Moank
Moank is a Swedish FSA-regulated credit market company offering API-first receivables financing (Hyperfinance), collateral-backed business loans (SEK 1-100M), and partner-distributed securities-backed portfolio lending for factoring firms, mid-market businesses, and wealth managers, alongside state-guaranteed savings accounts for Swedish individuals.
- Company typePrivate
- Founded2015
- HeadquartersStockholm, Sweden
- Headcount1–10
- GTM typeB2B and B2C
- OfferingServices
Moank firmographics
Firmographics- Name
- Moank
- Legal name
- Moank AB
- Website
- https://moank.se
- Company type
- Private
- Founded year
- 2015
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Moank is a Swedish FSA-regulated credit market company offering API-first receivables financing (Hyperfinance), collateral-backed business loans (SEK 1-100M), and partner-distributed securities-backed portfolio lending for factoring firms, mid-market businesses, and wealth managers, alongside state-guaranteed savings accounts for Swedish individuals.
- Ownership category
- akta.pro rank
Moank industry classification
Industry- Product category
- Specialty Finance & Lending
- NAICS
- Savings Institutions and Other Depository Credit Intermediation (52218)
- SIC
- Short-Term Business Credit Institutions (6153)
- akta.pro primary industry
- SBA/Government-Backed & Development Finance Loans (FSAKAGAI)
Keywords
Where Moank is headquartered
LocationHeadquarters
- HQ city
- Stockholm
- HQ country
- Sweden
- HQ region
- Europe
Offices1 record
Markets served
Moank business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Technology or R&D, Operations, Infrastructure, Marketing or Sales, Others
Revenue model
- Interest Income — Business Loans: Interest income earned on tailored business loans (SEK 1–100 million) structured around collateral provided by the borrower. Rate and terms set individually based on risk assessment.
- Receivables Financing — Hyperfinance: Revenue generated from financing invoice portfolios for factoring companies and platforms. Interest charged on funded receivables; credit line scales with customer volume. No idle-limit fees — pay only for what is used.
- Portfolio Lending Interest: Interest charged on securities-backed loans extended to wealth management clients via partner introductions. Portfolio remains under partner management.
- Savings Account Interest Spread: Interest paid to savers on Flex, Flex Plus, and Fast savings accounts. Moank acts as a credit market company, deploying depositor funds in lending activities. Interest is variable for Flex accounts, fixed for Fast accounts.
- Loan Protection Insurance Premiums: Loan protection insurance (6.5% of monthly loan cost) for personal loan customers, underwritten via AXA. Covers sick leave, involuntary unemployment, critical illness, and death. This revenue stream is in run-off as personal loans transferred to Morrow Bank as of December 2025.
- Loan Fees — Personal Loans: Setup fee of SEK 395 for personal loans; monthly paper invoices at SEK 39 each. In run-off as Moank no longer offers new personal loans.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | Moank Flex — variable rate savings, no minimum deposit, no fees |
| Subscription | Annual | Moank Flex Plus — variable rate savings, SEK 10,000 minimum |
| Subscription | Multi-year contract | Moank Fast 90 days — fixed rate savings, SEK 10,000 minimum |
| Subscription | Monthly | Personal Loan — individual rate based on credit profile (in run-off) |
| Subscription | Monthly | Loan Protection Insurance — 6.5% of monthly loan cost |
Go-to-market motion4 records
Distribution channels5 records
Marketing channels7 records
Moank product offering
Product offeringCore offering
Moank is a Swedish credit market company that provides collateral-backed business loans (SEK 1–100 million), API-first receivables financing for factoring companies (Hyperfinance), and securities-backed portfolio lending delivered through wealth manager partners. For individuals, Moank offers state-guaranteed savings accounts (Flex, Flex Plus, Fast 90 days) and securities-backed portfolio loans; its personal loan book was transferred to Morrow Bank in December 2025.
Product overview
Moank is a Swedish credit market company offering financing solutions for businesses and savings accounts for individuals. The business product portfolio includes Hyperfinance (API-first receivables financing for factoring companies and platforms), Business Loans (collateral-backed loans from SEK 1-100 million), and Portfolio Lending (partner solution for wealth managers). Personal products include Savings Accounts with variable and fixed rate options (Flex, Flex Plus, Fast), Portfolio Loans against securities, and previously Personal Loans (now paused and transferred to Morrow Bank in December 2025). All products are delivered through a regulated credit market company structure under Swedish FSA supervision.
Differentiator
Problem solved
Functional benefit
Products and services
- Hyperfinance
Quantifiable outcome
- ≤2 hour credit decision for Hyperfinance
- +5 more outcomes
Companies that use Moank
Customer profileNamed customers1 record
Segments5 records
Ideal customer profiles4 records
Moank technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration6 records
AI capability1 record
Feature6 records
Moank partnerships and signals
Strategic signalPartnerships
Three partnerships are on record, tiered core and minor.
- Pam CapitalcorePam Capital is a Swedish wealth manager focused on tailored investment solutions for individuals and companies. It is Moank's connected partner through which individual clients access Portfolio Lending (securities-backed loans). Clients keep their portfolio with Pam Capital while Moank provides the credit. Pam Capital is listed as the primary partner on Moank's portfolio lending partner page.
- AXA (loan protection insurance)minorAXA provides loan protection insurance to Moank's personal loan customers, covering sick leave, involuntary unemployment, critical illness, and death. With the transfer to Morrow Bank (December 2025), AXA coverage is cancelled and replaced by Morrow Bank's insurance.
- Riksgälden (Swedish National Debt Office)coreRiksgälden administers Sweden's state deposit guarantee scheme. Moank's savings deposits are covered by the state guarantee up to SEK 1,150,000 per customer. Riksgälden would reimburse depositors within 7 working days if Moank became insolvent.
Scale indicators3 records
Recent moves7 records
Expansion highlights5 records
Moank competitors and assessment
Company assessmentDirect peers
- Northmill Bank: Swedish neobank offering savings accounts, personal loans, and business lending — closely overlapping Moank's credit-and-savings product stack and target customers.
- Morrow Bank: Nordic digital bank (Norway/Sweden) offering consumer credit and savings; Morrow Bank took over Moank's personal loan portfolio in December 2025, making it a natural direct comparator for that segment.
- TF Bank: Nordic digital bank with consumer lending, SME lending, and deposit products — a directly comparable credit institution with a similar regulated product mix.
- Svea Bank: Swedish finance company offering factoring/receivables financing and business lending — directly comparable to Moank's Hyperfinance and Business Loan offerings in product and customer type.
- Collector Bank: Nordic challenger bank providing factoring, business and consumer credit, and savings. Comparable in factoring and SME lending focus, targeting similar Nordic SMB clients.
- Instabank: Norwegian digital bank offering unsecured consumer loans and savings. Comparable to Moank on the savings and personal-credit axis of the product stack.
- Capitalbox: Invoice/receivables financing platform providing working capital to businesses — directly comparable to Moank's Hyperfinance receivables financing product and target customers.
Broad incumbents
- Nordnet: Large Nordic investment platform offering lombard/portfolio lending and savings. Broader incumbent that overlaps with Moank's portfolio lending and retail savings in Sweden.
- Avanza: Sweden's largest retail investment platform offering securities-backed lending and savings — a broad incumbent with overlapping portfolio lending to the same wealth-management segment.
Emerging players
- Kameo: Nordic invoice and marketplace financing platform targeting businesses and lenders. Partially overlapping receivables financing activity with Moank's Hyperfinance, but smaller in scale.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks5 records
Key highlights6 records
Customer concentration
Moank social profiles
Digital presenceMoank compliance and trust
Trust signalCompliance5 records
Moank financial estimates
Financial estimateRevenue estimate
Valuation estimate
Moank leadership team
Management profileNumber of profiles
Profiles2 records
Moank funding detail
Funding detailFunding overview
Funding rounds1 record
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Moank 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 Moank
What does Moank do?
Moank is a Swedish credit market company that provides collateral-backed business loans (SEK 1–100 million), API-first receivables financing for factoring companies (Hyperfinance), and securities-backed portfolio lending delivered through wealth manager partners. For individuals, Moank offers state-guaranteed savings accounts (Flex, Flex Plus, Fast 90 days) and securities-backed portfolio loans; its personal loan book was transferred to Morrow Bank in December 2025.
Is Moank a public or private company?
Moank is a private company. It is classified as venture growth investor backed and is currently operating.
When was Moank founded?
Moank was founded in 2015. It employs 1 to 10 people.
Where is Moank based?
Moank is headquartered in Stockholm, Sweden, in the Europe region.
How does Moank make money?
Six revenue lines are on record. Interest Income — Business Loans are the primary driver. The others are receivables Financing — Hyperfinance, portfolio Lending Interest, savings Account Interest Spread, loan Protection Insurance Premiums and loan Fees — Personal Loans.
Who are Moank's main competitors?
Direct peers on record are Northmill Bank, Morrow Bank, TF Bank, Svea Bank, Collector Bank, Instabank and Capitalbox. Broad incumbents are Nordnet and Avanza. Kameo is listed as an emerging player.
Does Moank have an API?
Yes. Hyperfinance offers an API-first platform for scalable receivables financing. API connection to customer systems or direct file upload in the Hyperfinance portal. Supports multi-currency financing in SEK, EUR, GBP, USD, DKK, and NOK. Enables upload of receivables/invoices, individual debtor assessment, automatic payout and exposure release upon payment. Implementation can be phased: start with file uploads in portal, move to full API integration when ready.
What industry is Moank in?
Moank's product category is Specialty Finance & Lending. Its primary akta.pro industry code is FSAKAGAI, SBA/Government-Backed & Development Finance Loans. Its NAICS code is 52218 and its SIC code is 6153.