SteadyPay provides a financial service app offering access to £300 for 90 days without added interest, subject to status. The company offers a subscription service called CashWave costing £30 per month.

John Downie

Oleg Mukhanov

Victor Pawley

SteadyPay

ELF Capital Group provides flexible and tailored financing solutions for companies, owners, investors, and management teams to meet their financing needs.

ELF Capital Group

SteadyPay's vision is to become the lifetime financial partner of gig-economy workers globally.

SteadyPay's app enables gig economy workers to enjoy regular income even when they work irregular hours (due to such factors as reduced shifts, fewer bookings, time of sick and holidays). 

Using the SteadyPay mobile app, customers securely link to their bank via open banking. SteadyPay will then calculate a users average income and monitor for when their income drops below that average. 

When this happens we provide a top-up, advancing money straight to the customer's bank to bring their income back up to their average. 

No interest is charged on any top-ups; we are a subscription credit service. 

By protecting income from volatility, we're enabling gig-economy workers to budget with confidence for everyday bills and essentials. Therefore reducing the need to use high-cost credit solutions that trigger debt spirals.

SteadyPay is authorised and regulated by the UK FCA.

TrueSight Ventures

Fair By Design Fund

Hambro Perks Ltd.

Ascension

Chris Adelsbach

The Future Fund

Digital Horizon

Ascension Ventures

Future Fund

N1 investment fintech fund

SteadyPay + Pockit = A Success Story in Financial Inclusion

We sat down with Pockit’s CEO, Virraj Jatania, and COO, Garreth Griffith to discuss our recent partnership to provide financial services for underserved and low-income consumers in the UK. 

https://lnkd.in/dxrBhPdZ

Big Kudos to the both teams making this happen. 
Max S Mortimer Violeta Filip Molty Haque John Downie Maxim K. Viktor Muhhin Fair By Design #fairbydesign #partnership #financialinclusion Corry Raymond

Making credit available in a seamless manner is becoming a mandatory feature in most fintech offerings. If you'd like to make credit (fixed term or revolving) available to your end users get in touch with one of the team for a chat.

🚀 Exciting Partnership Announcement! 🚀
We are thrilled to announce the official partnership between SteadyPay and Aluna Partners, marking a monumental step forward in the realm of affordable lending. 🌟
With the closure of a remarkable $10,000,000 deal, this collaboration is set to redefine the landscape of financial services for high-growth and global companies. 

🔍 About Aluna Partners:
Founded in London in 2021, Aluna Partners has been at the forefront of innovation in corporate finance. Specialising in equity, alternative credit, and M&A, Aluna Partners offers tailored solutions and expert advice to drive the success of its clients.

💡 About SteadyPay:
SteadyPay, driven by a mission to revolutionise financial management for everyday workers, has been dedicated to providing transparent, affordable credit solutions. With a commitment to honesty, trust, and innovation, SteadyPay empowers individuals to take control of their finances.

🤝 The Partnership:
By joining forces, SteadyPay and Aluna Partners are poised to make significant strides in affordable lending. With a shared vision of empowering individuals and businesses alike, this partnership will pave the way for groundbreaking advancements in capital markets and treasury services.

👏 Shout-out to the incredible teams at SteadyPay and Aluna Partners for their dedication, hard work, and commitment to excellence! This partnership wouldn't be possible without your passion and expertise. Here's to many more successes ahead! 🎉 Max S Mortimer John Downie Stefano Sciacca Violeta Filip Viktor Muhhin Molty Haque

At SteadyPay, we believe this partnership is not just about offering a new kind of credit, but about forging a new path toward financial empowerment and prosperity for all.


Stay tuned as we embark on this exciting journey together! 💼✨


#Partnership #FinanceInnovation #SteadyPay #AlunaPartners #FinancialEmpowerment  #fairbydesign

We are excited to be able to officially announce our partnership with Pockit an innovative UK consumer neobank. Making fair and affordable credit accessible to more people in the UK using our white-label lending as a service (LaaS) solution. 

We are strong believers in fintech as an ecosystem, leveraging each others specialties to deliver the best end customer outcome. 

#embeddedfinance #laas

Our CEO and founder John Downie recently wrote about the downside of being a digital nomad and more importantly the industry change required to solve the problem.

SteadyPay founder John Downie shares some valuable insights on the Founder metrics podcast… check it out.

Thank you to FF News | Fintech Finance for featuring our founder John Downie talking about the discrimination within traditional credit scoring systems and how we can improve the social fabric of the country with technology and regulatory change.

Thank you to CFI.co - Capital Finance International for the write up. 

SteadyPay's lending as a service platform continues to go from strength to strength. Think of it as the lending version of the BaaS (banking as a service) solutions offered by Monese, Mettle, Bankable, Starling Bank and others.

We provide a plug and play mix of configurable open banking technology, lending licenses, lending Ops and liquidity. Our partners in turn white label the components they need enabling them to offer the perfect credit solution to their customers, be it a simple wage advance or a more complex loan.

#WebSummit #founder #startup #fintech

https://lnkd.in/et2G7Ccp

Congratulations to Theo-Lee Houston and the team at Slinger

Metric
Company Name	SteadyPay	ELF Capital Group
Symbol
MSH ID	CO:STEADYPAY	DE:ELFCAPITAL
Market	PRIVATE	PRIVATE
Sector	Financial Services & Finance	Financial Services & Finance
Industry	Financial Technology (Fintech)	Finance
Country	GB	DE
Stage
Employee Count	11
Website	steadypay.co	elfcapital.de
LinkedIn	steadypay
Founders

Metric
Market Cap
Enterprise Value
Monthly Web Traffic		234
Web Traffic Growth		-0.65
Valuation
Raised Capital

Metric
Revenue
Revenue (LTM)
Revenue (NTM)
Gross Profit
EBITDA
Operating Income
Net Income
EPS
Diluted EPS
Revenue 2022
Revenue 2023
Revenue 2024
Revenue 2025
Revenue 2026

Metric
Revenue Growth (LTM)
Revenue Growth (NTM)
Gross Profit Growth (LTM)
EBITDA Growth (LTM)
Net Income Growth (LTM)
14-Day Growth Score
28-Day Growth Score
90-Day Growth Score
365-Day Growth Score

Metric
Gross Profit Margin
Operating Profit Margin
EBITDA Margin
Net Profit Margin
Return on Equity
Return on Assets
Return on Capital Employed

CO:STEADYPAY

SteadyPay

Company Overview

Market Metrics

Financial Performance

Growth Metrics

Profitability Ratios

Valuation Multiples

Operational Metrics

Cash Flow Metrics

Balance Sheet Metrics

Efficiency Metrics

Metric
P/E Ratio
P/B Ratio
Revenue Multiple (LTM)
Revenue Multiple (NTM)
EBITDA Multiple (LTM)
EBITDA Multiple (NTM)
Price to Sales Ratio
EV Multiple

Metric
Days Sales Outstanding
Days Payables Outstanding
Days Inventory Outstanding
Operating Cycle
Cash Conversion Cycle
Asset Turnover

Metric
Operating Cash Flow
Free Cash Flow
Cash Flow to Debt
Operating Cash Flow/Sales
Free Cash Flow Yield

Metric
Cash & Equivalents
Accounts Receivable
Inventory
Goodwill
Debt to Capitalization
Debt to Assets
Current Ratio
Quick Ratio

Metric
Rule of 40 (LTM)
Rule of 40 (NTM)
Stock Comp to Revenue
R&D to Revenue
SG&A to Revenue