About

Fairlo Envisions a Fair World. Even When It Comes to Money. Fairlo was founded by siblings Jimmy & Shamon, driven by a deeply personal experience with the shortcomings of traditional credit systems. Witnessing firsthand how unfair lending terms can trap people in cycles of debt, they envisioned a financial solution grounded in ethics and transparency. Fairlo’s business model reflects a rare combination of social responsibility and technological innovation. It is one of only 19 financial institutions globally certified as a B Corp, affirming its commitment to balancing profit with purpose. Their mission is to level the playing field and outsmart the predatory credit market by creating fair financial services. Since launch, they have helped customers meet short- to medium-term borrowing needs in real-time. They are an international company with roots in the Swedish capital of Stockholm. Their tech hub in Heraklion, Crete, is a vital and fully integrated branch, contributing significantly to Fairlo’s culture and operations.

Solution & Product

With the aid of technology, they have created automated, user-friendly services rooted in transparency and fairness. They pair cutting-edge tech with unprecedented terms—fair terms that consistently outperform traditional banks, popular credit cards, and checkout solutions alike. Fairlo offers a flexible and fair life-happens credit buffer. Users only pay interest on the amount they use for the duration they use it. They can withdraw the exact amount needed directly to their bank account. The service is designed with flexibility at its core. Users can make withdrawals, additional repayments, or adjust their monthly repayment schedule at any time. Users are shown real rates before they even check eligibility. Fairlo also ensures a clear repayment plan. Users always know how and when they will repay their balance.

Innovation & Scalability

A major milestone in Fairlo’s journey is the introduction of the Fairness Receipt. For every transaction, users receive a breakdown showing the exact economics: how much it costs, where the money goes, and how much Fairlo stands to profit. This is the world’s first Fairness Receipt, that allows users to make fully informed financial decisions. Ultimately, fairness begins with transparency. Fairlo is a B Corp certified company—a rare distinction in the financial sector. B Corp is a certification system that evaluates a company’s impact on society, people, and the planet. The rigorous assessment covers six impact categories, including governance, community, and environment. To qualify, companies must achieve a score of at least 80. For Fairlo, this certification provides a clear, measurable way to track and stay aligned with its mission. It also reinforces their values by converting intentions into verified performance.

Traction & achievements

Recognition at the 2025 Credit & Collections Industry Awards, organized by Credit Connect UK, where Fairlo received both “Responsible Lender of the Year” and “Consumer Credit Provider of the Year”, proves that ethical innovation can scale.

Team & Why Us

Jimmy Hanna Co-founder & CEO Serial entrepreneur with proven track record from fintech Emil Wallinder Co-founder & CTO Solid experience of building complex systems and architectures. Heading Greek software development team based in Heraklion

Funding Needs

Fairlo is backed by one of the Nordics’ most well-known incubators, Sting (Stockholm Innovation & Growth AB), as well as the Swedish state-owned Saminvest and a multitude of experienced investors. Fairlo is currently seeking working capital to be used in new markets expansion.