Flender Peer-to-Peer Finance
Flender is an Irish peer-to-peer lending platform that connects lenders with Irish SMEs seeking business financing of €10,000 to €250,000. Founded in 2015 and headquartered in Dublin, the digital platform offers same-day credit decisions and terms up to 48 months.
- Company typePrivate
- Founded2015
- HeadquartersDublin, Ireland
- Headcount11–50
- GTM typeB2B
- OfferingServices
What Flender Peer-to-Peer Finance does
Flender is an Irish digital peer-to-peer lending platform that matches individual or institutional lenders with small and medium-sized enterprises seeking business financing. Founded in 2015 and headquartered at Riverside One, Sir John Rogerson's Quay, Dublin 2, the company operates exclusively in the Irish market under Flender Ireland Limited (company number 594119), a subsidiary of NKK Finance Ltd, which holds the registered Flender trademark. The platform originates business loans ranging from €10,000 to €250,000 with terms up to 48 months, positioning itself as a speed-focused alternative to traditional Irish banks, with same-day credit decisions cited as its core differentiator. The stated use cases are launching new products, business expansion, project financing, working capital, and marketing.
Flender Peer-to-Peer Finance firmographics
Firmographics- Name
- Flender Peer-to-Peer Finance
- Legal name
- Flender Ireland Limited
- Website
- https://flender.ie
- Company type
- Private
- Founded year
- 2015
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Flender is an Irish peer-to-peer lending platform that connects lenders with Irish SMEs seeking business financing of €10,000 to €250,000. Founded in 2015 and headquartered in Dublin, the digital platform offers same-day credit decisions and terms up to 48 months.
- Ownership category
- akta.pro rank
Flender Peer-to-Peer Finance industry classification
Industry- Product category
- Peer-to-Peer Lending
- NAICS
- Mortgage and Nonmortgage Loan Brokers (52231)
- SIC
- Loan Brokers (6163)
- akta.pro primary industry
- P2P Small Business / SME Marketplace Lending (FSAKAHAC)
- akta.pro secondary industry
- SME Lending Platforms & Embedded SME Credit (FSAKAGAJ)
Keywords
Where Flender Peer-to-Peer Finance is headquartered
LocationHeadquarters
- HQ city
- Dublin
- HQ country
- Ireland
- HQ region
- Europe
Offices1 record
Markets served
Flender Peer-to-Peer Finance business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure, Others
Revenue model
- Peer-to-Peer Lending Interest: Flender operates as a P2P lending platform matching lenders with borrowers. The platform generates revenue from the spread between interest rates charged to borrowers and rates paid to lenders, along with transaction fees on completed loans.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Pay-as-you-go | Business loans from €10,000 to €250,000 |
Go-to-market motion1 record
Distribution channels1 record
Marketing channels1 record
Flender Peer-to-Peer Finance product offering
Product offeringCore offering
Flender is a peer-to-peer (P2P) digital lending platform that matches individual lenders with approved Irish SME borrowers, creating legal contracts between the two parties in a fully online environment. The platform offers business loans ranging from €10,000 to €250,000 with terms up to 48 months, delivering same-day credit decisions as a faster alternative to traditional bank lending. Lenders can deploy capital manually or automatically through the AutoFlend feature for diversified portfolio exposure.
Product overview
Flender is a peer-to-peer (P2P) digital lending platform connecting lenders with approved business borrowers. The core offering is the Business Loans product, providing financing between €10,000 and €250,000 for SMEs with terms up to 48 months. The platform serves two sides: borrowers receive fast credit decisions and competitive rates through a digital process, while investors (lenders) earn returns by funding approved loans. AutoFlend is an automated investment tool for lenders that enables auto-investment and portfolio diversification. The platform operates entirely online, matching lenders with borrowers and creating legal contracts between parties.
Differentiator
Problem solved
Functional benefit
Products and services
- Business Loans P2P-funded business loans from €10,000 to €250,000 with terms up to 48 months, targeted at Irish SMEs that need fast access to finance for product launches, business expansion, project financing, working capital, or marketing. Delivered through Flender's digital platform with same-day credit decisions and no paperwork.
- AutoFlend Automated investment feature that allows individual lenders to automatically deploy their capital across a diversified portfolio of approved loans on the Flender platform, enabling hands-off portfolio management and diversification.
Companies that use Flender Peer-to-Peer Finance
Customer profileNamed customers3 records
Segments1 record
Ideal customer profiles2 records
Flender Peer-to-Peer Finance technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature2 records
Flender Peer-to-Peer Finance partnerships and signals
Strategic signalScale indicators1 record
Recent moves5 records
Expansion highlights5 records
Flender Peer-to-Peer Finance competitors and assessment
Company assessmentDirect peers
- Folk2Folk: UK P2P lender focused on SME business finance using a marketplace structure analogous to Flender's.
- Linked Finance: Irish-headquartered P2P lending platform focused on SME business loans, directly competing with Flender in the same Irish market with similar ticket sizes and marketplace model.
- Rebuilding Society: UK-based P2P platform specializing in business loans, with comparable loan sizes and direct-to-SME marketplace lending model.
- Assetz Capital: UK P2P platform offering business loans to SMEs, with similar lender-borrower matching model and SME focus.
- LendingCrowd: Scotland-based P2P business lending platform offering loans to UK SMEs, sharing the same marketplace lending model and SME target segment.
Others
- Bank of Ireland: Incumbent Irish bank whose slow SME lending process is the explicit pain point Flender attacks; relevant competitor for SME borrowers and benchmark for loan pricing.
- Stripe Capital: Embedded finance offering providing working-capital loans to SMBs; an emerging alternative credit source for Irish SMEs and a potential platform partner or competitor depending on rollout.
Emerging players
- Funding Xchange: UK fintech operating a business finance marketplace aggregating multiple lenders, partial overlap with Flender's SME matchmaking proposition.
Broad incumbents
- Funding Circle: Largest established P2P SME lender in Europe; targets similar SMB borrowers and individual/institutional lenders but operates across multiple geographies with substantially greater scale.
- Zopa: One of the original UK P2P lenders; now a digital bank. Operates a broader consumer and SME credit marketplace overlapping with Flender's lender/borrower matching model.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat5 records
Key risks5 records
Key highlights5 records
Customer concentration
Flender Peer-to-Peer Finance social profiles
Digital presenceFlender Peer-to-Peer Finance compliance and trust
Trust signalCompliance1 record
Flender Peer-to-Peer Finance financial estimates
Financial estimateRevenue estimate
Valuation estimate
Flender Peer-to-Peer Finance leadership team
Management profileNumber of profiles
Profiles4 records
Flender Peer-to-Peer Finance funding detail
Funding detailFunding overview
Funding rounds8 records
Investors2 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Flender Peer-to-Peer Finance 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 Flender Peer-to-Peer Finance
What does Flender Peer-to-Peer Finance do?
Flender is a peer-to-peer (P2P) digital lending platform that matches individual lenders with approved Irish SME borrowers, creating legal contracts between the two parties in a fully online environment. The platform offers business loans ranging from €10,000 to €250,000 with terms up to 48 months, delivering same-day credit decisions as a faster alternative to traditional bank lending. Lenders can deploy capital manually or automatically through the AutoFlend feature for diversified portfolio exposure.
Is Flender Peer-to-Peer Finance a public or private company?
Flender Peer-to-Peer Finance is a private company. It is classified as venture growth investor backed and is currently operating.
When was Flender Peer-to-Peer Finance founded?
Flender Peer-to-Peer Finance was founded in 2015. It employs 11 to 50 people.
Where is Flender Peer-to-Peer Finance based?
Flender Peer-to-Peer Finance is headquartered in Dublin, Ireland, in the Europe region.
How does Flender Peer-to-Peer Finance make money?
One revenue line is on record: peer-to-Peer Lending Interest.
Who are Flender Peer-to-Peer Finance's main competitors?
Direct peers on record are Folk2Folk, Linked Finance, Rebuilding Society, Assetz Capital and LendingCrowd. Others are Bank of Ireland and Stripe Capital. Funding Xchange is listed as an emerging player. Broad incumbents are Funding Circle and Zopa.
Does Flender Peer-to-Peer Finance have an API?
No public API is recorded for Flender Peer-to-Peer Finance.
What industry is Flender Peer-to-Peer Finance in?
Flender Peer-to-Peer Finance's product category is Peer-to-Peer Lending. Its primary akta.pro industry code is FSAKAHAC, P2P Small Business / SME Marketplace Lending, with a secondary code of FSAKAGAJ, SME Lending Platforms & Embedded SME Credit. Its NAICS code is 52231 and its SIC code is 6163.