LENDABLE PLATFORM LIMITED
Lendable is a London-based AI-powered consumer finance platform founded in 2014, offering personal loans, credit cards, and auto finance to UK and North American consumers through its Lendable, Zable, Autolend, and Lenda brands via instant, self-serve digital underwriting.
- Company typePrivate
- Founded2014
- HeadquartersLondon, United Kingdom
- Headcount—
- GTM typeB2C
- OfferingServices
What LENDABLE PLATFORM LIMITED does
Lendable Platform Limited, operating primarily through its legal entity Lendable Ltd, is a London-based AI-powered consumer finance company founded in 2014. The company operates a multi-brand portfolio spanning Lendable (UK personal loans), Zable (a UK financial superapp and UK/US credit cards), Autolend (UK auto lending via online and dealer channels), and Lenda (US personal loans), serving consumer borrowers across the United Kingdom and North America. Its core technology is an AI-driven underwriting and decisioning platform trained on a decade of proprietary consumer lending data, enabling instant credit decisions, real-time tailored offers, and immediate fund transfers through self-serve web and mobile channels. The company is authorised and regulated by the UK Financial Conduct Authority (FRN: 720261) and is backed by institutional investors including Ontario Teachers Pension Plan, Balderton Capital, Goldman Sachs, and Passion Capital.
Lendable's business model is built on originating consumer loans, credit cards, and auto finance and earning the spread between origination rates and the cost of capital supplied by institutional investors. The company reports billions in annual loan originations and millions of customers served, with 250k+ five-star reviews cited as evidence of customer satisfaction. Distribution is primarily direct-to-consumer through digital self-serve channels (websites and iOS/Android apps), supplemented by Autolend's dealer network for auto finance. The Zable App extends the proposition beyond lending into credit building, spending tracking, instant repayments, and personalised AI-driven financial recommendations. Lendable markets itself as having automated the full lending lifecycle from credit decision to fund disbursement, with AI positioned as the central operational and competitive lever rather than a peripheral feature.
LENDABLE PLATFORM LIMITED firmographics
Firmographics- Name
- LENDABLE PLATFORM LIMITED
- Legal name
- Lendable Ltd
- Website
- https://lendable.com
- Company type
- Private
- Founded year
- 2014
- Operating status
- Operating
- Short description
- Lendable is a London-based AI-powered consumer finance platform founded in 2014, offering personal loans, credit cards, and auto finance to UK and North American consumers through its Lendable, Zable, Autolend, and Lenda brands via instant, self-serve digital underwriting.
- Ownership category
- akta.pro rank
LENDABLE PLATFORM LIMITED industry classification
Industry- Product category
- Consumer Lending
- NAICS
- Consumer Lending (522291), Activities Related to Credit Intermediation (5223)
- SIC
- Personal Credit Institutions (6141)
- akta.pro primary industry
- Alternative Data & Credit Scoring (Cashflow, Telco, Utility, Open Banking) (FSAGAHAC)
- akta.pro secondary industries
- Debt Consolidation Personal Loans (Unsecured Installment) (FSAKAAAD), Auto / Vehicle Marketplace Lending (FSAKAHAF), Pricing, Risk-Based Offer & Limit Management (FSAGAHAE)
Keywords
Where LENDABLE PLATFORM LIMITED is headquartered
LocationHeadquarters
- HQ city
- London
- HQ country
- United Kingdom
- HQ region
- Europe
Offices1 record
Markets served
LENDABLE PLATFORM LIMITED business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Technology or R&D, Operations, Personnel, Infrastructure, Marketing or Sales
Revenue model
- Consumer Lending Interest: Interest income from personal loans, auto loans, and credit products extended to consumers. Revenue generated through the spread between origination rates and cost of capital from institutional investors.
Go-to-market motion1 record
Distribution channels4 records
Marketing channels1 record
LENDABLE PLATFORM LIMITED product offering
Product offeringCore offering
Lendable operates an AI-powered consumer finance platform that originates personal loans, credit cards, and auto loans directly to consumers through multiple brands (Lendable, Zable, Autolend, Lenda) in the UK and North American markets. Its platform automates the full lending lifecycle — application, instant credit decisioning, transparent real-rate pricing, and immediate fund disbursement — using proprietary machine learning models trained on a decade of consumer credit data.
Product overview
Lendable operates a multi-product consumer finance platform with brands including Zable (financial superapp), Lendable (personal loans), Autolend (auto lending), and Zable Credit Card and Loans (credit cards and loans). The platforms leverage AI-powered instant credit decisioning and personalized recommendations to offer loans, credit cards, and auto lending products primarily in the UK and North American markets. The company automates credit decisions and tailors financial offers using a decade of data and AI expertise.
Differentiator
Problem solved
Functional benefit
Brands
- Zable App: All-in-one financial superapp, powered by AI. Access all credit products and get personalised recommendations to improve credit and save time and money.
- Lendable Loans
- Autolend
- Zable Credit Card and Loans
Products and services
- Zable App All-in-one AI-powered financial superapp for UK consumers providing access to credit products (cards and loans) and personalised recommendations to improve credit and save time and money.
- Lendable Loans UK personal loans offering instant credit decisions, transparent real interest rates, and immediate fund disbursement to the customer's account.
- Autolend Direct auto lending platform providing instant quotes online and through a dealer network, serving UK consumers seeking auto financing.
- Zable Credit Card and Loans Award-winning credit cards and loans available in the UK and US markets with credit-building features, instant repayments, real-time spending tracking, and mobile account management.
Quantifiable outcome
- Millions of customers served across UK and North American markets
- +2 more outcomes
Companies that use LENDABLE PLATFORM LIMITED
Customer profileSegments3 records
Ideal customer profiles3 records
LENDABLE PLATFORM LIMITED technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
AI capability5 records
Feature3 records
LENDABLE PLATFORM LIMITED partnerships and signals
Strategic signalScale indicators5 records
Recent moves6 records
Expansion highlights5 records
LENDABLE PLATFORM LIMITED competitors and assessment
Company assessmentDirect peers
- LendingClub: US online consumer lending marketplace originating personal loans via digital channels. Overlapping product set with Lendable and similar data-driven underwriting focus.
- Affirm: US fintech offering consumer credit products with real-time underwriting and transparent pricing. Comparable AI-driven, instant-decision consumer lending model targeting similar borrower segments.
- SoFi: US consumer finance superapp offering personal loans, auto loans, and credit cards with a member-based ecosystem. Closely mirrors Lendable's multi-product, brand-portfolio strategy (Lendable/Zable/Autolend).
- Upstart: AI-driven consumer lending platform using ML credit decisioning. Closest analogue to Lendable's core AI underwriting approach, focused on personal loans and auto refinancing.
- Funding Circle: UK-headquartered online lender providing loans directly and via P2P models. Operates in similar UK consumer/SMB lending category with digital-first origination, comparable to Lendable's multi-brand platform.
- Klarna: European-headquartered BNPL/consumer credit fintech with UK and US presence. Comparable in product breadth across consumer credit and AI-driven decisioning, though more retail-anchored.
- Zopa: UK-based digital consumer lending platform offering personal loans and savings products, FCA-regulated. Directly competes with Lendable Loans in the UK unsecured personal loan market.
- Prosper Marketplace: US online personal loan platform with digital underwriting. Comparable target borrower and digital-first origination model to Lendable's core consumer loan offering.
Regional players
- Monzo: UK digital bank expanding into consumer credit products (loans, overdrafts). Indirect competitor as a UK-based digital challenger lending in overlapping consumer segments.
Others
- Experian: Global consumer credit bureau providing credit data and analytics that Lendable's underwriting models consume. Ecosystem participant rather than direct competitor; relevant for understanding the data supply chain.
Market position
Strengths5 records
Weaknesses4 records
Key risks5 records
Key highlights6 records
Customer concentration
LENDABLE PLATFORM LIMITED social profiles
Digital presenceLENDABLE PLATFORM LIMITED compliance and trust
Trust signalCompliance1 record
LENDABLE PLATFORM LIMITED financial estimates
Financial estimateRevenue estimate
Valuation estimate
LENDABLE PLATFORM LIMITED leadership team
Management profileNumber of profiles
LENDABLE PLATFORM LIMITED funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
LENDABLE PLATFORM LIMITED 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 LENDABLE PLATFORM LIMITED
What does LENDABLE PLATFORM LIMITED do?
Lendable operates an AI-powered consumer finance platform that originates personal loans, credit cards, and auto loans directly to consumers through multiple brands (Lendable, Zable, Autolend, Lenda) in the UK and North American markets. Its platform automates the full lending lifecycle — application, instant credit decisioning, transparent real-rate pricing, and immediate fund disbursement — using proprietary machine learning models trained on a decade of consumer credit data.
Is LENDABLE PLATFORM LIMITED a public or private company?
LENDABLE PLATFORM LIMITED is a private company. It is classified as venture growth investor backed and is currently operating.
When was LENDABLE PLATFORM LIMITED founded?
LENDABLE PLATFORM LIMITED was founded in 2014.
Where is LENDABLE PLATFORM LIMITED based?
LENDABLE PLATFORM LIMITED is headquartered in London, United Kingdom, in the Europe region.
How does LENDABLE PLATFORM LIMITED make money?
One revenue line is on record: consumer Lending Interest.
Who are LENDABLE PLATFORM LIMITED's main competitors?
Direct peers on record are LendingClub, Affirm, SoFi, Upstart, Funding Circle, Klarna, Zopa and Prosper Marketplace. Monzo is listed as a regional player. Experian is listed as an others.
Does LENDABLE PLATFORM LIMITED have an API?
No public API is recorded for LENDABLE PLATFORM LIMITED.
What industry is LENDABLE PLATFORM LIMITED in?
LENDABLE PLATFORM LIMITED's product category is Consumer Lending. Its primary akta.pro industry code is FSAGAHAC, Alternative Data & Credit Scoring (Cashflow, Telco, Utility, Open Banking), with a secondary code of FSAKAAAD, Debt Consolidation Personal Loans (Unsecured Installment). Its NAICS code is 522291 and its SIC code is 6141.