RFL
- Company typePrivate
- Founded2011
- HeadquartersCzestochowa, Poland
- Headcount1–10
- GTM typeB2C
- OfferingServices
RFL firmographics
Firmographics- 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
RFL industry classification
Industry- 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
Where RFL is headquartered
LocationHeadquarters
- HQ city
- Czestochowa
- HQ country
- Poland
- HQ region
- Europe
Offices1 record
Markets served
RFL business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure
Revenue model
- 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.
- 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
| Model | Billing | Price |
|---|---|---|
| Freemium | Pay-as-you-go | Platform access is free for investors |
| Outcome Based/ Performance | Pay-as-you-go | Return of Capital Program (PZK) - 3% profit reduction |
| Transaction based/ take rate | One time/ perpetual license | Civil law transaction tax (PCC) - 1% of loan value |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels6 records
RFL product offering
Product offeringCore 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
Companies that use RFL
Customer profileSegments3 records
Ideal customer profiles3 records
RFL technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature3 records
RFL partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- Kancelaria Janik (Law firm)minorExternal 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
RFL competitors and assessment
Company assessmentDirect 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
RFL social profiles
Digital presenceRFL compliance and trust
Trust signalCompliance3 records
RFL financial estimates
Financial estimateRevenue estimate
Valuation estimate
RFL leadership team
Management profileNumber of profiles
RFL funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
RFL 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 RFL
What does RFL do?
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.
Is RFL a public or private company?
RFL is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was RFL founded?
RFL was founded in 2011. It employs 1 to 10 people.
Where is RFL based?
RFL is headquartered in Czestochowa, Poland, in the Europe region.
How does RFL make money?
Two revenue lines are on record. Debt assignment transactions are the primary driver. The others are loan servicing and debt collection.
Who are RFL's main competitors?
Direct peers on record are PeerBerry, Twino, Lendermarket, Bondora and Zopa. Broad incumbents are Wonga, Funding Circle, Provident (Home Credit) and LendingClub. Kancelaria Prawna Invicta (collection services) is listed as a regional player.
Does RFL have an API?
No public API is recorded for RFL.
What industry is RFL in?
RFL's product category is Peer-to-Peer Lending. Its primary akta.pro industry code is FSAKAHAA, Consumer P2P Personal Loans (Unsecured), with a secondary code of FSAKAJAB, Third-Party Collection Agencies (Consumer). Its NAICS code is 522 and its SIC code is 6141.