Koyo is a fintech startup using open banking to offer loans to people with “thin” credit files and currently poorly served by the market.

Koyo was founded on the principle that people who are new to credit, or the country, should be treated fairly when it comes to finance.

Thomas Olszewski founded Koyo in 2018. The company is headquartered in London, UK.

Koyo's goal is to disrupt this multi-billion pound market by offering fairly priced credit through the innovative use of technology.

Koyo is attempting to tackle the problem whereby people without much of a credit history, such as migrants or those who have never taken credit or aren’t the main bill payer, aren’t able to secure a loan.


Koyo is backed Forward Partners, Seedcamp, Christian Faes (founder and CEO of LendInvest), and Charlie Delingpole (founder and CEO of ComplyAdvantage) along with others. The company raised $4.9M in equity and debt financing on Oct 28, 2019. 



  • Year founded: 2018
  • Funding Info: $4.9M over 2 Rounds (Latest Funding Type: Equity and Debt)
  • Yearly Revenue: NA
  • Employee Size: 2-10
  • Business Valuation: NA
  • City/Town: London
  • State: London
  • Country: United States
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