Exaloan

What Exaloan does

Exaloan AG, founded in 2019 and headquartered in Frankfurt am Main, operates a global B2B marketplace called Loansweeper™ that connects institutional investors (asset managers, family offices, banks, pension funds) with verified FinTech loan originators across consumer and SME lending categories. The platform addresses the structural lack of standardization in digital lending by applying big-data and machine-learning analytics to produce independent, real-time, loan-level credit scores, enabling investors to compare risk and build custom portfolios across hundreds of lending platforms that previously used incompatible methodologies. Complementary modules, the Analytics Toolbox (portfolio analytics with 40+ pre-configured KPIs, sub-second scoring of up to 10,000 loans) and the ESG Toolbox (EU SFDR-aligned carbon footprint and sustainability reporting), extend the platform into institutional-grade monitoring and regulatory compliance.

The company is BaFin-licensed for investment advice and brokerage through FIDUS Finanz AG as liability-holding partner, providing regulatory legitimacy in Germany and the EU. Revenue is generated via marketplace fees from loan originators, subscription or fee-per-analysis arrangements for analytics and risk-assessment services, and advisory/brokerage fees from facilitating institutional capital deployment into digital lending. Go-to-market is enterprise field sales supported by channel partnerships (UI Enlyte for digital-asset integration; Vauraus and Chartered Investment for Southeast Asia distribution), industry-event presence, and content-led thought leadership. Exaloan maintains offices in Frankfurt (legal headquarters), Singapore (Southeast Asia regional hub via the German Accelerator Program), and New York (US business development), and is founder-led with CEO Luca Frignani at the helm.

Name

Exaloan

Legal name

Exaloan AG

Website

https://exaloan.com

Company type

Private

Founded year

2019

Operating status

Operating

Headcount range

11–50 employees

Short description

Exaloan AG operates Loansweeper, a global B2B marketplace using machine learning to match institutional investors with verified FinTech loan originators, providing standardized real-time credit scoring across digital lending platforms, complemented by Analytics and ESG Toolboxes.

Ownership category

akta.pro rank

Product category

Digital Lending Marketplace

NAICS

Mortgage and Nonmortgage Loan Brokers (52231), Activities Related to Credit Intermediation (5223)

SIC

Loan Brokers (6163), Investment Advice (6282)

akta.pro primary industry

Marketplace & Loan Aggregation Platforms (Borrower-Lender Matching) (FSAGAHAL)

akta.pro secondary industries

Alternative Data & Credit Scoring (Cashflow, Telco, Utility, Open Banking) (FSAGAHAC), Pricing, Risk-Based Offer & Limit Management (FSAGAHAE), SME Credit Risk, Underwriting & Financial Data (B2B Fintech Data/Decisioning) (FSAGAJAM)

Keywords

• Digital lending marketplace
• Credit scoring analytics
• Institutional lending platform
• ESG portfolio reporting
• Fintech lending infrastructure

Headquarters

HQ city

Frankfurt

HQ country

Germany

HQ region

Europe

Offices4 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. B2B Marketplace Platform Fees: Exaloan operates a B2B marketplace (Loansweeper) connecting institutional investors with digital lending platforms. Revenue is generated through platform fees charged to loan originators for listing loans and accessing institutional capital, and from investors for analytics and risk assessment services.
2. Analytics and Risk Assessment Services: The company provides standardized risk assessment, real-time credit scoring, portfolio analytics, and ESG reporting services to institutional investors and loan originators. These services are offered as subscription or fee-per-analysis arrangements.
3. Investment Advisory and Brokerage: Exaloan AG provides investment advice and investment brokerage under BaFin license through FIDUS Finanz AG, generating advisory fees for facilitating institutional capital deployment into digital lending.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels7 records

Core offering

Exaloan operates a B2B marketplace called Loansweeper that uses Big Data and Machine Learning to connect institutional investors with verified FinTech loan originators globally. It provides standardized, real-time, platform-agnostic credit scoring for individual loans, along with portfolio analytics and ESG reporting modules to enable institutional-scale investment in digital lending.

Product overview

Exaloan operates as a unified B2B marketplace platform augmented by modular analytics and reporting add-ons. The core product is Loansweeper, which functions as a digital lending marketplace connecting institutional investors with verified loan originators and providing standardized real-time credit scoring. Built on top of this core platform are two complementary modules: the Analytics Toolbox for risk assessment, portfolio monitoring, and ESG integration, and the ESG Toolbox for sustainability reporting and regulatory compliance. Together, these products enable institutional investors to access, analyze, and invest in digital loans at scale with full automation and standardization.

Differentiator

Problem solved

Functional benefit

Brands

• Loansweeper: A B2B marketplace platform that connects institutional investors with verified FinTech loan originators, providing standardized risk management and real-time credit scoring for digital loans. Loansweeper enables investors to access millions of financing opportunities and build custom loan portfolios.
• Analytics Toolbox
• ESG Toolbox

Products and services

• Loansweeper B2B marketplace connecting institutional investors with verified FinTech loan originators, providing standardized real-time credit scoring and transparent risk assessment across the global digital lending industry. Enables investors to build custom loan portfolios by geography, loan purpose, terms, and interest rates.
• Analytics Toolbox Risk analytics and portfolio monitoring platform offering real-time insights, over 40 pre-configured KPIs aligned with ESMA reporting standards, interactive dashboards, ESG integration, and self-service report generation. Capable of scoring up to 10,000 loans in under one second.
• ESG Toolbox Sustainability reporting tool for financial market participants enabling compliance with EU SFDR and other ESG regulations, including carbon footprint measurement of loan portfolios and screening against market-accepted ESG frameworks.

Quantifiable outcome

• Up to 6% per year net investor returns in digital SME loans with returns exceeding 4% p.a. estimated over 10-year period
• +4 more outcomes

Named customers3 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 capability3 records

Feature5 records

Partnerships

Eight partnerships are on record, tiered major, core and minor.

• Chartered InvestmentmajorStrategic or Co-development Partner · 13 September 2023Tripartite cooperation among Vauraus, Chartered Investment, and Exaloan to facilitate institutional investment in digital lending opportunities. Exaloan's CEO and Business Developer participated in the Association of German Lending Platforms quarterly briefing discussing the role of credit platforms in closing the Global Financing Gap.
• VaurausmajorStrategic or Co-development Partner · 13 September 2023Tripartite cooperation among Vauraus, Chartered Investment, and Exaloan for connecting institutional capital with digital lending platforms in Southeast Asia and other markets.
• UI EnlytecoreTechnology or Integration · 11 April 2022Exaloan and UI Enlyte launched a strategic cooperation linking their platforms for digital lending and digital assets. Institutional investors on UI Enlyte's platform gain direct access to fintech lenders and loan originators through Exaloan's analytics platform, enabling development of innovative investment products. The combined infrastructure enables tokenization of whole and partial loan receivables, creating a secondary market for loan assets.
• CreditshelfcoreStrategic or Co-development Partner · 25 November 2021Exaloan and Creditshelf conducted a joint study confirming the value of digital SME loans for institutional investor portfolios. Using ECB data and Creditshelf Loan Fund loan book data, the study demonstrated that digital SME loans offer higher returns with shorter duration than traditional fixed income, showing low correlation with other asset classes. Investor returns from the Creditshelf Loan Fund reached up to 6% per year.
• Association of German Lending Platforms (VdK)minorStrategic or Co-development Partner · 21 October 2020Exaloan became a member of the Association of German Lending Platforms (VdK), which brings together 18 members working in the private debt environment. The association promotes digital debt financing, financial inclusion, and creating positive economic impact. Exaloan contributes expertise and services to support the association's goals of integrity, professionalism, quality, and transparency.
• PwCcoreImplementation/ SI/ Consulting Partner · 3 April 2020PwC provided expertise to help Exaloan set up and streamline its business operations and processes. Their valued contributions enabled Exaloan to deliver on its promise of facilitating compliant capital deployment in the digital lending market.
• German Accelerator Program South East AsiamajorStrategic or Co-development Partner · 3 April 2020Exaloan was accepted into the German Accelerator Program South East Asia, an initiative of the German Ministry of Economics and Technology. The program supports Exaloan's global expansion and strengthens its footprint in Southeast Asia, one of the most vibrant digital lending regions globally. Offices in both Frankfurt and Singapore were established as part of this program.
• FIDUS Finanz AGcoreStrategic or Co-development PartnerFIDUS Finanz AG serves as the liability-holding partner for Exaloan's BaFin-licensed investment services. Exaloan AG provides investment advice and investment brokerage under Section 2 (2) WpIG for the account and under the liability of FIDUS Finanz AG, August-Schanz-Str. 30-32, Frankfurt am Main, which holds the corresponding BaFin license under Section 15 WpIG.

Scale indicators9 records

Recent moves7 records

Expansion highlights5 records

Others

• Creditshelf: Leading German digital SME loan originator that has partnered with Exaloan on joint research and uses Exaloan's analytics engine. Included as a partner/ecosystem participant rather than direct competitor — Creditshelf originates loans and would distribute them via Loansweeper.

Direct peers

• Mintos: One of Europe's largest P2P/marketplace lending platforms that aggregates loans from multiple originators for investor funding. Directly comparable to Exaloan's Loansweeper marketplace model, though Mintos historically focused on retail investors whereas Exaloan targets institutional capital.
• Fellow Finance: Nordic marketplace lending platform that aggregates consumer and SME loans for both retail and institutional investors. Comparable to Exaloan as a regional marketplace with standardized loan listings and analytics for investor decision-making.
• Income Marketplace: Southeast Asia-based digital lending marketplace (formerly Funding Societies) that provides institutional and retail investors access to SME loans across SEA. Directly comparable to Exaloan's institutional digital lending marketplace focus, particularly in the SEA geography where Exaloan has its Singapore hub.
• Debitum Investments: European B2B lending marketplace that connects institutional investors with SME loan originators across multiple geographies. Closely comparable business model to Exaloan, with a similar cross-platform marketplace and risk-scoring focus on the European institutional buy-side.

Broad incumbents

• Funding Circle: Publicly listed UK-based SME lending marketplace with a large institutional securitization program. Comparable to Exaloan in connecting institutional capital with SME loans, though Funding Circle originates and services loans directly rather than aggregating third-party originators.
• Moody's Analytics: Global credit data and analytics provider offering risk scoring, portfolio monitoring, and regulatory reporting tools to financial institutions. Comparable to Exaloan's Analytics Toolbox and ESG Toolbox products, with much broader scale, data depth, and institutional relationships.
• LendingClub: Major US-based digital lending platform connecting borrowers with institutional and retail lenders. Comparable marketplace model, though LendingClub operates primarily as a single originator rather than the cross-platform aggregation approach Exaloan takes.

Regional players

• Lendio: US-based small business loan marketplace that aggregates SBA and other loan products from multiple lenders. Comparable marketplace model focused on SME lending, though Lendio serves primarily US small businesses and operates as a broker-to-lender model rather than an institutional investor platform.

Emerging players

• Yieldstreet: US-based alternative investments platform offering institutional and accredited investors access to private credit, real estate, and other alternative asset classes. Comparable to Exaloan in democratizing institutional-grade alternative lending exposure through technology.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key highlights4 records

Customer concentration

• Xx.com/ExaloanAG
• Facebookfacebook.com/Exaloan-107573574415115
• LinkedInlinkedin.com/company/exaloan

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 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 Exaloan