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 specialising in Blockchain and Decentralized Technologies. He has been building Blockchain solutions on the Ethereum platform since its release in 2015. Previous to Lendflo he was lead developer at an IoT start-up as well as a a large French ISP company.
Chris lead product development for many UK banks and financial services firms. Before Lendflo he was advising several banks on how they can build mobile centric propositions that leverage data available through open banking. Previous positions include Business Analyst at Arthur D Little and Corporate Analyst at Wood Mckenzie.
John has experience as both a market analyst and risk analyst, working in multiple financial markets, including commodities, FX, stocks and secured finance at Lloyds TSB and London Capital. He specialises in developing risk models and will be leading portfolio management of Lendflo.
Christopher has spent 17 years in early stage and start-up companies. He is currently advising a Chinese SOE ( Forbes Global 100) for investment opportunities in U.K. Previous roles include UK Head of Risk and Derivatives for CRISIL (A Standard and Poor’s Company), Head of Research for Frontier Capital, as well as various investment / risk roles with IKANO, JP Morgan, Mellon Capital Management Inc.
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.
Przemyslaw is an experienced data scientist specialising in machine learning. He has developed numerous machine learning models a cross several industries with companies including A.T. Kearney, BCG, Porsche, and Deloitte. Przemyslaw has leveraged his experience in building machine lending based risk models to develop Lendflo’s proprietary rating system.
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.
Robert has been a part of the cryptoworld since the turn of the decade as the founder of the first publicly-listed company in Europe to focus solely on DLT - Smart Equity AG. Robert invested in the Ethereum crowdsale after meeting with Dr. Gavin Wood, and has since gone to found nakamo.to- which serves to connect the real world with the vast potential of Distributed Ledger Technology.