AIQlabs

What AIQlabs does

AIQLABS Spółka z o.o., founded in 2015 and headquartered in Warsaw, Poland, is a private fintech and data-and-technology house that builds and operates consumer and SMB credit products in the Polish market. Its product portfolio comprises SuperGrosz (online installment loans to consumers, PLN 1,000–10,000 over 4–48 months, marketed at promotional APRC of 7.77%), Kupuj Teraz, Zapłać Później (a Buy Now Pay Later solution launched in 2019 with payment processor Dotpay, enabling purchases up to PLN 2,000 with up to 30-day deferral or 3/6/12 installments at 0% APRC), Finces (an online factoring platform for Polish SMBs, with limits up to PLN 100,000), and SuperRata (installment lending). The core technology stack combines big data, machine learning, and proprietary statistical scoring algorithms that ingest Polish credit bureau data (BIK, CRIF) alongside application-time behavioural and alternative meta data to perform instant creditworthiness assessments and portfolio risk management. Distribution is omnichannel: AIQLABS-owned branded web portals, approximately 100 online affiliates, around 900 offline branches across Poland, and listings on the Bancovo online credit marketplace.

The business model is primarily transactional interest and fee income from originated credit, with cross-product distribution across consumer, BNPL, and SMB-factoring segments. Company-disclosed scale metrics include over PLN 1.1 billion in cumulative loans issued since inception, 1,450,000+ registered customers, 235,000+ active clients, 280,000+ approved loan applications, and PLN 244,060,039.80 issued through SuperGrosz in 2024 (up from PLN 226,344,477 in 2023). The company is funded predominantly through a recurring public bond programme (Series 007, 008, 009, and 012 from December 2019 onward) rather than venture equity, with disclosed bond obligations not exceeding PLN 14 million as of 31 December 2025 (~12% of balance-sheet liabilities). AIQLABS has received multiple industry recognitions including KPF Ethics Audit Certificates (2019, 2023, 2024, 2025), the Loan Magazine Kryształ Jakości (2018), Loan Institution of the Year (2022), and TOP BRAND DEKADY (2025). It disclosed a cybersecurity incident in October 2025 affecting approximately 10,000 customers, reported to CSIRT KNF, CSIRT NASK, and the Polish Data Protection Authority.

Name

AIQlabs

Legal name

AIQLABS Spółka z o.o.

Website

https://aiqlabs.pl

Company type

Private

Founded year

2015

Operating status

Operating

Headcount range

101–250 employees

Short description

AIQLABS is a Warsaw-based fintech company that builds and operates consumer loans (SuperGrosz), Buy Now Pay Later (Kupuj Teraz), and SMB online factoring (Finces) in Poland, using proprietary ML and credit-bureau scoring on BIK and CRIF data and distributing through owned portals, ~900 offline branches, ~100 affiliates, and the Bancovo marketplace.

Ownership category

akta.pro rank

Product category

Consumer Finance & Online Lending

NAICS

Credit Intermediation and Related Activities (522), Other Activities Related to Credit Intermediation (522390), Sales Financing (52222), Activities Related to Credit Intermediation (5223)

SIC

Personal Credit Institutions (6141), Short-Term Business Credit Institutions (6153), Miscellaneous Business Credit Institution (6159)

akta.pro primary industry

Alternative Data & Credit Scoring (Cashflow, Telco, Utility, Open Banking) (FSAGAHAC)

akta.pro secondary industries

Embedded Lending & Credit (POS, Working Capital, Credit Lines) (FSAGALAD), SME Credit Risk, Underwriting & Financial Data (B2B Fintech Data/Decisioning) (FSAGAJAM), Transaction Analytics & Cash-Flow Insights (risk signals, forecasting) (FSAGACAG)

Keywords

• Consumer lending services
• Online factoring platform
• Buy now pay later
• Credit risk scoring
• Fintech consumer finance

Headquarters

HQ city

Warszawa

HQ country

Poland

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Consumer Loans (SuperGrosz): Interest income from short- and long-term installment loans issued to consumers. Loans range from PLN 1000–10,000 for 4–48 months. The company reported PLN 244,060,039.80 issued in 2024 and over PLN 1.1 billion in total loans issued since inception.
2. Buy Now, Pay Later (Kupuj Teraz, Zapłać Później): Deferred payment service where customers can defer payment up to 30 days or split into 3/6/12 installments without additional charge (APRC 0%). AIQLABS bears the whole risk of deferred transactions. Revenue from merchant partnerships and transaction fees.
3. Online Factoring for SMBs (Finces): Factoring services for small and medium businesses with online onboarding and fast fund transfers. Maximum factoring limit up to PLN 100,000. Revenue from factoring fees and interest.
4. Bond Issuance: AIQLABS has issued multiple series of bonds (series 007, 008, 009, 012, B of SG NZ FIZ) as a capital-raising mechanism. The company has disclosed estimated financial obligations not exceeding PLN 14 million (31 December 2025), representing not more than 12% of balance sheet liabilities.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels5 records

Core offering

AIQLABS operates a Data & Technology house providing integrated fintech solutions in consumer finance. Its portfolio includes SuperGrosz consumer installment loans (PLN 1,000–10,000 over 4–48 months), Kupuj Teraz, Zapłać Później — a Buy Now Pay Later service enabling up to 30 days deferred payment or 3/6/12 zero-interest instalments up to PLN 2,000 at partner e-stores, and Finces, an online factoring platform for SMBs with limits up to PLN 100,000. All offerings are powered by proprietary credit scoring models using machine learning, big data, and cognitive analytics, drawing on BIK/CRIF bureau data plus alternative behavioural data to deliver instant automated credit decisions.

Product overview

AIQLABS operates as a Data & Technology house offering integrated fintech solutions for both consumer finance and business customers. The company implements solutions supporting consumer finance and innovation culture using advanced digital strategies including big data, machine learning, and cognitive solutions. The product portfolio consists of SuperGrosz (consumer lending platform with advanced risk-modelling and machine learning algorithms), Kupuj Teraz, Zapłać Później (Buy Now, Pay Later deferred payment service in partnership with Dotpay), Finces (online factoring platform for small and medium businesses), and SuperRata (installment loan product). All products are underpinned by proprietary scoring models, advanced technological algorithms, and data science processes enabling instant credit decisions, automated creditworthiness assessment, and high portfolio quality.

Differentiator

Problem solved

Functional benefit

Brands

• SuperGrosz: Specialized FinTech entity operating online loan platform with innovative management and risk-modelling processes. Utilizes advanced technology and machine learning algorithms for consumer lending with low loss index and high-quality portfolio.
• Kupuj Teraz, Zapłać Później (Buy Now, Pay Later)
• Finces

Products and services

• SuperGrosz Specialized consumer lending platform offering short- and long-term installment loans of PLN 1,000 to PLN 10,000 over 4 to 48 months to Polish consumers. Uses proprietary scoring algorithms, big data, and machine learning to deliver instant credit decisions and maintain a low loss index. Promotion 'Odlotowa Promocja z RRSO 7.77%' offers qualifying new customers APRC 7.77%.
• Kupuj Teraz, Zapłać Później (Buy Now, Pay Later) Deferred payment and purchase-financing service for online shoppers at partner e-commerce stores. Enables purchases from PLN 100 to PLN 2,000 with up to 30 days deferred payment or split into 3, 6, or 12 instalments with 0% APRC. AIQLABS bears the credit risk and uses proprietary statistical models combining BIK/CRIF bureau data with behavioural data for instant creditworthiness assessment.
• Finces Intelligent online financing platform providing real-time factoring services to Polish small and medium businesses. Features quick customer onboarding, transparent verification, and fast fund transfers with maximum factoring limits up to PLN 100,000. Average APR around 60% and average tenor of 1 month. Distributed via the Finces portal and through Bancovo.
• SuperRata Installment loan product within the AIQLABS portfolio, sitting alongside SuperGrosz, Finces, and Kupuj Teraz as part of the integrated fintech ecosystem. Targeted at consumers seeking structured instalment repayment.

Quantifiable outcome

• Over PLN 1.1 billion in loans issued since inception; 1,450,000+ registered customers; 235,000+ pleased clients.
• +4 more outcomes

Named customers1 record

Segments2 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

AI capability4 records

Feature4 records

Partnerships

Four partnerships are on record, tiered core.

• DotpaycoreStrategic or Co-development Partner · 1 April 2019AIQLABS partnered with Dotpay to launch Kupuj Teraz, Zapłać Później (Buy Now, Pay Later) — the first BNPL service of its kind in Poland. Dotpay provides the payment infrastructure enabling the deferred payment method at selected e-commerce stores. The service allows purchases up to PLN 2,000 with up to 30 days deferred payment or installment options.
• BancovocoreChannel Partner/ Reseller/ Distributor · 1 March 2018AIQLABS joined Bancovo, an innovative online credit platform, with its SuperGrosz consumer loan and Finces SMB factoring products. Bancovo provides a third-party marketplace channel for AIQLABS products, expanding reach to a broader online audience. Partners plan further expansion of cooperation with additional sales channels and products.
• BIK (Biuro Informacji Kredytowej)coreTechnology or IntegrationAIQLABS cooperates with BIK (the main Polish credit reporting agency) and CRIF company for credit assessment verification. Customer credit history data from BIK and CRIF is combined with information collected during the application to enable safe, automatic, and quick creditworthiness assessment within the Kupuj Teraz BNPL product and SuperGrosz loan products.
• CRIFcoreTechnology or IntegrationAIQLABS cooperates with CRIF (credit data company) alongside BIK for credit history verification. Combined credit database information with alternative meta and behavioural data enables instant creditworthiness determination.

Scale indicators8 records

Recent moves7 records

Expansion highlights5 records

Direct peers

• Vivus.pl: Direct Polish online consumer lender offering short-term installment loans to individuals; directly competes with SuperGrosz on product, customer segment, and digital-first origination model.
• Wonga.pl: Online consumer credit provider in Poland with short- and long-term loan products; competes head-to-head with SuperGrosz on speed of digital decisioning and the same underbanked Polish borrower segment.
• Provident Polska (Home Credit): Large Poland-domiciled consumer finance operator combining doorstep/branch distribution with online lending, directly comparable to AIQLABS's hybrid online-plus-~900-branch model and SuperGrosz product set.
• Kuki (Best Finance): Polish online installment lender targeting similar consumer credit needs as SuperGrosz, using fast online decisioning and competing for the same Polish borrower pool.
• Extraportfel (Aventus Group): Polish online consumer loan provider; another direct peer in the same short- and long-term installment lending category as SuperGrosz.
• Twisto: BNPL and consumer credit provider active in Poland and Czechia; directly comparable to AIQLABS's Kupuj Teraz BNPL product in merchant-pivot deferred-payment economics.

Broad incumbents

• 4finance: European online and mobile consumer lending group operating multiple local brands across CEE; comparable as a broader non-bank lending incumbent, with leadership overlap via CRO Piotr Biernacki's prior tenure at 4finance.
• Kruk S.A. Leading Polish debt management and credit-services group; comparable as a Polish credit-market incumbent and via shared risk talent pedigree (Biernacki's prior role at Kruk).
• Alior Bank: Polish retail bank with consumer lending products competing for the same borrower base as SuperGrosz; relevant comparator for APRC positioning and the 7.77% promo benchmark against bank credits.

Emerging players

• Iwoca: European online SMB financing platform providing fast working capital and invoice financing to SMEs; directly comparable to AIQLABS's Finces online factoring product in business model and instant-decisioning approach.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInpl.linkedin.com/company/aiqlabs

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 AIQlabs