Lendflo is a P2P invoice financing marketplace connecting sellers to buyers of invoices. Using Blockchain and machine learning, delivered through an easy-to-use interface, we are able to remove many of the pain points of the current invoice financing industry.
Business selects an invoice to receive a loan against. Lendflo uses a proprietary machine learning algorithm to rate the risk of the invoice and attaches an interest rate to it.
The investor deposits their capital and selects the parameters as to how it should be invested.
Lendflo matches investors to invoices that fall within the investors risk preferences and cash is advanced to the small business in the form of a short-term loan.
At this point a smart contract is created and recorded on the Blockchain binding the small business to their investors that manages and enforces repayment terms.
Upon client repayment of the invoice the smart contract is triggered rerouting capital back to the investors plus the interest rate earned.
Lendflo’s Blockchain infrastructure and unique credit scoring algorithm tailored to small businesses reduces cost to serve
Lendflo removes the need for manual paper work allowing investors to invest faster and small businesses to receive cash quicker
The immutable nature of the Blockchain ensures trust and transparency so you know exactly where your funds are at all times
Rémi is a Computer Scientist, he has been involved in Bitcoin and Blockchain since 2013. Previously has work in multiple start-ups ranging from IoT for power monitoring to EMR on Ethereum. He has always been in a leading role and enjoys working as part of a diverse team. He is now heading the Dev team building the Lendflo marketplace.
Chris is an experienced fintech product lead specialist. Has led the strategy and development of consumer facing products and services for many of major UK financial service firms. Previous experience in corporate strategy at Arthur D Little and Wood Mackenzie. He is heading company and focuses on the long-term strategy.
John is a risk strategist, with years experience across multiple financial markets. Initially working as a futures trader in London, specializing in commodities and FX, John moved on to work within the risk division of a major UK bank. He is now heading the Risk team of Lendflo building the risk model and managing our risk portfolio.
Przemek is a data scientist, he has been creating statistical models since 2012. He has cooperated on numerous statistical and machine learning models with companies including A.T. Kearney, BCG and Deloitte. He is part of the Data Science / Risk team building our machine learning credit scoring model and health report.
Filip is a Computer Scientist with a Master of Science. Cryptocurrencies & Blockchain Enthusiast he has been investing and developing in decentralised technologies for a few years. In his spare time, he likes to reverse engineer software and enjoys low level programming. He is part of the Dev team working on back end technologies to build the Lendflo marketplace APIs.
Sean has dedicated most of his career the blockchain space since it’s early days, having co-founded Loyyal, a B2B blockchain loyalty network with partners including IBM and Deloitte. He is and adviser and investor to several tech/non-tech companies as well as mentor to the Dubai Future Accelerators program and H-Farm. He advises Lendflo on business strategy and blockchain applications.
Dr McCann is a data analyst & financial mathematician with over 10 years’ experience in capital and insurance markets. Previously he held a senior academic post in Quantum Physics at Belfast Queen University. He has worked as a consultant with First Derivatives plc, Liberty Insurance, Serafim Oil & Gas, OCO Global and Plotinus Ltd. He advises Lendflo on risk management, machine learning and credit scoring strategies.