# Qomodo

Qomodo is an Asset Manager based in Italy.

## Overview

- **Organization type:** Asset Manager
- **Headquarters:** Italy
- **Region:** Europe
- **Assets under management:** Undisclosed
- **Website:** www.qomodo.me
- **LinkedIn:** https://www.linkedin.com/company/qomodo/?originalSubdomain=uk

## Regulatory record

- **Reports private funds:** No

## Sectors

- FinTech

## Questions

### How does Qomodo structure its merchant-facing product differently from consumer BNPL apps?

Qomodo settles the merchant in full at the point of sale while the consumer repays in instalments, shifting the credit risk and collection burden entirely to the platform. The checkout integrates into the merchant's existing management software rather than a standalone consumer app, which keeps the customer relationship anchored at the shop rather than migrating it to a digital wallet.

### Which merchant verticals does Qomodo target, and why?

The firm concentrates on auto repair, dental, veterinary, and fitness-and-beauty services — all high-frequency, non-discretionary categories where average ticket sizes are large enough to warrant financing but too small for traditional bank lending desks. This vertical focus creates a receivables pool tied to inelastic consumer demand.

### Who is behind Qomodo in terms of founding team and investors?

Qomodo’s website does not name founders, key executives, or specific institutional investors, stating only that international funds and angel investors back the company. No board composition, capitalization table, or regulatory filing was publicly available at the time of review.

### What is known about Qomodo’s credit underwriting and funding model?

The firm does not disclose its funding structure — whether it relies on warehouse facilities, balance-sheet equity, or institutional forward-flow agreements — on its website. Similarly, no underwriting criteria, approval rates, or default metrics are published, making the credit model opaque from externally available sources.

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Last updated: 2026-05-30T19:17:57.453Z

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