Company profile: Aura
1.1 - Company Overview
Company description
- Provider of fair, affordable personal loans to working families in America, as a technology-powered Community Development Financial Institution. Offers credit-building loans from $300 to $6,000 with a 35.99% APR cap, repayable over 12–48 months with fixed payments and no prepayment penalties, serving underbanked and unbanked communities using proprietary scoring algorithms.
Products and services
- Community Development Financial Institution Lending: CDFI-certified, mission-driven programs deliver fair, affordable loans to working families, strengthening financially healthy low-income communities and empowering underbanked and unbanked Americans
- Personal Loans: APR-capped consumer finance products offering $300–$6,000 with 35.99% APR maximum, fixed payments over 12–48 months, credit-building benefits, and no prepayment penalties for working families
- Proprietary Scoring Algorithms: Custom-engineered, algorithmic models review borrowers, powering Aura’s technology-enabled, fair and affordable lending and credit-building services for underbanked and unbanked working families
Key contacts
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Financial details
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1.2 - Competitors and similar companies to Aura
Own Up
HQ: United States
Website
- Description: Provider of a home loan marketplace and technology to find fair mortgage deals. Offers a platform to shop and compare rates from top lenders, a dedicated home advisor service, personalized profiles with tailored insights, a preapproval letter generator, and a mortgage comparison tool so borrowers know what they should pay and don't overpay.
- 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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LoanSnap
HQ: United States
Website
- Description: Provider of mortgage solutions that give borrowers a clear view of their finances and highlight potential monthly savings. Offerings include Smart Loans that consider full financial profiles, mortgage refinance, HELOCs, VA and FHA loans, and non-conforming loans. Currently serves residents of California, Florida, Illinois, Colorado, and Tennessee.
- 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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Instant Credit
HQ: Spain
Website
- Description: Provider of a pan-European online credit origination platform focused on digital channels, enabling instant, fully online credit approval for installment purchases. Improves consumer access to financing, boosts merchants' sales, and gives partner financial institutions access to new, high-volume lines of business and customers.
- 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 Instant Credit company profile →
Spectral
HQ: United States
Website
- Description: Provider of a protocol for programmable creditworthiness, leveraging on-chain data to deliver credit risk insights that optimize partners’ business decisions and offerings, while enabling users to access new financial opportunities. Offers the Multi-Asset Credit Risk Oracle (MACRO) Score, an on-chain equivalent to a traditional FICO score.
- 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 Spectral company profile →
StackSource
HQ: United States
Website
- Description: Provider of a tech-enabled online platform for commercial real estate financing, connecting investors developing or acquiring properties with 1,000+ capital sources, including banks, insurance companies, private equity firms, and debt funds. Offers capital advisory services, a transparent fee charged only at closing, and facilitates debt and equity financing with multiple quote comparisons.
- 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 StackSource 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 Aura
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Buyer group 2: ████████ ████████
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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 Aura
2.2 - Growth funds investing in similar companies to Aura
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4 - Top valuation comps for Aura
4.2 - Public trading comparable groups for Aura
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