Fellow Finance Oyj is a Finland-based authorized payment institution, which operates a lending platform. The digital platform enables companies and consumers to apply financing directly from lenders at market-based pricing. A borrower fills a loan application and decides the desired loan amount, duration and interest rate he is willing to borrow with. A lender registers to the marketplace by opening an investor account and setting own lending criteria. An investor receives monthly repayments and interests. The Company manages administration between the parties and takes care of distribution of interests and capital repayments to the investors. Also, Fellow Finance Oyj conducts credit risk analysis of applicants. The Company is primarily focused on the Northern European market.