Our vision is a world where household debt problems can be solved without disrupting the lives of families, and where lenders support in the creation of those solutions. The cost of excessive household debt on society and individuals are minimized through the cooperation of responsible actors and the newest technologies.

Our service enables 12 months view on person's income and expenses on account statement row level with further analysis. Analysis can be used to understand person's capability to withdraw debt or invest. Core financing business of ours helps over-indebted people further with loan re-arrangement. Or to highlight savings and investment possibilities through cost analysis.

We first analyze the full 12months financial status of a person based on their real time financial data in their bank accounts. We collect the data, analyze it and see what is the real payment capability of a person. We help people with gambling problems to contact appropriate channels.

If a person...
Our vision is a world where household debt problems can be solved without disrupting the lives of families, and where lenders support in the creation of those solutions. The cost of excessive household debt on society and individuals are minimized through the cooperation of responsible actors and the newest technologies.

Our service enables 12 months view on person's income and expenses on account statement row level with further analysis. Analysis can be used to understand person's capability to withdraw debt or invest. Core financing business of ours helps over-indebted people further with loan re-arrangement. Or to highlight savings and investment possibilities through cost analysis.

We first analyze the full 12months financial status of a person based on their real time financial data in their bank accounts. We collect the data, analyze it and see what is the real payment capability of a person. We help people with gambling problems to contact appropriate channels.

If a person can survive a new cut loan of ca 20% within decent time with real payment capability we to to re-arrange all the loans.

We purchase loans from lenders and grand a new decent rated loan to person. Once the person has paid back to us we return 40% of the accord to them.

We finance loans from our own balance sheet with support of our responsible lenders.

Our service can be used to evaluate people finance capability for the basis of loan applications, savings buffer, credit rating, and many others.

The far - bad - end of the line is over-indebtedness. On the other hand the other end is capability to save and invest. Where on the line are your customers?
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Investors

Future Impact Builder
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Future Impact Builder Building real collaboration

Employees

Repe Harmanen
Admin
Repe Harmanen CEO https://www.linkedin.com/in/repeharmanen/