Flinker AB
Flinker AB is a Stockholm-based SaaS company that provides a cloud-based, end-to-end asset financing management platform for financial institutions and Product-as-a-Service companies in the Nordics, with modules for sales, credit, finance, and contract workflows.
- Company typePrivate
- Founded2012
- HeadquartersStockholm, Sweden
- Headcount1–10
- GTM typeB2B
- OfferingSoftware
What Flinker AB does
Flinker AB is a Stockholm-based SaaS company founded in 2012 by Niklas Henriksson and Petrus Näslund, targeting financial institutions and Product-as-a-Service (PaaS) companies with a cloud-based end-to-end asset financing management platform. The platform is organized into four integrated modules — Flinker Sales (CRM and pipeline), Flinker Credit (financial calculations, pricing engine, credit scoring, signing, and approval workflows), Flinker Finance (depreciation, revenue recognition, billing, interest rate adjustments, and contract version management), and Flinker Contract (contract administration, asset lifecycle, invoicing, and purchasing). Flinker is fully integrated to all major Swedish asset financing companies — De Lage Landen, Siemens Financial Services, Nordea Finans, and Grenke — and has processed over SEK 2BN financed, ~4,000 users, and 100,000+ assets to date.
The business operates on a quote-based annual SaaS subscription model, sold via a direct sales motion to enterprise and mid-market Nordic clients including Pedab Finance, DSolution, Makab, North62, Prodoc, and Citedo. The company has remained bootstrapped without external capital, though it formed a venture partnership with Katalysen & Partners in February 2021 to support the next growth phase. Operating geographies are Nordic-focused, with founder and leadership team experience cited as spanning the Nordics and Europe. Product development is iterative, with documented releases in 2022 and 2023 adding workflow features such as a command-palette search, a planner calendar for technicians, and Helpdesk enhancements.
Flinker AB firmographics
Firmographics- Name
- Flinker AB
- Legal name
- Flinker AB
- Website
- https://flinker.se
- Company type
- Private
- Founded year
- 2012
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Flinker AB is a Stockholm-based SaaS company that provides a cloud-based, end-to-end asset financing management platform for financial institutions and Product-as-a-Service companies in the Nordics, with modules for sales, credit, finance, and contract workflows.
- Ownership category
- akta.pro rank
Flinker AB industry classification
Industry- Product category
- Asset Financing Software
- NAICS
- Mortgage and Nonmortgage Loan Brokers (522310), Mortgage and Nonmortgage Loan Brokers (52231)
- SIC
- Services-Prepackaged Software (7372), Loan Brokers (6163)
- akta.pro primary industry
- Vertical-Specific POS Financing (e.g., Healthcare, Auto, Home Improvement) (FSAGAIAK)
- akta.pro secondary industries
- Home Improvement & Contractor POS Financing (FSAKAFAJ), Marketplace / Multi-Lender POS Financing Aggregators (FSAGAIAJ)
Keywords
Where Flinker AB is headquartered
LocationHeadquarters
- HQ city
- Stockholm
- HQ country
- Sweden
- HQ region
- Europe
Offices1 record
Markets served
Flinker AB business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Marketing or Sales, Operations, Infrastructure
Revenue model
- SaaS Platform Subscription: Flinker operates as a cloud-based SaaS platform providing end-to-end asset financing management. The platform is sold as a subscription to financial institutions and PaaS companies, with modules for Sales, Credit, Finance, and Contract management.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | Contact-based pricing |
Go-to-market motion1 record
Distribution channels1 record
Marketing channels3 records
Flinker AB product offering
Product offeringCore offering
Flinker provides a cloud-based, end-to-end asset financing management platform composed of four integrated modules — Flinker Sales, Flinker Credit, Flinker Finance, and Flinker Contract — designed to digitalize, automate, and integrate the full asset financing workflow from sales prospecting through credit processing, financing agreement handling, and asset lifecycle management. The platform is delivered as a subscription to financial institutions (banks, leasing companies) and Product-as-a-Service (PaaS) companies in the Nordic market, with pre-built integrations to all major Swedish asset financing providers.
Product overview
Flinker offers a cloud-based platform-plus-modules architecture for end-to-end asset financing management. The Flinker Platform serves as the core system with four integrated modules: Flinker Sales (financial sales support with CRM), Flinker Credit (credit business management and pricing engine), Flinker Finance (financing agreement handling), and Flinker Contract (contract and asset management). These modules work together to help financial institutions and PaaS companies digitalize their operations, with over SEK 2BN financed via the platform to date.
Differentiator
Problem solved
Functional benefit
Products and services
- Flinker Platform Cloud-based end-to-end asset financing management platform combining Sales, Credit, Finance, and Contract modules. Designed for financial institutions (banks, leasing companies) and Product-as-a-Service (PaaS) companies to digitalize, integrate, increase transparency, and stay in control of their business from start to finish.
- Flinker Sales Financial sales support module with built-in CRM functionality for financial institutions and PaaS companies. Handles prospect generation, call lists, pipeline management, budget tracking, price list management, and calendar integration with Office 365 and Google.
- Flinker Credit Core module for credit business management. Handles financial calculations for leasing, rent, function rent, service agreements, and invoice purchases; provides an advanced financial pricing engine; retrieves credit information and generates automatic credit scoring; handles electronic and physical signing; supports configurable checklists and approval workflows.
- Flinker Finance Financing agreement management engine handling depreciation and revenue recognition, billing and invoicing, interest rate adjustments for variable and fixed rates, contract adjustments with open system architecture, and version management with simulation support for agreement changes.
- Flinker Contract Contract and asset management module for controlling and handling contracts and assets. Features include contract administration for different agreement types, full asset lifecycle management from purchase to scrap, order creation and invoicing, agreement indexing with volume and fee tracking, and purchasing management via e-commerce platforms or distributors.
Quantifiable outcome
- Over SEK 2BN financed via the platform to date
- +2 more outcomes
Companies that use Flinker AB
Customer profileNamed customers6 records
Segments2 records
Ideal customer profiles2 records
Flinker AB technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration2 records
Feature9 records
Flinker AB partnerships and signals
Strategic signalPartnerships
Four partnerships are on record, tiered core.
- De Lage LandencoreMajor asset financing company on the Swedish market. Full integration enables seamless financing workflows through the Flinker Platform.
- Siemens Financial ServicescoreMajor asset financing company on the Swedish market. Full integration enables seamless financing workflows through the Flinker Platform.
- Nordea FinanscoreMajor asset financing company on the Swedish market. Full integration enables seamless financing workflows through the Flinker Platform.
- GrenkecoreMajor asset financing company on the Swedish market. Full integration enables seamless financing workflows through the Flinker Platform.
Scale indicators3 records
Recent moves6 records
Expansion highlights5 records
Flinker AB competitors and assessment
Company assessmentDirect peers
- Odessa (formerly LeaseWave): Asset finance and leasing platform for end-to-end lease origination, servicing, and asset management. Directly comparable to Flinker in target customer (lenders, lessors) and modular architecture covering the full leasing lifecycle.
- LTi Technology Solutions: Provides end-to-end lease and loan origination and servicing software for the asset finance industry. Comparable to Flinker as a purpose-built SaaS platform serving leasing companies with workflow automation for credit, contracts, and asset management.
- Cassiopae (Sopra Banking Software): Provides lending and asset finance software solutions covering leasing, loans, and finance workflows. Comparable as a software platform serving financial institutions with end-to-end credit, contract, and asset lifecycle functionality.
- NETSOL Technologies: Enterprise software for asset finance, leasing, and fleet management. Comparable to Flinker in serving captive finance, banks, and lessors with end-to-end origination and servicing capabilities.
- Alfa Financial Software: Provides asset finance software to banks, lessors, and manufacturers. Highly comparable to Flinker as a specialized software provider for the equipment and asset finance industry with deep workflow functionality.
- International Decision Systems (IDS): Provides origination, pricing, and portfolio management software for asset finance lenders. Comparable to Flinker as a specialist vendor serving banks and lessors with credit and contract management functionality.
Broad incumbents
- IFS: Enterprise ERP and asset management software with functionality for service management, asset lifecycle, and equipment-as-a-service workflows. Comparable to Flinker as an end-to-end platform, but at much broader scope and scale.
- LeaseAccelerator: Lease accounting and compliance software for enterprises with leased asset portfolios. Broader incumbent compared to Flinker, focused on accounting/IFRS16 compliance rather than full leasing workflow origination.
- Visual Lease: Lease accounting and management software covering ASC 842/IFRS 16 compliance for organizations with significant leased assets. Comparable to Flinker as a software platform for lessors/lessees but focused on accounting rather than origination.
- Salesforce Financial Services Cloud: Broad CRM and industry cloud platform with financial services functionality. Comparable as a SaaS platform sold to financial institutions and asset finance participants, but at vastly larger scale and broader scope.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks5 records
Key highlights6 records
Customer concentration
Flinker AB social profiles
Digital presenceFlinker AB financial estimates
Financial estimateRevenue estimate
Valuation estimate
Flinker AB leadership team
Management profileNumber of profiles
Profiles3 records
Flinker AB funding detail
Funding detailFunding overview
Funding rounds1 record
Investors1 record
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Flinker AB M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Flinker AB
What does Flinker AB do?
Flinker provides a cloud-based, end-to-end asset financing management platform composed of four integrated modules — Flinker Sales, Flinker Credit, Flinker Finance, and Flinker Contract — designed to digitalize, automate, and integrate the full asset financing workflow from sales prospecting through credit processing, financing agreement handling, and asset lifecycle management. The platform is delivered as a subscription to financial institutions (banks, leasing companies) and Product-as-a-Service (PaaS) companies in the Nordic market, with pre-built integrations to all major Swedish asset financing providers.
Is Flinker AB a public or private company?
Flinker AB is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Flinker AB founded?
Flinker AB was founded in 2012. It employs 1 to 10 people.
Where is Flinker AB based?
Flinker AB is headquartered in Stockholm, Sweden, in the Europe region.
How does Flinker AB make money?
One revenue line is on record: saaS Platform Subscription.
Who are Flinker AB's main competitors?
Direct peers on record are Odessa (formerly LeaseWave), LTi Technology Solutions, Cassiopae (Sopra Banking Software), NETSOL Technologies, Alfa Financial Software and International Decision Systems (IDS). Broad incumbents are IFS, LeaseAccelerator, Visual Lease and Salesforce Financial Services Cloud.
Does Flinker AB have an API?
No public API is recorded for Flinker AB.
What industry is Flinker AB in?
Flinker AB's product category is Asset Financing Software. Its primary akta.pro industry code is FSAGAIAK, Vertical-Specific POS Financing (e.g., Healthcare, Auto, Home Improvement), with a secondary code of FSAKAFAJ, Home Improvement & Contractor POS Financing. Its NAICS code is 522310 and its SIC code is 7372.