Koyo Loans is a UK-based financial technology company focused on providing accessible and affordable personal loans, particularly targeting individuals who may be underserved by traditional lenders due to having a 'thin' credit file or being new to credit. They utilize Open Banking technology to assess an applicant's financial situation based on their real-time transaction data, rather than relying solely on credit scores. This allows for a more holistic and potentially fairer assessment of creditworthiness, aiming to offer loans to a broader range of customers, often referred to as near-prime borrowers. Their mission is to make credit more inclusive and transparent.
Serves as the primary center for Koyo Loans' operations, including technology development, product management, customer support, marketing, finance, and strategic leadership.
Likely a modern office space equipped with collaborative work areas, meeting rooms, and technology infrastructure typical of a fintech company. May feature an open-plan layout to foster communication.
As a fintech scale-up, the work culture is likely dynamic, innovative, and fast-paced, with a strong emphasis on technology, data-driven decision-making, and customer-centricity. Employees may experience a collaborative environment focused on solving complex financial inclusion challenges.
The London headquarters is strategically important due to its proximity to talent, investors, partners, and the UK's progressive regulatory environment for financial services and Open Banking.
Koyo Loans is currently focused on the United Kingdom market. Its services, regulatory compliance, and customer base are primarily within the UK. While the technology and business model could potentially be adapted for international markets in the future, its present global presence is limited to its UK operations. Any 'global' aspect would relate to sourcing talent or technology partners internationally to support its UK business.
25 Epworth Street
London
England
United Kingdom
Address: N/A - Koyo Loans primarily operates from its London headquarters.
Focus is on serving the UK market, supported by the London HQ.
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As of April 2025, Koyo' leadership includes:
Koyo has been backed by several prominent investors over the years, including:
Koyo Loans has seen strategic appointments in its technology leadership over the past year or so, reflecting its ongoing commitment to platform development and innovation.
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Koyo Loans most likely utilizes standard professional email formats. Common patterns for companies of this nature include [first].[last]@[domain].com or [first_initial][last]@[domain].com.
[first].[last]@koyoloans.com or [first_initial][last]@koyoloans.com
Format
thomas.olszewski@koyoloans.com or tolszewski@koyoloans.com
Example
80%
Success rate
Finextra • October 26, 2023
Koyo Loans, the Open Banking powered lender, has partnered with ClearScore to offer its loans to ClearScore’s 12 million UK users. The partnership will provide more consumers, especially those with thin credit files, with access to Koyo’s fairly priced credit products....more
AltFi • February 15, 2023
Open banking lender Koyo Loans has secured a £100m debt facility from Atalaya Capital Management. The London-based fintech will use the funding to scale its lending and expand its market share in the UK....more
TechCrunch • March 1, 2022
Koyo Loans, a London-based fintech that uses Open Banking to lend to people with “thin” credit files, has raised £37.6 million ($50 million) in a Series A funding round (equity and debt). The equity portion was led by Force Over Mass....more
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