What Vauraus does

Vauraus Suomi Oyj is a Finnish-licensed crowdfunding and payment service provider, founded in 2011 and headquartered in Helsinki with a secondary office in Turku. The company operates a two-sided digital marketplace that matches Finnish small and medium-sized enterprises seeking growth and working capital with retail and institutional investors seeking yield on SME loans. Its regulated status under Finanssivalvonta, acquired in 2023, supports both the crowdfunding service provider activity and a payment institution license, with operations conducted through wholly-owned subsidiaries including Vauraus Origination Oy and Vauraus Rahoitus SPV 1 Oy.

The platform offers two core financing products: Yrityslaina (business loans ranging from €100,000 to €5,000,000 with 6-month to 5-year terms and fixed monthly installments) and Laskurahoitus (invoice financing where Vauraus purchases 100% of invoice face value minus a negotiated commission, assuming the credit risk). Revenue is generated through a multi-stream model: one-time origination and arrangement fees on borrower loans, a 1% per annum investor management fee on outstanding principal and interest, a 1–2% investor subscription commission, ongoing borrower servicing fees, loan modification fees, and a 50% share of a 10% late-payment penalty. Supporting infrastructure includes Paytrail Oyj for payment processing, Asiakastieto Oy for credit scoring, Intrum Oy for collections, and Exaloan AG (Loansweeper) for AI-based credit risk analytics under a 2026 partnership.

Vauraus has facilitated over €350 million in financing to more than 1,000 Finnish SMEs since inception, paid over €40 million in interest to investors, and returned over €190 million in capital to investors. In 2025–2026 the company has expanded through a strategic partnership with Saldo Bank, an international structured financing arrangement with Exaloan and Chartered Investment to scale invoice financing, a leadership transition to CEO Mari Lymysalo, and a subscription rights issue to fund growth, alongside a website redesign to improve user experience for both SME borrowers and retail investors.

Name

Vauraus

Legal name

Vauraus Suomi Oyj

Website

https://vauraus.fi

Company type

Private

Founded year

2011

Operating status

Operating

Headcount range

101–250 employees

Short description

Vauraus Suomi Oyj is a Finnish-licensed crowdfunding platform founded in 2011 that connects SMEs seeking business loans (€100K–€5M) and invoice financing with retail and institutional investors, having facilitated over €350M across 1,000+ Finnish companies.

Ownership category

akta.pro rank

Headquarters

HQ city

Helsinki

HQ country

Finland

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Loan Origination and Arrangement Fees: Vauraus charges borrowers origination and arrangement fees for business loans facilitated through the platform. The fees are deducted from the loan amount upon disbursement.
2. Subscription/Management Fees from Investors: Investors pay a 1% p.a. management fee calculated on the original loan principal and interest for the entire loan period. This is deducted from each repayment installment before transfer to the investor's account.
3. Subscription Fees from Borrowers: Borrowers pay ongoing administration and management fees for loan servicing throughout the loan lifecycle.
4. Late Payment Penalties: A 10% penalty on overdue installments is charged when borrowers fail to pay by the 7th day after the due date. Vauraus retains 50% of collected penalties and distributes 50% to investors.
5. Loan Modification Fees: Separate service fees are charged for changes to the loan payment schedule.
6. Investment Entry Fees (Subscription Commission): Investors pay a 1% subscription commission for investments in loans up to 12 months, and 2% for loans exceeding 12 months. These apply also to automatic reinvestment (Tuotto+) services.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels4 records

Core offering

Vauraus is a Finnish regulated crowdfunding and payment services provider that operates a peer-to-peer marketplace connecting SME borrowers seeking financing with retail and institutional investors seeking yield. The platform facilitates business loans ranging from EUR 100,000 to EUR 5,000,000 with 6-month to 5-year terms, and invoice financing that converts receivables into immediate working capital. For investors, it offers risk-classified loan investments (Yrityslaina Plus with collateral, Yrityslaina, and Special Risk) along with automated reinvestment (Tuotto+) and individualized portfolio management services.

Product overview

Vauraus is a Finnish peer-to-peer crowdfunding platform that operates as a marketplace connecting SME borrowers with individual and institutional investors. The platform offers two core financing products: Yrityslaina (business loans from EUR 100,000 to EUR 5,000,000 with 6-month to 5-year terms) and Laskurahoitus (invoice financing converting receivables to working capital). For investors, the platform provides access to business loans through individual portfolio management (Yksilöllinen lainasalkunhoito) with automated diversification and the Tuotto+ reinvestment service. Supporting tools include loan and investment calculators and a loss tolerance calculator for regulatory compliance.

Differentiator

Problem solved

Functional benefit

Products and services

• Yrityslaina (Business Loan) Business financing product providing loans ranging from EUR 100,000 to EUR 5,000,000 for investments, working capital, acquisitions, succession, refinancing, internationalization, and growth, with repayment terms from 6 months to 5 years and fixed monthly installments. Each borrower receives a dedicated named financing specialist throughout the process.
• Laskurahoitus (Invoice Financing) Invoice financing service enabling businesses to convert sales receivables into immediate working capital by selling invoices to Vauraus, which funds 100% of the invoice amount minus a negotiated commission fee. Credit loss risk transfers to Vauraus.
• Tuotto+ Automated Reinvestment Service Automated investment service for investors that continuously reinvests returned principal and interest into new qualifying loans based on investor-defined criteria, enabling compound interest accumulation and passive portfolio growth.
• Yksilöllinen lainasalkunhoito (Individual Loan Portfolio Management) Personalized loan portfolio management service for investors allowing them to set criteria including preferred investment area, allocation percentage, loan term, minimum credit rating, and minimum interest rate, with automated diversification across qualifying loan projects.

Quantifiable outcome

• Over 350 million EUR in financing facilitated to Finnish SMEs
• +3 more outcomes

Named customers8 records

Segments3 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Four partnerships are on record, tiered core.

• Saldo BankcoreStrategic or Co-development Partner · 1 June 2025Strategic partnership between Vauraus and Saldo Bank to expand financing opportunities for small and medium enterprises. The collaboration combines the strengths of both organizations to offer more accessible and efficient financing solutions for SMEs. Additional details to be published in fall.
• Paytrail OyjcoreTechnology or IntegrationPaytrail Oyj (y-tunnus 2122839-7) acts as the payment service provider implementing payment transfers and as a payment service provider in cooperation with Finnish banks and credit institutions. Paytrail appears as the payment recipient on investor account statements and forwards payments to Vauraus's client funds account. Paytrail holds a payment institution license.
• Intrum OycoreImplementation/ SI/ Consulting PartnerIntrum Oy handles debt collection for unpaid loans. When borrowers fail to respond to contact attempts or a reasonable payment schedule cannot be agreed upon, loans are transferred to Intrum for collection proceedings.
• Asiakastieto OycoreTechnology or IntegrationFinnish credit information company providing enterprise risk scoring and creditworthiness data. Vauraus uses Asiakastieto's risk scoring service as background information in loan assessment. Risk scores in the range 1-350 indicate Yrityslaina and Yrityslaina Plus categories; scores of 351 or higher classify loans as Special Risk.

Scale indicators5 records

Recent moves7 records

Expansion highlights6 records

Direct peers

• Linked Finance: Irish P2P lending platform focused on SME business loans. Linked Finance mirrors Vauraus's SME-focused marketplace model, connecting SMEs with investors and offering portfolio management tools.
• iwoca: UK/German SME lending platform providing short-term working capital and growth loans to small businesses. iwoca serves a comparable SME borrower segment with similar speed-of-decision and flexibility value propositions.
• Stenn International: Global invoice and trade finance platform serving SMEs and mid-market companies. Stenn is directly comparable to Vauraus's Laskurahoitus invoice financing product, focusing on receivables-backed funding for cross-border SMEs.
• ThinCats: UK P2P lending platform providing secured and unsecured loans to established SMEs. ThinCats is directly comparable on its SME focus, regulated platform structure, and investor portfolio diversification tools.
• October: French/European P2P lending platform specializing in SME business loans. October operates a similar regulated two-sided platform structure, originating SME loans and distributing them to retail and institutional investors.
• Fellow Finance: Finnish P2P lending platform offering business loans and consumer loans to investors. Fellow Finance is the closest geographic and product peer to Vauraus, operating a regulated two-sided marketplace in the same Finnish SME financing niche.
• Krexi: Austrian invoice financing platform offering SMEs early payment against receivables. Krexi is directly comparable to Vauraus's invoice financing arm, providing working capital by purchasing SME invoices.
• Bondora: Estonian-headquartered European P2P lending platform offering consumer and SME loan investments. Bondora is a comparable cross-border retail-facing lending marketplace, providing investors with similar risk-graded loan portfolios.

Broad incumbents

• Younited Credit: French/European consumer and SME lending platform with institutional investor distribution. Younited overlaps with Vauraus's marketplace model for distributing credit to retail and institutional investors across multiple European countries.
• Funding Circle: UK-founded global P2P/SME lending platform with institutional scale. Funding Circle is the broadest incumbent in the SME P2P lending space, operating across multiple European markets with a similar originator-to-investor marketplace model.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/vauraus
• Facebookfacebook.com/vauraus
• LinkedInlinkedin.com/company/vauraus

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Subsidiaries3 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments1 record

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Vauraus