International financial services for businesses and consumers
Saldo has more than 10 years experience in the financial sector in Finland. Over the years, the company has expanded both its product range and where it operates. Saldo provides financial services to consumers and SMEs in Finland, Sweden and Lithuania. The company's own advanced loan system ensures responsible lending and supports business growth internationally.
Our goal is to create fast and automated financial services that fulfil our customers’ daily needs. All our systems are designed and created in-house, that is, by our own financial and technology professionals. We currently employ more than 30 professionals in various fields across three countries. All our professionals together make Saldo the best in the market.
Saldo's vision is to be an internationally renowned and trusted financial services partner, whose advanced technology enables seamless purchases and payments across various sales channels.
Saldo Financial services
Saldo currently operates in three countries: Finland, Sweden and Lithuania. Saldo's own automated credit approval system enables loan services to be tailored to the specific characteristics of the market of each market it operates in. With our proprietary scoring system, it’s possible to check a customer’s solvency and financial position whichever country they are based in. This way we’re in a position to provide a suitable loan service based on solvency and the individual financial circumstances of the customer.
Saldo continues to expand
Saldo is strongly focused on international expansion and the launch of new products. In the future, Saldo will continue to expand geographically in line with its strategy and increase its product portfolio by country.
As well as expanding, Saldo is also committed to continue investing in responsible lending. The company was the first in Finland to introduce measures in accordance with PSD2 for reviewing account information. Saldo also became one of the first lenders to utilize ”open banking” information. This enables safer and more responsible lending for both Saldo and its customers.
Saldo has increased its responsibility by launching Saldo Safe loan insurance in Finland. Saldo’s customers can use loan insurance as a financial safety net, even during times when personal solvency may be an issue. With the help of Saldo Safe, loans are insured in the event of unemployment, incapacity for work and death.
Geographical expansion continues to progress in a controlled manner, taking into account each country's market. Saldo will also continue to recruit extensively, offering industry professionals the opportunity to work at any of Saldo’s locations.
Saldo all over the world
Saldo has offices in Finland, Sweden and Lithuania. In Finland, Saldo operates in both Turku and Helsinki. Customer service is not based at our offices, however our customer service is easily contactable at kundtjanst@saldo.com, on +46 (0) 8 4650 1931 or through the chat service on our website.
Saldo’s strategy
Saldo's strategy is to act as a responsible lender and provide technologically advanced financial services to both customers and partners. We follow good lending practices and laws and regulations set by the authorities in all locations where we operate.
Saldo's automated lending system enables the business to scale, as well as enjoy profitable international growth. Our own scoring system allows us to check the customer's solvency and financial health, therefore basing the loan we offer on each customer's individual circumstances. Our system also connects easily to partner systems.
We value the well-being of our employees and provide them the opportunity for continuous development and learning. As a result, our employee turnover is low. Saldo employs a committed, professional and internationally experienced team.
Saldo is also in the process of expanding its sales channels and customer base through a partnership model. In addition, we’re constantly developing new financial services for various sales channels. Growing demand also supports Saldo's business and the regulation of the industry creates new opportunities. Our own financial technology, automated processes, and scalable and responsible operations make Saldo an attractive investment opportunity.
Saldo’s values
For us, responsibility means being both a reliable partner and employer. We are responsible lenders who take our customers' solvency into account and always comply with relevant laws and regulations.
From the outset, we have invested in the continuous development of our own financial technology. We always utilize the latest technology, such as artificial intelligence and machine learning. We want to continue to provide our customers and partners with the most technologically advanced solutions in the field.
We encourage our professional staff to continuously develop their own skills and business - technology at the forefront. At Saldo, our employees are responsible for innovation and Saldo is responsible looking after all its employees.
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Finnish fintech Saldo Finance received ECB’s specialised banking licence
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Saldo Is One Of The Largest Fintechs In Finland, Exceeding The Average Industry Growth By 59% For 2019
Saldo Finance, a leading provider of automated credit solutions in Finland, is expanding to Sweden
Financial report
Q3 2021 Saldo expanded operations in Sweden
International growth and SME loan services in focus
From Finland to the world: plans for internationalisation progress
Saldo continued towards becoming an international financial institution