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Fundu

Rank 5 · Invoice financing and factoring · Checked 12.10.2026

Websitefundu.fi
OwnerFundu Oy (Business ID 2576058-3), a domestic financing company for SMEs
Business ID2576058-3
Registered in Finland (PRH)2013
Commission or priceFiksu hinnoittelu ilman piilokuluja, ei julkista prosenttia
Financing ratioNot stated
Credit risk bearerNot stated
Service modelValikoiva: yritys valitsee itse rahoitettavat laskut
LCP (mobile)12.9 s
Basic metrics51.3, rank 5
25.6SCORE
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CHANGE FROM PREVIOUS

On the basic metrics alone, the score was 51.3 and the rank 5. The score is now 25.6 and rank 5 (no change). The difference comes from the buying motives: they measure what a buyer asks before deciding.

AI SUMMARY · AI ALGORITHM · 24 August 2026

Fundu Oy tarjoaa valikoivaa laskurahoitusta, jossa yritys valitsee itse rahoitettavat laskut. Yhtiö korostaa selkeää raportointia ja hinnoittelua ilman piilokuluja, ja Y-tunnus sekä puhelinnumerot ovat esillä. Provision prosenttia, rahoitusastetta tai luottoriskin kantajaa ei kuitenkaan kerrota, joten hinnan ja ehtojen läpinäkyvyys jää osittaiseksi.

Strengths

  • The flexibility of the service model is explained: the company can choose for itself which invoices it finances and how much it draws
  • Hinnoittelun periaate kerrotaan: selkeä raportointi ja hinnoittelu ilman piilokuluja, eikä rahoitus kasvata velkataakkaa
  • Operoiva yhtiö ja Y-tunnus sekä useita puhelinnumeroita on esillä yhteystiedoissa

Areas to improve

  • Provisiolle ei anneta prosenttia; hinta jää yleisluontoisen 'ilman piilokuluja' -lupauksen varaan
  • Rahoitusastetta eikä luottoriskin kantajaa (regressio) kerrota lainkaan
  • Sähköpostiosoite erik.riska@fundu.fi löytyy sivustolta, mutta alkuperäinen mittaus ei nähnyt sitä (uusintamittaus 16.9.2026). Osoite kannattaa näyttää selkeänä tekstinä yhteystiedoissa.

How the score is calculated

Buying motives checked 12.10.2026 and basic metrics measured 24.8.2026 from public sources. Same formula for everyone, read the full methodology.

Total score · weighted total

25.6 / 100
Price is shown before the quote20 p × 0.0 %0.0
Bearer of credit loss14 p × 0.0 %0.0
Money to your account10 p × 0.0 %0.0
Financing ratio6 p × 0.0 %0.0
Basic metrics50 % × 51,325.6

Buying motives · weight 50 p

0,0 / 50
MetricMeasured valueSourcePoints
Price is shown before the quote
NOTEThe price was not found in the price list either.
Smart pricing with no hidden fees; no figure or basis is givenfundu.fi
checked 12.10.2026
0.0 / 20
Bearer of credit lossThe invoice financing page, price list and general terms do not state which party bears the credit loss.fundu.fi, Invoice financing
checked 12.10.2026
0.0 / 14
Money to your accountThe invoice financing page and the front page do not state the time in which the money arrives in the account.fundu.fi, Invoice financing
checked 12.10.2026
0.0 / 10
Financing ratioThe financing rate is not stated on the invoice financing page, the price list or the front page.fundu.fi, Invoice financing
checked 12.10.2026
0.0 / 6

If information is missing, the row gets 0 points and the reason is shown. Points rise when the company publishes the information.

Basic metrics · weighted sum, 50% of total points

51.3 / 100
Digital quality30 % × 59,217.8
Transparency30 % × 35,010.5
Reachability20 % × 60,012.0
AI quality score20 % × 55,411.1

Digital quality · weight 30%

59.2 / 100
MetricMeasured valueSourcePoints
Performance (mobile)34/100Technical measurement13.6 / 40
Accessibility73/100Technical measurement21.9 / 30
Findability (SEO)100/100Technical measurement15.0 / 15
Technical practices58/100Technical measurement8.7 / 15

Transparency · weight 30%

35.0 / 100
MetricMeasured valueSourcePoints
Commission or fee (% of invoice or cost types) shown without a request for quotation
OBSERVATION"Selkeä raportointi ja fiksu hinnoittelu ilman piilokuluja"; HAVAINTO: prosenttia ei anneta
PartlyWebsite + AI extraction12.5 / 25
Advance rate, i.e. the share of the invoice amount paid immediately, stated
OBSERVATIONthe portion of the invoice amount payable immediately is not stated
NoWebsite + AI extraction0.0 / 15
Recourse clause and bearer of credit risk stated
OBSERVATIONluottoriskin kantajaa tai takautumisehtoa ei kerrota
NoWebsite + AI extraction0.0 / 15
Service model stated (whole ledger or selective, whether ledger and collection are included)
OBSERVATION"Yritys voi itse valita, mitkä laskut se haluaa rahoittaa, tai kuinka paljon myyntisaamisista nostaa rahaa tililleen"
PartlyWebsite + AI extraction7.5 / 15
Contract terms displayed (commitment, minimum amount or limit, termination)
OBSERVATIONsopimusehtoja ei eritellä tuotesivulla
NoWebsite + AI extraction0.0 / 10
Application process and speed of financing stated
OBSERVATION"Fundu tarjoaa joustavan ja nopean laskurahoituspalvelun"; HAVAINTO: tarkkaa aikaa ei anneta
PartlyWebsite + AI extraction5.0 / 10
Business ID (Y-tunnus) or operating company shown
OBSERVATIONYhteystiedoissa Fundu Oy ja Y-tunnus (2576058-3)
YesWebsite + AI extraction10.0 / 10

Reachability · weight 20%

60.0 / 100
MetricMeasured valueSourcePoints
Phone number shown
OBSERVATIONYhteystiedoissa useita puhelinnumeroita (esim. +358 40 140 0505)
YesWebsite + AI extraction30.0 / 30
Email shown
OBSERVATIONyleistä sähköpostiosoitetta ei näytetä selkeästi
YesWebsite + AI extraction15.0 / 15
Chat support
OBSERVATIONchat support is not mentioned
NoWebsite + AI extraction0.0 / 15
Opening hours shown
OBSERVATIONaukioloaikoja ei näytetä selkeästi
NoWebsite + AI extraction0.0 / 15
FAQ section
OBSERVATIONThe website has frequently asked questions (FAQ)
YesWebsite + AI extraction15.0 / 15
Mobile app
OBSERVATIONmobile app not mentioned
NoWebsite + AI extraction0.0 / 10

AI quality score · weight 20%

55.4 / 100
MetricMeasured valueSourcePoints
Clarity of information66/100AI analysis22.4 / 34
Findability of pricing42/100AI analysis13.9 / 33
Content coverage58/100AI analysis19.1 / 33

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Is this your company?

The free pre-analysis shows every item where points are lost and how much fixing it raises the score and rank. The paid analysis shows what the items are and how to fix them.

With website and information fixes you gain at most +73.3 points: 25.6 → 98.9, rank 5 → 1.

See the free pre-analysis The analysis does not change the score. Only improving the metrics does.

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