Funding Xchange

Funding Xchange is a United Kingdom-based fintech founded in 2014 by Katrin Herrling and Olivier Beau De Lomenie to address the gap in funding available to small and medium-sized enterprises from traditional banks. The company operates as an FCA-authorised credit broker and has built what it describes as the world's first intelligent decisioning platform for SME lending.

The platform digitises SME lending origination by holding lenders' underwriting models and providing businesses with digital eligibility and affordability assessment tools. A single funding request gives SMEs access to more than 70 lenders, with terms compared and applications submitted without affecting the credit score. The company reports indicative offers within three minutes and funds deposited within ten minutes.

Technical work spans intelligent decisioning, risk analytics and underwriting, real-time transactional data access, and white-label lending technology. Through FXE Technologies, the company supplies white-labelled SME lending tools to banks, funders and brokers, with an emphasis on transforming operating costs, increasing look-to-book ratios and supporting active portfolio risk management. The firm's stated mission is to enable SMEs to access finance with confidence.