Business Financing

  • Business loan
  • Sales invoice
  • Purchase invoice
  • Auction-based pricing
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Personal Loans

  • Easy and fast
  • No hidden fees
  • Fixed interest rate
  • No guarantees
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  • New investment format
  • Limited credit loss risk
  • No subscription fee
  • No management fee
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The leading marketplace lending platform in Northern Europe

1 004 238


910 M€


18 936


Investor return

Historically the average annual yield received by investors has been 3-8% depending on the loan market.

Investor returns shows TWR-method calculated profit index to all Fellow Finance –service investments combined. Investment value is defined as open loan capital decreased by credit loss reservation. Credit loss reservation is calculated daily based on payment delays, realization value and risk class. During the period 7/2014 - 11/2016 the credit risk reservation is an estimate because of the change done to the calculations. Historical profit is not a guarantee for future profits. Comparison index in the graph does not include dividends.

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Fellow Finance Crowdfunding Platform

Fellow Finance crowdfunding

1. Fellow Finance

Fellow Finance is a marketplace for creditworthy consumer and business borrowers and investors looking for steady cash flow with stable returns.

Fellow Finance peer-to-peer service

2. Borrower

Borrower fills a loan application and decides the desired loan amount, duration and interest rate he is willing to borrow with.

Fellow Finance investors

3. Lender

Lender registers to the marketplace by opening an investor account and setting his own lending criteria.

Fellow Finance business model

4. Repayment

Investor receives monthly repayments and interests. Fellow Finance manages the administration between parties involved.

Fellow Finance international Finland Since March 2014 Population 5.5 million Consumer & business loans Poland Since April 2016
Population 37.9 million
Consumer loans
German Since September 2017
Population 82.5 million
Consumer loans
Denmark Since January 2019
Population 5.7 million
Consumer loans

Fellow Finance international

The leading marketplace lending platform in Northern Europe

Fellow Finance Plc is the largest crowdfunding platform in Northern Europe and the third largest in the continental Europe in terms of intermediated capital where lenders and borrowers meet each other safely and digitally. The marketplace maintained by Fellow Finance is the only crowdfunding service in the euro area that offers both peer-to-peer lending to consumers and loan-based crowdfunding to businesses. Fellow Finance is an Authorized Payment Institution supervised by the Financial Supervisory Authority of Finland and it is listed on Nasdaq First North Growth Market Finland Marketplace. The biggest owners are the founders of Fellow Finance and Taaleri Plc listed on Helsinki Stock Exchange. Fellow Finance is headquartered in Helsinki, Finland.


Our crowdfunding service operates on the market-based auction principle. The interest rate of a loan is based on the offers from investors to a borrower. The investor decides the rate he is willing to lend and the borrower the rate he is willing to accept the loan offer. Thus, the loan terms are decided between the investors and the borrower. The market-based auction principle ensures that the borrower will be presented always the lowest offers. The lowest offers will then be consolidated as a single loan offer and even though the loan is funded by several investors, the borrower will have only one loan to repay. Fellow Finance manages all administration between the parties and takes care that interests and capital repayments are distributed to the investors.


Large companies have had the opportunity to apply for funding by emitting bonds for years. Now, Fellow Finance enables this option for smaller companies as well by maintaining a marketplace where companies can apply for loan-based crowfunding directly from investors. In other words, a creditworthy company, regardless of its size, can access a market-based funding channel nowadays. This gives to companies one more alternative when applying for funding.


At our marketplace, any individual or company can start investing in consumer and business loans and by doing so, access an investment option that has previously been only available for banks and insitutional investors. Fellow Finance idenifies and evaluates loan applicants. As an investor, you can choose whom you are willing to lend and at which terms. Monthly interests and capital repayments can be easily re-invested to new loans, which allows investors to benefit from compound interest. As returns from investing in consumer and business loans does not correlate significantly with the stock or bond market performance, investing through Fellow Finance serves as an excellent option for diversification of assets. Try the new investment format for free of charge and with a limited credit loss risk at the largest crowdfunding platform in the Northern Europe by registering into the service already today.

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