Company: LoanTube
Co-Founders: Gurprit Singh Gujral, Aymeric Monod-Gayraud
Website: https://www.loantube.com/
About LoanTube
Founded in 2019, LoanTube is a digital credit marketplace built to make borrowing fairer, clearer and more accessible for everyone. Authorised and regulated by the Financial Conduct Authority (FCA), it connects UK consumers and small businesses to a curated panel of more than 50 trusted lenders, showing only real, pre-qualified loan offers in real time. Unlike most comparison sites that promote representative or teaser rates, LoanTube ensures complete transparency, applicants on LoanTube see actual rates and terms they genuinely qualify for, empowering them to make confident and informed borrowing decisions.
For individual borrowers, particularly those outside the ‘prime’ credit bracket, LoanTube offers a vital alternative to opaque and often predatory lending models. Its technology simplifies complex financial information, clarifies affordability and builds financial literacy by explaining what drives eligibility and how to improve it over time. The platform’s 4.9 Trustpilot rating, inclusion in Sifted’s list of 250 fastest growing European companies and Gold for Open Banking Innovation at Future Digital Awards 2025 by Juniper Research, reflecting its strong reputation.
LoanTube processes over 300,000 consumer loan applications every month. It makes extensive use of Open Banking data to provide lenders with a more accurate picture of affordability and to help borrowers receive offers based on live financial insights rather than outdated credit models. Proudly bootstrapped to profitability, the business has scaled sustainably without external capital, focusing on real customer needs and long-term impact rather than vanity growth.
Building on this foundation, LoanTube has extended its technology to the SME market, addressing a structural weakness that affects millions of small businesses. In 2025, it launched its dedicated SME brokerage and embedded lending platform, bringing the same transparency and intelligence that defined its consumer offering to business finance. Through partnerships with major lenders, fintechs and digital platforms such as Push Group and Cubefunder, LoanTube’s AI-driven engine matches businesses to suitable funding options instantly, cutting through complexity and improving access to finance for those often overlooked by high-street banks.
The platform uses live data from Companies House, credit bureaus and Open Banking APIs to build a complete financial profile of each applicant, delivering tailored loan recommendations ranging from working capital to merchant cash advances. Each SME borrower receives dedicated broker or local agent support, ensuring that digital efficiency never comes at the expense of human guidance.
This hybrid human-technology model is designed to make small-ticket business loans – often ignored by traditional brokers – commercially viable by automating time-consuming processes while preserving personal support. It is part of LoanTube’s wider mission to close the UK’s £20 billion SME funding gap and promote inclusive economic growth.
Whether for consumers or small businesses, LoanTube is redefining how credit is accessed and understood in the UK. Its ambition is not just to broker loans, but to build lasting financial confidence. By combining transparency, automation and a human touch, LoanTube is creating a fairer, more efficient credit ecosystem that empowers individuals and businesses alike to grow with confidence.
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