Rahoo
- Company typePrivate
- Founded2019
- HeadquartersTurku, Finland
- Headcount1–10
- GTM typeB2B
- OfferingSoftware
Rahoo firmographics
Firmographics- Name
- Rahoo
- Legal name
- Rahoo Oy
- Website
- https://rahoo.fi
- Company type
- Private
- Founded year
- 2019
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Ownership category
- akta.pro rank
Where Rahoo is headquartered
LocationHeadquarters
- HQ city
- Turku
- HQ country
- Finland
- HQ region
- Europe
Offices2 records
Markets served
Rahoo business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Marketing or Sales, Infrastructure, Operations
Revenue model
- Subscription Revenue: Rahoo Partner Cloud is offered in tiered subscription plans (Basic €1,999/mo, Growth €3,999/mo, Enterprise custom pricing) with varying limits on sales partners and monthly applications included.
- Commission from Platforms: Platforms offering financing through Rahoo earn commission income when customers secure financing. Commission rates vary based on financial products, services, and market conditions.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Basic plan for smaller operations: 10 sales partners, 2,000 monthly applications, 1 embeddable application process |
| Subscription | Monthly | Growth plan for scaling operations: 25 sales partners, 5,000 monthly applications, 2 embeddable application processes |
| Subscription | Multi-year contract | Enterprise plan for large-scale operations: unlimited sales partners, unlimited monthly applications, unlimited embeddable application processes |
Go-to-market motion3 records
Distribution channels4 records
Marketing channels4 records
Rahoo product offering
Product offeringCore offering
Rahoo provides an embedded finance platform enabling banks, lenders, and financial institutions to embed their financing products into any online or offline channel and distribute them through unlimited sales partners without custom development. The platform consists of Rahoo Partner Cloud (for financial institutions to manage partner ecosystems and embed financing applications) and Rahoo Financing Gateway (for software platforms and e-commerce businesses to offer financing options to their customers). The offering is delivered as a SaaS platform with tiered subscriptions (€1,999/mo Basic, €3,999/mo Growth, custom Enterprise) plus commission revenue from platform integrations.
Product overview
Rahoo offers two interconnected products: Rahoo Partner Cloud as the core embedded finance platform for financial institutions (banks, lenders, loan brokerages) to deploy financing through unlimited sales partners, and Rahoo Financing Gateway as an add-on module enabling platforms to offer financing options to their customers. Both products share embedded finance technology, bank integrations, and no-code/API deployment options, allowing financial services to scale partner ecosystems without development time.
Differentiator
Problem solved
Functional benefit
Products and services
- Rahoo Partner Cloud
Quantifiable outcome
- Conversion rates increase by more than 100% versus tracking links
- +5 more outcomes
Companies that use Rahoo
Customer profileNamed customers5 records
Segments4 records
Ideal customer profiles3 records
Rahoo technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration19 records
AI capability2 records
Feature8 records
Rahoo partnerships and signals
Strategic signalScale indicators9 records
Recent moves6 records
Expansion highlights5 records
Rahoo competitors and assessment
Company assessmentDirect peers
- Tink (Visa): Tink is a European open banking and embedded finance platform (acquired by Visa) offering account aggregation, payment initiation, and lending infrastructure. It directly overlaps with Rahoo's European focus and embedded lending/financing capabilities.
- LoanPro: LoanPro is a lending infrastructure platform providing loan origination, servicing, and collection software to lenders. Comparable to Rahoo on the loan origination and lender-side tooling dimension, though more focused on servicing than partner distribution.
- Amount: Amount is an embedded lending platform providing banks and lenders with white-label origination, decisioning, and onboarding infrastructure. Directly comparable to Rahoo Partner Cloud as it enables FIs to deploy digital lending experiences via partner channels.
- Lendio: Lendio operates an SMB lending marketplace connecting small businesses with lenders through a partner/affiliate network of brokers. Comparable business model to Rahoo's lending-via-sales-partner thesis, focused on the US SMB segment.
- Weavr: Weavr is an embedded finance platform enabling SaaS companies and platforms to integrate payments, banking, and lending capabilities. Directly comparable as a no-code/low-code embedded finance infrastructure provider targeting platforms.
- Plaid: Plaid provides APIs that connect bank accounts, verify identities, and enable embedded financial experiences. While broader in scope (data connectivity plus payments, identity, and income), Plaid is a directly comparable embedded finance infrastructure provider serving similar FI and platform customers.
- Ozone API: Ozone API provides open banking and embedded finance infrastructure for lenders, banks, and fintechs in Europe. Directly comparable given similar European geographic focus and embedded lending/financing enablement.
Broad incumbents
- Envestnet Yodlee: Envestnet Yodlee provides financial data aggregation, verification, and embedded finance APIs to banks, lenders, and fintechs. Comparable as enterprise embedded finance infrastructure, though broader in scope and primarily US-focused.
- Stripe (Stripe Capital & Connect): Stripe offers embedded finance products including Stripe Capital (working capital), Stripe Connect (marketplace/platform payments), and Financial Connections. As a broader payments incumbent expanding into embedded lending, Stripe competes for similar platform customers but as part of a much larger product suite.
Regional players
- Trustly: Trustly is a European open banking payment platform enabling account-to-account payments and embedded banking flows. Comparable on European embedded finance infrastructure targeting banks and platforms, but focused on payments rather than lending distribution.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights7 records
Customer concentration
Rahoo social profiles
Digital presenceRahoo compliance and trust
Trust signalCompliance2 records
Rahoo financial estimates
Financial estimateRevenue estimate
Valuation estimate
Rahoo leadership team
Management profileNumber of profiles
Profiles1 record
Rahoo funding detail
Funding detailFunding overview
Funding rounds1 record
Investors1 record
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Rahoo 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 Rahoo
What does Rahoo do?
Rahoo provides an embedded finance platform enabling banks, lenders, and financial institutions to embed their financing products into any online or offline channel and distribute them through unlimited sales partners without custom development. The platform consists of Rahoo Partner Cloud (for financial institutions to manage partner ecosystems and embed financing applications) and Rahoo Financing Gateway (for software platforms and e-commerce businesses to offer financing options to their customers). The offering is delivered as a SaaS platform with tiered subscriptions (€1,999/mo Basic, €3,999/mo Growth, custom Enterprise) plus commission revenue from platform integrations.
Is Rahoo a public or private company?
Rahoo is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Rahoo founded?
Rahoo was founded in 2019. It employs 1 to 10 people.
Where is Rahoo based?
Rahoo is headquartered in Turku, Finland, in the Europe region.
How does Rahoo make money?
Two revenue lines are on record. Subscription Revenue is the primary driver. The others are commission from Platforms.
Who are Rahoo's main competitors?
Direct peers on record are Tink (Visa), LoanPro, Amount, Lendio, Weavr, Plaid and Ozone API. Broad incumbents are Envestnet Yodlee and Stripe (Stripe Capital & Connect). Trustly is listed as a regional player.
Does Rahoo have an API?
Yes. Rahoo offers a Partner API for advanced partnerships, enabling partners to connect directly to the platform. The API provides full documentation, staging environment, and integration support. Partners can use the API to launch advanced partnerships faster without development time. Integration capabilities include receiving all applications into existing loan systems, showing offers in application processes, and accessing application statuses, payout reports, and other data. Developer documentation is at Not specified.