Our solution in a few sentences

15% of a billion rejected loan applications have value because these loans are given out to borrowers by other financial institutions later on. We developed the only marketplace where lending companies can buy and sell turned-down applications online. We provide a flexible solution with an auction and universal template Wizard that easily portable to other systems and bank software via API.


Increase your client database quickly and cheaply because of the new purchase channel


Reduce the customer acquisition cost by selling turned-down loan applications to other credit institutions


Offer your declined customers an alternative loan channel, which will increase the loyalty to the brand and reduce the customer churn

How it works

Ninja Lender significantly reduces the known inefficiency of the lending market, offering rejected loan applications to credit institutions with different risk models

Meet our team

The company's key members have strong background in B2B, understand well in finance, and have practical startup experience
Yaroslav Dubov

Yaroslav Dubov


* IT entrepreneur for 10 years
* Managed the implementation of 50+ IT projects in SMEs
* Has a strong math background

Dmitry Shurkayev

Dmitry Shurkayev

Biz Dev

* Tech entrepreneur with 16 years of experience
* Founder of several innovative and fintech solutions

Valery Yurikov

Valerii Yurikov


* He designed and developed a software platform for consumer loans management
* Valery built and implemented a few fintech businesses

Yurii Fomin

Yurii Fomin

Senior Developer

* He designed and developed more than 15 web projects
* API for MicroF1 product was developed by Yuriy

Alexey Zinchenko

Alexey Zinchenko

DevOps Engineer

* 20 years of experience in configuring and supporting high-load servers

Our key partners

We cooperate with one of the largest banks in the Nordics and the Baltic region, as well as with Europe's most experienced B2B startup accelerator


Check out our latest news

The best Fintech startup in Ukraine

Today Valuer.ai released their list of Best FinTech Startups in Europe, and Ninja Lender is mentioned there! So we are a bit proud to be among the best and represent Ukraine in the list.

Get in touch

Please feel free to contact us

Our team locations

Riga, Latvia & Kyiv, Ukraine

Give us a ring

Yaroslav Dubov
+371 26 122 588

Biz Dev
Dmitry Shurkayev
+380 66 444 22 83

Mon - Fri, 10:00 - 19:00 (EET)

Contact Us