Savelend
SaveLend Group AB is a Swedish fintech operating a Nasdaq First North-listed peer-to-peer lending platform that intermediates loans between retail/corporate investors and borrowers, offering fixed-income savings products (5.5-9% returns) with automated portfolio diversification across hundreds of credits.
- Company typePublic
- Founded2014
- HeadquartersStockholm, Sweden
- Headcount51–100
- GTM typeB2C
- OfferingServices
What Savelend does
SaveLend Group AB (publ) is a Swedish fintech operating a peer-to-peer lending and savings platform that intermediates loans between retail and corporate investors on one side and consumer and SME borrowers on the other. Founded in 2014 by Ludwig Pettersson and listed on Nasdaq First North Growth Market under ticker YIELD, the company has operated in the Swedish market for over a decade, serving thousands of individual savers as well as corporate investors. The product portfolio comprises SaveLend Fixed (5.5% guaranteed return for 12 or 24-month terms), automated Balanced (6.5-7.5% target) and Yield (7.5-9% target) strategies run by an automated yield-robot algorithm, a Freedom strategy for manual control, a real estate project-finance vertical with A-F risk classification across 40 loans totaling SEK 289M (0.00% default as of 2026-04-10), and SaveLend Plus for corporate investors at 6% with monthly payouts.
The platform is built on proprietary technology including an automated investment algorithm that distributes capital across hundreds of loans, a five-factor risk classification model (Counterparty, Capital Structure, Collateral, Project, Market) producing A-F risk ratings, and an in-platform secondary market that provides liquidity. Onboarding is mobile-first (under 5 minutes) via Swedish Mobile BankID for KYC, with deposits accepted through Swish, Trustly, and bank transfer; uninvested customer funds sit at Handelsbanken and benefit from the SEK 1,050,000 state deposit guarantee. Operations run through two wholly-owned, Finansinspektionen-licensed subsidiaries — SBL Finans AB (consumer credit institution and crowdfunding provider) and SBL Payments AB (payment institution).
SaveLend's revenue model is performance-based, charging 5-10% of interest earned on investments plus 2-5% on secondary market transactions (with fee-free allowances up to SEK 100,000/year for Balanced/Yield strategies after 12 months), aligning company economics with investor outcomes. In 2025 the company reported a positive EBITDA of SEK 355,000 versus SEK -7.4M in 2024, a meaningful operating turnaround, although the net loss remained SEK -21.4M. The company is undergoing a strategic transformation triggered by Swedish regulation requiring credit market company licensing by June 2026: SaveLend is pivoting from consumer credit to SME lending, divesting its billing platform Billecta AB, securing a SEK 120M investment from NordIX AG, and entering an AI partnership with Nooga for governance, risk, and compliance automation.
Savelend firmographics
Firmographics- Name
- Savelend
- Legal name
- SaveLend Group AB (publ)
- Website
- https://savelend.se
- Company type
- Public
- Founded year
- 2014
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- SaveLend Group AB is a Swedish fintech operating a Nasdaq First North-listed peer-to-peer lending platform that intermediates loans between retail/corporate investors and borrowers, offering fixed-income savings products (5.5-9% returns) with automated portfolio diversification across hundreds of credits.
- Ownership category
- akta.pro rank
Savelend industry classification
Industry- Product category
- Peer-to-Peer Lending Platform
- SIC
- Loan Brokers (6163)
- akta.pro primary industry
- Pricing, Risk-Based Offer & Limit Management (FSAGAHAE)
- akta.pro secondary industries
- Alternative Data & Credit Scoring (Cashflow, Telco, Utility, Open Banking) (FSAGAHAC), Savings Automation & Goal-Based Savings (FSAGADAC)
Keywords
Where Savelend is headquartered
LocationHeadquarters
- HQ city
- Stockholm
- HQ country
- Sweden
- HQ region
- Europe
Offices1 record
Markets served
Savelend business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure
Revenue model
- Performance-based Service Fee: SaveLend charges 5-10% of interest earned by investors, aligning company incentives with customer returns. Fee is reduced through bonus tiers based on invested capital or shareholding.
- Secondary Market Transaction Fees: Fee of 2-5% charged when investors sell credits on the secondary market before loan maturity. Balanced and Yield strategies offer fee-free selling up to SEK 100,000 per 12-month period.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Outcome Based/ Performance | Monthly | Performance-based service fee on interest earned |
| One time/ perpetual license | Multi-year contract | SaveLend Fixed - Guaranteed 5.5% annual return |
| Hybrid | Monthly | Balanced Strategy - 6.5-7.5% target annual return |
| Hybrid | Monthly | Yield Strategy - 7.5-9% target annual return |
| Subscription | Monthly | SaveLend Plus - 6% annual return for companies |
| Transaction based/ take rate | Pay-as-you-go | Secondary Market Fees |
| Other | Pay-as-you-go | Refer-a-Friend Bonus Program |
Go-to-market motion3 records
Distribution channels1 record
Marketing channels6 records
Savelend product offering
Product offeringCore offering
SaveLend is a Swedish fintech peer-to-peer lending platform that enables individuals and companies to invest in loans and earn interest returns. The platform offers multiple investment products including fixed-term savings (SaveLend Fixed at 5.5%), automated savings strategies (Balanced 6.5-7.5% and Yield 7.5-9%), direct real estate project financing with A-F risk ratings, and corporate savings products (SaveLend Plus at 6%). Operations are conducted through SBL Finans AB (consumer credit institution) and SBL Payments AB (payment institution), both licensed by the Swedish Financial Supervisory Authority (Finansinspektionen).
Product overview
SaveLend is a Swedish fintech peer-to-peer lending platform that enables individuals and companies to invest in loans and earn interest returns. The platform operates through a multi-product architecture consisting of: SaveLend Fixed (fixed-term savings at 5.5%), SaveLend Balanced/Yield/Freedom Strategies (automated savings with different risk-return profiles), SaveLend Real Estate (direct project financing), and SaveLend Plus (corporate savings at 6%). The platform is provided by SBL Finans AB (consumer credit institution and crowdfunding services) and payment services by SBL Payments AB, both licensed by the Swedish Financial Supervisory Authority. SaveLend Group AB is listed on Nasdaq First North.
Differentiator
Problem solved
Functional benefit
Brands
- SaveLend Fixed: Savings product with guaranteed fixed interest rate of 5.5% for 12 or 24 months.
- SaveLend Strategies
- SaveLend Real Estate
- SaveLend Plus
Products and services
- SaveLend Fixed Fixed-term savings product offering a guaranteed 5.5% annual interest rate for 12 or 24 month periods. Capital is locked for the term with interest paid at maturity. Minimum deposit SEK 10,000, maximum SEK 2,000,000. Designed for conservative individual savers seeking predictable returns.
- SaveLend Balanced Strategy Automated savings strategy targeting 6.5-7.5% annual return with low credit loss risk and high liquidity. Capital spread across a wide range of credits using the yield robot algorithm. Minimum investment SEK 2,000. Includes fee-free secondary market access up to SEK 100,000/year after 12 months.
- SaveLend Yield Strategy Automated savings strategy targeting 7.5-9% annual return with medium risk. Designed for investors with 36+ month savings horizon. Capital invested across a wide range of credits using the yield robot. Minimum investment SEK 10,000. Includes fee-free secondary market access up to SEK 100,000/year after 12 months.
- SaveLend Freedom Strategy Manual savings strategy allowing users to select specific originators, credit types, and determine allocation percentages per investment. Provides flexibility but requires active management by the investor.
- SaveLend Real Estate (Project Finance) Direct investment platform for real estate loans, management projects, and business credits. Investors select individual projects matching their risk tolerance. Features proprietary risk classification model with A-F ratings across Counterparty, Capital Structure, Collateral, Project, and Market categories. 0.00% default rate recorded across 40 intermediated loans as of 2026-04-10 with SEK 289,350,000 total volume.
- SaveLend Plus Corporate savings product offering 6% annual interest rate (0.5% per month paid monthly). Runs indefinitely with option to withdraw up to 25% of originally invested capital quarterly. Minimum SEK 1,000,000, maximum SEK 10,000,000. For company investors only.
Quantifiable outcome
- Balanced strategy delivers 6.5-7.5% annual target return with low risk
- +4 more outcomes
Companies that use Savelend
Customer profileNamed customers4 records
Segments4 records
Ideal customer profiles4 records
Savelend technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration3 records
AI capability5 records
Feature3 records
Savelend partnerships and signals
Strategic signalPartnerships
Five partnerships are on record, tiered strategic, core, minor and supporting.
- NoogastrategicStrategic partnership with Swedish AI company Nooga to implement Nooga Navigator, an AI-based platform for governance, risk, and compliance (GRC). The platform will integrate AI agents into SaveLend's existing systems to improve internal governance, regulatory compliance, and operational efficiency as part of its transformation into a credit market company.
- Svensk Kreditförmedling ABcoreSubsidiary originating real estate and rental projects on the SaveLend platform. Previously mediated through originator SKF, now transitioning to SBL Finans. Provides crowdfunding investment opportunities requiring knowledge testing per EU regulations.
- BillectaminorDebt collection partner for handling overdue consumer loans. SaveLend offers forward flow buyback agreements where investors can sell overdue credits and reinvest capital instead of waiting for extended debt collection.
- HandelsbankensupportingBanking partner where SaveLend maintains customer funds accounts. Uninvested customer funds are protected up to SEK 1,050,000 under state deposit guarantee as Handelsbanken is covered by this scheme.
- FinansinspektionencoreSwedish Financial Supervisory Authority that grants and oversees SaveLend's payment institution and consumer credit institution licenses. Conducts continuous reporting and compliance supervision.
Scale indicators8 records
Recent moves7 records
Expansion highlights5 records
Savelend competitors and assessment
Company assessmentBroad incumbents
- Mintos: Mintos is a large European P2P lending marketplace headquartered in Latvia that aggregates loans from many originators across multiple countries; it operates a broader, multi-jurisdictional version of SaveLend's intermediation business and is a relevant comparable for scale and business model.
- LendingClub: LendingClub is a US-listed online lending marketplace connecting borrowers with individual and institutional investors; it represents the broad-incumbent archetype of the P2P lending model that SaveLend operates within, although it serves a much larger and differently regulated market.
- Funding Circle: Funding Circle is a UK-listed online lending platform focused on SME loans; it shares SaveLend's SME lending pivot direction and overall peer-to-business lending model, but at significantly greater scale and broader geographic reach.
Direct peers
- FundedByMe: FundedByMe is a Nordic equity- and debt-based crowdfunding platform headquartered in Stockholm; it overlaps with SaveLend in providing Swedish investors access to alternative fixed-income and growth-stage opportunities under similar EU crowdfunding regulation.
- Tessin: Tessin is a Stockholm-based real estate crowdfunding platform allowing investors to fund property development projects; it is directly comparable to SaveLend's real estate intermediation offering and shares the same Swedish retail-investor base and Finansinspektionen oversight.
- Kameo: Kameo is a Swedish peer-to-peer lending platform connecting individual investors with corporate borrowers seeking capital; it competes head-to-head with SaveLend's intermediation model in Sweden and serves the same risk-classified project market.
- Lendify: Lendify is a Nordic consumer peer-to-peer lending marketplace offering automated investment products to retail savers; it is one of the closest direct competitors to SaveLend in terms of automated yield strategies for Nordic investors.
Regional players
- Fellow Finance: Fellow Finance is a Finnish peer-to-peer lending and crowdfunding platform that expanded into the Nordics; it offers comparable investor-facing loan intermediation products to SaveLend but is primarily Finland-focused with selective Nordic expansion.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Savelend social profiles
Digital presenceSavelend compliance and trust
Trust signalCompliance3 records
Savelend financial estimates
Financial estimateRevenue estimate
Valuation estimate
Savelend leadership team
Management profileNumber of profiles
Profiles4 records
Savelend subsidiaries and ownership
Company hierarchySubsidiaries2 records
Savelend funding detail
Funding detailFunding overview
Funding rounds2 records
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Savelend M&A and investment
M&A and investmentM&A1 record
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Savelend
What does Savelend do?
SaveLend is a Swedish fintech peer-to-peer lending platform that enables individuals and companies to invest in loans and earn interest returns. The platform offers multiple investment products including fixed-term savings (SaveLend Fixed at 5.5%), automated savings strategies (Balanced 6.5-7.5% and Yield 7.5-9%), direct real estate project financing with A-F risk ratings, and corporate savings products (SaveLend Plus at 6%). Operations are conducted through SBL Finans AB (consumer credit institution) and SBL Payments AB (payment institution), both licensed by the Swedish Financial Supervisory Authority (Finansinspektionen).
Is Savelend a public or private company?
Savelend is a public company. It is classified as public and is currently operating.
When was Savelend founded?
Savelend was founded in 2014. It employs 51 to 100 people.
Where is Savelend based?
Savelend is headquartered in Stockholm, Sweden, in the Europe region.
How does Savelend make money?
Two revenue lines are on record. Performance-based Service Fee is the primary driver. The others are secondary Market Transaction Fees.
Who are Savelend's main competitors?
Broad incumbents on record are Mintos, LendingClub and Funding Circle. Direct peers are FundedByMe, Tessin, Kameo and Lendify. Fellow Finance is listed as a regional player.
Does Savelend have an API?
No public API is recorded for Savelend.
What industry is Savelend in?
Savelend's product category is Peer-to-Peer Lending Platform. Its primary akta.pro industry code is FSAGAHAE, Pricing, Risk-Based Offer & Limit Management, with a secondary code of FSAGAHAC, Alternative Data & Credit Scoring (Cashflow, Telco, Utility, Open Banking). Its SIC code is 6163.