Scroll Finance

Name

Scroll Finance

Website

https://scrollfinance.com

Company type

Private

Founded year

2021

Operating status

Operating

Headcount range

11–50 employees

Short description

Scroll Finance is a London-based secured lending platform founded in 2021 that provides property-backed financing to UK homeowners and landlords, using institutional capital (notably a £250m Jefferies partnership) to deliver faster, more certain loan decisions than traditional mortgages.

Ownership category

akta.pro rank

Product category

Secured Consumer Lending

NAICS

Real Estate Credit (522292), Nondepository Credit Intermediation (5222)

SIC

Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

Real Estate / Property-Backed Marketplace Lending (Non-mortgage) (FSAKAHAG)

akta.pro secondary industries

Renovation Mortgage Origination (FHA 203(k), HomeStyle, CHOICERenovation) (FSALAAAL), Construction & Development (C&D) Lending — Commercial/Multifamily (FSALADAH)

Keywords

• Secured lending platform
• Homeowner financing
• Landlord lending
• Property-backed loans
• Residential secured lending

Headquarters

HQ city

London

HQ country

United Kingdom

HQ region

Europe

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Secured Lending Interest Income: Scroll Finance provides smart, flexible financing for homeowners and landlords. As a secured lending platform, revenue is generated through interest on loans extended to property owners, leveraging property as collateral to provide certainty, speed, and trust in the lending process.

Core offering

Scroll Finance provides smart, flexible secured lending for homeowners and landlords, using residential property as collateral. The company originates property-backed loans for purposes including home financing, property improvement, rental-property acquisition, and landlord portfolio expansion, supported by a £250m funding partnership with Jefferies.

Differentiator

Problem solved

Functional benefit

Products and services

• Secured property-backed lending Property-collateralized loan origination product extending flexible financing to homeowners (home financing, property improvement loans) and landlords (rental acquisition, renovation, portfolio expansion), supported by institutional funding via Jefferies.

Segments2 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators1 record

Direct peers

• LendInvest: LendInvest is a UK-based online property finance platform that originates and funds short-term, development, and buy-to-let mortgages for property professionals and landlords. It is the closest direct peer to Scroll Finance, sharing the property-secured lending model, UK focus, and digital-first distribution serving landlords and property investors.
• Habito: Habito is a UK digital mortgage broker and lender that uses technology to provide faster, more transparent home financing. It directly competes with Scroll's homeowner-focused lending proposition and shares the modern, customer-experience-led positioning against traditional mortgage providers.
• Proportunity: Proportunity is a UK fintech providing home buyer finance through property-secured loans, helping first-time buyers purchase homes in London. Its property-backed lending model and tech-led approach make it a closely comparable direct peer to Scroll Finance's homeowner-focused products.
• Landbay: Landbay is a UK peer-to-peer lending platform specialising in buy-to-let mortgages for professional landlords. It competes directly with Scroll's landlord-focused lending segment and shares the property-secured model serving rental property investors.
• Octopus Choice: Octopus Choice is a UK property-backed peer-to-peer lending platform offering access to secured loans on residential property. It shares Scroll's property-secured lending model and serves retail investors/lenders alongside borrowers seeking flexible property-backed finance.

Broad incumbents

• Atom Bank: Atom Bank is a UK challenger bank offering residential and buy-to-let mortgages through a fully digital platform. As a broader incumbent in UK digital property lending, it competes with Scroll for the same homeowner and landlord segments while offering a wider suite of banking products.
• Zopa: Zopa is a UK digital bank and peer-to-peer pioneer that has expanded into mortgages and consumer credit. While broader than Scroll, it competes in adjacent UK digital lending markets and shares the challenger positioning against incumbent banks serving homeowner and consumer finance needs.

Emerging players

• Better.com: Better.com is a US-based digital mortgage lender using technology to streamline the home financing process. While US-focused and not a direct UK competitor, it shares Scroll's core proposition of technology-enabled, faster, and more certain mortgage origination for homeowners.
• Perenna: Perenna is a UK challenger mortgage provider focused on long-term fixed-rate mortgages using peer-to-peer and securitisation funding structures. It represents an emerging UK digital mortgage competitor with a different funding model but overlapping homeowner customer segment.

Others

• Funding Circle: Funding Circle is a UK-listed SME lending platform that connects businesses with investors through a digital marketplace. While focused on business lending rather than property lending, it shares Scroll's online lending platform model, use of institutional capital partners, and UK fintech challenger positioning.

Market position

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds3 records

Investors2 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 Scroll Finance