eLizings.lv
eLizings.lv is a Riga-based, licensed credit intermediary operating since 2015 that aggregates loan and leasing offers from 25+ Latvian lenders on a single application, serving Latvian consumers and small businesses with consumer loans, auto leasing, mortgages and business financing.
- Company typePrivate
- Founded2015
- HeadquartersRiga, Latvia
- Headcount1–10
- GTM typeB2C
- OfferingServices
What eLizings.lv does
eLizings.lv (legal entity: SIA Elizings.lv) is a Riga-based credit comparison platform and licensed credit intermediary (license No. KS-18) founded in 2015. It aggregates loan and leasing offers from more than 25 Latvian banks, leasing companies and P2P lenders — including TF Bank, Holmbank, Inbank, InCredit, Mogo, Bondora, INDEXO and others — and lets individual consumers and small businesses submit a single application to receive multiple competing offers. The product portfolio spans consumer loans (up to €15,000), auto loans and leasing (up to €25,000), mortgages (up to €200,000), refinancing and credit consolidation, plus a growing set of specialized leasing verticals covering motorcycles, watercraft, commercial transport and agricultural equipment (up to €300,000). A separate business lending suite covers credit lines, startup loans and company auto leasing. Adjacent offerings include vehicle history checks, KASKO insurance via partner brokers, an auto auction and a website-development service tied to state funding.
Under the platform, applications are routed to selected lenders via automated profiling that predicts creditworthiness and matches borrowers to suitable products, supported by document content analysis built on Anthropic's AI systems and credit data sourced from the Latvian Credit Information Bureau. Distribution combines a self-serve online platform with three physical branches (Riga, Jēkabpils, Liepāja), remote electronic-signature onboarding, and a content, SEO, social and affiliate-led marketing stack.
Revenue is generated primarily through commission fees paid by partner lenders for each successfully originated loan, supplemented by an affiliate program that pays a 3% commission on completed transactions and a €0.11 application confirmation fee. The service is free at the point of use for consumers. The company is privately held, has no disclosed external funding and operates with a seven-person team, reflecting a bootstrapped, capital-light operating model.
eLizings.lv firmographics
Firmographics- Name
- eLizings.lv
- Legal name
- SIA Elizings.lv
- Website
- https://elizings.lv
- Company type
- Private
- Founded year
- 2015
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- eLizings.lv is a Riga-based, licensed credit intermediary operating since 2015 that aggregates loan and leasing offers from 25+ Latvian lenders on a single application, serving Latvian consumers and small businesses with consumer loans, auto leasing, mortgages and business financing.
- Ownership category
- akta.pro rank
eLizings.lv industry classification
Industry- Product category
- Credit Comparison Platform
- NAICS
- Mortgage and Nonmortgage Loan Brokers (522310)
- SIC
- Loan Brokers (6163), Mortgage Bankers & Loan Correspondents (6162)
- akta.pro primary industry
- Personal Loan & Unsecured Credit Intermediation (FSAEAEAM)
Keywords
Where eLizings.lv is headquartered
LocationHeadquarters
- HQ city
- Riga
- HQ country
- Latvia
- HQ region
- Europe
Offices4 records
Markets served
eLizings.lv business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Others
Revenue model
- Loan origination commissions: eLizings earns commission fees from partner lenders (creditors) for each successful loan transaction facilitated through the platform. The company acts as a licensed credit intermediary (License No. KS-18) receiving compensation from lenders for bringing them customers.
- Affiliate program revenue share: The company operates an affiliate program where partners earn 3% commission on each completed transaction they refer, creating a referral network for customer acquisition.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Consumer loan comparison: up to 15,000 EUR, from 7% APR, 6-84 months |
| Transaction based/ take rate | Pay-as-you-go | Affiliate program: 3% commission per completed transaction |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels6 records
eLizings.lv product offering
Product offeringCore offering
eLizings.lv is a licensed credit intermediary (License No. KS-18) that operates a credit comparison platform aggregating loan and leasing offers from 25+ leading Latvian lenders and banks. Customers submit a single application and receive personalized offers from multiple creditors for consumer loans, auto loans and leasing, mortgages, credit consolidation, refinancing, and specialized vehicle/equipment leasing. The service is free for borrowers; the company earns commissions from partner lenders for each successfully originated loan.
Product overview
eLizings.lv is a credit comparison platform operating as a licensed credit intermediary (license No. KS-18) that aggregates and compares loan offers from 25+ leading lenders and banks in Latvia. The platform offers a comprehensive portfolio of credit products centered around the Kredītu salīdzināšana (Credit Comparison Platform) as the core offering. The product portfolio includes consumer loans (Patēriņa kredīts), auto loans and leasing (Auto kredīts un līzings), mortgage loans (Hipotekārais kredīts), credit consolidation (Kredītu apvienošana), and refinancing (Pārkreditācija) as the primary credit products. Specialized lending includes motorcycle/water transport leasing, agricultural equipment leasing (up to €300,000), and commercial transport leasing. Business solutions encompass startup loans, business credit lines, and business auto leasing. Complementary services include vehicle history checks, KASKO insurance, auto auctions, and website development services. The platform enables clients to submit a single application to receive personalized offers from multiple lenders, with contract signing available remotely or at physical branches in Riga, Jēkabpils, and Liepāja.
Differentiator
Problem solved
Functional benefit
Products and services
- Credit Comparison Platform (Kredītu salīdzināšana)
Quantifiable outcome
- Comparison of 25+ leading lenders with a single application
- +1 more outcomes
Companies that use eLizings.lv
Customer profileNamed customers4 records
Segments2 records
Ideal customer profiles2 records
eLizings.lv technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature4 records
eLizings.lv partnerships and signals
Strategic signalPartnerships
Seven partnerships are on record, tiered supporting.
- SIA EURORISK (Insurance broker)supportingEURORISK (Reg. No. 40003847886) provides insurance offers including KASKO and OCTA as a partner broker.
- SIA VIS BROKERHOUSE (Insurance broker)supportingVIS Brokerhouse (Reg. No. 40103241672) provides insurance brokerage services as a partner.
- SIA Mango InsurancesupportingMango Insurance (Reg. No. 40203490873) provides insurance products through the platform.
- AS Kredītinformācijas birojssupportingCredit Information Bureau (Reg. No. 40103673493) provides creditworthiness data and customer verification services.
- Anthropic Ireland, LimitedsupportingAI systems provider used for automated document analysis and information processing in the credit application workflow.
- Maksekeskus AS Latvijas filiālesupportingPayment platform (Reg. No. 40203388134) processes payments for the platform services.
- GoCardless SASsupportingPayment processing service for direct debit and bank account verification services.
Scale indicators4 records
Recent moves6 records
Expansion highlights5 records
eLizings.lv competitors and assessment
Company assessmentDirect peers
- Zmarta: Nordic comparison platform for personal loans, refinancing, and credit products across multiple lenders. Direct functional peer to eLizings in the multi-lender single-application model.
- Sortter: Nordic loan comparison aggregator serving consumers across Sweden and adjacent markets. Operates the same single-application multi-lender comparison model as eLizings and competes for the same lender partnership economics, though at a larger geographic scale.
- Lendo: Established Nordic loan comparison service (owned by Schibsted) that allows consumers to compare offers from multiple banks and lenders with one application. Highly comparable to eLizings in core mechanics, though serving larger Nordic markets.
- Financer.com: Multi-country online loan comparison platform operating in Latvia among other European markets, matching borrowers with consumer, business, and vehicle credit providers through a single application. Closely mirrors eLizings' asset-light brokerage model and target customer base.
- Sambla: Nordic personal finance comparison platform that aggregates offers from multiple lenders for consumer loans, mortgages, and refinancing. Comparable to eLizings in business model (commission-based brokerage) and customer value proposition (single application, multiple offers).
Broad incumbents
- LendingTree: US-listed loan comparison marketplace connecting consumers with multiple lenders across mortgages, personal loans, and auto financing. Represents the scaled, public-market archetype of eLizings' comparison-and-brokerage model.
- Bigbank: Baltic digital bank headquartered in Estonia with operations across Latvia, Lithuania, and the broader EU, providing consumer loans, leasing, and deposits. Operates broadly in the same credit space as eLizings' partner network and serves overlapping Latvian customer demand, but as a direct lender rather than a broker.
- Inbank: Baltic consumer and business finance provider offering consumer loans, leasing, and credit cards across multiple markets. Both a key partner lender to eLizings and a comparable operator in the Latvian credit distribution space.
- NerdWallet: US personal finance comparison and content platform that helps consumers evaluate credit cards, loans, and other financial products. Comparable to eLizings in the customer-education-plus-comparison value proposition, though operating at far greater scale in the US.
Emerging players
- Bondora: Estonian P2P consumer lending platform that offers direct loan products to retail investors and borrowers across Europe. Serves a similar Latvian customer base to eLizings through its own consumer credit channel and competes for the same end-borrower wallet.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks5 records
Key highlights6 records
Customer concentration
eLizings.lv social profiles
Digital presenceeLizings.lv compliance and trust
Trust signalCompliance2 records
eLizings.lv financial estimates
Financial estimateRevenue estimate
Valuation estimate
eLizings.lv leadership team
Management profileNumber of profiles
eLizings.lv funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
eLizings.lv 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 eLizings.lv
What does eLizings.lv do?
eLizings.lv is a licensed credit intermediary (License No. KS-18) that operates a credit comparison platform aggregating loan and leasing offers from 25+ leading Latvian lenders and banks. Customers submit a single application and receive personalized offers from multiple creditors for consumer loans, auto loans and leasing, mortgages, credit consolidation, refinancing, and specialized vehicle/equipment leasing. The service is free for borrowers; the company earns commissions from partner lenders for each successfully originated loan.
Is eLizings.lv a public or private company?
eLizings.lv is a private company. It is classified as unknown and is currently operating.
When was eLizings.lv founded?
eLizings.lv was founded in 2015. It employs 1 to 10 people.
Where is eLizings.lv based?
eLizings.lv is headquartered in Riga, Latvia, in the Europe region.
How does eLizings.lv make money?
Two revenue lines are on record. Loan origination commissions are the primary driver. The others are affiliate program revenue share.
Who are eLizings.lv's main competitors?
Direct peers on record are Zmarta, Sortter, Lendo, Financer.com and Sambla. Broad incumbents are LendingTree, Bigbank, Inbank and NerdWallet. Bondora is listed as an emerging player.
Does eLizings.lv have an API?
No public API is recorded for eLizings.lv.
What industry is eLizings.lv in?
eLizings.lv's product category is Credit Comparison Platform. Its primary akta.pro industry code is FSAEAEAM, Personal Loan & Unsecured Credit Intermediation. Its NAICS code is 522310 and its SIC code is 6163.