Millaiset rahoittajat voivat hakea Rahoon verkostoon?

Verkostoon voivat hakea pankit ja rahoitusyhtiöt, jotka tarjoavat rahoitusta yrityksille. Arvioimme jokaisen uuden rahoittajan tuotteet, kohderyhmät ja soveltuvuuden Rahoon jakeluverkostoon ennen yhteistyön aloittamista.

Pääseekö jokainen rahoittaja mukaan verkostoon?

Ei automaattisesti. Rakennamme verkostoa valikoidusti ja arvioimme, miten uuden rahoittajan tuotteet täydentävät nykyistä tarjontaa ja vastaavat kumppanikanaviemme asiakkaiden rahoitustarpeisiin.

Millaisia rahoitustuotteita Rahoon kautta voi tarjota?

Rahoo tukee erilaisia yritysrahoituksen ratkaisuja, kuten vakuudellisia ja vakuudettomia yrityslainoja, luottolimiittejä sekä laskurahoitusta. Tuotteiden soveltuvuus eri jakelukanaviin arvioidaan rahoittajakohtaisesti.

Voimmeko itse määrittää, millaisia hakemuksia saamme?

Kyllä. Rahoittaja määrittelee tuotteensa ja keskeiset rahoituskriteerinsä. Rahoo käyttää niitä hakemusten kohdentamiseen eri rahoittajille.

Mistä rahoitushakemukset tulevat?

Hakemukset syntyvät Rahoon jakelukumppaneiden palveluissa, joissa yritysasiakkaat jo asioivat. Verkostoon kuuluu esimerkiksi taloushallinnon ja yrittäjyyden palveluita, ja uusia jakelukanavia voidaan liittää Rahoon verkostoon.

Mitä tietoja hakemuksen mukana toimitetaan?

Tiedot riippuvat jakelukanavasta ja rahoitustuotteesta. Hakemustietojen lisäksi mukana voidaan asiakkaan suostumuksella välittää kumppanipalvelussa jo olevaa yritys- ja talousdataa.

Kuka tekee rahoituspäätöksen?

Rahoittaja tekee aina itsenäisesti rahoitus- ja luottopäätöksen omien prosessiensa ja kriteeriensä mukaisesti. Rahoo välittää hakemuksia ja niihin liittyviä tietoja rahoittajille.

Miten hakemukset toimitetaan pankille?

Hakemuksia voidaan käsitellä Rahoon Banking Cloudissa tai siirtää pankin omiin järjestelmiin API-integraation kautta. Toteutustapa valitaan pankin prosessien ja tarpeiden mukaan.

Kuinka nopeasti Rahoon voi ottaa käyttöön?

Käyttöönotto riippuu valitusta toteutustavasta ja tarvittavista integraatioista. Banking Cloud mahdollistaa kevyemmän aloituksen, kun taas API-ratkaisu voidaan integroida syvemmin pankin omiin järjestelmiin.

Miten Rahoo hinnoitellaan rahoittajalle?

Hinnoittelu sovitaan rahoittajakohtaisesti tuotteiden, jakelun ja yhteistyömallin perusteella. Malli voidaan rakentaa esimerkiksi toteutuneeseen rahoitusvolyymiin perustuvaksi.

Voinko vastaanottaa Rahoo Banking Cloudin kautta hakemuksia myös omista kanavistani?

Kyllä. Rahoo Banking Cloudia voidaan käyttää myös muista kanavista, kuten omilta kumppaneiltanne, tulevien rahoitushakemusten vastaanottamiseen ja käsittelyyn. Toteutus ja siihen liitettävät kanavat sovitaan tapauskohtaisesti.

— FOR BANKS

New business financing customers without your own customer acquisition.

Rahoo connects selected banks and finance companies with businesses right in the services they already use. You receive financing applications that match your criteria, enriched with company data, and you decide which products you offer and on what terms.

Apply to join Rahoo's lender network

See how Rahoo works

— FOR BANKS

New business financing customers without your own customer acquisition.

Apply to join Rahoo's lender network

See how Rahoo works

— FOR BANKS

New business financing customers without your own customer acquisition.

Apply to join Rahoo's lender network

See how Rahoo works

Ready-made distribution

Reach business customers directly in Rahoo's partner services.

Ready-made distribution

Reach business customers directly in Rahoo's partner services.

Applications that match your criteria

You define the businesses, financing needs and products you want to receive.

Applications that match your criteria

You define the businesses, financing needs and products you want to receive.

Enriched company data

With the customer's consent, applications can be completed with company data already in the partner service.

Enriched company data

With the customer's consent, applications can be completed with company data already in the partner service.

03 — Customer stories

Finnish business services offer financing with Rahoo.

Procountor and Ukko.fi offer business financing to their customers right inside their own services, powered by Rahoo. One application reaches multiple lenders, and the whole process runs in the background. For example, Rahoo powers Procountor's business loan comparison service.

03 — Customer stories

Finnish business services offer financing with Rahoo.

03 — Customer stories

Finnish business services offer financing with Rahoo.

Become a partner

See Procountor's service

03 — Businesses apply in services they already use. Here's how it works.

Why join Rahoo's lender network?

03 — Applications

Why join Rahoo's lender network?

Ready-made distribution network

Reach businesses looking for financing directly in the services where they already run their operations. A new distribution channel without building your own customer acquisition.

Ready-made distribution network

Reach businesses looking for financing directly in the services where they already run their operations. A new distribution channel without building your own customer acquisition.

Applications that match your criteria

You set your financing criteria. Rahoo uses them to route applications to lenders whose offering fits.

Applications that match your criteria

You set your financing criteria. Rahoo uses them to route applications to lenders whose offering fits.

More data for better decisions

With the customer's consent, applications can be completed with company data already in the partner service. You get more information for your assessment right with the application.

More data for better decisions

With the customer's consent, applications can be completed with company data already in the partner service. You get more information for your assessment right with the application.

Performance-based partnership

The commercial model can be based on funded financing, so costs arise from business that actually closes.

Performance-based partnership

The commercial model can be based on funded financing, so costs arise from business that actually closes.

03 — Applications

One network. Applications from many distribution channels.

Rahoo sits between the services businesses use and the lenders. One connection to Rahoo lets you receive financing applications from multiple partner channels.

03 — Applications

One network. Applications from many distribution channels.

Rahoo sits between the services businesses use and the lenders. One connection to Rahoo lets you receive financing applications from multiple partner channels.

A business applies for financing

The application starts in a service the business already uses.

A business applies for financing

The application starts in a service the business already uses.

Rahoo completes and routes

The application can be completed with available company data and is routed based on the criteria lenders have set.

Rahoo completes and routes

The application can be completed with available company data and is routed based on the criteria lenders have set.

The bank reviews the application

You receive the application through Rahoo and make the financing decision under your own processes and credit criteria.

The bank reviews the application

You receive the application through Rahoo and make the financing decision under your own processes and credit criteria.

The customer receives an offer

Your bank's offer is delivered to the customer as part of the partner service's financing flow.

The customer receives an offer

Your bank's offer is delivered to the customer as part of the partner service's financing flow.

01 — Rahoo for partners

You decide which applications you receive.

You define your products and financing criteria. Rahoo routes applications based on them, so your bank receives financing needs that fit what you offer.

Set the financing products and amounts you offer.

Narrow by company size, industry and other key criteria.

Update your criteria flexibly as your business needs change.

Talk to us about becoming a lender

01 — Rahoo for partners

You decide which applications you receive.

You define your products and financing criteria. Rahoo routes applications based on them, so your bank receives financing needs that fit what you offer.

Set the financing products and amounts you offer.

Narrow by company size, industry and other key criteria.

Update your criteria flexibly as your business needs change.

Talk to us about becoming a lender

01 — Rahoo for partners

You decide which applications you receive.

You define your products and financing criteria. Rahoo routes applications based on them, so your bank receives financing needs that fit what you offer.

Set the financing products and amounts you offer.

Narrow by company size, industry and other key criteria.

Update your criteria flexibly as your business needs change.

Talk to us about becoming a lender

01 — Rahoo for partners

More data for better decisions.

With the customer's consent, applications coming through Rahoo can be completed with company data already in the distribution partner's service. Your bank can receive relevant information for its assessment right with the application.

Use company and financial data available alongside the application.

Spend less time chasing missing information.

Get a more complete basis for credit and risk decisions.

Ask about data and integrations

01 — Rahoo for partners

More data for better decisions.

Use company and financial data available alongside the application.

Spend less time chasing missing information.

Get a more complete basis for credit and risk decisions.

Ask about data and integrations

01 — Rahoo for partners

More data for better decisions.

Use company and financial data available alongside the application.

Spend less time chasing missing information.

Get a more complete basis for credit and risk decisions.

Ask about data and integrations

03 — Businesses apply in services they already use. Here's how it works.

A selected lender network

Rahoo builds its lender network carefully. We accept banks and finance companies whose products complement the current offering and meet the financing needs of our distribution partners' customers. We assess every new lender's products, target groups and fit before starting a partnership.

03 — Businesses apply in services they already use. Here's how it works.

A selected lender network

Suitable products

Each financing product needs a clear use case and demand in Rahoo's distribution channels.

Suitable products

Each financing product needs a clear use case and demand in Rahoo's distribution channels.

Complementary offering

We build the network to serve as wide a range of businesses and financing needs as possible.

Complementary offering

We build the network to serve as wide a range of businesses and financing needs as possible.

Approval to the network

Every new lender is assessed before its products are added to Rahoo's distribution.

Approval to the network

Every new lender is assessed before its products are added to Rahoo's distribution.

03 — How to get started as a partner

A flexible way to get started with Rahoo.

Onboarding can be adapted to your bank's processes and technical environment. You can handle applications in Rahoo's ready-made interface or integrate them into your own systems.

03 — How to get started as a partner

A flexible way to get started with Rahoo.

Onboarding can be adapted to your bank's processes and technical environment. You can handle applications in Rahoo's ready-made interface or integrate them into your own systems.

Rahoo Banking Cloud

Receive and manage financing applications in Rahoo's ready-made interface, with no integration needed.

Fastest way to start

Rahoo Banking Cloud

Receive and manage financing applications in Rahoo's ready-made interface, with no integration needed.

Fastest way to start

API

Bring applications straight into your bank's systems and automate data transfer with Rahoo's API.

For deep integration

API

Bring applications straight into your bank's systems and automate data transfer with Rahoo's API.

For deep integration

Hybrid

Start with the ready-made interface and connect selected parts to your own systems later.

Flexible rollout

Hybrid

Start with the ready-made interface and connect selected parts to your own systems later.

Flexible rollout

Apply to join Rahoo's lender network

Applying does not guarantee acceptance to the network.

Apply now

Could your bank be our next lender?

We're looking for selected banks and finance companies to join our network. Tell us about your financing products and target groups, and we'll assess how they fit Rahoo's lender network.

Apply to the lender network

Apply now

Could your bank be our next lender?

We're looking for selected banks and finance companies to join our network. Tell us about your financing products and target groups, and we'll assess how they fit Rahoo's lender network.

Apply to the lender network

Apply now

Could your bank be our next lender?

We're looking for selected banks and finance companies to join our network. Tell us about your financing products and target groups, and we'll assess how they fit Rahoo's lender network.

Apply to the lender network

04 — FAQ

Questions?

04 — FAQ

Questions?

04 — FAQ

Questions?

Which lenders can apply to join Rahoo's network?

Banks and finance companies that provide financing to businesses can apply. We assess every new lender's products, target groups and fit with Rahoo's distribution network before starting a partnership.

Is every lender accepted?

Not automatically. We build the network selectively and assess how a new lender's products complement the current offering and meet the financing needs of our partner channels' customers.

Which financing products can be offered through Rahoo?

Rahoo supports a range of business financing products, such as secured and unsecured business loans, credit lines and invoice financing. Each product's fit with different distribution channels is assessed lender by lender.

Can we define which applications we receive?

Yes. Each lender defines its products and key financing criteria. Rahoo uses them to route applications to different lenders.

Where do the financing applications come from?

Applications start in the services of Rahoo's distribution partners, where business customers already work. The network includes accounting and entrepreneur services, for example, and new distribution channels can be added to Rahoo's network.

What information comes with an application?

It depends on the distribution channel and financing product. In addition to application details, company and financial data already in the partner service can be shared with the customer's consent.

Who makes the financing decision?

The lender always makes the financing and credit decision independently, under its own processes and criteria. Rahoo forwards applications and related information to lenders.

How are applications delivered to the bank?

Applications can be handled in Rahoo Banking Cloud or transferred to the bank's own systems through an API integration. The setup is chosen based on the bank's processes and needs.

How quickly can we start using Rahoo?

It depends on the chosen setup and required integrations. Banking Cloud allows a lighter start, while the API option can be integrated more deeply into the bank's own systems.

How is Rahoo priced for lenders?

Pricing is agreed per lender based on products, distribution and the partnership model. The model can be based on funded financing volume, for example.

Can I also receive applications from my own channels through Rahoo Banking Cloud?

Yes. Rahoo Banking Cloud can also be used to receive and handle financing applications from other channels, such as your own partners. The setup and connected channels are agreed case by case.