RFL

Name

RFL

Legal name

Look Pożyczka Spółka z ograniczoną odpowiedzialnością

Website

https://rfl.com.pl

Company type

Private

Founded year

2011

Operating status

Operating

Headcount range

1–10 employees

Ownership category

akta.pro rank

Product category

Peer-to-Peer Lending

NAICS

Credit Intermediation and Related Activities (522), Mortgage and Nonmortgage Loan Brokers (522310)

SIC

Personal Credit Institutions (6141), Services-Consumer Credit Reporting, Collection Agencies (7320)

akta.pro primary industry

Consumer P2P Personal Loans (Unsecured) (FSAKAHAA)

akta.pro secondary industries

Third-Party Collection Agencies (Consumer) (FSAKAJAB), Debt Buying & Portfolio Acquisition (Charged-Off Receivables) (FSAKAJAC)

Keywords

• Peer-to-peer lending
• Loan investment platform
• Debt receivables trading
• Consumer loan services
• Alternative investment platform

Headquarters

HQ city

Czestochowa

HQ country

Poland

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Debt assignment transactions: Investors purchase debt receivables (assignment of debt agreements) from Look Pożyczka, acquiring proprietary rights to loans. The company earns from the spread between loan interest rates and investor returns, plus the 3% reduction in expected profit when investors opt into the Return of Capital Program.
2. Loan servicing and debt collection: Look Pożyczka provides loan servicing including payment collection, borrower verification, and debt recovery. Field agents verify credit capacity, collect installments, and conduct recovery operations.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels6 records

Core offering

RFL operates a peer-to-peer lending investment marketplace that connects individual investors with borrowers through debt assignment agreements. Investors purchase loan receivables originated and serviced by Look Pożyczka's in-house field agent network, who verify borrower creditworthiness using BIG and BIK databases, collect installments, and perform debt recovery. Investors can monitor their investments in real time via a mobile application and optionally add a Return of Capital Program (RCP) protection that guarantees capital return within 90 days if a borrower becomes insolvent.

Product overview

RFL operates as a unified loan investment platform consisting of a web-based core platform (RFL Platform) for purchasing and managing loan receivables, paired with a mobile application for real-time investment monitoring. The platform offers two supplementary modules: the Return of Capital Program (RCP) as optional capital protection against borrower insolvency, and a Partnership Program enabling referral-based commissions. The platform connects investors with Look Pożyczka's field agent network for loan verification, collection, and debt recovery services.

Differentiator

Problem solved

Functional benefit

Products and services

• RFL Web Investment Platform Self-serve web platform enabling individual investors to register, complete identity verification (1 PLN bank transfer), browse available loan receivables, purchase debt assignment agreements, and manage investments online. Operated by Look Pożyczka sp. z o.o.
• RFL Mobile Application Android application (pl.micoder.rfl) providing real-time loan servicing monitoring, installment tracking, consultant visit notifications, and GPS-based field agent location tracking for individual investors.
• Return of Capital Program (RCP) Optional capital protection program that returns outstanding invested capital within 90 days if the borrower becomes insolvent. Opting into RCP reduces the expected investor profit by 3%. Loans covered are marked with an umbrella symbol on the platform.

Quantifiable outcome

• 97.87% repayment rate - one of the industry's highest
• +2 more outcomes

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

One partnership is on record.

• Kancelaria Janik (Law firm)minorImplementation/ SI/ Consulting PartnerExternal law firm partnership for legal debt collection services. When standard debt collection efforts fail within 90 days, investors can opt to use the services of the cooperating law firm to pursue claims through legal proceedings.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• PeerBerry: European P2P lending platform backed by Aventus Group, primarily active in CEE markets. Comparable as a marketplace offering consumer loan receivables to retail investors with buyback/guarantee mechanisms similar in spirit to RFL's RCP.
• Twino: Latvia-based European P2P lending platform focused on consumer loans across CEE/EU. Closely comparable business model — originating and servicing consumer credit, then offering receivables to retail investors via a self-serve platform.
• Lendermarket: Ireland-based P2P lending platform operated by Debitum Network. Comparable as a retail-investor-facing platform offering consumer and SME loan receivables with optional buyback guarantees.
• Bondora: Estonia-headquartered European consumer P2P lending platform. Comparable as a cross-border retail investor platform purchasing and servicing unsecured personal loan portfolios, with similar investor yield/return-of-capital product positioning.
• Zopa: UK-based pioneer of consumer peer-to-peer lending. Directly comparable as a retail-facing P2P platform connecting individual investors with vetted personal loan borrowers, with similar marketplace mechanics and investor-yield orientation.

Broad incumbents

• Wonga: UK-headquartered online consumer lender with historical operations in Poland. Comparable as a digital consumer credit platform, although now repositioned as a broader personal finance provider rather than a pure P2P marketplace.
• Funding Circle: UK-listed SMB P2P lending platform. Comparable as a European incumbent in marketplace lending with similar investor-receivables model, though focused on SMB rather than consumer credit.
• Provident (Home Credit): Major Central/Eastern European consumer lender with strong field-agent distribution. Comparable as a much larger incumbent in Polish consumer credit with analogous in-person verification and field-collection capabilities that RFL's model mirrors.
• LendingClub: US-listed pioneer of consumer P2P lending, now operating as a digital bank. Comparable as a much larger incumbent in the same underlying consumer-P2P-credit category RFL operates in, providing a benchmark for category economics.

Regional players

• Kancelaria Prawna Invicta (collection services): Polish consumer debt collection and recovery firm. Comparable as a Poland-only participant in the consumer credit recovery value chain that RFL's field-agent servicing network effectively performs in-house.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks7 records

Key highlights7 records

Customer concentration

• Xx.com/rfl_com_pl
• Facebookfacebook.com/RFLCOMPL
• Instagraminstagram.com/rfl.com.pl

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

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 RFL