible repayment terms ranging from months to years, offered through direct lender matching.
- Installment Loans Loans repaid in regular scheduled payments over a specified period, allowing borrowers to split larger sums into manageable monthly installments through direct lender matching.
- Title Loans Secured loans using a borrower's vehicle title as collateral, providing access to funds based on the vehicle's value, arranged through direct lender matching.
- Cash Advance Online Short-term cash advances providing immediate liquidity, including paycheck advance loans, fast cash loans, and quick online approval options, facilitated through direct lender matching.
Quantifiable outcome
- 96% loan approval rate
- +4 more outcomes
Companies that use FILLD
Customer profileNamed customers3 records
Segments1 record
Ideal customer profiles1 record
FILLD technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
FILLD partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- Direct Lenders NetworkcoreFilld operates as a marketplace platform connecting borrowers with a network of direct lenders. The company matches loan applicants with appropriate lenders based on eligibility criteria and state regulations. Filld.loan is not itself a lender but facilitates connections between applicants and third-party direct lenders who provide the actual loans.
Scale indicators7 records
Recent moves6 records
Expansion highlights4 records
FILLD competitors and assessment
Company assessmentDirect peers
- MoneyMutual: MoneyMutual is one of the largest online payday loan marketplaces in the US, matching subprime borrowers with a network of direct lenders. Directly comparable to Filld in product, audience (bad-credit/underbanked consumers), and aggregator business model.
- CashAdvance.com: CashAdvance.com operates an online lead-generation and matching platform for payday and short-term loans, serving borrowers who need quick cash. Directly comparable to Filld in product category, customer segment, and distribution model.
- BadCreditLoans.com: BadCreditLoans.com is a loan-matching marketplace focused on borrowers with poor or no credit, connecting them to a network of direct lenders. Comparable to Filld in target segment, product mix (personal, installment, short-term), and aggregator model.
- PersonalLoans.com: PersonalLoans.com is an online marketplace connecting borrowers with personal, installment, and short-term loan providers, including options for bad-credit borrowers. Directly comparable to Filld in marketplace model and overlapping product set.
- CashNetUSA: CashNetUSA is a direct online payday and installment lender serving underbanked US consumers with same-day funding. While it lends on its own balance sheet rather than aggregating, it targets the same customer profile and product category as Filld.
- NextChoice: NextChoice provides online installment and short-term loans to subprime borrowers via a direct-lender model with similar state-coverage restrictions. Comparable to Filld in target segment and short-term credit products.
Broad incumbents
- LendingTree: LendingTree operates a broad online lending marketplace across personal loans, mortgages, and credit products, including bad-credit borrowers. A larger incumbent with overlapping marketplace mechanics and target customers, though serving a much wider product set than Filld.
- Check 'n Go: Check 'n Go is an established payday and installment lender with both online and retail presence. Operates in the same product category and customer segment as Filld but as a balance-sheet lender with broader scale.
- Speedy Cash: Speedy Cash is a multi-channel payday, installment, and title loan provider serving underbanked US consumers online and in-store. Comparable to Filld in product mix and customer base, but as a larger direct lender.
- ACE Cash Express: ACE Cash Express is a long-standing payday, installment, and title loan provider with both storefront and online channels. Targets the same underbanked customer base as Filld but with a hybrid direct-lender/distribution model.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
FILLD social profiles
Digital presenceFILLD financial estimates
Financial estimateRevenue estimate
Valuation estimate
FILLD leadership team
Management profileNumber of profiles
Profiles3 records
FILLD funding detail
Funding detailFunding overview
Funding rounds4 records
Investors10 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
FILLD 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 FILLD
What does FILLD do?
Filld operates as an online payday loan matching platform that connects borrowers with a network of direct lenders across the United States. The platform facilitates short-term loans ranging from $200 to $5,000, including payday loans, installment loans, personal loans, title loans, and cash advances. Filld acts as an intermediary rather than a direct lender, earning origination fees of 3-10% per matched loan application, and processes loans with same-day or next-day funding to bank accounts or debit cards.
Is FILLD a public or private company?
FILLD is a private company. It is classified as venture growth investor backed and is currently operating.
When was FILLD founded?
FILLD was founded in 2014. It employs 11 to 50 people.
Where is FILLD based?
FILLD is headquartered in Mountain View, United States, in the North America region.
How does FILLD make money?
One revenue line is on record: loan Facilitation / Lead Generation.
Who are FILLD's main competitors?
Direct peers on record are MoneyMutual, CashAdvance.com, BadCreditLoans.com, PersonalLoans.com, CashNetUSA and NextChoice. Broad incumbents are LendingTree, Check 'n Go, Speedy Cash and ACE Cash Express.
Does FILLD have an API?
No public API is recorded for FILLD.
What industry is FILLD in?
FILLD's product category is Consumer Lending. Its primary akta.pro industry code is FSAKAMAA, Single-Payment Payday Loans, with a secondary code of FSAKAMAL, Check Cashing with Deferred Presentment. Its NAICS code is 518 and its SIC code is 7370.