Headquartered in Helsinki, Finland, Multitude SE, founded in 2005, is a diversified financial services provider that previously operated as Ferratum Oyj until its rebranding in June 2021. The company and its subsidiaries deliver digital banking solutions and various loan products designed for both individual retail clients and small business enterprises. Its extensive lending portfolio encompasses microloans, PlusLoans, Primeloan, adaptable revolving credit facilities, working capital installment loans, and financing for purchases.