What LoanTube does

LoanTube (trading name of Tiger Lion Financial Limited, Company Number 10189367) is a UK-based digital credit broker and loan-comparison marketplace that connects borrowers with a panel of 50+ FCA-regulated lenders. Operating from 71-75 Shelton Street, London, the company was founded in 2016, employs 11–50 people, and is authorized by the Financial Conduct Authority (FRN 753151). Its product surface spans personal loans (£250–£50,000, 3 months–10 years), debt consolidation, car finance, credit cards, guarantor, homeowner, and bridging loans for consumers, plus business loans, invoice/asset/property finance, merchant cash advance, and commercial mortgages for UK SMEs.

The platform's technical core is a proprietary real-time matching engine that uses Equifax soft credit searches and lender eligibility criteria to route applicants to suitable lenders without damaging their credit scores. AI-powered tools guide customers through eligibility checks and routine questions, with a notable December 2025 launch embedding the credit marketplace directly inside ChatGPT for conversational loan applications. Supporting stack includes OpenAI, Anthropic, and Microsoft AI platforms for the loan assistant, plus Google Analytics, reCAPTCHA, Google Ads, and Meta for analytics, security, and performance marketing.

The business model is a free-to-consumer credit broker model: customers pay nothing and LoanTube earns commission from lenders on successfully arranged credit products, with a representative 79.5% APR and an APR range of 18.22%–1721%. Distribution is product-led and self-serve across the LoanTube website, app.loantube.com (consumer) and bs.loantube.com (business), supplemented by a referral network of group websites under Tiger Lion Financial and a series of 2025 partnerships with Evlo, Gain Credit, and Cubefunder targeting non-prime borrowers and SMEs.

Name

LoanTube

Legal name

Tiger Lion Financial Limited

Website

https://loantube.com

Company type

Private

Founded year

2016

Operating status

Operating

Headcount range

11–50 employees

Short description

LoanTube is a UK digital credit broker (Tiger Lion Financial Limited) that uses a proprietary real-time matching engine and ChatGPT integration to connect consumer and SME borrowers with 50+ FCA-regulated lenders, earning commission on arranged credit products.

Ownership category

akta.pro rank

Product category

Loan Comparison Marketplace

NAICS

Mortgage and Nonmortgage Loan Brokers (522310), Mortgage and Nonmortgage Loan Brokers (52231), Credit Intermediation and Related Activities (522)

SIC

Loan Brokers (6163), Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

P2P Loan Syndication & Participation Platforms (FSAKAHAL)

akta.pro secondary industry

Bridge & Short-Term Real Estate Loan Intermediation (FSAEAEAG)

Keywords

• Credit broker services
• Loan comparison platform
• Personal loan marketplace
• Business loan matching
• AI loan eligibility

Headquarters

HQ city

London

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Software

Cost components

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

Revenue model

1. Credit Broker Commission: LoanTube operates as a credit broker and earns a fee or commission from lenders when a loan or other credit product is arranged through its service. The customer-facing service is free to use; commission is received from partner lenders upon successful loan placement.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels6 records

Core offering

LoanTube is a UK-based credit broker operating a digital marketplace that compares real-time loan offers from a panel of 50+ FCA-regulated lenders. The platform guides customers through a 3-step process (loan details, receive matching offers, select a lender) using a proprietary matching engine and soft credit searches. It also offers a conversational AI loan application experience within ChatGPT, targeting underserved borrowers including those with limited credit history.

Product overview

LoanTube is a UK-based credit broker operating as a comparison platform and marketplace. The core offering is a loan matching engine that connects borrowers with over 50 FCA-regulated lenders through a real-time comparison marketplace. The platform offers personal loans, car finance, credit cards, business loans, homeowner loans, guarantor loans, and specialized financing products. Supporting tools include loan eligibility checkers and financial calculators (repayment, APR, debt). The service differentiates through transparent real-rate comparison, soft credit searches that don't impact credit scores, and AI-powered tools for loan matching and customer support. Partnerships with lenders like Evlo, Gain Credit, and Cubefunder extend access to non-prime borrowers and SMEs.

Differentiator

Problem solved

Functional benefit

Products and services

• Personal Loans Unsecured personal loans for various purposes including debt consolidation, home improvement, weddings, and holidays. Loan amounts from £250 to £50,000 with terms from 3 months to 10 years, arranged through LoanTube's panel of FCA-regulated lenders.
• Car Finance Vehicle financing options including HP (Hire Purchase), PCP (Personal Contract Purchase), used car finance, no-deposit car finance, and bad credit car finance solutions arranged through partner lenders.
• Credit Cards Credit card comparison including balance transfer cards, purchase cards, money transfer cards, and credit building cards from partner lenders.
• Business Loans Commercial financing for UK SMEs including working capital loans, merchant cash advances, commercial finance, small business loans, business expansion loans, and debt refinance.
• Debt Consolidation Loans Personal loans to consolidate multiple debts into a single repayment. Unsecured options from £1,000 to £35,000 over 12-84 months without collateral security, arranged through partner lenders.
• Homeowner Loans Secured and unsecured loans for homeowners, using property as potential collateral for better rates, arranged through partner lenders.
• Guarantor Loans Loans requiring a guarantor with good credit history. Offers lower interest rates for borrowers with limited credit history, typically ranging from £1,000 to over £10,000.
• Bridging Loans

Named customers4 records

Segments4 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration8 records

AI capability7 records

Feature4 records

Partnerships

Four partnerships are on record, tiered core.

• CubefundercoreStrategic or Co-development Partner · 28 October 2025LoanTube partnered with Cubefunder to deliver human-centric financial services for UK SMEs. The partnership combines LoanTube's comparison marketplace with Cubefunder's SME lending solutions.
• Gain CreditcoreStrategic or Co-development Partner · 20 May 2025LoanTube partnered with Gain Credit to expand access to credit products for non-prime borrowers. The collaboration targets an underserved segment of the lending market, leveraging Gain Credit's specialized lending products with LoanTube's comparison platform.
• EvlocoreStrategic or Co-development Partner · 15 April 2025LoanTube partnered with Evlo to improve access to transparent credit options for underserved UK consumers and businesses. The collaboration integrates LoanTube's real-rate loan comparison technology directly into Evlo's hybrid branch-digital lending network, helping non-prime borrowers make better-informed financial decisions by removing guesswork from loan applications.
• FCA-Regulated Lender Panel (50+ lenders)coreChannel Partner/ Reseller/ DistributorLoanTube collaborates with over 50 FCA-regulated lenders on its credit marketplace. Lenders include: Salad Money, Savvy Loans, Triver, Munzee, Evolution Money, 118118 Money, 1Plus1 Loans, Toot Loans, BB Loans, Quid Market, iwoca, Funding Circle, Fleximise, YouLend, Arkle Finance, Barclays Bank, Credit4, Cube Funder, eCapital, Got Capital, Lenkie, Momenta Finance, Cashline, NatWest Bank, Swift Fund, Swish Fund, Ultimate Finance, Capital on Tap, and others. These lenders provide personal loans, business loans, credit cards, and car finance products through LoanTube's platform.

Scale indicators4 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Zopa: UK-founded P2P lending marketplace that evolved into a digital bank. Operates a lender-side marketplace model and competes for the same UK consumer credit demand that LoanTube routes through its broker panel.
• Funding Circle: UK SME lending marketplace (also a LoanTube partner lender). Directly comparable in operating a multi-lender matching platform and overlapping in LoanTube's SME loan category.
• iwoca: UK SME working capital lender (also a LoanTube partner). Comparable in serving UK SMEs with short-term credit products and embedded in LoanTube's partner network.
• TotallyMoney: UK credit comparison platform focused on credit cards, loans, and eligibility checking. Closely comparable in target customer, free-to-user model, and soft-search eligibility tooling.
• ClearScore: UK credit comparison and eligibility platform with lender panel partnerships. Comparable in monetizing via lender commission, soft-search matching, and broad personal credit product range.
• Loans Warehouse: UK credit broker for personal, business, and specialist loans including non-prime. Direct peer given similar credit-broker model, FCA authorization, and UK-only scope.

Broad incumbents

• MoneySupermarket: UK's largest multi-product price comparison site. Overlaps in loans and credit cards comparison but covers a much wider product set (insurance, utilities) and operates at significantly greater scale.
• Compare the Market: UK multi-product comparison site with loans and credit cards offerings. Comparable in broker/affiliate model but as part of a much broader financial services and insurance portfolio.
• Credit Karma (UK): UK arm of Credit Karma offering credit comparison and personalized product recommendations. Comparable in lender commission monetization, soft-search eligibility, and credit education tools.
• Experian UK: UK credit reference agency that operates lender-matching and comparison services. Comparable in connecting borrowers with lenders using credit data, but at much larger scale and with the credit bureau data advantage LoanTube accesses via Equifax.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds

Investors

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 LoanTube