Fintech Market
Fintech Market is an Estonian B2B SaaS company providing a no-code, all-in-one loan management platform with credit decisioning for banks, neobanks, fintech lenders, and alternative lenders across four continents.
- Company typePrivate
- Founded2018
- HeadquartersTartu, Estonia
- Headcount11–50
- GTM typeB2B
- OfferingSoftware
What Fintech Market does
Fintech Market (legal entity: Fintech Market OÜ) is an Estonian B2B SaaS company founded in 2018 that provides an all-in-one no-code loan management platform for financial institutions. The company is headquartered in Tallinn with an additional office in Tartu, Estonia, and operates with a headcount of 11-50 employees. Its core platform comprises the FTM Core System (covering CRM, loan origination, debt management, payment processing, and compliance workflows) and the FTM Decision Engine (an add-on module for automated credit decisioning using configurable scoring models).
The platform is built on a modular, visual workflow architecture that allows financial institutions to configure and deploy lending products — including consumer loans, SME loans, credit lines, BNPL, car leasing, deposits, e-wallets, factoring, and mortgages — without development resources. The system supports multi-currency and multi-country operations with localized regulatory compliance, and offers over 100 pre-built integrations with credit bureaus, payment gateways, KYC providers, communication services, card issuers, and debt collection agencies. The company also operates the FTM Catapult accelerator program, which provides startups with platform access in exchange for equity.
Fintech Market generates revenue primarily through enterprise SaaS subscriptions with custom quote-based pricing and multi-year contracts, targeting banks, neobanks, fintech lenders, P2P platforms, BNPL providers, car leasing companies, and alternative lenders across the EU, Mexico, Indonesia, and additional markets on four continents. The platform reportedly processes over 10 million customers monthly. The company is privately held and bootstrapped with no disclosed venture capital funding rounds.
Fintech Market firmographics
Firmographics- Name
- Fintech Market
- Legal name
- Fintech Market OÜ
- Website
- https://fintech-market.com
- Company type
- Private
- Founded year
- 2018
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Fintech Market is an Estonian B2B SaaS company providing a no-code, all-in-one loan management platform with credit decisioning for banks, neobanks, fintech lenders, and alternative lenders across four continents.
- Ownership category
- akta.pro rank
Fintech Market industry classification
Industry- Product category
- Loan Management Software
- NAICS
- Activities Related to Credit Intermediation (5223), Credit Intermediation and Related Activities (522)
- SIC
- Loan Brokers (6163), Finance Services (6199)
- akta.pro primary industry
- Underwriting Automation & Income/Employment Verification (FSAGAHAD)
- akta.pro secondary industries
- Alternative Data & Credit Scoring (Cashflow, Telco, Utility, Open Banking) (FSAGAHAC), Pricing, Risk-Based Offer & Limit Management (FSAGAHAE), Embedded Lending & Credit (POS, Working Capital, Credit Lines) (FSAGALAD)
Keywords
Where Fintech Market is headquartered
LocationHeadquarters
- HQ city
- Tartu
- HQ country
- Estonia
- HQ region
- Europe
Offices2 records
Markets served
Fintech Market business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Marketing or Sales, Operations, Infrastructure
Revenue model
- SaaS Platform Subscription: Subscription-based SaaS model where financial institutions pay for access to the loan management platform. The platform covers loans, deposits, current accounts, and investments with CRM, KYC, risk management, and debt management functionalities. Pricing likely varies by institution size and product modules.
- Catapult Accelerator Program: Startups acquire fully functional platform access by offering equity in their company, with calculated percentage and agreed buyout clauses. Creates potential long-term revenue relationship as startups scale.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Multi-year contract | Enterprise SaaS subscription with custom pricing based on institution requirements |
Go-to-market motion3 records
Distribution channels3 records
Marketing channels5 records
Fintech Market product offering
Product offeringCore offering
Fintech Market provides a cloud-based no-code SaaS loan management system that enables financial institutions to configure, launch, and operate lending and deposit products across the full lifecycle from customer onboarding and underwriting through servicing, debt management, and collections. The platform combines CRM, loan origination, automated credit decisioning, payment processing, and compliance workflows with over 100 pre-built third-party integrations, targeting banks, fintech lenders, neobanks, car leasing companies, and BNPL providers globally.
Product overview
Fintech Market (FTM) offers an all-in-one loan management SaaS platform built around two core products: the FTM Core System (the central lending management platform) and the FTM Decision Engine (an add-on credit decisioning module). These are complemented by multiple solution-specific products covering Consumer Lending, SME Lending, Credit Line, Purchase Financing (including BNPL), Car Leasing, Deposits, E-Wallet, Factoring, and Mortgage. The platform is designed as a no-code solution allowing financial institutions to configure products, workflows, and integrations without development resources. Additionally, FTM Catapult is an accelerator program that provides startups access to the platform in exchange for equity. The platform serves neobanks, SME lenders, car leasing companies, and BNPL providers across the EU, Mexico, and Indonesia.
Differentiator
Problem solved
Functional benefit
Products and services
- FTM Core System The central lending management platform providing end-to-end infrastructure for loan origination, servicing, and portfolio management, including configurable workflows, product setup, payment processing, debt management, multi-channel communication, and reporting for financial institutions.
- FTM Decision Engine An add-on credit decisioning module that enables automated underwriting and risk evaluation using configurable scoring models and decision scenarios, providing real-time risk profiling to assist lenders in making informed lending decisions.
- Consumer Lending Solution A lending solution enabling financial institutions to offer small-scale loans and financial products to individuals and businesses lacking access to traditional banking services, featuring streamlined loan origination and servicing workflows.
- SME Lending Solution A solution for managing and issuing loans to Small and Medium Enterprises, streamlining loan applications, origination, servicing, payments, and reporting through an integrated credit decision-making engine.
- Credit Line Solution A solution for setting up operations and offering credit lines and revolving credit products with flexible configuration options, targeted at neobanks and digital lenders.
- Purchase Financing Solution A solution for offering purchase financing with flexible payments and BNPL capabilities, ensuring regulatory compliance while enabling embedded lending at checkout.
- Car Leasing Solution A SaaS leasing system for car dealerships and leasing companies to execute vehicle rent or lease products, with customizable tools for lease product setup, fleet management, pricing, and risk evaluation.
- Deposits Solution A deposit management tool with customizable terms, interest rates, and streamlined payment processing for financial institutions managing savings accounts and term deposits.
- E-Wallet Solution A secured and personalized e-wallet software with multi-currency support, compliance features, and analytics capabilities for digital payment management.
- Factoring Software A factoring solution enabling businesses to offer accounts receivable financing using Fintech Market's secure and customizable SaaS platform.
- Mortgage Software A mortgage loan management solution allowing configuration of various mortgage products with fixed or adjustable values for amounts, interest rates, terms, and rules for managing penalties and grace periods.
- FTM Catapult Accelerator Program An accelerator program where fintech startups acquire a fully functional lending platform by offering equity in their company, with access to seed and Series A funding networks and specialists in product development, regulatory compliance, banking, and infrastructure.
Quantifiable outcome
- Digital lending transformation reduces cost per origination by 30-40%
- +1 more outcomes
Companies that use Fintech Market
Customer profileNamed customers3 records
Segments8 records
Ideal customer profiles5 records
Fintech Market technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration14 records
AI capability5 records
Feature6 records
Fintech Market partnerships and signals
Strategic signalPartnerships
Three partnerships are on record, tiered core.
- Creditinfo EstoniacoreStrategic partnership integrating Creditinfo Estonia's business and credit data services into Fintech Market's Decision Engine. Provides lenders in Estonia with direct access to reliable creditworthiness information within their existing credit risk workflows. The integration enables automated, consistent decisioning and reduces manual steps in the credit assessment process.
- IuvocorePartnership forming between Fintech Market and Iuvo P2P marketplace platform to streamline access to capital for lenders. Through Fintech Market's core system integration, lenders can seamlessly access Iuvo's pool of diverse loan originators. This collaboration simplifies access to additional capital and enables sustainable growth within the P2P lending market.
- AsiakastietocoreFinland's most esteemed business and credit information service provider. Strategic partnership announced October 2024 to integrate Asiakastieto's credit data services into the FTM platform for enhanced risk assessment capabilities.
Scale indicators5 records
Recent moves6 records
Expansion highlights5 records
Fintech Market competitors and assessment
Company assessmentBroad incumbents
- Temenos: Temenos provides core banking and loan management software to banks worldwide — a broad incumbent whose lending and deposit modules overlap with FTM's product surface and that competes for tier-1 financial institution budgets.
- nCino: nCino is a publicly traded banking software provider offering loan origination, deposit account opening, and onboarding workflows for banks and credit unions — a much larger incumbent with broader portfolio but directly competing for the same lender buyer.
- Mambu: Mambu offers a composable core banking and lending SaaS platform serving neobanks and digital lenders with configurable loan and deposit products — an established, well-funded incumbent in the same neobank and embedded lending segment as FTM.
- Thought Machine: Thought Machine offers a cloud-native core banking platform used by global banks and neobanks for deposits, lending, and accounts — competing for the same enterprise neobank and challenger bank RFPs as FTM.
Direct peers
- TurnKey Lender: TurnKey Lender offers an end-to-end lending automation platform covering origination, underwriting, servicing, and collections for consumer, SME, and microfinance lenders — directly competing with FTM's Core + Decision Engine scope in similar B2B SaaS GTM.
- LoanPro: LoanPro provides cloud-based loan origination and servicing software with configurable workflows and APIs, targeting consumer and SMB lenders — overlapping directly with FTM's no-code loan management value proposition and integration-heavy architecture.
- Blend: Blend provides a consumer banking and lending platform covering mortgage, consumer, and SMB loan origination with configurable workflows and integrations — competing head-to-head with FTM for neobank and digital lender accounts.
Emerging players
- Decimal Technologies: Decimal Technologies provides digital lending and loan management platforms for banks and NBFCs with workflow automation and decisioning — a direct emerging competitor in the same SMB and consumer lending SaaS category.
- Pismo: Pismo provides cloud-native banking, payments, and accounts infrastructure serving digital banks and fintechs in Latin America and beyond — overlapping with FTM's deposits, e-wallet, and credit line capabilities for neobank customers.
Regional players
- Lendio: Lendio operates an SMB lending marketplace and supporting technology in North America — adjacent to FTM's SME lending module and competing for similar small-business borrower relationships, though primarily US-focused versus FTM's EU/emerging markets footprint.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights7 records
Customer concentration
Fintech Market social profiles
Digital presenceFintech Market financial estimates
Financial estimateRevenue estimate
Valuation estimate
Fintech Market leadership team
Management profileNumber of profiles
Fintech Market funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Fintech Market 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 Fintech Market
What does Fintech Market do?
Fintech Market provides a cloud-based no-code SaaS loan management system that enables financial institutions to configure, launch, and operate lending and deposit products across the full lifecycle from customer onboarding and underwriting through servicing, debt management, and collections. The platform combines CRM, loan origination, automated credit decisioning, payment processing, and compliance workflows with over 100 pre-built third-party integrations, targeting banks, fintech lenders, neobanks, car leasing companies, and BNPL providers globally.
Is Fintech Market a public or private company?
Fintech Market is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Fintech Market founded?
Fintech Market was founded in 2018. It employs 11 to 50 people.
Where is Fintech Market based?
Fintech Market is headquartered in Tartu, Estonia, in the Europe region.
How does Fintech Market make money?
Two revenue lines are on record. SaaS Platform Subscription is the primary driver. The others are catapult Accelerator Program.
Who are Fintech Market's main competitors?
Broad incumbents on record are Temenos, nCino, Mambu and Thought Machine. Direct peers are TurnKey Lender, LoanPro and Blend. Emerging players are Decimal Technologies and Pismo. Lendio is listed as a regional player.
Does Fintech Market have an API?
Yes. Fintech Market's platform supports REST API development and integration capabilities. The Core system includes 'outgoing requests' feature for making web requests to external systems for data retrieval, with configurable retry attempts, authentication, and result field extraction using JMESPath or JavaScript. The platform offers integrations with payment gateways, risk management providers, communication gateways, authentication services, and supports custom integrations. The platform also features 'data contribution' capabilities for submitting borrower data to credit bureaus. Documentation for developers references building REST APIs using open API standard.
What industry is Fintech Market in?
Fintech Market's product category is Loan Management Software. Its primary akta.pro industry code is FSAGAHAD, Underwriting Automation & Income/Employment Verification, with a secondary code of FSAGAHAC, Alternative Data & Credit Scoring (Cashflow, Telco, Utility, Open Banking). Its NAICS code is 5223 and its SIC code is 6163.