Blackmoon Financial Group

What Blackmoon Financial Group does

Blackmoon Financial Group, operated by BreakingFin Management LTD and headquartered in Limassol, Cyprus, operates a cloud-based Marketplace Lending as a Service (MPLaaS) platform that connects balance sheet lenders with institutional investors. Founded in 2014, the company serves two distinct customer segments: balance sheet lenders (loan originators) seeking to securitize loan portfolios and access professional capital without disrupting their own balance sheets, and institutional/sophisticated investors seeking diversified exposure to alternative fixed income assets. The platform spans 9 countries, supports 6 currencies, and has assigned 325,723 cumulative loans across 13 integrated originators, with $15M+ in loans facilitated monthly and $40M cumulative by December 2016.

The underlying technology consists of three primary components: a REST API for originator integration with real-time loan purchase offer generation and portfolio reconciliation; the Market 2.0 cloud-based investor interface for portfolio management, analytics, and legal document handling; and the proprietary Blackmoon Scoring and Valuation System that performs real-time loan assessment, segmentation, and fee calculation. Integration is flexible, supporting Blackmoon API, originator APIs, VPN database replicas, sFTP, or email file exchange. The company earned Deloitte recognition as a top fintech company in 2017.

Blackmoon earns revenue through origination fees charged to loan originators at the time of loan issuance and ongoing servicing fees collected throughout the loan lifetime as a percentage of cashflow receivable. The company has raised $32.5M cumulatively, including a $30M round in April 2018 led by undisclosed participants with prior investors including A&NN Investments, Flint Capital, and Target Global. Distribution combines direct enterprise sales (with dedicated IR support at [email protected]), industry conference presence (notably Lendit USA), API-first onboarding for originators, and thought-leadership content marketing through original research publications. The Target Asset Management USD 100M fund partnership (December 2015) represents a flagship institutional anchor on the investor side.

Name

Blackmoon Financial Group

Legal name

Blackmoon Financial Group, BreakingFin Management LTD

Website

https://blackmoonfg.com

Company type

Private

Founded year

2014

Operating status

Operating

Headcount range

11–50 employees

Short description

Blackmoon Financial Group operates a Marketplace Lending as a Service (MPLaaS) platform connecting balance sheet lenders across 9 countries with institutional investors. The platform provides real-time loan purchase APIs for originators and portfolio management tools, earning origination and servicing fees on $15M+ in monthly loan volume.

Ownership category

akta.pro rank

Product category

Marketplace Lending Platform

NAICS

Mortgage and Nonmortgage Loan Brokers (52231)

SIC

Loan Brokers (6163)

akta.pro primary industry

P2P Lending Infrastructure & White-Label Platforms (FSAKAHAO)

akta.pro secondary industry

P2P Loan Syndication & Participation Platforms (FSAKAHAL)

Keywords

• Marketplace lending platform
• Loan securitization
• Balance sheet lending
• Alternative fixed income
• Institutional lending marketplace

Headquarters

HQ city

Moscow

HQ country

Russia

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Origination Fees: Blackmoon charges origination fees to loan originators at the time of loan issuance. The fee is calculated based on the loan amount and is an absolute value (e.g., $100 fee on a €1000 loan). Originators lock in profit at time of origination through this fee structure.
2. Servicing Fees: Percentage-based servicing fees collected throughout the lifetime of the loan. Fees are calculated on cashflow receivable and paid to the originator upon each payment date. This creates recurring revenue from each loan on the platform as long as borrowers continue making payments.

Go-to-market motion3 records

Distribution channels3 records

Marketing channels4 records

Core offering

Blackmoon Financial Group runs a B2B Marketplace Lending as a Service (MPLaaS) platform that connects balance-sheet lenders (loan originators) with institutional and sophisticated investors. Originators integrate via the Blackmoon REST API to stream loan data and receive automated real-time purchase offers, while investors access portfolios, analytics, and execution through the cloud-based Market 2.0 interface. The company monetizes through origination fees at loan issuance and recurring percentage-based servicing fees over the loan lifetime.

Product overview

Blackmoon Financial Group operates the MPLaaS (Marketplace Lending as a Service) platform as its core product, enabling Balance Sheet Lenders to sell originated loans to marketplace investors. The platform is supported by two main interfaces: the Blackmoon API for loan originators (enabling real-time loan purchase offers, portfolio updates, and collateral management) and Market 2.0 for institutional investors (providing portfolio management, analytics, and monitoring tools). Additionally, the company launched a USD 100M fund in partnership with Target Asset Management to invest in European balance sheet lender loans. The platform spans 6 currencies, 9 countries, and 13 originators with over 325,723 cumulative loans assigned.

Differentiator

Problem solved

Functional benefit

Brands

• MPLaaS (Marketplace Lending as a Service): Core platform offering that enables Balance Sheet Lenders to expose their portfolios to marketplace lending investors. Supports 6 currencies across 9 countries with 13 originators.

Products and services

• MPLaaS (Marketplace Lending as a Service) A platform-as-a-service offering that enables balance-sheet lenders to expose their loan portfolios to marketplace-lending investors. The MPLaaS platform connects loan originators with institutional investors, facilitates real-time loan purchases via the Blackmoon REST API, provides portfolio monitoring and reconciliation, and runs automated data exchange across currencies.
• Blackmoon API REST API for loan originators to integrate with the Blackmoon platform, enabling real-time loan purchase offers (offers.create), loan acceptance/decline workflows, daily loan-portfolio updates, collateral-markup collection, and portfolio reconciliation. Supports HTTPS GET/POST with token-based authentication and CSV/JSON responses.
• Market 2.0 Cloud-based investment interface for institutional investors to view and analyze investments, manage portfolios in real time, track loan-level data, compare balances, execute deposit/withdrawal requests, generate and manage legal documents, and export data for independent analysis via interactive charts.
• Target Asset Management USD 100M Fund USD 100 million investment fund launched in partnership with Target Asset Management to invest in loans originated by European balance-sheet lenders via the MPLaaS platform.

Quantifiable outcome

• 325,723 cumulative loans assigned through the platform
• +3 more outcomes

Named customers2 records

Segments2 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

AI capability2 records

Feature5 records

Scale indicators8 records

Recent moves8 records

Expansion highlights5 records

Direct peers

• Mintos: Mintos operates a global P2P marketplace lending platform that aggregates loans from multiple originators and distributes them to retail and institutional investors — directly comparable to Blackmoon's MPLaaS model and cross-border originator marketplace approach.
• PeerBerry: PeerBerry runs a P2P marketplace lending platform connecting European and CIS loan originators with investors, providing a buyback guarantee structure — closely comparable to Blackmoon's platform model and geographic footprint.
• Robo.cash: Robo.cash operates an automated P2P investing platform originating and distributing short-term consumer loans across multiple countries — comparable as a marketplace lending infrastructure provider with similar multi-currency, multi-country reach.

Broad incumbents

• LendingClub: LendingClub is the largest US P2P lending marketplace, originally connecting consumer borrowers directly with investors. Comparable as an established marketplace lending platform, though US-focused and consumer-borrower-facing rather than an originator-to-investor infrastructure play.
• Funding Circle: Funding Circle operates a global SME lending marketplace with institutional and retail investor participation. Comparable as a major marketplace lending platform; broader in product scope (SME focus) and more established than Blackmoon.
• Zopa: Zopa is a UK-based pioneer in P2P lending, now operating as a digital bank. Comparable as an established marketplace lending incumbent, though it has since vertically integrated into banking rather than remaining a pure infrastructure layer.

Emerging players

• EstateGuru: EstateGuru operates a European P2P marketplace for real estate-backed loans, comparable in its cross-border infrastructure model connecting originators with investors across multiple European markets.
• Debitum Network: Debitum Network runs a blockchain-based invoice and business loan marketplace lending platform serving European SMEs — comparable as an alternative lending infrastructure platform targeting institutional investors.
• NSR Invest (formerly LendingRobot): NSR Invest provides automated P2P lending portfolio management and investment tools for marketplace lending investors — comparable to Blackmoon's Market 2.0 investor interface in serving sophisticated investors accessing multiple originator platforms.

Others

• Target Asset Management: Target Asset Management is Blackmoon's flagship institutional partner and the manager of the $100M fund investing in loans originated through Blackmoon — comparable as a strategic counterparty demonstrating institutional appetite for Blackmoon's asset class.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/blackmoonfg
• LinkedInlinkedin.com/company/blackmoon-financial-group

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 records

Funding overview

Funding rounds2 records

Investors3 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 Blackmoon Financial Group