Kuber Financial
Kuber Financial, LLC (dba Mobilend) is a California-based direct-to-consumer fintech lender offering personal installment loans for debt consolidation. It serves US consumers seeking to simplify multiple debts via three plan variants on a state-by-state licensed platform.
- Company typePrivate
- Founded2015
- HeadquartersIrvine, United States
- Headcount1–10
- GTM typeB2C
- OfferingServices
What Kuber Financial does
Kuber Financial, LLC, operating through its Mobilend brand, is a California-based direct-to-consumer fintech lender founded in 2015. The company provides personal installment loans targeted at US consumers seeking debt consolidation and structured repayment of credit card and other high-interest obligations. Its lending platform operates on a state-by-state regulated basis (NMLS: 1735696, California Lender License: 60DBO58789) and offers three plan variants: a Conservative Plan with a 60-month term designed to keep monthly payments low, a Dynamic Plan with a 36-month term starting at 5.99% interest for consumers with over $10,000 in credit card debt, and an Individual Plan with customized flexible terms.
The company's platform claims to use advanced analytics and machine learning algorithms to evaluate borrower credit history, income, expenses, and financial goals, integrating an in-house financing back office with financing partners to surface optimal loan offers. Underwriting looks at total financial obligations rather than relying solely on credit scores, and funds are disbursed directly to consumers who then pay their creditors. The platform includes a Pre-Enrollment and Qualification tool that issues soft-inquiry pre-qualified offers, monthly credit bureau reporting for credit building, and partnerships with national debt education centers.
Kuber Financial generates revenue primarily through interest charged on personal installment loans originated under the Mobilend brand. Distribution is direct-to-consumer via self-serve online application through kuberfinancial.com and mobilend.com, supplemented by phone-based origination and email support. The company markets through content (financial literacy blog) and organic web traffic, and maintains a small operational footprint of 1-10 employees headquartered at 400 Spectrum Center Drive, Suite 350, Irvine, California. Co-founder and CTO Timothy Li leads the technology function.
Kuber Financial firmographics
Firmographics- Name
- Kuber Financial
- Legal name
- Kuber Financial, LLC
- Website
- https://kuberfinancial.com
- Company type
- Private
- Founded year
- 2015
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Kuber Financial, LLC (dba Mobilend) is a California-based direct-to-consumer fintech lender offering personal installment loans for debt consolidation. It serves US consumers seeking to simplify multiple debts via three plan variants on a state-by-state licensed platform.
- Ownership category
- akta.pro rank
Kuber Financial industry classification
Industry- Product category
- Consumer Lending
- NAICS
- Credit Intermediation and Related Activities (522)
- SIC
- Personal Credit Institutions (6141)
- akta.pro primary industry
- Debt Consolidation Personal Loans (Unsecured Installment) (FSAKAAAD)
- akta.pro secondary industries
- Credit Card Debt Consolidation Loans (FSAKAIAC), Multi-Loan / Multi-Creditor Consolidation Loans (FSAKAIAD)
Keywords
Where Kuber Financial is headquartered
LocationHeadquarters
- HQ city
- Irvine
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Kuber Financial business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Operations, Technology or R&D, Marketing or Sales, Personnel
Revenue model
- Interest on Personal Installment Loans: Kuber Financial generates revenue primarily through interest charged on personal installment loans offered under the Mobilend brand. The company provides direct lending to consumers for debt consolidation purposes, earning interest over the loan repayment period through fixed-rate simple interest loans.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Monthly | Conservative Plan - 60-month debt consolidation loan |
| Other | Monthly | Dynamic Plan - 36-month debt consolidation loan |
| Other | Monthly | Individual Plan - Flexible terms |
Go-to-market motion1 record
Distribution channels2 records
Marketing channels4 records
Kuber Financial product offering
Product offeringCore offering
Kuber Financial is a direct-to-consumer fintech lender operating under the Mobilend brand, providing personal installment loans for debt consolidation. The company offers state-by-state regulated lending with three plan options (Conservative 60-month, Dynamic 36-month starting at 5.99%, and Individual flexible terms), underwriting using advanced analytics and machine learning, direct payment to consumers who then settle their creditors, and credit-bureau reporting for credit building.
Product overview
Kuber Financial operates as a fintech lending company offering a single flagship lending platform branded as Mobilend. Mobilend is a state-by-state regulated lender providing personal installment loans with three distinct plan options: the Conservative Plan (60-month term focused on low payments), the Dynamic Plan (for credit card debt over $10,000, starting at 5.99% interest), and the Individual Plan (flexible custom terms). The platform features in-house underwriting that evaluates total financial obligations beyond just credit scores, direct payment to consumers who then pay off creditors, monthly credit bureau reporting for credit building, and partnerships with national debt relief education centers. The company's Pre-Enrollment and Qualification tool enables consumers to receive soft-inquiry based pre-qualified offers from affiliate lenders.
Differentiator
Problem solved
Functional benefit
Brands
- Mobilend: A flexible personal installment loan product offering debt consolidation loans with payment plans ranging from 12, 36, or 60 months. State by state regulated lender offering personal installment loans with flexible terms and affordable interest rates.
Products and services
- Mobilend Personal Installment Loans State-by-state regulated personal installment loan product offered under the Mobilend brand by Kuber Financial, LLC (NMLS: 1735696). Provides flexible debt consolidation loans with payment plans ranging from 12 to 60 months, including underwriting that evaluates total financial obligations, direct payment to consumers who then pay off creditors, monthly credit bureau reporting for credit building, and financial education programs. Targeted at US consumers seeking to consolidate credit card debt, loans, and other outstanding balances.
- Conservative Plan A 60-month debt consolidation loan plan under the Mobilend product line, designed to keep monthly payments low and allow consumers to start saving while paying off high-rate debt over a longer period.
- Dynamic Plan A debt consolidation loan plan under the Mobilend product line targeting consumers with $10,000+ in credit card debt, converting revolving credit card balances into a simple-interest installment loan with terms starting at 5.99% interest.
- Individual Plan A flexible payment plan under the Mobilend product line providing customized terms that match consumers to the right financial product and place them on a path to becoming debt free.
Companies that use Kuber Financial
Customer profileSegments3 records
Ideal customer profiles2 records
Kuber Financial technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature3 records
Kuber Financial partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- Operation Help A HerominorKuber Financial partners with Operation Help A Hero for the fifth consecutive year to support military families during the holidays. Operation Help A Hero is a 501(c)(3) public charity dedicated to supporting American military members and their families throughout various stages of service including preparation for separation, deployment, and transition back to civilian life. Kuber Financial sponsors a military family through the organization's initiatives.
Scale indicators1 record
Recent moves5 records
Expansion highlights4 records
Kuber Financial competitors and assessment
Company assessmentDirect peers
- Payoff (Happy Money): Happy Money (formerly Payoff) operates a direct-to-consumer lending platform purpose-built for credit-card debt consolidation, offering unsecured personal installment loans — a near-identical product positioning to Mobilend.
- Avant: Avant is an online consumer lender focused on personal installment loans to near-prime and middle-credit consumers, often used for debt consolidation — directly comparable customer and product profile to Mobilend.
- OneMain Financial: OneMain Financial specializes in personal installment loans to subprime and credit-building consumers, with multi-channel origination including online — closely matching Kuber's positioning in unsecured installment debt-consolidation lending.
- Upstart: Upstart is an AI-driven consumer lending platform that uses machine-learning underwriting for personal loans — comparable to Kuber's ML-based underwriting technology and its end-customer use cases, including debt consolidation.
- Prosper: Prosper is an online marketplace lending platform offering fixed-rate personal installment loans used heavily for debt consolidation, with similar online self-serve origination to Mobilend.
- Best Egg: Best Egg is a direct-to-consumer online lender focused primarily on debt consolidation personal loans, offering fixed-rate installment products to consumers — the same core use case as Kuber Financial's Mobilend.
- LendingClub: LendingClub is a large online consumer lending marketplace offering personal loans commonly used for debt consolidation and credit-card refinancing, competing head-to-head with Kuber's Mobilend product.
Broad incumbents
- SoFi: SoFi is an established full-stack consumer finance incumbent offering personal loans for debt consolidation alongside a broader suite (banking, student loans, investing), making it a broad competitor for Kuber's target borrower.
- Discover Personal Loans: Discover Personal Loans is a major incumbent lender offering fixed-rate debt consolidation loans directly to consumers via online application — directly comparable product with substantially greater scale and brand recognition.
- Marcus by Goldman Sachs: Marcus is a large established personal-loan provider from a major bank, offering no-fee debt consolidation loans to consumers — overlapping Kuber's core product from a much broader balance-sheet-backed franchise.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat3 records
Key risks6 records
Key highlights6 records
Customer concentration
Kuber Financial social profiles
Digital presenceKuber Financial financial estimates
Financial estimateRevenue estimate
Valuation estimate
Kuber Financial leadership team
Management profileNumber of profiles
Profiles1 record
Kuber Financial funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Kuber Financial 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 Kuber Financial
What does Kuber Financial do?
Kuber Financial is a direct-to-consumer fintech lender operating under the Mobilend brand, providing personal installment loans for debt consolidation. The company offers state-by-state regulated lending with three plan options (Conservative 60-month, Dynamic 36-month starting at 5.99%, and Individual flexible terms), underwriting using advanced analytics and machine learning, direct payment to consumers who then settle their creditors, and credit-bureau reporting for credit building.
Is Kuber Financial a public or private company?
Kuber Financial is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Kuber Financial founded?
Kuber Financial was founded in 2015. It employs 1 to 10 people.
Where is Kuber Financial based?
Kuber Financial is headquartered in Irvine, United States, in the North America region.
How does Kuber Financial make money?
One revenue line is on record: interest on Personal Installment Loans.
Who are Kuber Financial's main competitors?
Direct peers on record are Payoff (Happy Money), Avant, OneMain Financial, Upstart, Prosper, Best Egg and LendingClub. Broad incumbents are SoFi, Discover Personal Loans and Marcus by Goldman Sachs.
Does Kuber Financial have an API?
No public API is recorded for Kuber Financial.
What industry is Kuber Financial in?
Kuber Financial's product category is Consumer Lending. Its primary akta.pro industry code is FSAKAAAD, Debt Consolidation Personal Loans (Unsecured Installment), with a secondary code of FSAKAIAC, Credit Card Debt Consolidation Loans. Its NAICS code is 522 and its SIC code is 6141.