Softloans
Softloans is a Lithuanian fintech that provides embedded revenue-based financing for European SMB e-commerce and POS merchants, integrating its lending technology directly into partner PSPs, marketplaces, and banks via API, hosted, or referral integrations.
- Company typePrivate
- Founded2019
- HeadquartersVilnius, Lithuania
- Headcount1–10
- GTM typeB2B
- OfferingSoftware
What Softloans does
Softloans is a Vilnius-based fintech founded in 2019 that operates an embedded revenue-based lending platform targeting small and medium-sized e-commerce and POS-based businesses across Europe. The company integrates its financing technology into partner platforms—including payment service providers such as Luminor Bank, Paysera, Maksekeskus, and Montonio—via API, hosted solutions, or referral links, allowing merchants to access working capital directly inside the platforms where they already process payments and sales. Underwriting is powered by automated analysis of bank transaction data spanning more than 2,500 banks across 30+ European countries, with credit decisions made on real revenue and cash-flow performance rather than traditional credit scores.
The platform's core products are (1) an Embedded Lending Solution that white-labels revenue-based financing for partner platforms, and (2) a Bank Statement Analysis service. Financing is structured as a one-time fixed fee starting from 8-10% of the principal with no interest, no collateral, and no fixed repayment schedule; repayments are collected automatically as a percentage of incoming sales through PSP or POS rails. The company additionally offers a fixed-schedule financing alternative for short-term capital needs up to 12 months. Dedicated infrastructure includes SF1 UAB as the regulated lender entity and a partnership with ConnectPay UAB (a Bank of Lithuania-licensed electronic money institution) for payment account services, with Wallester providing Visa debit card issuance.
Softloans monetizes through (a) one-time transaction fees on each financed merchant and (b) commission sharing with partner platforms that embed its offering. Distribution is overwhelmingly B2B2X via channel partners, complemented by a direct self-serve application portal (financing.softloans.io) and multilingual website content. The company closed a €1 million pre-seed round in April 2024 led by Baltic-focused fund FIRSTPICK, employs 1-10 people, won the 2024 Mastercard Lighthouse FINITIV program, and operates from Vilnius with a registered office in Klaipėda, Lithuania.
Softloans firmographics
Firmographics- Name
- Softloans
- Legal name
- Soft loans, UAB
- Website
- https://softloans.io
- Company type
- Private
- Founded year
- 2019
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Softloans is a Lithuanian fintech that provides embedded revenue-based financing for European SMB e-commerce and POS merchants, integrating its lending technology directly into partner PSPs, marketplaces, and banks via API, hosted, or referral integrations.
- Ownership category
- akta.pro rank
Softloans industry classification
Industry- Product category
- Embedded Lending Technology
- NAICS
- Credit Intermediation and Related Activities (522)
- SIC
- Short-Term Business Credit Institutions (6153)
- akta.pro primary industry
- SME Lending Platforms & Embedded SME Credit (FSAKAGAJ)
- akta.pro secondary industries
- Merchant Cash Advance & Payment-linked Lending (CRAFALAK), SME Credit Underwriting, Scoring & Risk Analytics (FSAKAGAL)
Keywords
Where Softloans is headquartered
LocationHeadquarters
- HQ city
- Vilnius
- HQ country
- Lithuania
- HQ region
- Europe
Offices4 records
Markets served
Softloans business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure
Revenue model
- Merchant Financing Fees: Softloans charges merchants a one-time fixed fee (starting from 8% of the financing amount) for revenue-based financing. There is no interest charged, no hidden fees, and no collateral requirements. The fee is set based on the performance data of the specific business and represents the primary revenue stream from end merchants.
- Partner Commission Sharing: Softloans shares a portion of the commission paid by merchants with partner platforms. This creates a steady revenue stream for partners embedding Softloans financing, while Softloans retains the remainder. This commission-sharing model incentivizes partners to promote the financing product to their merchant base.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Revenue-Based Financing - One-time fixed fee starting at 8% |
| Transaction based/ take rate | Pay-as-you-go | Revenue-Based Financing - Typical fee starting at 10% |
| Outcome Based/ Performance | Monthly | Fixed-Schedule Financing Alternative |
Go-to-market motion3 records
Distribution channels4 records
Marketing channels6 records
Softloans product offering
Product offeringCore offering
Softloans provides an embedded lending technology platform that enables partner platforms (payment service providers, marketplaces, POS systems, and e-commerce platforms) to offer revenue-based financing directly to their SME merchants. The company delivers underwriting, eligibility scoring, bank statement analytics across 2500+ banks in 30+ European countries, and automated revenue-share repayment collection via API, hosted, or referral-link integration. Direct financing is also available to e-commerce and POS-based SMEs through a self-serve merchant portal at financing.softloans.io.
Product overview
Softloans is a Lithuanian fintech company offering embedded lending technology for SMEs. The company operates two core products: (1) the Embedded Lending Solution, which enables partner platforms (PSPs, marketplaces, e-commerce platforms, POS providers) to offer revenue-based financing directly within their existing platforms, and (2) Bank Statement Analysis services that provide credit assessments across 2500+ banks in 30+ European countries. The platform uses data analytics to enable quick, collateral-free financing for e-commerce and POS-based businesses, with repayments flexing based on actual business revenue performance.
Differentiator
Problem solved
Functional benefit
Products and services
- Embedded Lending Solution A white-label platform that enables partner platforms (payment service providers, marketplaces, e-commerce platforms, POS systems, SaaS tools) to offer revenue-based financing directly within their existing workflows. Softloans handles scoring, underwriting, payouts, repayment collection, risk management, compliance, and customer support, while partners earn commission on each financed merchant. Integration options include API, hosted, or referral link.
- Bank Statement Analysis Automated analysis of bank transaction data covering 2500+ banks across 30+ European countries (Austria, Belgium, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, United Kingdom). Analyzes revenue patterns, cash flow stability, and business performance for credit assessment.
- Revenue-Based Financing A flexible financing product for e-commerce and POS-based SMEs providing capital without collateral or fixed repayment schedules. Repayments are made as a percentage of incoming revenue (typically 15%), adjusting automatically to business performance. Features include no collateral, no interest (only a fixed one-time fee starting from 8-10%), flexible revenue-tied repayments, and 24-hour funding decisions.
Quantifiable outcome
- 88% of merchants return for additional financing
- +4 more outcomes
Companies that use Softloans
Customer profileNamed customers3 records
Segments3 records
Ideal customer profiles2 records
Softloans technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration10 records
AI capability4 records
Feature5 records
Softloans partnerships and signals
Strategic signalPartnerships
Ten partnerships are on record, tiered core and minor.
- Luminor BankcoreLuminor Bank AS is one of the key partner platforms distributing Softloans revenue-based financing to its SME banking customers in the Baltic States. Merchants can apply for financing through Luminor's platform.
- Maksekeskus AScoreMaksekeskus AS operates MakeCommerce platform across Estonia, Latvia, and Lithuania. They partner with Softloans to offer revenue-based financing to their merchant base in the Baltic e-commerce market.
- Paysera LTcorePaysera LT UAB is a payment service provider that offers Softloans revenue-based financing to its merchants. The partnership enables Paysera merchants to access working capital through their existing payment account.
- MontoniocoreMontonio is an Estonian fintech that partners with Softloans to provide flexible growth financing to e-commerce merchants. Their joint success story with MK Furniture demonstrates the partnership value.
- EcomlandminorDabodo MB operates Ecomland platform and partners with Softloans to offer revenue-based financing options to e-commerce merchants on their platform.
- NordstreetminorNordstreet UAB is a crowdfunding platform that has partnered with Softloans to launch short-term loans for e-stores, combining their platform capabilities with Softloans financing technology.
- Versify AgencyminorVersify Agency MB is a partner platform that offers Softloans revenue-based financing to their merchant clients.
- KirotechminorKirotech UAB is a partner that offers Softloans financing products to their merchant customers in Lithuania.
- ConnectPaycoreConnectPay UAB is an electronic money institution (licensed by Bank of Lithuania) that provides payment services and account infrastructure for Softloans platform. They partner to enable automated eCommerce financing tools and provide Electronic Money Account services for merchants.
- MastercardcoreMastercard partnered with Softloans through the Lighthouse FINITIV program, where Softloans was named the winner. Mastercard provides endorsement and support for Softloans embedded lending technology in the European market.
Scale indicators6 records
Recent moves6 records
Expansion highlights4 records
Softloans competitors and assessment
Company assessmentDirect peers
- Wayflyer: Provides revenue-based financing specifically to e-commerce merchants across Europe and the US. Closest direct competitor to Softloans' core RBF product, though operating at significantly larger scale and capital base.
- Clearco: Revenue-based financing platform for e-commerce and SaaS businesses. Directly comparable on revenue-share mechanics, SMB focus, and integration with e-commerce data sources.
- Liberis: Embedded revenue-based financing for SMEs, distributed through partner platforms including PSPs and acquirers. Directly comparable embedded distribution model targeting the same European SMB segment.
- Uncapped: Revenue-based financing for online businesses and SaaS founders, with an embedded/distribution-led GTM. Closely comparable pricing model (one-time fee) and SMB target.
- Outfund: Revenue-based financing for e-commerce and DTC brands across Europe. Directly comparable on merchant segment, RBF mechanics, and geographic overlap with Softloans.
- YouLend: Embedded finance platform offering revenue-based and capital-advance financing to SMEs through partner platforms. Closely comparable embedded/partner-led GTM targeting PSPs and marketplaces.
Broad incumbents
- Capital on Tap: UK-based SME lending platform providing working-capital credit lines and loans distributed through partners. Broader incumbent in embedded SMB lending with deeper capital base.
- iwoca: Established European SMB lender using cash-flow analytics for credit decisions. Comparable technology approach (bank-statement analytics) and SMB target, but operates a direct-lending model with broader product set.
- Tide: UK-based digital business banking and embedded financial services platform for SMEs. Adjacent in SMB fintech with potential overlap as an embedded credit distribution channel partner.
Emerging players
- Hokodo: Embedded B2B trade credit and financing infrastructure for European marketplaces and platforms. Comparable as an embedded finance API/distribution play, though focused on B2B trade credit rather than merchant working capital.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks7 records
Key highlights7 records
Customer concentration
Softloans social profiles
Digital presenceSoftloans financial estimates
Financial estimateRevenue estimate
Valuation estimate
Softloans leadership team
Management profileNumber of profiles
Profiles3 records
Softloans funding detail
Funding detailFunding overview
Funding rounds2 records
Investors1 record
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Softloans 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 Softloans
What does Softloans do?
Softloans provides an embedded lending technology platform that enables partner platforms (payment service providers, marketplaces, POS systems, and e-commerce platforms) to offer revenue-based financing directly to their SME merchants. The company delivers underwriting, eligibility scoring, bank statement analytics across 2500+ banks in 30+ European countries, and automated revenue-share repayment collection via API, hosted, or referral-link integration. Direct financing is also available to e-commerce and POS-based SMEs through a self-serve merchant portal at financing.softloans.io.
Is Softloans a public or private company?
Softloans is a private company. It is classified as venture growth investor backed and is currently operating.
When was Softloans founded?
Softloans was founded in 2019. It employs 1 to 10 people.
Where is Softloans based?
Softloans is headquartered in Vilnius, Lithuania, in the Europe region.
How does Softloans make money?
Two revenue lines are on record. Merchant Financing Fees are the primary driver. The others are partner Commission Sharing.
Who are Softloans's main competitors?
Direct peers on record are Wayflyer, Clearco, Liberis, Uncapped, Outfund and YouLend. Broad incumbents are Capital on Tap, iwoca and Tide. Hokodo is listed as an emerging player.
Does Softloans have an API?
No public API is recorded for Softloans.
What industry is Softloans in?
Softloans's product category is Embedded Lending Technology. Its primary akta.pro industry code is FSAKAGAJ, SME Lending Platforms & Embedded SME Credit, with a secondary code of CRAFALAK, Merchant Cash Advance & Payment-linked Lending. Its NAICS code is 522 and its SIC code is 6153.