Moank Fintech Group
Moank Fintech Group is a Swedish financial holding company centered on lending and related fintech operations through its regulated subsidiary Moank AB. The group combines credit assessment, data-driven underwriting and AI-enabled processes with specialized financing activities that include secured lending, factoring and real-estate financing.
Fiscal year 2025 · change from previous year
Development 2023–2025
Business
Share of revenueLoans and credit facilities for companies and entrepreneurs.
Lending backed by collateral such as receivables, deposits or property.
Receivables financing with and without recourse.
Property-related lending through specialized group entities.
Customers
The group serves business borrowers that need working capital, receivables financing or other forms of tailored credit. Its lending is aimed at customers where collateral, insurance or structured repayment can support underwriting, including companies seeking financing for operations or property-related needs. The business also relies on deposit funding, so retail and institutional depositors are an important funding-side customer group.
Borrowers seeking working capital, growth financing and tailored credit solutions.
Companies using factoring to convert invoices into liquidity.
Customers that can pledge collateral or use insured structures to obtain credit.
Borrowers needing property-related financing through Realkredit Norden.
Individuals or institutions placing deposits that fund the lending platform.
Strategy
The group is repositioning around a more focused financing platform with emphasis on corporate-related credit, secured lending and real-estate finance. It is also building internal capability in risk, compliance and technology to support a more scalable underwriting model and reduce dependence on outsourced functions.
These areas fit the group's underwriting model and can improve risk-adjusted returns.
A specialized platform can support growth while keeping credit and funding discipline.
Better in-house control supports underwriting quality, compliance and operating leverage.
Geography
Moank Fintech Group is headquartered in Stockholm and operates as a Swedish financial group under Swedish and EU banking regulation. The available reports point to a primarily Sweden-centered business with some euro-denominated funding and lending activity, but no country-level revenue split is disclosed. Geography matters mainly through regulatory oversight, funding markets and currency matching rather than a broad international branch footprint.
Risks
Moank's main risks come from credit losses, funding dependence and interest-rate sensitivity, all of which are inherent to a deposit-funded lending business. The group also faces regulatory and operational risk because it operates a licensed credit market company under Swedish financial supervision and relies on data, models and internal controls to underwrite loans.
- Credit risk in the loan bookImpact: HighLikelihood: Low
The business earns returns by lending to borrowers, so defaults or weaker collateral can directly reduce earnings.
Exposure - Funding and liquidity riskImpact: HighLikelihood: Low
The lending platform depends on continued access to deposits and other funding sources to support the loan book.
Exposure: Deposit-funded lending and EUR funding via Raisin
- Regulatory and compliance riskImpact: HighLikelihood: Low
Moank AB operates as a credit market company under Finansinspektionen and must meet capital and conduct rules.
Exposure - Interest-rate riskImpact: MediumLikelihood: Medium
Changes in market rates affect both lending yields and funding costs, influencing net interest income.
Exposure: Floating-rate lending and deposit funding
- Model and operational riskImpact: MediumLikelihood: Low
AI- and data-driven underwriting depends on accurate inputs, controls and internal expertise.
Exposure
Accounting
Judgemental itemsLoan-loss estimates depend on borrower quality, collateral and macro assumptions and can move earnings materially.
Impact: Impairment charges and net interest-related profitability
The group discloses secured lending, factoring and unsecured lending separately, which affects risk presentation and comparability.
Impact: Balance-sheet and risk-note presentation
As a regulated credit institution, capital ratios and liquidity metrics are central to financial analysis.
Impact: Regulatory note disclosures and going-concern assessment
The group has intra-group loans and balances that require careful elimination and disclosure.
Impact: Consolidation notes and related-party balances
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Last updated: 24/09/2026