International financial services for businesses and consumers
Saldo has more than 10 years’ experience in Finland’s financial sector. Over the past decade, the company has expanded its product range and its number of locations. Today, 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 meet the everyday needs of our customers. All our systems are designed and created in-house, by our team of financial and tech experts. We currently employ more than 40 professionals in various fields across three countries. Together they make Saldo the best in the market.
Saldo's vision is to be an internationally renowned and trusted financial services partner, with advanced technology that enables seamless purchases and payments across various sales channels.
Saldo Financial services
Saldo currently operates in three countries: Finland, Sweden and Lithuania. Saldo's automated credit approval system enables loan services to be tailored to the specific characteristics of the market it’s operating in. With our proprietary scoring system, it’s possible to check a customer’s solvency and financial position, no matter where they’re based. This way we can 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.
Saldo is also committed to 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 utilise ”open banking” information. This enables safer and more responsible lending for 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 might 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 (Turku and Helsinki), Sweden and Lithuania. Contact our friendly customer service team any time at kundtjanst@saldo.com, on +46 (0) 8 4650 1931 or through the chat service on our website.
Saldo’s strategy
Saldo's is a responsible lender that provides technologically advanced financial services to its customers and partners. We follow good lending practices and abide by the laws and regulations set by the authorities in all operational locations.
Saldo's automated lending system is enabling the business to scale, with profitable international growth. Our scoring system offers insight into customers’ solvency and financial health, mitigating risk and enabling us to offer loans tailored to each customer's individual circumstances. Our system also connects easily to partner systems.
We value the wellbeing of our employees and provide them the opportunity for continuous development and learning. 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 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 utilise the latest technology, such as artificial intelligence and machine learning. We will 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 skills, and we keep business technology at the forefront of everything we do. Our team is responsible for innovation, and Saldo is responsible for looking after its team.
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Finnish fintech Saldo Finance received ECB’s specialised banking licence
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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