Ready-made distribution
Reach business customers directly in Rahoo's partner services.
— FOR BANKS
New business financing customers without your own customer acquisition.
Rahoo is a business financing distribution channel that 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.
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.
01 — CUSTOMER STORIES
Finnish business services offer financing with Rahoo.
Procountor and Ukko.fi offer business financing to their customers directly inside their own services, powered by Rahoo. Rahoo’s partner lenders receive financing applications straight from the largest services in the market.
02 — WHY RAHOO
Why join Rahoo's lender network?
01
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.
02
Applications that match your criteria
You set your financing criteria. Rahoo uses them to route applications to lenders whose offering fits.
03
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.
04
Performance-based partnership
The commercial model can be based on funded financing, so costs arise from business that actually closes.
03 — HOW TO APPLY
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.
01
A business applies for financing
The application starts in a service the business already uses.
02
Rahoo completes and routes
The application can be completed with available company data and is routed based on the criteria lenders have set.
03
The bank reviews the application
You receive the application through Rahoo and make the financing decision under your own processes and credit criteria.
04
The customer receives an offer
Your bank's offer is delivered to the customer as part of the partner service's financing flow.
04 — YOUR CRITERIA
You decide which applications you receive.
You define your products and financing criteria. Rahoo routes applications based on them, so your bank generally 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.
05 — DATA
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.
06 — THE NETWORK
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.
01
Suitable products
Each financing product needs a clear use case and demand in Rahoo's distribution channels.
02
Complementary offering
We build the network to serve as wide a range of businesses and financing needs as possible.
03
Approval to the network
Every new lender is assessed before its products are added to Rahoo's distribution.
07 — SETUP
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
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
Apply to join Rahoo's lender network
Applying does not guarantee acceptance to the network.
08 — APPLY TO JOIN
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.
09 — 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.