01
Capital-efficient growth
Invoice financing–led growth, fee-based income, selective European markets
Banking embedded in digital channels
Alisa Bank is a Finnish bank focused on providing scalable, technology-driven financial services to SMEs, deposit customers, and platform and banking partners. Our strategy is built on a Banking-as-a-Service model, where banking capabilities are embedded into partner platforms to support SMEs’ liquidity management and financing needs as part of their daily business processes.
Strategic Cornerstones
02
Customer focus
Seamless digital banking and broad access to invoice financing
03
Technology
Automated processes, scalable IT and real-time risk management
04
Partnerships
Compliant integrations enabling scale and international growth
Taking Flight from a Strong Finnish Base
A strong domestic position in Finland forms the foundation for our growth and provides a stable base for further development and scalability. International expansion is pursued selectively across European markets through a partnership-led model. Invoice financing serves as our primary scalable growth product, offering an efficient solution for SMEs’ working capital needs while supporting our long-term growth strategy.
Core Products: Invoice financing, accounts & deposits, cards, selected loans
Financial Targets (by end of 2027)
Financial Targets (by end of 2027)
Return on equity
> 15 %
Growth in business revenue
~ 20 %
Capital adequacy ratio
26 %
Cost-to-income
< 50 %
