Oper Credits provides a white‑label SaaS solution that digitises mortgage lending for banks, positioning itself as a leading provider in Belgium and Switzerland. The product emphasizes smart data integration to gather payroll, income and spending information and process it in a mortgage context to reduce time‑to‑yes. Management describes the offering as fitting a post‑branch, hybrid strategy many retail banks are moving toward. Oper has closed around €1bn of mortgage loans and serves 13 clients, with plans to double that number in the next year. The company employs 45 people across 16 cities and 12 nationalities, with offices in Antwerp, Zurich and Minsk. With the new funding it will increase investment in R&D and recruitment and expand into France, Germany, Austria, the Czech Republic and Slovakia. Oper, founded in 2018 and based in Zurich, offers a launch pad for digital credit products using out-of-the-box modules and integrations from a fintech partner app store. Its core customers are credit providers, whom Oper helps to launch digital credit products in a matter of days. The startup has digitized mortgage processes for lenders in three European countries and helped an Austrian bank cut credit decision processing time from days to minutes. Oper currently has a team of 10+ employees. The company plans to use recent funding to grow the team, continue product development, and expand its solution across more European markets. The business focuses on accelerating adoption of cloud-based SaaS solutions for credit providers.

Total raised

$12M

Funding rounds

2

Latest round

Series A

Latest activity

Jul 2022