Enklare
Enklare, operated by E2E Group AB, is a Swedish loan comparison platform that lets consumers apply once to receive offers from 40 partner banks and lenders via a single credit check, with the service free to users and monetized through lender commissions and insurance distribution.
- Company typePrivate
- Founded2014
- HeadquartersStockholm, Sweden
- Headcount101–250
- GTM typeB2C
- OfferingServices
What Enklare does
Enklare is a Swedish consumer loan comparison and brokerage platform operated by E2E Group AB (org.nr 556975-4814), founded in 2014 and headquartered at Vasagatan 7, Stockholm. The platform aggregates offerings from 40 partner banks and lenders across Sweden, enabling individual consumers to submit a single application that triggers one credit check via UC (Upplysningscentralen) and receive multiple personalized loan offers for personal loans, car loans, debt consolidation, and unsecured loans in amounts ranging from 5,000 to 800,000 SEK at interest rates between 4.50% and 22.00%. The platform is built on automated lender-matching technology with BankID-based digital identity verification and signing, and is supplemented by a suite of financial calculators, a savings account comparison module, a financial glossary, an educational blog, and a free personal loan advisory booking service. Since 2018, the company has also held permits to distribute insurance products (accident, health, and security insurance) under E2E Group AB's Finansinspektionen license.
The business operates a free-to-consumer, commission-based revenue model, earning affiliate referral fees from lenders and insurance providers when customers are successfully matched and funded. GTM is product-led and digital-first, with self-serve online application flows completed in approximately 2 minutes, supported by a phone-based customer service and advisory team. Customer acquisition is driven primarily by content marketing, SEO, and brand trust signals, anchored by a 4.7/5 Trustpilot rating across 9,582 reviews. The company's value proposition rests on a regulatory license (Lag 2014:275 for consumer credit broking, Lag 2018:1219 for insurance distribution), broad lender coverage, and the single-credit-check convenience that protects the consumer's credit score while maximizing offer selection. Enklare is a domestic Swedish operation with no disclosed international expansion, and the broader E2E Group also operates the Entra brand alongside Enklare.
Enklare firmographics
Firmographics- Name
- Enklare
- Legal name
- E2E Group AB
- Website
- https://enklare.se
- Company type
- Private
- Founded year
- 2014
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- Enklare, operated by E2E Group AB, is a Swedish loan comparison platform that lets consumers apply once to receive offers from 40 partner banks and lenders via a single credit check, with the service free to users and monetized through lender commissions and insurance distribution.
- Ownership category
- akta.pro rank
Enklare industry classification
Industry- Product category
- Loan Comparison & Brokerage
- NAICS
- Mortgage and Nonmortgage Loan Brokers (52231), Agencies, Brokerages, and Other Insurance Related Activities (5242)
- SIC
- Loan Brokers (6163), Insurance Agents, Brokers & Service (6411)
- akta.pro industry
- Personal Loan & Unsecured Credit IntermediationFinancial & Insurance/Financial Advisory, Brokerage & Intermediation/Mortgage Brokerage & Loan IntermediationInsurtech-Enabled Brokerage (Digital Brokers & Aggregators)Financial & Insurance/Financial Advisory, Brokerage & Intermediation/Insurance Brokerage & Risk Advisory
Keywords
Where Enklare is headquartered
LocationHeadquarters
- HQ city
- Stockholm
- HQ country
- Sweden
- HQ region
- Europe
Offices1 record
Markets served
Enklare business model
Business model- GTM type
- B2C
- Offering type
- Services
Revenue model
- Commission from Lenders: Enklare earns commission/referral fees from lenders when customers successfully obtain loans through the platform. This is the primary revenue stream for the free-to-consumer service.
- Insurance Distribution: E2E Group AB holds permits for insurance distribution under Lag (2018:1219) about insurance distribution, generating additional revenue from insurance product referrals.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Freemium | Pay-as-you-go | Free loan comparison service for consumers |
Go-to-market motion3 records
Distribution channels3 records
Marketing channels4 records
Enklare product offering
Product offeringCore offering
Enklare operates a digital loan brokerage platform that lets Swedish consumers submit a single application and instantly receive loan offers from up to 40 partner banks and lenders using one credit check (UC). The free-to-consumer service focuses on personal loans, car loans, debt consolidation, and unsecured loans, with supplementary personal loan advisory and insurance distribution services offered by parent E2E Group AB.
Product overview
Enklare operates as a loan brokerage platform that aggregates offerings from up to 40 partner banks and lenders, allowing consumers to compare and apply for various loan products through a single application with one credit check. The core platform is supplemented by financial calculator tools (loan calculator, savings account calculator, compound interest calculator, KALP calculator) and advisory services (personal loan consultation booking). The product portfolio includes personal loans (privatlån), car loans (billån), debt consolidation (samla lån), unsecured loans (blancolån), insurance products, and educational content through a financial blog and glossary. The platform's main differentiator is enabling comparison across multiple lenders with a single UC credit inquiry, and it is operated by E2E Group AB, a company licensed by the Swedish Financial Supervisory Authority since 2014.
Differentiator
Problem solved
Functional benefit
Products and services
- Enklare Loan Comparison & Brokerage Platform Digital platform enabling Swedish consumers to submit a single loan application that is matched and compared against offers from up to 40 partner banks and lenders, using a single UC credit inquiry. Covers personal loans, debt consolidation, car loans, and unsecured loans ranging from 5,000 SEK to 800,000 SEK, with interest rates between 4.50% and 22.00% and repayment terms of 1–20 years.
- Personal Loan Advisory Service Free consultation and advisory service for customers seeking personalized guidance on loan applications, debt consolidation, refinancing, or rate reduction. Customers can book scheduled meetings with experienced loan advisors by phone.
- Insurance Distribution Distribution of insurance products including accident insurance, health insurance, and security/peace-of-mind insurance offered through Enklare's platform, operated by E2E Group AB under its insurance distribution permit.
Quantifiable outcome
- Compare up to 40 lenders with single credit application
- +2 more outcomes
Companies that use Enklare
Customer profileNamed customers1 record
Segments3 records
Enklare technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature3 records
Enklare partnerships and signals
Strategic signalPartnerships
33 partnerships are on record, tiered core and minor.
- ICA BankencoreSwedish bank partner offering consumer lending products through Enklare's comparison platform. Part of 40-lender network.
- Resurs BankcoreSwedish bank providing consumer credit products through the Enklare platform. One of 40 partner lenders.
- NordaxcoreSwedish digital bank partner in the lender network. Specializes in consumer lending products.
- SantandercoreInternational banking group with Swedish consumer lending operations, partner through Enklare platform.
- Bank Norwegian (NOBA Bank Group)coreDigital bank providing consumer loans through the comparison platform. Branch of NOBA Bank Group.
- Svea EkonomicoreSwedish financial services company offering lending products through Enklare's network.
- Komplett BankcoreNorwegian-based bank operating in Sweden with consumer loan products available via Enklare.
- Ikano BankcoreBanking subsidiary of Ikano Group providing consumer credit products through the platform.
- Collector BankcoreSwedish specialty lender providing consumer and business credit solutions via partnership.
- FerratumminorInternational fintech lender offering short-term and consumer loans through the platform.
- LunarminorDanish digital bank operating in Sweden, providing lending products through the network.
- TFBankminorNordic bank offering consumer loans and credit cards via the comparison platform.
- CoopminorSwedish cooperative retail group with banking services through the lender network.
- Marginalen BankminorSwedish bank focused on consumer lending and insurance products via the platform.
- NorthmillminorSwedish fintech company offering personal loans and credit solutions.
- SpendwiseminorSwedish consumer lender specializing in personal loans through the network.
- re:memberminorCredit card and loan provider from Norwegian banking group via the platform.
- Lea BankminorNorwegian digital bank providing consumer loans to Swedish customers via partnership.
- Facit BankminorSwedish bank offering personal loans through the comparison service.
- BroccminorSwedish digital lender providing personal loan products via the platform.
- LF FinansminorSwedish financing company offering consumer credit through the network.
- TryggkreditminorSwedish credit company providing loan products via the platform.
- GoodcashminorSwedish fintech lender offering personal loans through the comparison network.
- BrixominorSwedish consumer lending fintech providing products via partnership.
- LoanstepminorSwedish loan provider offering personal credit solutions through the platform.
- Lån & Spar BankminorDanish mutual bank operating in Sweden with consumer lending products.
- MoankminorSwedish digital bank offering vehicle and consumer financing.
- EquilominorSwedish consumer lender providing loan products via the network.
- Plus1minorSwedish lending platform offering personal credit solutions.
- THORN Privat FinansminorSwedish pawn loan and consumer finance company providing secured and unsecured loans.
- PantlånminorSwedish pawn loan provider offering secured lending products.
- Saldo BankminorDigital bank providing consumer lending and banking services via partnership.
- BankyminorSwedish digital bank partner offering consumer loan products.
Scale indicators6 records
Recent moves5 records
Expansion highlights4 records
Enklare competitors and assessment
Company assessmentDirect peers
- Sambla: Sambla is Sweden's largest loan broker, offering personal loan comparison across multiple lenders for Swedish consumers with affiliate-referral economics—the same core business model as Enklare, and the most direct head-to-head competitor in the domestic market.
- Lendo: Lendo is a Swedish consumer loan comparison broker owned by Sambla Group, offering a multi-lender loan application experience with a single credit check—functionally equivalent to Enklare's value proposition.
- Compricer: Compricer is a Swedish comparison platform (owned by Klarna) covering loans, insurance, and other financial products with a single-application model—directly comparable to Enklare, especially on the insurance distribution dimension.
- Zmarta: Zmarta is a Nordic comparison service for personal loans, refinancing, and insurance active in Sweden—competing for the same Swedish personal loan customers with a similar multi-lender, single-application model.
Emerging players
- Insurello: Insurello is a Swedish insurtech broker helping consumers compare and switch insurance products, operating under the same Finansinspektionen regulatory regime and addressing Enklare's insurance distribution growth vector.
- Advisa: Advisa is a smaller Swedish loan broker and comparison service targeting personal loans and refinancing, going after the same horizontal consumer segment with a more niche operational footprint.
Broad incumbents
- Söderberg & Partners: Söderberg & Partners is a major Nordic insurance and financial advisory group with brokerage and intermediation activities in Sweden—an incumbent that competes for the broader financial-services wallet Enklare is seeking to expand into.
- Klarna: Klarna is a leading Swedish fintech that, through its ownership of Compricer, competes directly in the loan-comparison category in Sweden and has the scale to extend further—representing the broadest incumbent offering overlapping with Enklare's proposition.
Others
- ICA Banken: ICA Banken is a Swedish consumer lender and one of Enklare's 40 partner lenders—they compete as a direct origination channel for personal loans and represent both a partner and an indirect competitor.
- Nordax (NOBA Bank Group): Nordax is a Swedish digital bank specializing in consumer lending and a core partner on Enklare's network—they also operate their own direct origination, making them simultaneously a distribution channel and an adjacent competitor.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights7 records
Customer concentration
Enklare social profiles
Digital presenceEnklare compliance and trust
Trust signalCompliance1 record
Enklare financial estimates
Financial estimateRevenue estimate
Valuation estimate
Enklare leadership team
Management profileNumber of profiles
Enklare funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Enklare 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 Enklare
What does Enklare do?
Enklare operates a digital loan brokerage platform that lets Swedish consumers submit a single application and instantly receive loan offers from up to 40 partner banks and lenders using one credit check (UC). The free-to-consumer service focuses on personal loans, car loans, debt consolidation, and unsecured loans, with supplementary personal loan advisory and insurance distribution services offered by parent E2E Group AB.
Is Enklare a public or private company?
Enklare is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Enklare founded?
Enklare was founded in 2014. It employs 101 to 250 people.
Where is Enklare based?
Enklare is headquartered in Stockholm, Sweden, in the Europe region.
How does Enklare make money?
Two revenue lines are on record. Commission from Lenders are the primary driver. The others are insurance Distribution.
Who are Enklare's main competitors?
Direct peers on record are Sambla, Lendo, Compricer and Zmarta. Emerging players are Insurello and Advisa. Broad incumbents are Söderberg & Partners and Klarna. Others are ICA Banken and Nordax (NOBA Bank Group).
Does Enklare have an API?
No public API is recorded for Enklare.
What industry is Enklare in?
Enklare's product category is Loan Comparison & Brokerage. Its primary akta.pro industry code is FSAEAEAM, Personal Loan & Unsecured Credit Intermediation, with a secondary code of FSAEADAN, Insurtech-Enabled Brokerage (Digital Brokers & Aggregators). Its NAICS code is 52231 and its SIC code is 6163.