Anyfin, a Swedish startup that offers refinancing of consumer loans and credit card debt using a combination of artificial intelligence and snapshots of current statements and payment terms. debt pocketed $30 million in a Series C funding round led by existing investor Northzone.

Launched in November 2017, Anyfin founders Filip Polhem, Mikael Hussain and Sven Perkmann have extensive experience in consumer credit, credit risk assessment and technology, having previously held roles. senior positions in some of Sweden’s biggest tech companies including iZettle, Klarna and Spotify.

The company uses publicly available consumer data to gauge the creditworthiness of its customers and promises to refinance existing loans within seconds of receiving a photo of a statement of credit. current loan, including repayment history.

Consumers can send photos to Anyfin through a channel of their choice, such as text message, email or Facebook Messenger, and the company responds with an option to refinance the loan at a good rate. than. With one click, the consumer accepts the new Anyfin option and the company takes care of the existing loan settlement for him. The company says the number of active customers on the platform has grown by 50% in 2022, and half of its 1 million app downloads took place in the past 12 months.

In October, Anyfin raised $52 million in new funds to accelerate the growth of its business across Europe. The company says the capital will be used to set up a new office in Berlin – it’s first outside of Sweden – and strengthen the local team. In addition, Anyfin plans to launch a new app-based savings service for consumers in Germany, Sweden and Finland.

The increased investment in Germany will include the implementation of existing services in Sweden, such as interest-free cash advances, a budgeting tool and a way to block credit purchases. Other existing Series C backers include Accel, EQT Ventures, FinTech Collective, Quadrille Capital, Augmentum Fintech and new investor Citi Ventures.