Fluro
Consumer loans platform
- 21-100 employees
- Fintech
- B2C
- Credit Scoring
- B2B
- Artificial Intelligence
- Lending
- Machine Learning
- SaaS
- Fraud
- City of London, London, UK
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Company mission
To power life changing moments, with access to the right credit at the right price, and the right support across their borrowing journeys.
Our take
Fluro, previously operating as Lending Works, is a financial loan company with a focus on embedded lending, a type of loan that is offered through non-financial products or services.
Originally founded in 2014, Lending Works shed its model of peer-to-peer lending after being acquired by Intriva Capital in 2020 and rebranding as Fluro. Then in October 2022, European banking group BNP Paribas announced that they had financed £200M to Fluro as part of the latter’s shift into embedded lending.
Fluro’s shift indicates a growing trend in the UK that has seen an increasing number of consumer companies offering flexible repayments on products and goods. This has already been seen with larger digital payment platforms such as Paypal, but Fluro’s unsecured personal loans are an alternative to the traditional annual percentage rate (APR) approach. Since its rebranding and boost in funding, Fluro has more than doubled its staff and plans on continuing to expand its partnerships.
Kirsty
Company Specialist at Welcome to the Jungle
Funding (last 2 of 3 rounds)
Jul 2018
$3.7m
SERIES B
Jul 2016
$3.9m
SERIES A