Company profile: Lender & Spender
1.1 - Company Overview
Company description
- Provider of consumer loans directly funded by private individuals, offering online personal loans with fixed low interest rates, no hidden fees, digital application and signing, and a peer-to-peer lending platform for individuals to invest in consumer loans, featuring strict acceptance criteria and automatic diversification to deliver a better risk-return ratio.
Products and services
- Peer-to-Peer Lending: Operates a risk-optimized platform enabling individuals to invest directly in consumer loans, with strict acceptance criteria and automatic diversification to improve risk-return ratios
- Personal Loans: Offers paperless consumer loans featuring a fixed low interest rate, no hidden fees, and seamless online application with document upload and digital signing
- Direct Bank-Free Funding: Delivers a bank-independent lending model where consumer loans are funded directly by private individuals without bank intervention, aligning capital availability with borrower demand
Key contacts
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Financial details
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1.2 - Competitors and similar companies to Lender & Spender
Finpoint
HQ: United Kingdom
Website
- Description: Provider of an SME finance platform that helps SMEs and advisors choose finance options and capture requirements in one application, securely shareable with hundreds of lenders and financiers. Also provides technology to leading industry bodies. Funding partners include high street banks, crowdfunding platforms, trade finance houses, family offices, specialist funds, and asset-backed lenders.
- 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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Stilt
HQ: United States
Website
- Description: Provider of financial services for immigrants, visa holders, and the underserved, using proprietary and public data to predict creditworthiness for those with limited or zero credit history. Offers a lending platform with short-term loans to expatriates and non-citizens at lower interest.
- Rationale: This competitor operates in a highly similar market segment with overlapping features.
- Company type: Private company
- Employees: ●●●●●
- Total funding raised: $●●●m
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- Acquisitions: ●●
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Ftrans
HQ: United States
Website
- Description: Provider of a complete accounts receivable and credit management software solution for businesses and financial institutions, enabling more efficient operations and greater access to capital.
- 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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Baker Hill
HQ: United States
Website
- Description: Provider of banking process solutions for U.S. financial institutions. Offerings include Baker Hill Advisor, a solution to manage, enhance, and redefine client relationships by integrating sales management, client profitability, and portfolio management. Also builds software solutions focused on small business lending.
- 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 Baker Hill company profile →
Habito
HQ: United Kingdom
Website
- Description: Provider of digital mortgage brokerage services offering free mortgage guidance and online applications, Mortgage in Principle certificates without a credit check, and remortgaging support with advice on staying with or switching lenders. Also offers Habito Plus, a comprehensive home-buying service with property survey, legal work, and a personal customer success expert, starting from £2,000.
- 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 Habito 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 Lender & Spender
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Buyer group 3: ████████ ████████
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3. Investors and private equity firms
3.1 - Buyout funds investing in similar companies to Lender & Spender
2.2 - Growth funds investing in similar companies to Lender & Spender
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4 - Top valuation comps for Lender & Spender
4.2 - Public trading comparable groups for Lender & Spender
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