Clar

Clar operates a multi‑brand, multi‑market consumer credit distribution platform combined with an investment holding model. At the core is a proprietary, API‑first credit platform that standardises scoring, onboarding, compliance and lender connectivity. On top of this infrastructure, Clar operates and acquires local consumer‑facing brands (loan marketplaces, price comparison sites and mortgage brokerages) in various countries. These brands attract consumer loan and mortgage applications, which are then routed through the group platform to participating lenders.

Value is created for financial institutions by providing an outsourced digital acquisition and distribution channel that aggregates consumer demand and simplifies technical, regulatory and operational integration across markets. For consumers, the marketplaces provide comparison and access to multiple offers through a single application flow. Clar expands value through acquisitions of regional brokers and comparison platforms, integrating them onto its central infrastructure to achieve scale, operational leverage and improved matching performance. The business is thus both an operating platform provider and an investment owner of specialised local brokers built on that platform.

Clar Global AB is a Swedish fintech investment and operating group focused on consumer credit intermediation. It runs a proprietary, API‑first credit platform that connects millions of consumers with over 300 banks and lenders across multiple continents, operating through a portfolio of local loan and mortgage marketplace brands. The group builds and acquires loan brokers and price‑comparison sites in markets such as Brazil, Spain, Portugal, Poland, France and others.

Clar generates revenue primarily as a performance‑based digital broker. Lenders and financial institutions pay the group on a cost‑per‑sale basis when a loan or financial product is successfully completed via its brands and platform. Additional revenues are likely derived from platform integration and service fees charged to partner financial institutions for access to its onboarding, data, decisioning and compliance infrastructure. Its direct paying customers are banks, non‑bank lenders and other financial institutions seeking digital distribution and customer acquisition for credit products.