Creditstar takes first outside capital: $5.4M from Kilde at €130M valuation
What's the deal? Creditstar GroupDealroom has a profile for this one. Try Dealroom →, a profitable European consumer finance and investment fintech, has raised €4.6 million (about $5.4 million) in its first external investment from Singapore-based KildeDealroom has a profile for this one. Try Dealroom →. The convertible loan values the group at €130 million pre-money and carries interest during the holding period, with an option to convert into equity.
Why now? The round follows a record 2025 for Creditstar. Net profit rose 86% to €13.5 million — a 19th consecutive profitable year — while interest income climbed 50% to €111 million and the loan book reached €482 million.
What's the endgame? The capital broadens Creditstar's funding base beyond retained earnings, shareholder capital, and debt. It will support product expansion, including a credit card in Estonia set for a wider launch later in 2026.
Creditstar offers digital consumer credit through regulated entities in the UK and seven European Union markets. It also runs Monefit SmartSaverDealroom has a profile for this one. Try Dealroom →, an investment platform in 31 European countries whose funds finance its loan portfolio. In January 2026, its UK arm won Financial Conduct Authority authorisation to lend as a mainstream consumer credit provider.
The deal deepens an existing relationship: Kilde had previously extended the group €18.4 million ($20 million) in credit facilities. "Bringing in equity-linked capital from an existing funding partner is a meaningful signal of confidence in our business," said Aaro Sosaar, founder and chief executive officer of Creditstar Group.
Kilde co-founder Radek Jezbera framed the move as an extension of that debt partnership. "We see a proven business with clear room for further expansion," he said.
The signal: A profitable, two-decade-old lender taking its first outside equity — via a convertible from a known debt partner — reflects a cautious path to external capital, testing investor conviction before a full equity round.
Read more: financialit.net
Image credit: bellaellaboutique
