auxmoney is a technology company.
auxmoney is a digital platform that simplifies the process of obtaining loans online, offering a modern approach to financing.
auxmoney has raised $28.0M across 2 funding rounds.
auxmoney has raised $28.0M in total across 2 funding rounds.
# auxmoney: Europe's Leading Digital-Lending Platform
auxmoney is a financial technology company, not a traditional technology firm, that operates as Europe's leading digital-lending platform for consumer credit[1][3]. Founded in 2007, the company has originated over €3 billion in loans by leveraging proprietary scoring technology to evaluate creditworthiness more individually than traditional banks[1]. auxmoney serves underserved borrowers—including self-employed individuals rejected by conventional lenders—by connecting them with private and institutional investors through its marketplace model[3][5].
The company's core mission centers on improving financial inclusion by democratizing access to credit through technology[3]. With over 250 employees headquartered in Düsseldorf, Germany, auxmoney has scaled into a sophisticated fintech operation that combines consumer lending with capital markets expertise, as evidenced by its recent €950 million debt securitization in October 2025[1].
auxmoney was founded in 2007 by three friends—including CEO and Co-Founder Raffael Johnen—who shared a vision of enabling better access to credit through digital technologies[1][3]. Johnen's background in investment banking across Frankfurt and London informed the company's approach to credit evaluation and capital markets strategy[3]. The founding team recognized a market gap: traditional banks applied rigid lending criteria that excluded creditworthy borrowers, particularly self-employed individuals and those with non-standard financial profiles.
This insight became the company's founding principle—that differentiated credit assessment could unlock lending opportunities while maintaining responsible underwriting standards[3]. The early focus on peer-to-peer lending evolved into a sophisticated marketplace model that now attracts both private investors and institutional capital, positioning auxmoney as a bridge between underserved borrowers and diverse funding sources.
auxmoney operates at the intersection of three powerful trends: fintech disruption of traditional banking, alternative lending growth, and European financial inclusion initiatives. The company's success reflects broader market recognition that algorithmic credit assessment can outperform legacy underwriting models while expanding access to credit.
The timing has been particularly favorable: regulatory frameworks across Europe have matured to support marketplace lending and securitization, while institutional investors increasingly seek yield through consumer credit assets. auxmoney's ability to raise €950 million in debt capital in a single week signals that institutional confidence in European fintech lending has reached institutional-grade maturity[1].
The company influences the broader ecosystem by demonstrating that European fintech can compete with traditional banking on scale and sophistication. Its securitization success provides a blueprint for other European lending platforms seeking institutional funding, while its focus on financial inclusion sets a standard for responsible credit expansion.
auxmoney has evolved from a peer-to-peer lending marketplace into a full-stack financial services company capable of originating loans, managing credit risk, and accessing capital markets at scale. The €950 million securitization in October 2025 signals the company's transition into a mature, institutionally-backed lending platform.
Looking forward, auxmoney's trajectory will likely be shaped by: (1) continued expansion of its institutional funding base through securitizations, (2) geographic expansion within Europe leveraging its proven technology and underwriting model, and (3) potential regulatory evolution around consumer credit and fintech lending. The company's ability to maintain underwriting discipline while scaling—a challenge that has derailed other lending platforms—will determine whether it becomes a durable financial institution or faces cyclical pressures.
The broader significance: auxmoney demonstrates that technology-driven credit assessment can democratize lending while maintaining institutional credibility, positioning it as a model for how fintech reshapes traditional banking functions across Europe.
auxmoney has raised $28.0M in total across 2 funding rounds.
auxmoney's investors include Abstract Ventures, Andreessen Horowitz, Core Innnovation Capital, Female Founders Fund, Foundation Capital, Founder Collective, Index Ventures, Lightspeed Venture Partners, Mithril Capital Management, Hans Tung, Outcast Ventures, Penny Jar Capital.
auxmoney has raised $28.0M across 2 funding rounds. Most recently, it raised $16.0M Series B in May 2014.
| Date | Round | Lead Investors | Other Investors |
|---|---|---|---|
| May 1, 2014 | $16.0M Series B | Abstract Ventures, Andreessen Horowitz, Core Innnovation Capital, Female Founders Fund, Foundation Capital, Founder Collective, Index Ventures, Lightspeed Venture Partners, Mithril Capital Management, Hans Tung, Outcast Ventures, Penny Jar Capital, Spark Capital, SV Angel, The Hit Forge, Union Square Ventures, Yes VC, Ansaf Kareem, Bob Pasker, Dharmesh Shah, Jeff Bezos, Joshua Schachter, Micah Siegel, Nirav Tolia | |
| Mar 1, 2013 | $12.0M Series A | Andreessen Horowitz, Founder Collective, Index Ventures, Lightspeed Venture Partners, Mithril Capital Management, Spark Capital, SV Angel, The Hit Forge, Union Square Ventures, Yes VC, Bob Pasker, Dharmesh Shah, Jeff Bezos, Joshua Schachter, Micah Siegel, Nirav Tolia |