For Sale: Swedish API-Licensed Flexible Pay Fintech Platform
We are pleased to present a regulated Swedish Authorized Payment Institution (API) specializing in flexible payroll and on-demand wage access. With its proprietary fintech platform, the company enables employees to instantly access earned wages while integrating seamlessly into employer shift planning and payroll systems.
Key Highlights
- Jurisdiction: Sweden
- License: Authorized Payment Institution (API)
- Live Operations: 100+ business clients onboarded
- Staff: Lean operational team (5+ experts)
- Turnover:
- 2024: €100,000
- 2025 (projected): €250,000
- Burn Rate: ~€50,000/month
Infrastructure & Compliance
- Nordic banking relationships in place
- PSD2 & GDPR/DORA compliant operations
- Market-ready passporting to Finland, Norway, and Denmark
Core Product Features
- On-Demand Pay: Instant wage access via BankID
- Shift & Payroll Sync: Integrates with popular scheduling platforms
- Financial Wellness: Tools for budgeting, transparency & education
- Mobile App: User-friendly interface for employees and HR managers
- Market Validation & Performance
- 73% increase in employee motivation reported
- Clients see ~8% more shifts filled using the tool
- 42% of retail employees opted to work additional hours
Strategic Upside
- Proven demand with Nordic pilot programs
- Scalable across EU via license passporting
- Differentiated from legacy payroll by offering real-time wage access through regulated banking rails
Asking Price: Available upon request
Contact us to request full documentation or schedule a confidential call.
