Company profile: RateSetter
1.1 - Company Overview
Company description
- Provider of a peer-to-peer lending platform enabling users to lend and borrow at self-set interest rates, primarily originating unsecured personal loans; arranging secured auto dealer and property financing; offering savings products through exclusive partnerships with intermediary service providers with FSCS coverage; and providing a digital hire-purchase vehicle financing product distributed via brokers for the UK market.
Products and services
- RateSetter Personal Loans: Unsecured personal lending enabling users to manage accounts online, view and update loan details, make extra repayments, and apply for additional funds within a peer-to-peer, user-set interest-rate marketplace
- RateSetter Vehicle Financing: Broker-distributed digital hire-purchase product targeting the UK vehicle-financing market, produced for delivery through intermediary brokers in vehicle finance
- RateSetter Savings Products: FSCS-covered savings products delivered via exclusive partnerships with intermediary service providers, enabling customers to access competitive rates backed by UK deposit protection
Key contacts
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Financial details
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1.2 - Competitors and similar companies to RateSetter
Timbercreek Financial
HQ: Canada
Website
- Description: Provider of non-bank structured financing solutions to commercial real estate investors, including first and second mortgages, acquisition and repositioning loans, mixed-use (retail/multi-family) financing, and construction completion/stabilization loans; an alternative asset investment company focused on short-duration loans offering risk-adjusted returns for investors.
- Rationale: This competitor operates in a highly similar market segment with overlapping features.
- Company type: Private company
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- Total funding raised: $●●●m
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View full Timbercreek Financial company profile →
TapCap
HQ: United States
Website
- Description: Provider of fully digital nationwide multifamily lending via a transparent, secure platform and app. Offers CRE small-balance loans ($1M–$7.5M) with flexible terms and prepayment options; end-to-end origination, underwriting, closing, and servicing; FHA permanent and construction loans for market-rate, affordable, mixed-income, healthcare, and senior housing; Fannie Mae DUS and Freddie Mac Optigo loans.
- Rationale: This competitor operates in a highly similar market segment with overlapping features.
- Company type: Private company
- Employees: ●●●●●
- Total funding raised: $●●●m
- Backers: ●●●●●●●●●●
- Acquisitions: ●●
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Snap Finance
HQ: United States
Website
- Description: Provider of consumer and merchandise financing via lease-to-own purchase options for brick-and-mortar and e-commerce merchants. Offers flexible payday-aligned payment plans with early buyout, a merchant partner program to boost sales and access, and consumer financial education resources.
- Rationale: This competitor operates in a highly similar market segment with overlapping features.
- Company type: Private company
- Employees: ●●●●●
- Total funding raised: $●●●m
- Backers: ●●●●●●●●●●
- Acquisitions: ●●
View full Snap Finance company profile →
Soligent
HQ: United States
Website
- Description: Provider of solar energy system modules, inverters, and components, plus project financing through affiliate CleanEnergyEngine, US distribution services, and training programs to support the installation and maintenance of solar energy systems.
- Rationale: This competitor operates in a highly similar market segment with overlapping features.
- Company type: Private company
- Employees: ●●●●●
- Total funding raised: $●●●m
- Backers: ●●●●●●●●●●
- Acquisitions: ●●
View full Soligent company profile →
Qwil
HQ: United States
Website
- Description: Provider of financial tools and solutions for individual contractors, freelancers, and small businesses. Offers an application to manage and spend earnings via the Qwil debit card, and enables users to earn and spend money before they are paid for services.
- Rationale: This competitor operates in a highly similar market segment with overlapping features.
- Company type: Private company
- Employees: ●●●●●
- Total funding raised: $●●●m
- Backers: ●●●●●●●●●●
- Acquisitions: ●●
View full Qwil company profile →
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2.M&A buyers
2.1 Potential strategic acquirers in the sector
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2.2 - Strategic buyer groups for RateSetter
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Buyer group 2: ████████ ████████
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Key Products: ████████, ████████, ████████, ████████
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Buyer group 3: ████████ ████████
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Key Products: ████████, ████████, ████████, ████████
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3. Investors and private equity firms
3.1 - Buyout funds investing in similar companies to RateSetter
2.2 - Growth funds investing in similar companies to RateSetter
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4 - Top valuation comps for RateSetter
4.2 - Public trading comparable groups for RateSetter
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