What Lakeus OÜ does

Lakeus OÜ is an Estonian-incorporated private company that operates Yrityslaina.com, a Finnish-language business loan comparison and aggregation platform targeting SMEs and sole proprietors in Finland. The platform is free for borrowers and offers three core products — unsecured business loans, secured business loans, and flexible business credit lines — covering loan sizes from €1,000 to €5,000,000, with additional offerings in factoring, vehicle financing, and debt consolidation.

Under the hood, Yrityslaina.com is a web-based comparison and lead-matching flow built on third-party data processing infrastructure provided by Sortter. The platform matches user-submitted loan requests against a network of 12+ lending partners (including CapitalBox, Qred, and Svea) and routes applications to the appropriate lenders. No proprietary algorithms, AI/ML components, or mobile application are disclosed.

The business model is commission- and referral-based: borrowers pay nothing to use the comparison service, while Lakeus OÜ earns fees from lending partners for originated or referred loan applications. Go-to-market relies on Finnish-language content marketing, search engine optimization, and earned media coverage in major Finnish outlets (including Iltalehti and MTV Uutiset), targeting organic demand from Finnish businesses seeking financing. The company is headquartered in Tallinn, Estonia, was founded in 2022, and currently operates solely in the Finnish market with no disclosed funding rounds, parent company, or M&A activity.

Name

Lakeus OÜ

Legal name

Lakeus OÜ

Website

https://yrityslaina.com

Company type

Private

Founded year

2022

Operating status

Operating

Short description

Lakeus OÜ is an Estonian-incorporated fintech operating Yrityslaina.com, a free Finnish business loan comparison platform for SMEs and sole proprietors, earning commission fees from a network of 12+ lending partners across loan sizes of €1,000 to €5,000,000.

Ownership category

akta.pro rank

Product category

Business Loan Comparison Platform

NAICS

Mortgage and Nonmortgage Loan Brokers (52231)

SIC

Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

SBA/USDA Government-Backed Loan Intermediation (FSAEAEAI)

Keywords

• Business loan comparison
• SME financing platform
• Loan aggregation service
• Commercial lending marketplace
• Business credit broker

Headquarters

HQ city

Tallinn

HQ country

Estonia

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Digital Commerce or Content

Cost components

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

Revenue model

1. Commission / referral fees from lending partners: The company earns revenue by acting as an intermediary between loan applicants and lenders. It aggregates loan offers from a network of partner lending institutions and charges a commission or referral fee for matching borrowers with lenders. The service is free for loan applicants — they pay nothing to use the comparison platform. Revenue flows from the lending partners who receive qualified loan applications.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels3 records

Core offering

Lakeus OÜ operates Yrityslaina.com, a digital loan comparison and aggregation platform that collects a single business loan application and circulates it across a network of Finnish and international lending partners to return competing offers to the applicant. Its core products are unsecured business loans (€1,000–€350,000), secured business loans (€50,000–€5,000,000), and flexible business credit lines (€5,000–€200,000), supplemented by invoice factoring, vehicle financing, and debt consolidation services. The service is free for borrowers; revenue is generated via commissions or referral fees from lending partners.

Product overview

Lakeus OÜ operates Yrityslaina.com, a business loan comparison and aggregation platform. The core offering consists of three main financing products: (1) Vakuudeton yrityslaina (unsecured business loans from €1,000–€350,000), (2) Vakuudellinen yrityslaina (secured business loans from €50,000–€5,000,000), and (3) Joustava yritysluotto (flexible credit lines from €5,000–€200,000). The platform acts as an intermediary, collecting a single application and matching businesses with optimal offers from its network of partner lenders. Additional specialized services include invoice financing (factoring), vehicle financing, and debt consolidation loans. The company provides educational financial content as a supporting resource for loan applicants.

Differentiator

Problem solved

Functional benefit

Products and services

• Vakuudeton yrityslaina (Unsecured Business Loan) A collateral-free business loan ranging from €1,000 to €350,000, approved based on the company's creditworthiness and business performance without requiring assets as security. Targeted at Finnish SMEs from sole proprietors to mid-sized companies, including startups without operating history.
• Vakuudellinen yrityslaina (Secured Business Loan) A secured business loan ranging from €50,000 to €5,000,000, requiring collateral such as real estate, vehicles, or equipment, offering lower interest rates and longer repayment terms. Designed for established Finnish businesses making large investments, real estate purchases, acquisitions, or refinancing existing bank debt.
• Joustava yritysluotto (Flexible Business Credit Line) A revolving credit facility ranging from €5,000 to €200,000 that allows Finnish businesses to draw and repay funds as needed, with interest charged only on the amount drawn and for the actual days used. No opening fee, no fixed monthly fees, no withdrawal obligations, and repayment can be made immediately without extra charges.
• Yritysrahoitus (Business Financing Service) The company's primary aggregation and comparison platform service that matches Finnish businesses with optimal financing solutions from its network of lending partners, covering unsecured loans, secured loans, and credit lines. Customers submit a single application via the website and receive competing offers from multiple lenders.
• Laskurahoitus eli Factoring (Invoice Financing) Invoice financing service that enables Finnish businesses to sell outstanding invoices for immediate cash flow, offered as an alternative financing option through the platform's lending network.
• Autorahoitus yritykselle (Business Vehicle Financing) Vehicle financing service for Finnish businesses to acquire company vehicles through loans, available with or without collateral, arranged via the platform's lending partner network.
• Yhdistelylaina (Debt Consolidation Loan) Loan consolidation service that combines multiple existing loans into a single loan with potentially better terms, available through the platform for both businesses and consumers.

Quantifiable outcome

• Loan decisions often within the same day; unsecured loans can arrive in under 24 hours
• +2 more outcomes

Named customers5 records

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators3 records

Recent moves5 records

Expansion highlights3 records

Direct peers

• Qred: Nordic digital small business lender offering unsecured and secured business loans. Functions as both a Yrityslaina lending partner and a potential competitor with direct-to-borrower origination capabilities.
• Vauraus: Finnish business finance provider focused on company loans and working capital solutions. Direct peer in the Finnish SME lending market and listed Yrityslaina lending partner.
• Rahalaitos: Finnish loan comparison and lending platform offering personal and business loan aggregation. Direct competitor and also listed as one of Yrityslaina's lending partners, illustrating the dual role of broker-lenders in the Finnish market.
• Omalaina: Finnish loan broker and lending service. Listed Yrityslaina lending partner with overlapping customer acquisition approach in the Finnish SME market.
• CapitalBox: Alternative business lender providing short-term financing to SMEs across European markets. Listed Yrityslaina lending partner with comparable customer base and product structure.
• Sortter: Finnish loan comparison platform aggregating offers from multiple lenders. Operates as a data processor and technology partner for Yrityslaina while also functioning as a parallel comparison service in the same market.
• Lendo: Swedish-founded loan comparison platform operating in Finland and other Nordic markets. Comparable consumer and business loan aggregation model serving overlapping Finnish customer base.
• Zmarta: Nordic financial comparison service covering loans, refinancing, and credit products across multiple countries. Direct comparison to Yrityslaina's business loan aggregation model, with broader consumer focus.

Broad incumbents

• Funding Circle: Global SMB lending marketplace operating across multiple European markets. Comparable business model of aggregating business loan demand across a lender network, but at significantly greater scale and geographic breadth.
• Svea: Large Nordic financial services group offering business financing, invoice factoring, and payment solutions. Functions as a Yrityslaina lending partner and as a broad incumbent in the SME finance space.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat2 records

Key risks6 records

Key highlights7 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

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 Lakeus OÜ