Bliq

What Bliq does

Bliq AB is a Swedish-regulated consumer lender headquartered in Stockholm that issues credit to Swedish consumers using Open Banking (PSD2) transaction data combined with credit bureau and identity verification services. Its core product is a digital lending platform that aggregates up-to-date financial data through PSD2 integrations, applies algorithmic analysis to payment history, declared income, and account behavior, and produces credit decisions intended to displace traditional conservative underwriting processes.\n\nUnder the hood, Bliq's technology stack relies on third-party infrastructure providers: Tink delivers account information services and behavioral analytics, Bisnode and UC provide credit bureau validation, and Instantor handles identity verification and credit application processing. The company has a dedicated Tech & Analytics office in Halmstad alongside its Stockholm headquarters (Drottninggatan 68), and operates under the supervision of the Swedish Financial Supervisory Authority (Finansinspektionen) with GDPR-compliant data practices. The platform is accessed directly by end consumers via bliq.tech.\n\nThe business model is centered on credit/lending services to Swedish consumers — interest and fee income from a Swedish loan book — framed as recurring subscription-style revenue. Distribution is product-led and digital-first (no disclosed enterprise sales motion). The company serves a single primary segment, consumers seeking credit in Sweden, and does not disclose enterprise or B2B API offerings. Marketing is limited to organic channels: the corporate website, a LinkedIn presence (the LinkedIn entity traces back to a prior brand, 'tryggkredit'), and post-sale email. The firm is private, has 11-50 employees, and has not disclosed institutional investors or funding rounds in the available source material, although a gated investor relations page and dedicated investor email suggest active capital-raising preparation.

Name

Bliq

Legal name

Bliq AB

Website

https://bliq.tech

Company type

Private

Founded year

2011

Operating status

Operating

Headcount range

11–50 employees

Short description

Bliq AB is a Sweden-regulated consumer lender that uses Open Banking (PSD2) and proprietary algorithms to automate credit decisions for Swedish consumers. It combines transaction data, credit bureau checks, and identity verification in a digital, self-serve lending platform headquartered in Stockholm.

Ownership category

akta.pro rank

Product category

Consumer Lending

NAICS

Nondepository Credit Intermediation (5222)

SIC

Personal Credit Institutions (6141)

akta.pro primary industry

Alternative Data & Credit Scoring (Cashflow, Telco, Utility, Open Banking) (FSAGAHAC)

Keywords

• Open banking lending
• Digital credit decisioning
• Consumer credit services
• PSD2 financial data
• Algorithmic credit assessment

Headquarters

HQ city

Stockholm

HQ country

Sweden

HQ region

Europe

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Credit/Lending Services: Bliq provides credit services to consumers, using Open Banking data for credit assessment and decisioning. The company is authorized under the Swedish Financial Supervisory Authority (Finansinspektionen) to operate as a lending company.

Go-to-market motion1 record

Distribution channels1 record

Marketing channels3 records

Core offering

Bliq operates an Open Banking/PSD2-based consumer lending platform that collects up-to-date financial data from applicants, applies proprietary algorithms to analyze creditworthiness, and produces digital credit decisions. The company is authorized and regulated by the Swedish Financial Supervisory Authority (Finansinspektionen) to operate as a lending company in Sweden, monetizing the offering via recurring credit services delivered through its digital platform.

Product overview

Bliq offers a unified Open Banking-based lending platform that integrates data collection via PSD2, algorithmic analysis, and credit decision-making into a single streamlined process. The platform enables financial institutions to transition from traditional conservative credit assessment methods to a modernized, data-driven approach to lending.

Differentiator

Problem solved

Functional benefit

Products and services

• Open Banking Lending Platform Digital, Open Banking-based consumer lending platform that collects up-to-date financial data via PSD2, runs proprietary credit decisioning algorithms, and issues reliable credit decisions to consumers in Sweden; available via a self-serve flow on bliq.tech.

Segments1 record

Ideal customer profiles1 record

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

AI capability3 records

Feature2 records

Partnerships

Four partnerships are on record, tiered core.

• InstantorcoreTechnology or IntegrationInstantor is used by Bliq for identity verification and credit application processing. They provide services to both identify customers and process credit applications.
• TinkcoreTechnology or IntegrationTink provides account information services that Bliq uses to perform credit assessments. Bliq obtains information about previous account behaviors including external payments and other public register information such as declared income. Tink is also used for own analyses calculated based on information provided in the credit application.
• BisnodecoreTechnology or IntegrationBisnode provides credit reporting services that Bliq uses to verify and validate credit application information, ensuring the accuracy of submitted data.
• UCcoreTechnology or IntegrationUC provides credit reporting services that Bliq uses to verify and validate credit application information, ensuring the accuracy of submitted data.

Scale indicators1 record

Recent moves5 records

Expansion highlights4 records

Direct peers

• Klarna: Swedish-founded consumer credit and BNPL giant. Directly comparable as a Stockholm-headquartered fintech offering consumer-facing credit products with digital underwriting, operating in the same regulatory environment under Finansinspektionen supervision.
• Lendify: Swedish peer-to-peer consumer lending platform. Comparable to Bliq because it is a Sweden-based, technology-enabled consumer lender competing for the same borrower pool, though operating a marketplace model rather than balance-sheet lending.
• Sambla: Swedish loan broker and refinancing platform that helps consumers aggregate and refinance credit. Comparable to Bliq because it operates in Swedish consumer credit, uses digital decisioning, and competes for the same end customer.
• Compricer: Swedish comparison and broker platform covering personal loans, mortgages, and insurance. Comparable to Bliq because it serves Swedish consumers seeking credit through a digital, data-driven matching process.
• Lendo: Swedish personal loan comparison and broker service (Schibsted-owned). Comparable to Bliq as a Swedish consumer credit intermediary using digital channels to match borrowers with lenders and automate decisions.
• Froda: Swedish fintech providing business credit and factoring to SMBs via a digital platform. Comparable to Bliq as a Swedish regulated fintech lender using technology-led underwriting to disrupt traditional credit providers.

Regional players

• Capcito: Swedish fintech offering working capital and credit lines to SMBs. Comparable to Bliq as a Stockholm-based, technology-led lender under Swedish regulation; serves a different segment (SMBs vs consumers) but competes in the same digital-lending category.

Broad incumbents

• Nordea: Largest Nordic bank, headquartered in Finland with major Swedish operations. Comparable to Bliq as the dominant Swedish personal credit provider investing heavily in PSD2/Open Banking and digital decisioning; sets the competitive ceiling Bliq must differentiate against.

Others

• Trustly: Swedish-founded Open Banking payments network (now part of NordPay Financial Group). Comparable to Bliq as a Stockholm-based fintech building payment and data infrastructure on top of PSD2; while not a direct lender, it shapes the same Open Banking ecosystem Bliq depends on.

Emerging players

• Tink: Visa-owned European Open Banking platform providing account aggregation, PSD2 connectivity, and credit decisioning data. Comparable to Bliq as both operate in the Open Banking/credit decisioning value chain; Tink is a Bliq supplier and a potential competitor if it moves further downstream into lending.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat3 records

Key risks5 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/bliqtech

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 Bliq