Led · Debt Financing · Jun 2025

Carmoola provides a ‘finance-first’ platform that lets car buyers arrange financing before visiting a dealership, removing the need for broker or forecourt intermediaries. The company positions its service as simple, transparent and affordable, empowering consumers with greater control over the car-buying process. Its direct-to-consumer model has resonated strongly, with customer numbers reportedly doubling year-on-year. By focusing on technology-led lending, Carmoola aims to deliver faster approvals and better pricing compared with traditional lenders. The fintech has now secured more than £540 million in total funding, reinforcing its capacity to scale. Leadership highlights that the enlarged capital base will support rapid deployment of loans while maintaining an industry-leading customer experience. The new funding also triples the firm’s prior debt capacity, underscoring accelerating demand for its product.

Participated · Equity · Apr 2021

Auxmoney operates a digital consumer-lending platform that uses a proprietary scoring technology based on digital data and advances in AI to underwrite loans and attract institutional capital. The company offers investors access to truly digital consumer lending and aims to expand lending across the credit spectrum. Leadership says additional funding and strategic partnerships will enable more people to borrow at competitive rates and further financial inclusion. The latest debt commitment is intended to scale the company’s consumer loans business. auxmoney has significant institutional backing and emphasizes its tech-enabled underwriting and continuous improvement of its offering. The company is headquartered in Düsseldorf and highlights strong investor trust in digital lending as an asset class. auxmoney is a Düsseldorf, Germany-based digital-lending platform for consumer credit in Europe. The company operates a marketplace for consumer loans and recently secured a €250m investment to support those marketplace loans. Through its investment arm, auxmoney is co-investing alongside institutional partners and provides fully automated onboarding, risk assessment and investor reporting. It announced in November 2020 that it would begin investing in loans on its own marketplace, and this transaction marks its first co-investment alongside Citigroup and Chenavari Investment Managers. auxmoney relies on proprietary risk models and a scorecard that leverages advances in machine learning to facilitate investor access to a truly digital asset class. Led by CEO Raffael Johnen, the company aims to improve access to affordable credit while reducing the risk and cost of lending. auxmoney is a Düsseldorf, Germany-based credit marketplace that enables private and institutional investors to invest in pre-proven borrowers. Led by CEO and co-founder Raffael Johnen, the company operates a technology platform that uses technological innovations and advanced digital risk assessment methods. The company reports that the volume of loans paid out has increased more than twenty-fold in the last five financial years. auxmoney intends to use new funding to further develop its tech platform and expand its market opportunities. The articles do not disclose revenue or user counts. auxmoney operates an online peer-to-peer lending marketplace that connects credit-worthy personal-loan applicants with individual and institutional investors. The platform assesses applicants' risk and enables investors to lend directly to individuals or spread capital across multiple loans. Led by co-founder and CEO Raphael Johnen, the company focuses on personal loans. In 2015 auxmoney tripled its loan volume to nearly €100m, up from €33.1m in 2014. The company intends to use newly raised funds to increase marketing efforts and expand operations. The article describes the financing as an eight-digit funding round backed by venture investors. auxmoney operates an online marketplace that enables private borrowers to secure personal loans funded by private and institutional investors. The platform uses a proprietary scoring system that combines consumer scoring knowledge with online social and behavioural data. Private consumers can borrow up to €25,000. The company has facilitated almost 20,000 loans totaling $140M, with over 50% of volume issued in the prior 12 months. auxmoney plans to use new funding to grow operations, further enhance its lending and investment platform, and expand its 60-strong team. The company was founded by Raffael Johnen, Philipp Kriependorf and Philip Kamp in 2007.

Led · Equity · Jun 2019

Finexkap is an early pioneer in working-capital financing, offering invoice financing and factoring to SMEs in continental Europe. Companies can access credit directly on Finexkap's site or via B2B partners using its API. Since launch the platform has provided approximately €300 million in working-capital financing to more than 1,800 customers. The company has set a goal to finance €1 billion of invoices by 2021. The recent funding is intended to support platform growth and expand financing capacity through an investment fund managed by Finexkap Asset Management, a wholly-owned subsidiary. Management says the capital provides sufficient resources to support origination growth over the next two years. Finexkap operates a web platform that purchases small and midsize enterprises' receivables to provide short-term working capital. It is described as the first French working-capital financing platform to buy SMEs' receivables online. The company has raised $22.5M in total, including a $7.5M Series A equity round and a further $15M earmarked to finance the platform’s initial deals. Series A proceeds will be used to ramp up data and product operations, marketing, and hiring. GLI Finance contributed $4.1M of the Series A, and the $7.5M Series A equates to a 26.44% ownership stake. The fundraising responds to a large market need: short-term financing issues are responsible for more than 25% of French corporate bankruptcies.