# Lendable Lendable is a Venture Capital based in London, United Kingdom. ## Overview - **Organization type:** Venture Capital - **Headquarters:** London, United Kingdom - **Region:** Europe - **Address:** London, United Kingdom - **Founded:** 2014 - **Assets under management:** Undisclosed - **Website:** lendable.io - **LinkedIn:** https://www.linkedin.com/company/lendable ## Regulatory record - **Reports private funds:** No ## About Lendable, established in 2014, specializes in asset-backed debt for emerging markets. The firm focuses on asset-backed debt, emerging markets, financial inclusion, sustainable finance, and impact investments. ## Sectors - FinTech - Consumer Lending - Private Credit ## People - Victoria van Lennep — Co-Founder - Martin Kissinger — Co-Founder - Jakob Schwarz — Co-Founder ## Questions ### How does Lendable fund its consumer loan originations? Lendable funds its loan book through a combination of forward-flow agreements with institutional investors and asset-backed securitizations. It sponsors securitization shelves—including the Mabel and Orchid programs—that bundle personal loans and credit-card receivables for sale to institutional buyers (per Fitch Ratings, 2023). This structure allows the firm to recycle capital without holding large balance-sheet assets itself. ### Who runs investment and credit decisions at Lendable? Credit and investment decisions are driven by Lendable's proprietary machine-learning underwriting models, overseen by the founding team. Co-founder Martin Kissinger has historically led the engineering and data-science functions, while Victoria van Lennep, as CEO, manages the firm's capital-markets relationships and strategic direction. The September 2021 investment by Ontario Teachers' Pension Plan brought an institutional LP voice to governance but day-to-day credit policy remains with the founders and their analytics team. ### Is Lendable a fintech company or an asset manager? Lendable occupies a hybrid position. Its consumer-facing brand resembles a fintech—customers apply for personal loans or credit cards through a digital interface with automated underwriting. On the back end, however, the firm operates like a specialty asset manager that originates, services, and securitizes private-credit assets for institutional investors. That full-stack model distinguishes it from marketplace lenders that do not retain servicing or securitization infrastructure. ### What types of consumer credit does Lendable offer? Lendable offers unsecured personal loans, auto finance, and credit-card products to UK consumers. Its underwriting engine prices risk using machine-learning models that incorporate alternative data sources alongside traditional credit-bureau information. The firm has historically focused on near-prime and prime borrowers, aiming to compete with high-street banks on speed and user experience. ### What is Lendable's relationship with Ontario Teachers' Pension Plan? In September 2021, Ontario Teachers' Pension Plan acquired a meaningful minority stake in Lendable through a secondary purchase and primary investment that valued the firm at approximately £3.5 billion (per Bloomberg, September 2021). Ontario Teachers' involvement positions a long-duration pension allocator as both a shareholder and a potential provider of lending capital, though the specifics of any forward-flow or securitization participation have not been publicly detailed. ### Does Lendable participate in fund commitments or only direct consumer lending? Lendable does not operate as a fund-of-funds or make commitments to external venture-capital or private-equity funds. Its activity is concentrated on originating and servicing consumer loans directly, then distributing the resulting credit exposure through securitizations and forward-flow sales to institutional investors. The firm has not disclosed any separate investment-vehicle structures for third-party LPs. ### Which geographic markets does Lendable operate in? Lendable's primary market is the United Kingdom, where it has originated over £2 billion in consumer loans since its 2014 launch. The firm has evaluated select continental European markets for potential expansion, but no sustained multi-country origination has been publicly confirmed. Its London headquarters houses all core functions including engineering, underwriting, and capital markets. ## Related profiles - [LemVega Capital](https://altss.com/profile/lemvega-capital) - [LenDenClub](https://altss.com/profile/lendenclub) --- Last updated: 2026-06-03T20:00:00.000Z Canonical page: https://altss.com/profile/lendable Maintained by Altss — https://altss.com — methodology: https://altss.com/methodology