FLEX FUNDING A/SAktiv

Flex Funding A/S operates an established marketplace lending platform for SMEs primarily in Denmark, where SME borrowers benefit from fast, flexible, and competitively priced SME loans. The proprietary platform is offered in our own brand and via partnerships (white label partners). The partners gain access to the Flex Funding system with all the benefits that come with a common marketplace and lending capacity from private and institutional sources. Flex Funding A/S is licensed and supervised by the Danish Financial Supervisory Authority (Finanstilsynet) as a crowdfunding service provider under the EU Crowdfunding Regulation (ECSPR) and as a payment institution under the Danish Payment Services Act, which implements the EU Payment Services Directive (PSD2). In addition, Flex Funding offers a secondary marketplace allowing investors to buy and sell existing loan parts, increasing portfolio liquidity. All transactions are handled 100% automatically by the system, ensuring an efficient and user-friendly process. During 2025, Flex Funding broadened its group activities through the acquisition of a Norwegian platform – now operating as Flex Funding Norge AS – the company established operations in the Norwegian market, and it began developing complementary financing products to diversify its revenue base. The proprietary technology underpinning the platform is held in the subsidiary Lending Lab ApS. Performance Flex Funding has more than 10 years’ operating tr

2025 Review Introduction Following the preventive restructuring and the reestablishment of the capital base in early 2025, Flex Funding restored a stable financial footing and turned its focus to executing its growth strategy. Particular emphasis was placed on international expansion, the development of new financing products, and continued investment in the platform and the organization, while maintaining cost discipline and a close, transparent dialogue with the Danish Financial Supervisory Authority (FSA). Operational Performance and Market Developments In 2025, Flex Funding has disbursed loans totalling DKK 61.6 million (+10.4% compared to 2024). Flex Funding has in 2025 funded a total of 75 loans. The establishment of live operations in Norway marked the company’s first proof of concept in a foreign market and a key step in its international expansion strategy. Our white-label and lead-generation partnerships continued to develop, diversifying revenue and supporting the quality of the loan portfolio. Our proprietary IT platform continued to perform well throughout the year, enhancing security, compliance, documentation, and customer experience, with Open Banking supporting real-time payments and efficient transaction handling. During the year, Flex Funding began developing a complementary financing product line based on a forward-flow structures, intended to diversify revenue and broaden the company’s offering to SMEs. In parallel, preparations were initiated for entry i

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