Kameo
Kameo is a Stockholm-based crowdlending platform connecting Scandinavian retail investors with SME property developers, offering collateral-secured real estate loans with monthly interest payments across Sweden, Norway, and Denmark.
- Company typePrivate
- Founded2014
- HeadquartersStockholm, Sweden
- Headcount1–10
- GTM typeB2B and B2C
- OfferingServices
What Kameo does
Kameo is a Stockholm-based crowdlending platform founded in 2014 that connects Scandinavian retail investors with small and medium-sized property developers seeking short-term, collateral-backed real estate financing. The platform operates across Sweden (headquarters), Norway (branch), and Denmark, supporting multi-currency investments in SEK, NOK, and DKK. Investors can participate with a minimum of SEK 500 per loan, receive monthly interest distributions, and choose from loans classified into five risk tiers (A-E) with expected annual returns of 5-15%. Kameo holds a payment institution license from Finansinspektionen for crowdfunding and payment services, and Norwegian operations are registered with Finanstilsynet as a loan broker.
The underlying technology is a proprietary crowdfunding platform featuring a credit risk scoring model aligned with EBA Regulatory Technical Standards (Article 2.2(b)), automated payment distribution, native iOS and Android mobile applications, BankID/MitID-based KYC authentication, and open banking payment integration via Neonomics. Client funds are held in segregated custody at DNB Bank, and a Credit Committee reviews each loan before publication. To date, Kameo has facilitated over 500 projects worth approximately SEK 8 billion.
Kameo generates revenue primarily through borrower-side arrangement fees on each loan, supplemented by interest spread between borrower and investor rates, fixed SEK 9 currency conversion fees, and ancillary borrower charges for security handling, tranches, late interest, and early repayment. The platform operates a hybrid go-to-market motion: direct-to-consumer self-serve onboarding for investors via web and mobile, and a sales-led approach for developer origination. Major shareholders include ABG Sundal Collier and Ilija Batljan Invest, following a SEK 66 million directed share issue in 2023.
Kameo firmographics
Firmographics- Name
- Kameo
- Legal name
- Kameo Investment Platform AB
- Website
- https://kameo.se
- Company type
- Private
- Founded year
- 2014
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Kameo is a Stockholm-based crowdlending platform connecting Scandinavian retail investors with SME property developers, offering collateral-secured real estate loans with monthly interest payments across Sweden, Norway, and Denmark.
- Ownership category
- akta.pro rank
Kameo industry classification
Industry- Product category
- Real Estate Crowdlending Platform
- NAICS
- Securities, Commodity Contracts, and Other Financial Investments and Related Activities (523)
- SIC
- Mortgage Bankers & Loan Correspondents (6162), Loan Brokers (6163)
- akta.pro primary industry
- Infrastructure & Project Finance Private Debt (FSANADAH)
- akta.pro secondary industry
- Mortgage Loan Sales & Aggregation (Correspondent/Conduit Aggregators) (FSALAFAD)
Keywords
Where Kameo is headquartered
LocationHeadquarters
- HQ city
- Stockholm
- HQ country
- Sweden
- HQ region
- Europe
Offices1 record
Markets served
Kameo business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Technology or R&D, Marketing or Sales, Operations, Infrastructure
Revenue model
- Loan Arrangement Fees (Borrowers): Kameo charges borrowers a negotiated arrangement fee for each loan facilitated. Additionally, borrowers pay 6,000 SEK for security handling, 7,500 SEK per tranche, and various other fees (2,500 SEK for late interest, 10,000 SEK for security changes or early repayment, 25,000 SEK for payment difficulties). This is the primary revenue stream.
- Currency Conversion Fees: A fixed fee of 9 SEK is charged per currency conversion between Kameo accounts in different currencies, regardless of the amount. No fee is charged for withdrawals to a bank in a different currency.
- Interest Spread: Kameo earns revenue from the spread between the interest rate charged to borrowers and the interest rate paid to investors. Risk classes A-E have minimum rates from 5% to 13%, with expected credit losses ranging from 0.0-0.2% (Class A) to 2.0-3.5% (Class E).
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Unit Pricing | Pay-as-you-go | Minimum investment starting at 500 SEK per loan |
| Unit Pricing | Monthly | Risk Class A: Lowest risk, minimum rate 5%, expected credit loss 0.0-0.2% |
| Other | Pay-as-you-go | Borrower fees: arrangement fee (negotiated), security handling 6,000 SEK, tranche 7,500 SEK, early repayment 10,000 SEK |
Go-to-market motion3 records
Distribution channels4 records
Marketing channels8 records
Kameo product offering
Product offeringCore offering
Kameo operates a Scandinavian crowdlending platform that connects individual and corporate investors with property developers. Investors browse, bid on, and fund real estate loans from as little as 500 SEK, receiving monthly interest payments and a security package including property or corporate pledges. Property developers apply directly via the website, phone, or email, and receive faster and more flexible financing than traditional banks, with Kameo acting as lender representative under a Finansinspektionen license.
Product overview
Kameo operates as a unified investment platform connecting private and institutional investors with real estate developers across Scandinavia. The core product is the Kameo Investment Platform, accessible via web portal and mobile app (iOS/Android), where investors can browse property loan opportunities, place bids, and receive monthly interest payments. Supporting features include a compound interest calculator for return projections and an Academy with educational content. The platform also offers a pre-subscription feature (Förhandsteckning) enabling early investment access before regular subscription periods.
Differentiator
Problem solved
Functional benefit
Products and services
- Kameo Investment Platform (Web) Web-based crowdlending platform connecting individual and corporate investors with property developers for collateralized real estate loans, with monthly interest payments and risk classes A-E.
- Kameo Mobile App (iOS and Android) Native iOS and Android applications enabling investors to monitor portfolio, receive new loan alerts, and invest in real estate loans directly from a mobile device.
Quantifiable outcome
- Expected annual returns of 5-15% depending on risk class
- +6 more outcomes
Companies that use Kameo
Customer profileNamed customers10 records
Segments5 records
Ideal customer profiles3 records
Kameo technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration5 records
Feature5 records
Kameo partnerships and signals
Strategic signalPartnerships
Five partnerships are on record, tiered supporting and core.
- NeonomicssupportingNeonomics, a leading open banking company, was selected by Kameo to streamline user payments through account-to-account payments via Nello Pay. The partnership improves payment efficiency and reduces friction in the investment funding process.
- ABG Private BankingsupportingKameo co-hosted an investment seminar with ABG Private Banking, discussing investment opportunities and challenges in the real estate sector, and sharing market outlook insights.
- Catella Property Fund InvestmentsupportingPortfolio manager Arvid Lindqvist from Catella Property Fund Investment participated in a Kameo-hosted event discussing macroeconomic conditions in the real estate industry, providing market insights to Kameo investors.
- DNB Bank ASAcoreDNB Bank ASA in Norway holds Kameo's client funds accounts. Investor deposits and borrower repayments are held in segregated client accounts at DNB, completely separate from Kameo's own funds. This arrangement protects client funds even in the event of Kameo's insolvency. DNB also charges fees for international transfers to NOK accounts.
- Advokatfirma Kontrakt AScoreAdvokatfirma Kontrakt AS acts as lender representative (långivarombud) and security trustee for Norwegian loan agreements. They handle payment difficulties and debt collection on behalf of investors in Norwegian loans, taking a percentage of recovered capital. For loans published after September 1, 2024, they serve as the security agent.
Scale indicators6 records
Recent moves7 records
Expansion highlights5 records
Kameo competitors and assessment
Company assessmentDirect peers
- Tessin: Tessin is a Swedish real estate crowdfunding platform focused on property development loans. As the closest direct competitor in the Nordic market, Tessin serves similar retail investors and SME developers with comparable loan structures and risk classifications.
- FundedByMe: FundedByMe is a Nordic equity and real estate crowdfunding platform operating in Sweden and other markets. It overlaps with Kameo in real estate loan crowdfunding but also offers equity crowdfunding, making it a partial direct competitor.
- EstateGuru: EstateGuru is a European real estate crowdfunding marketplace headquartered in Estonia, financing property development and bridging loans across multiple European markets. It is directly comparable in business model to Kameo though operating in a different geography.
- CrowdEstate: CrowdEstate is an Estonian real estate crowdfunding platform offering property-backed investment opportunities across Europe. It shares Kameo's focus on real estate loan intermediation and retail investor access to property investments.
Emerging players
- Savelend: Savelend is a Swedish P2P lending platform focused on consumer and SME loans rather than real estate. It shares Kameo's tech-enabled marketplace model and Nordic investor base but operates in adjacent lending verticals.
- Krea: Krea is a Swedish digital lending platform offering invoice purchasing and SME financing. While focused on different loan types, Krea shares Kameo's Nordic SMB lending marketplace model and tech-driven credit approach.
Broad incumbents
- CrowdStreet: CrowdStreet is a leading US-based real estate crowdfunding platform focused on commercial and development property investments. It is comparable in business model but operates at larger scale and in a different regulatory environment.
- Fundrise: Fundrise is a major US real estate crowdfunding and investment platform with diversified property offerings. Comparable in democratizing real estate investing for retail investors but operates at much larger scale across the US market.
- RealtyMogul: RealtyMogul is a US real estate crowdfunding platform offering debt and equity investments in commercial properties. It shares the marketplace model with Kameo but operates in a more mature, larger US market.
- Yieldstreet: Yieldstreet is a US alternative investment platform offering real estate, marine, and other asset-backed opportunities to retail investors. It is comparable in offering retail access to alternative debt/real estate products but with broader asset diversification.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks5 records
Key highlights7 records
Customer concentration
Kameo social profiles
Digital presenceKameo financial estimates
Financial estimateRevenue estimate
Valuation estimate
Kameo leadership team
Management profileNumber of profiles
Profiles7 records
Kameo subsidiaries and ownership
Company hierarchySubsidiaries1 record
Kameo funding detail
Funding detailFunding overview
Funding rounds4 records
Investors2 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Kameo 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 Kameo
What does Kameo do?
Kameo operates a Scandinavian crowdlending platform that connects individual and corporate investors with property developers. Investors browse, bid on, and fund real estate loans from as little as 500 SEK, receiving monthly interest payments and a security package including property or corporate pledges. Property developers apply directly via the website, phone, or email, and receive faster and more flexible financing than traditional banks, with Kameo acting as lender representative under a Finansinspektionen license.
Is Kameo a public or private company?
Kameo is a private company. It is classified as venture growth investor backed and is currently operating.
When was Kameo founded?
Kameo was founded in 2014. It employs 1 to 10 people.
Where is Kameo based?
Kameo is headquartered in Stockholm, Sweden, in the Europe region.
How does Kameo make money?
Three revenue lines are on record. Loan Arrangement Fees (Borrowers) is the primary driver. The others are currency Conversion Fees and interest Spread.
Who are Kameo's main competitors?
Direct peers on record are Tessin, FundedByMe, EstateGuru and CrowdEstate. Emerging players are Savelend and Krea. Broad incumbents are CrowdStreet, Fundrise, RealtyMogul and Yieldstreet.
Does Kameo have an API?
No public API is recorded for Kameo.
What industry is Kameo in?
Kameo's product category is Real Estate Crowdlending Platform. Its primary akta.pro industry code is FSANADAH, Infrastructure & Project Finance Private Debt, with a secondary code of FSALAFAD, Mortgage Loan Sales & Aggregation (Correspondent/Conduit Aggregators). Its NAICS code is 523 and its SIC code is 6162.