Lisa&

Based in Stockholm, Sweden, Lisa& operates as a fintech company specializing in embedded lending solutions designed to accelerate the green transition. Founded in 2021 by Stefan Dahl, Maria Snöbohm, and Viktor Tingström, the company provides the financial and technological infrastructure for businesses to adopt circular and subscription-based models. The management team possesses over 50 years of combined experience in financial services, and the company is a registered financial institution under the supervision of the Swedish Financial Supervisory Authority.

The company's core business revolves around enabling Product-as-a-Service (PaaS) offerings. This business-to-business (B2B) model allows clients to shift from traditional, linear sales models to a system where products are offered via subscription. This approach helps businesses generate predictable, recurring revenue streams and fosters greater customer loyalty. Lisa& makes money by providing the capital for these subscription models and managing the associated financial assets and processes for its partners. The platform is designed to operate in the background, ensuring that the end-customer experience remains branded to the client company.

The service portfolio is an all-in-one embedded lending solution that can be integrated directly into a client's checkout flow. It also offers individual microservices, including contract and customer validation, credit risk management, and payment monitoring. By financing products like electronics, office furniture, and clean energy technology, Lisa& facilitates a circular economy where products are returned, refurbished, and reutilized, thereby extending their lifecycle and reducing waste. A notable milestone includes a partnership with Samsung Electronics Nordic AB to power their 'Samsung Flex' sustainable device rental program across Sweden, Denmark, Norway, and Finland.

Keywords: embedded lending, Product-as-a-Service, PaaS financing, circular economy, subscription models, fintech, sustainable finance, B2B financing, green transformation, asset financing, recurring revenue, credit risk management, financial technology, cleantech financing, device-as-a-service, equipment leasing, sustainable business models, checkout integration, payment monitoring, customer retention