Anyfin raises €4.8 million Series A led by Accel and Northzone to save consumers money on existing loans in seconds

Anyfin AB21. Februar 2018

Anyfin raises €4.8 million Series A led by Accel and Northzone to save consumers money on existing loans in seconds

Stockholm and London, 21st February 2018: Anyfin, a Stockholm-based startup that enables consumers to refinance their existing loans with a picture, today announces a €4.8 million Series A investment led by Accel and Northzone. Global Founders Capital and angel investors, including consumer finance executives and international fintech entrepreneurs, also participated in the round.

At the point when a loan is originated, lenders have very little access to information about a consumer – particularly around repayment history - and often have a monopoly over their distribution channel. Consequently, many consumers with good credit scores are being overcharged for money they borrow. What’s more, the process to refinance existing loans through traditional banks or brokers requires a lot of paperwork and can take weeks.

By leveraging more publicly available consumer data and by using AI and modern mobile technology, Anyfin enables consumers to refinance their existing loans within seconds simply by taking a picture of their loan statement. Consumers send Anyfin the picture through a channel of their choice, like SMS, email or Facebook Messenger, and the company replies with an option to refinance the loan at a better price. With one tap, the consumer accepts the new option from Anyfin, and the company takes care of settling the existing loan for them. Aside from a better price, the terms of the new loan mirror those of the existing loan.

Mikael Hussain, CEO and co-founder of Anyfin, said: “In the Nordics and across continental Europe, consumers are paying way too much for finance - often in excess of 25% annually on part payments and credit cards, even those with good credit scores. We want to build a financial services company that’s truly on the side of the consumer. Anyfin makes it as simple as possible to refinance a loan, setting a new standard for fairness and transparency and giving consumers the rate they deserve. Today’s investment will give us the opportunity to bring our solution to more and more people.”

The service is currently available in Sweden, where it is addressing the ~€20 billion in unsecured consumer debt outstanding nationally*. The investment will be used to help accelerate Anyfin’s growth, which includes building its balance sheet, user acquisition, hiring, product development and partnerships.

Anyfin launched in November 2017. Its founders, Filip Polhem, Mikael Hussain and Sven Perkmann, wanted to create a consumer-centric financial services company that offered a great experience to the customer. They have extensive experience in consumer finance, assessing credit risk and technology, having previously held leading roles at some of Sweden’s top tech companies, including iZettle, Klarna and Spotify.

Seth Pierrepont from Accel will join the board as part of the investment. He said: “We were immediately impressed by the Anyfin founders and their vision to create a financial services brand on the side of the consumer. Combining their knowledge in credit risk and expertise in consumer finance products, they have built a powerful yet simple way to offer a better consumer refinancing experience across Europe.”

Christoffer Norman at Northzone commented: “Anyfin addresses a real pain point for consumer borrowers with an intuitive solution. We are excited to partner with the team as they grow to give more consumers access to better deals on their loans.”


Johanna Eklund


Achtung! Alive GmbH

Elli Asbaghi

+49 (0)151 57017117



Anyfin Germany GmbH, Potsdamer Platz 10, 10785 Berlin. Handelsregister-Nr. Amtsgericht Berlin-Charlottenburg: HR 220911 B © 2024 Anyfin Germany GmbH hält eine Erlaubnis als Darlehensvermittler gemäß § 34c Sec. 1 Nr. 2 GewO ausgestellt vom Bezirksamt Mitte von Berlin.

Angaben gemäß § 17 Abs. 2 und 3 PangV:

Konditionen (bonitätsabhängig): Nettodarlehensbetrag aller refinanzierten Darlehen pro Kunde 10,00 € bis 20.000,00 €, effektiver Jahreszins 7,87 % - 20,82 %, variabler Sollzinssatz p. a. 7,60 % - 19.06 %, Laufzeit in Monaten/Anzahl Raten 1 bis 120, monatliche Rate 10,06 € bis 374,13 €, zu zahlender Gesamtbetrag 10,06 € bis 44.895,52 €.

Repräsentatives Beispiel gemäß § 17 Abs. 4 PAngV:

Nettodarlehensbetrag 1.000,00 €, effektiver Jahreszins 12,25 %, variabler Sollzinssatz p.a. 11,61 %, Laufzeit in Monaten/Anzahl Raten 24, monatliche Rate 46,89 €, zu zahlender Gesamtbetrag 1.125,42 €. Bonität vorausgesetzt. Darlehensgeber: Erik Penser Bank AB, Apelbergsgatan 27, Postfach 7405, SE-103 91, Stockholm, Schweden