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 customer acquisition costs by selling turned-down loan applications to other credit institutions


Provide an alternative offer for your declined clients to increase customer loyalty and reduce 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

We have strong background in B2B, understand well in finance, and have practical startup experience
Yaroslav Dubov

Yaroslav Dubov


* IT entrepreneur with 11 years of experience in international business development
* Has a strong background in applied mathematics

Valery Yurikov

Valerii Yurikov


* Designed and developed a software platform for consumer loans management
* Built and implemented a few solutions for fintech businesses

Dmitry Shurkayev

Dmitry Shurkayev

Business Advisor

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

Mariia Yershova

Mariia Yershova

Marketing Manager

* Passionate about startups
* Her career goal is to help in creating products and services that bring value to society

Alexey Zinchenko

Alexey Zinchenko

DevOps Engineer

* Responsible for configuring and supporting high-load servers for over 20 years
* Experienced and certified hardware systems architect

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
  • Huge Thing
  • Fintech Trends Poland
  • Disruption Banking
The company is a startup participating in the project
"Huge Thing acceleration programme for FinTech and MarTech startups from Central-Eastern Europe"
Operational Programme Smart Growth 2014–2020, Polan Prize Pilotage


Check out our latest news and updates

What problems do we solve?

Ninja Lender is a B2B platform for credit institutions to reduce the wastage of rejected loan applications. There are three problems that we are trying to solve.    There are 87% of loan applications are Read more…

Let's get in touch

Please feel free to contact us

Our locations

Warsaw, Poland
Tallinn, Estonia
Kyiv, Ukraine

Give us a call

Yaroslav Dubov
+48 536 442 003
+371 26 122 588

Biz Dev
Dmitry Shurkayev
+380 66 444 22 83

Monday - Friday
09:00 - 19:00 (CET)

Contact Us