ABF WatchEuropean Fintech Credit Tracker

European fintech credit facilities

The European Fintech Credit Tracker: warehouse lines, forward-flow agreements, securitisations and other debt raised by European fintech and specialty lenders, from public announcements. Every row links to its source. Free to use.

124deals since 6 Jan 2025
70borrowers
60named funders
94 of 124confirmed by the company or funder (what this means)
£16.75bn · €11.82bn · $5.3bn · PLN 685mdisclosed facility sizes, by currency
Signals31 UK register filings not matched to any announced dealFunder finderWho has funded which kind of lending, where, and at what sizeMarketDeals and volume by quarter, deal type and asset class

Confirmed: announced by the borrower or a funder itself. Reported: reported only by press or an adviser, not by the companies involved. How we check

DateBorrowerTypeSizeFundersAssetsSource
YounitedFRPublic securitisation€223.3mNot disclosedConsumer loansReported
Lovey (formerly Love Finance)GBCredit facilityup to £250mPollen Street CapitalSME loansConfirmed
Admiral MoneyGBPublic securitisation£548.91mLloyds, Bank of AmericaConsumer loansReported
LiveMoreGBPublic securitisation£212mNot disclosedResidential mortgagesConfirmed
LendcoGBPublic securitisation£455mNot disclosedResidential mortgagesReported
LendableGBPublic securitisation£917.55mNot disclosedConsumer loansReported
ID FinanceESAsset-backed facilityUndisclosedi80 GroupConsumer loansConfirmed
Capital on TapGBPublic securitisation£517.5mNot disclosedBusiness credit cardsReported
LendInvestGBPublic securitisation£300mNot disclosedResidential mortgagesReported
YounitedFRWarehouseup to €300mSociete GeneraleConsumer loansConfirmed
Ayan CapitalGBCredit facilityup to £75mTriple PointAutoConfirmed
ClooverDECredit facility$100mEuropean Investment FundHome solar and heat pumpsConfirmed
ID FinanceESCredit facility€21mnordIXConsumer loansConfirmed
Funding CircleGBCredit facilityup to £500mCastlelakeSME loansConfirmed
auxmoneyDEPublic securitisation€558.3mNot disclosedConsumer loansReported
9Y CapitalGBForward flowUndisclosedKroo BankProperty bridgingConfirmed
WayflyerIEForward flow$1.5bnFortress Investment GroupRevenue-based financeConfirmed
EnpalDEPublic securitisation€367mCiti, Barclays, Bank of America, Crédit Agricole CIB, M&GHome solar and heat pumpsConfirmed
PlendGBRevolving credit facilityup to £50mTriple PointConsumer loansConfirmed
SatispayITPrivate securitisation€30mCredito Lombardo Veneto, Banca FinintBuy now, pay laterReported
Haydock FinanceGBPublic securitisation£365mNot disclosedEquipmentConfirmed
iwocaGBCredit facility£250mWAM Capital (Waterfall Asset Management), Unnamed UK bankSME loansConfirmed
ESTOEERevolving credit facilityUndisclosedMagnetiq BankConsumer loansBuy now, pay laterConfirmed
NewDayGBPublic securitisation£380mNot disclosedCredit cardsConfirmed
Hope Capital Property FinanceGBCredit facility£75mTriple PointProperty bridgingConfirmed
LendableGBPublic securitisation£500mNot disclosedConsumer loansReported
Pepper Finance CorporationESWarehouseup to €500mSociété GénéraleConsumer loansReported
YounitedFRPublic securitisationc. €200mNot disclosedConsumer loansConfirmed
AriaFRPrivate securitisation€240mNomura, FostInvoices and receivablesReported
KlarnaSEForward flow€900mNot disclosedConsumer loansConfirmed
MS Lending GroupGBCredit facility£230mPollen Street CapitalNot disclosedConfirmed
AUTO1 GroupDEPublic securitisation€236.3mCitigroup, Crédit Agricole CIBAutoConfirmed
Paratus AMC (Foundation Home Loans)GBPublic securitisation£515.81mNot disclosedResidential mortgagesReported
Elect CapitalGBCredit facilityUndisclosedPollen Street CapitalSME loansConfirmed
MCL FinanceGBCredit facilityUndisclosedPollen Street CapitalSME loansConfirmed
InSoilLTCredit facility€120mPollen Street CapitalEquipmentSME loansConfirmed
PragmaGOPLRevolving credit facilityPLN 110mING Bank ŚląskiInvoices and receivablesSME loansConfirmed
BeequipNLPublic securitisation€500mNot disclosedEquipmentReported
Funding CircleGBPublic securitisationUndisclosedWaterfall Asset Management, British Business BankSME loansConfirmed
NordecumLTCredit facility€16mMultitude BankConsumer loansConfirmed
Propel FinanceGBWarehouse£75mBritish Business BankEquipmentConfirmed
CrediNordFIAsset-backed facilityUndisclosedThiele Capital ManagementMerchant cash advanceConfirmed
Funding CircleGBForward flow£200mDeutsche BankSME loansConfirmed
Zintra CapitalESAsset-backed facilityUndisclosedPollen Street CapitalSME loansConfirmed
GlenhawkGBForward flowUndisclosedKroo BankProperty bridgingConfirmed
WealthonPLForward flowc. PLN 500mUniCreditSME loansReported
Oodle Car FinanceGBPublic securitisation£383.6mCiti, Société Générale, Jefferies, BNP ParibasAutoReported
LendcoGBPublic securitisation£519mNot disclosedResidential mortgagesReported
Funding CircleGBCredit facility£320mNot disclosedSME loansBusiness credit cardsConfirmed
auxmoneyDEPublic securitisation€432.4mNot disclosedConsumer loansReported
NewDayGBPublic securitisation£332.5mNot disclosedCredit cardsReported
KlarnaSEForward flow$2bnElliott Investment ManagementConsumer loansConfirmed
Propel FinanceGBPublic securitisation£306mBank of America, Citi, British Business BankEquipmentConfirmed
YouLendGBForward flowup to $225mVärde PartnersRevenue-based financeConfirmed
Inhale CapitalGBRevolving credit facilityup to £50mTriple PointProperty bridgingConfirmed
WayflyerIECredit facility$250mATLAS SP PartnersRevenue-based financeConfirmed
Funding CircleGBForward flow£700mWaterfall Asset Management, CitiSME loansConfirmed
Sancus GroupGBCredit facility£300mPollen Street CapitalProperty bridgingConfirmed
Momenta FinanceGBForward flow£125mUnnamed US investment bankSME loansConfirmed
BCASESCredit facility€30mMyInvestorStudent loansReported
LendInvestGBForward flowup to £250mCastlelakeProperty bridgingConfirmed
ClooverDECredit facility$1.2bnUnnamed European bank, European Investment FundHome solar and heat pumpsConfirmed
Kikin FinancialGBCredit facilityup to $20mPercentSME loansConfirmed
MCL FinanceGBCredit facility£50mPollen Street CapitalNot disclosedConfirmed
KarmenFRCredit facility€50mSienna Investment ManagersSME loansInvoices and receivablesConfirmed
EnpalDEPublic securitisation€302.9mBank of America, Barclays, Citi, Crédit Agricole CIB, M&GHome solar and heat pumpsConfirmed
Morpheus LendingGBCredit facility£110mPollen Street CapitalProperty bridgingConfirmed
MonduDECredit facility€100mJ.P. Morgan PaymentsB2B buy now, pay laterConfirmed
ScalapayITTerm loan€70mEuropean Investment BankBuy now, pay laterConfirmed
Oodle Car FinanceGBPublic securitisation£393.75mSociété Générale, BNP Paribas, Citi, JefferiesAutoReported
BeequipNLPublic securitisation€500mBNP Paribas, Bank of America, CitibankEquipmentReported
ESTOEECredit facility€25mMultitude BankConsumer loansBuy now, pay laterConfirmed
Plata FinanceGBPublic securitisation£260.93mBarclays, JefferiesConsumer loansReported
Capital on TapGBPublic securitisation£500mNot disclosedBusiness credit cardsConfirmed
PragmaGOPLRevolving credit facilityPLN 80mING Bank ŚląskiInvoices and receivablesSME loansConfirmed
KlarnaSEForward flow$1bnElliott Investment ManagementConsumer loansConfirmed
ZilchGBPrivate securitisationUndisclosedDeutsche BankBuy now, pay laterConfirmed
SpotawheelGRCredit facilityUndisclosedPollen Street CapitalAutoConfirmed
LendcoGBPublic securitisation£360mNot disclosedResidential mortgagesReported
Placet GroupEECredit facility€12.5mMultitude BankConsumer loansConfirmed
PragmaGOPLRevolving credit facilityPLN 75mSGB-BankInvoices and receivablesSME loansConfirmed
LendInvestGBPublic securitisation£310.6mNot disclosedResidential mortgagesConfirmed
EnpalDEWarehousec. €700mM&G, Citi, Barclays, Bank of America, Crédit Agricole CIBHome solar and heat pumpsConfirmed
Creditstar GroupEECredit facility$10mKildeConsumer loansConfirmed
auxmoneyDEPublic securitisation€950mNot disclosedConsumer loansConfirmed
YounitedFRWarehouse€400mCitiConsumer loansConfirmed
Lovey (formerly Love Finance)GBCredit facility£45mParagon Bank, LGB Capital MarketsSME loansConfirmed
TeylorCHCredit facility€150mFasanara CapitalInvoices and receivablesSME loansConfirmed
Funding CircleGBForward flow£300mTPG Angelo Gordon, BarclaysSME loansConfirmed
TRIVERGBCredit facilityup to £100mHSBC Innovation Banking UK, Avellinia CapitalInvoices and receivablesConfirmed
AUTO1 GroupDEPublic securitisation€249mCitigroup, BNP ParibasAutoConfirmed
Funding CircleGBForward flow£750mWaterfall Asset Management, BNP ParibasSME loansConfirmed
FactrisNLCredit facility€100mBrand New Day BankInvoices and receivablesReported
KlarnaSEWarehouseup to €1.4bnSantanderNot disclosedConfirmed
KlarnaSEForward flowUndisclosedNelnetBuy now, pay laterReported
ScalapayITPrivate securitisation€275mNot disclosedBuy now, pay laterReported
SunsaveGBPrivate securitisationup to £100mCrédit AgricoleHome solar and heat pumpsConfirmed
DefactoFRPrivate securitisation€300mCiti, Viola CreditSME loansReported
Funding CircleGBForward flow£200mDeutsche BankSME loansConfirmed
NewDayGBPublic securitisation£380mNot disclosedCredit cardsConfirmed
LiveMoreGBPublic securitisation£215mNot disclosedResidential mortgagesConfirmed
re:capDECredit facility€125mHSBC Innovation Banking UK, Avellinia CapitalRevenue-based financeConfirmed
CarmoolaGBPrivate securitisationup to £300mNatWest, Chenavari Investment ManagersAutoConfirmed
Sancus GroupGBCredit facilityup to £200mPollen Street CapitalProperty bridgingConfirmed
Funding CircleGBCredit facility£230mCitiSME loansBusiness credit cardsConfirmed
Haydock FinanceGBPublic securitisation£380mNot disclosedEquipmentConfirmed
Capital on TapGBPrivate securitisation£650mSMBC Group, Société Générale, LloydsBusiness credit cardsConfirmed
Funding CircleGBPublic securitisationUndisclosedWaterfall Asset Management, BNP Paribas, CitiSME loansConfirmed
Plata FinanceGBPublic securitisation£257.25mBarclays, JefferiesConsumer loansReported
MSP CapitalGBCredit facility£150mPollen Street CapitalProperty bridgingConfirmed
TideGBPrivate securitisation£100mFasanara CapitalSME loansConfirmed
Funding CircleGBCredit facilityUndisclosedBayview Asset Management, J.P. Morgan, CitiSME loansConfirmed
RatepayDEPrivate securitisation€125mUniCreditBuy now, pay laterConfirmed
auxmoneyDEPublic securitisation€425mNot disclosedConsumer loansConfirmed
NewDayGBPublic securitisation£332.5mNot disclosedCredit cardsConfirmed
YounitedFRPublic securitisationc. €250mCiti, BNP ParibasConsumer loansConfirmed
AboundGBCredit facilityup to £250mDeutsche BankConsumer loansConfirmed
FlowpayCZCredit facility€30mFasanara CapitalSME loansReported
Capital on TapGBRevolving credit facility£200mBlue Owl CapitalBusiness credit cardsConfirmed
Capital on TapGBPrivate securitisation£550mBNP Paribas, CitiBusiness credit cardsConfirmed
ESTOEERevolving credit facility€4.9mCitadeleConsumer loansBuy now, pay laterConfirmed
FINNDEPrivate securitisationup to €1bnCiti, Jefferies, Avellinia CapitalAutoConfirmed
WealthonPLCredit facilityup to PLN 500mFortress Investment GroupSME loansReported
UpstreamGBCredit facilityUndisclosedPollen Street CapitalSME loansConfirmed

Most recent announcement: 29 Oct 2026. Totals are not converted between currencies. Sizes are headline facility sizes as announced, including uncommitted accordions where marked "up to". An enlarged or replaced facility is counted once, at its latest size.