Business Model

Ferratum Oyj, headquartered in Helsinki, Finland, is pioneer in the area of financial technology. As an international provider of mobile consumer loans and small loans to companies, Ferratum has expanded its operations since 2005 to 23 countries. Ferratum has 1.2 million active customers and former customers who have been granted one or more loans in the past and 3,651,818 total user accounts in its database (as of December 2015). Its business is designed for easy and transparent loans and can be accessed through the internet or mobile devices with loan approval usually occurring within minutes after a multitude of financial background checks and profiling.

Ferratum´s Credit and Payment Products serve different customer requirements: Customers can apply for Microloans varying between € 25 and € 1,000, PlusLoans (€ 300 – € 3,000), a Credit Limit product (€ 0 – € 2,000) and the secure and flexible e-commerce payment solution Ferbuy (€ 0 – € 2,000). Moreover, Ferratum offers successful small businesses installment loans with a term of six to twelve months. These loans can be applied in the amount of EUR 2,000 to 50,000 by means of a simple and short application process.

The EU banking licence acts as an important milestone for the market expansion: Ferratum Bank Plc, one of the subsidiaries of Ferrratum Oyj, is a licensed credit institution with a banking licence in Malta which is used via cross-border provision of services in several EU member states.

Ferratum Oyj is listed in the Prime Standard Segment of the Frankfurt Stock Exchange and on the SDAX index of the German Stock Exchange.