Business Financing

  • Business loan
  • Invoice funding
  • 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

835 987


602 M€


15 862


Investor returns

The information on this presentation is not an offer to invest in peer-to-peer consumer loans or crowdfunded business loans nor may it be construed as a suggestion to engage in such activities, unless otherwise agreed upon. The client is responsible for the financial results of their investment activities. Investment activities always involve financial risk. Invested capital can be lost either entirely or in part and the sought-after profits may never be realized. Past performance is not a guarantee of equivalent performance in the future. The benchmark index does not include dividends.

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How Fellow Finance Crowdfunding Works?

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 Sweden Since May 2018
Population 9.9 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 in terms of intermediated capital indicating safe transactions between borrowers and investors. Our digital lending platform enables companies and consumers to apply financing directly from lenders at market-based pricing. In fact, we are the only crowdfunding service in the eurozone that provides the possibility to invest in both consumers and business loans via the same platform. Fellow Finance is an Authorized Payment Institution supervised by the Financial Supervisory Authority of Finland and it is listed on Nasdaq First North Finland. The biggest owners are the founders of Fellow Finance and Taaleri Plc listed on Helsinki Stock Exchange. Fellow Finance is headquartered in Helsinki, Finland.

Lend or borrow

Currently, peer-to-peer loans are available for German, Danish, Polish, Swedish and Finnish private borrowers. In addition, Finnish and Swedish companies can apply for crowdfunded business loans and invoice funding. Investors are both private individuals and institutions. Investing in loans is free of charge and the credit loss risk is capped. Try out the investor's live demo account to see how the service works.


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.


For years, large companies have had the opportunity to apply for funding by emitting bonds. 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 much with the stock or bond market performance, investing through Fellow Finance serves as an excellent option for diversification of assets. The investing is free-of-charge and the credit loss risk is capped. Fellow Finance team has a long and proven track-record in successful credit risk analysis. Open an investor account and start investing.

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