Forging BNPL future
Leanpay is a pioneer of Buy Now Pay Later 3.0. We believe that the future of BNPL is: i) to be a regulated company, ii) to be a responsible lender, and iii) to finance purchases of any size with fairly priced loans.
![Hero](/resources/images/hero-img.png)
Evolution of Buy Now Pay Later
BNPL 2.0 showed that consumers need a fully-digital financing solution at the checkout. However, due to soft credit check policies, consumers are becoming over-indebted, and inflation is making the price of 0%APR loans for merchants unbearable. It is time for BNPL 3.0!
BNPL 1.0
Banks provide POS loans at checkout in pre-BNPL era:
- Non-digital solutions
- 24h* decision time
- Larger purchases (furniture, more expensive consumer electronics, etc.)
BNPL 2.0
Fintech companies enable consumers to pay in 3 or 4 installments with 0 costs:
- Fully digital solutions
- Soft-credit check
- Non-regulated
- Smaller purchases (fashion, less expensive consumer electronics)
Bnpl 3.0
Enable consumers to pay for the purchase of any size in 24 & more fairly priced installments
- Responsible lender (deep credit & DTI check)
- Regulated company
- Digital process & Omnichannel
- Fairly priced loans
Leanpay is bringing the BNPL experience to purchases of all sizes
Bnpl 1.0
Bnpl 2.0
Bnpl 3.0
500 €
5000 €
Purchase amount
Featured in:
![](/resources/images/recursive1.png)
![](/resources/images/raconteur1.png)
![Phone](/resources/images/phone.png)
![](/resources/images/phone/1.png)
![](/resources/images/phone/2.png)
![](/resources/images/phone/3.png)
![](/resources/images/phone/4.png)
![](/resources/images/phone/5.png)
Empowering shoppers to buy responsibly
- Digital first: shoppers can apply online
- Shoppers get decision in minutes
- Completely transparent costs
- Shopping both online and offline
- Shoppers manage their spending in Leanpay app
- Financing purchases up to 12.000 EUR and split it up to 60 installments
![Helping person](/resources/images/help-person.png)
Accelerating merchant partners revenue
- Omnichannel solution for both online and brick & mortar shops
- Proven to increase overall sales and boost average order value
- Dedicated support and resources for merchants enabling them success
- Seamless integration suitable for family run shops or international conglomerates
- One stop shop for financing purchases of any size up to 12.000 EUR
Leanpay in numbers
![Online average ticket](/resources/images/numbers/online-ticket.png)
€
average order online
![Online average ticket](/resources/images/numbers/instore-ticket.png)
€
average order in-store
![Online average ticket](/resources/images/numbers/month.png)
average number of instalments
![Online average ticket](/resources/images/numbers/risk.png)
%
cost of risk
![Online average ticket](/resources/images/numbers/users.png)
k
users
![Online average ticket](/resources/images/numbers/loans.png)
m€
loans issued
![Online average ticket](/resources/images/numbers/merchants.png)
merchants
![Online average ticket](/resources/images/numbers/retention.png)
%
retention rate
Expanding in South & Eastern Europe
![Map](/resources/images/new-map.png)
2017
Formed
Product MVP launched
Raised pre-seed funding
![2017](/resources/images/years/2017.png)
2018
July: achieved Slovenian credit license & Market launch
![2018](/resources/images/years/2018.png)
2019
Raised x via South Central Ventures
Raised seed funding
![2019](/resources/images/years/2019.png)
2020
Feb: Full member of SISBON
200 active merchant partners
Users made 12M worth of purchases
![2020](/resources/images/years/2020.png)
2021
Extended to purchases up to 5k in 48 installments
Raised series A investment
![2021](/resources/images/years/2021.png)
2022
Launched in Romania
Sept: licenced by NBR (Banca Nationala a Romaniei)
![2022](/resources/images/years/2022.png)
2023
Launched in Hungary
Aug: member of KHR (Hungarian Central Credit Information System)
![2017](/resources/images/years/2017.png)
2024
July: Raised €10M Series B investment
More than 200M consumer loans issued
Over 120k satisfied customers
![2017](/resources/images/years/2018.png)
Management team
Get in touch
Do you want to learn more about Leanpay? Send us your message and we will get back to you!
contact@leanpay.com