Creddo
- Company typePrivate
- Founded2018
- HeadquartersStockholm, Sweden
- Headcount11–50
- GTM typeB2B
- OfferingDigital Commerce or Content
Creddo firmographics
Firmographics- Name
- Creddo
- Legal name
- Creddo AB
- Website
- https://creddo.com
- Company type
- Private
- Founded year
- 2018
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Ownership category
- akta.pro rank
Creddo industry classification
Industry- Product category
- Business Loan Brokerage / SMB Lending Marketplace
- NAICS
- Activities Related to Credit Intermediation (5223)
- SIC
- Loan Brokers (6163)
- akta.pro primary industry
- CRE Loan Syndication & Participation (FSALADAK)
Keywords
Where Creddo is headquartered
LocationHeadquarters
- HQ city
- Stockholm
- HQ country
- Sweden
- HQ region
- Europe
Offices1 record
Markets served
Creddo business model
Business model- GTM type
- B2B
- Offering type
- Digital Commerce or Content
- Cost components
- Marketing or Sales, Technology or R&D, Personnel, Operations
Revenue model
- Success Fee from Lenders (Sweden): Creddo receives compensation from partner lenders when a loan is originated through their platform. This is treated by lenders as a marketing cost comparable to TV or newspaper advertising. No additional cost is passed to the borrower.
- Success Fee - Tiered (Netherlands): In the Netherlands market, Creddo charges a tiered success fee: 2% on the first €50,000 of the loan amount, 1.5% on the portion between €50,001 and €100,000, and 1% on amounts above €100,000. An optional premium service with faster processing and personal account manager is available for an additional fee.
- Success Fee from Lenders (Finland): In Finland, Creddo operates similarly—receiving payment from lenders when loans are originated through their platform. The service is free for businesses as lender partners view Creddo as a marketing channel.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Freemium | Pay-as-you-go | Free for businesses in Sweden |
| Transaction based/ take rate | Pay-as-you-go | Tiered success fee (Netherlands) |
| Freemium | Pay-as-you-go | Free for businesses in Finland |
Go-to-market motion2 records
Distribution channels4 records
Marketing channels4 records
Creddo product offering
Product offeringCore offering
Creddo operates a digital business loan brokerage platform that lets small and medium-sized businesses submit a single application and receive loan offers from a network of 20+ partner lenders across Sweden, Finland, and the Netherlands. The service uses one UC credit check to prevent credit-score damage, returns offers within 24 hours on business days, and covers loan categories including business loans, credit facilities, real estate loans, factoring, leasing, and overdraft. The service is free for businesses; Creddo is paid via success fees from partner lenders.
Product overview
Creddo operates as a multi-country loan brokerage platform for small and medium-sized businesses, offering a unified comparison and application service across Sweden, Finland, and the Netherlands. The core product is a business loan brokerage service that submits applications to multiple lenders simultaneously with only one credit check. In Sweden, the platform offers business loans (10,000 SEK to 10+ million SEK), business credit/flexible credit lines, real estate loans, factoring, leasing, and overdraft facilities. The Netherlands operation provides business loans, business credit, PIN financing, factoring, leasing, real estate, business credit cards, personal loans, and a toolbox of financial tools. Finland focuses on business loans up to 350,000 EUR with unsecured loan options. The company also offers an EU-backed loan program (EaSI) with government guarantees for qualifying Swedish small businesses. All country operations connect to 10-30+ lender partners and charge a success fee only when a loan is finalized.
Differentiator
Problem solved
Functional benefit
Products and services
- Företagslån (Business Loans) - Sweden Sweden-side loan brokerage product comparing and routing business loan applications of 10,000 SEK to over 10 million SEK to 20+ lender partners through a single UC credit check, with non-binding offers returned within 24 hours.
- Yrityslaina (Business Loan) - Finland Finnish business loan brokerage service enabling Finnish businesses and sole proprietors to compare and apply for loans up to 350,000 EUR from 10+ local lenders with a single application.
- Zakelijk Krediet / Business Loans - Netherlands Dutch-market business credit and loan brokerage service enabling Dutch SMEs, startups, and zzp'ers to compare business loans with transparent tiered fees, including an optional premium service with faster processing and a personal account manager.
- Företagskredit (Business Credit Facility) Flexible revolving credit facility offered as a standalone brokerage product, functioning like a cardless credit line with interest charged only on drawn funds.
- EU-lånet (EU EaSI Loan Program) EU-backed (EaSI / EIF) small-business loan program in Sweden providing 100,000-500,000 SEK with 80% EIF guarantee, a 20% personal guarantee, and an interest discount of up to 2%.
- Vakuudettomat yrityslainat (Unsecured Business Loans) Unsecured Finnish business loans brokered through Creddo requiring a personal guarantee rather than physical collateral, typically priced at 10-40% annual interest.
Quantifiable outcome
- Single credit check regardless of number of lenders
- +2 more outcomes
Companies that use Creddo
Customer profileNamed customers3 records
Segments6 records
Ideal customer profiles3 records
Creddo technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature3 records
Creddo partnerships and signals
Strategic signalPartnerships
30 partnerships are on record, tiered core and supporting.
- Aros KapitalcoreSwedish lender partner providing business loans through Creddo's platform. Part of the 20+ lender network serving Swedish businesses.
- Avida FinanscoreSwedish financial services company offering business loans through Creddo's comparison platform.
- ApprovacoreSwedish lender partner on Creddo's platform offering business financing solutions.
- Capital BoxcoreNordic business lending platform partner operating across Sweden, Finland, and Netherlands.
- Collector BankcoreSwedish bank providing business loans through Creddo's marketplace.
- FrodacoreSwedish lender offering business loans through Creddo's platform.
- QredcoreSwedish fintech lender partner providing business loans and credit facilities.
- Svea BankcoreSwedish bank offering business loans through Creddo's network.
- OPR-FinancecoreFinnish and Swedish lender partner providing business credit solutions.
- Billecta FinanssupportingSwedish financial services company providing factoring and business loans through Creddo.
- CorpiasupportingNordic lender partner on Creddo's platform.
- CrediNordsupportingNordic business credit provider through Creddo's network.
- FedeltasupportingSwedish lender partner on Creddo's platform.
- IMH Credit SolutionssupportingCredit solutions provider in Creddo's lender network.
- Marginalen BanksupportingSwedish bank providing business financing through Creddo.
- MyntsupportingNordic fintech lender partner on Creddo's platform.
- QapitalasupportingNordic business credit provider in Creddo's network.
- SBP NordicsupportingNordic lender partner providing business loans through Creddo.
- SwishfundsupportingDutch and Swedish lender partner offering quick business financing.
- Funding PartnersupportingNordic funding partner in Creddo's lender network.
- BridgeFundcoreDutch lender offering rapid business loans (24-48 hours) using automated PSD2/MT940 assessment.
- FloryncoreDutch lender partner offering fast business loans with real-time bank transaction analysis.
- 5in5supportingDutch micro-lender offering same-day loans up to €5,000 with fully automated processing.
- YouLendsupportingDutch lender using Shopify/Stripe/SumUp transaction data for instant approval decisions.
- Fellow PankkisupportingFinnish lender partner in Creddo's network serving Finnish businesses.
- KasvurahoitussupportingFinnish growth financing provider through Creddo's platform.
- Koin CapitalsupportingFinnish capital provider in Creddo's lender network.
- GF MoneysupportingNordic financial services provider offering loans through Creddo.
- AmexsupportingAmerican Express business loan offerings available through Creddo in Finland.
- FortnoxsupportingAccounting software provider partnered with Creddo for business financing.
Scale indicators5 records
Recent moves6 records
Expansion highlights5 records
Creddo competitors and assessment
Company assessmentDirect peers
- Compricer: Swedish/Nordic comparison site for loans, insurance, and banking products. Comparable distribution and lead-generation business model to Creddo, especially on the loan-comparison side.
- Capitalbox: Nordic SME lending platform offering business loans across Sweden, Finland, and the Netherlands. Direct competitor and a current Creddo partner — competes for the same SME origination funnel from the lender side.
- Zmarta: Nordic loan-broker platform operating in Sweden, Finland, and Norway that aggregates personal and business loan offers from multiple lenders. Shares the multi-country comparison marketplace model and Nordic SME target segment with Creddo.
- Sambla: Sweden's largest loan-broker aggregator connecting consumers and small businesses with multiple banks and lenders. Direct competitor in the same Nordic SME loan-comparison category, overlapping heavily on value proposition and target audience.
- Lendo: Loan-broker marketplace operating across the Nordics that connects borrowers with bank and lender offers via a single application. Operates with the same single-form, multi-lender distribution model Creddo uses.
Broad incumbents
- iwoca: Larger UK- and European-based fintech lender serving SMEs with flexible credit lines and term loans. Represents the scaled, venture-backed version of the SME lending category Creddo is adjacent to via its partner network.
- Funding Circle: Public-market and large-scale SME lending marketplace focused on term loans for small businesses across the UK, US, and Europe. Same 'SME origination marketplace' category as Creddo but at materially larger scale; useful as a strategic comp and exit benchmark.
Emerging players
- Froda: Swedish fintech lender providing business loans to SMEs with a digital, fast-approval model. Comparable target customer and product category; partnered with Creddo but competes as a direct lender for the same SME origination volume.
- Qred: Swedish-headquartered digital SME lender operating across multiple European countries. Currently a Creddo partner; comparable in SME target market but offers a single proprietary balance-sheet product rather than multi-lender aggregation.
Regional players
- Kreditmoney (Krea.fi / Krea.se): Nordic loan broker operating in Finland and Sweden under the Krea brand, aggregating business and consumer loan offers from multiple lenders. Direct comparison marketplace competitor in Creddo's two strongest Nordic markets.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat4 records
Key risks6 records
Key highlights6 records
Customer concentration
Creddo social profiles
Digital presenceCreddo compliance and trust
Trust signalCompliance1 record
Creddo financial estimates
Financial estimateRevenue estimate
Valuation estimate
Creddo leadership team
Management profileNumber of profiles
Profiles1 record
Creddo funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Creddo 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 Creddo
What does Creddo do?
Creddo operates a digital business loan brokerage platform that lets small and medium-sized businesses submit a single application and receive loan offers from a network of 20+ partner lenders across Sweden, Finland, and the Netherlands. The service uses one UC credit check to prevent credit-score damage, returns offers within 24 hours on business days, and covers loan categories including business loans, credit facilities, real estate loans, factoring, leasing, and overdraft. The service is free for businesses; Creddo is paid via success fees from partner lenders.
Is Creddo a public or private company?
Creddo is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Creddo founded?
Creddo was founded in 2018. It employs 11 to 50 people.
Where is Creddo based?
Creddo is headquartered in Stockholm, Sweden, in the Europe region.
How does Creddo make money?
Three revenue lines are on record. Success Fee from Lenders (Sweden) is the primary driver. The others are success Fee - Tiered (Netherlands) and success Fee from Lenders (Finland).
Who are Creddo's main competitors?
Direct peers on record are Compricer, Capitalbox, Zmarta, Sambla and Lendo. Broad incumbents are iwoca and Funding Circle. Emerging players are Froda and Qred. Kreditmoney (Krea.fi / Krea.se) is listed as a regional player.
Does Creddo have an API?
No public API is recorded for Creddo.
What industry is Creddo in?
Creddo's product category is Business Loan Brokerage / SMB Lending Marketplace. Its primary akta.pro industry code is FSALADAK, CRE Loan Syndication & Participation. Its NAICS code is 5223 and its SIC code is 6163.