Making business finance suck less.

Each year, we strive to make business finance suck a little bit less than it did the year before.

Why we exist

When Jacob, Christian and Lars founded CreditStretcher, they did so with an undivided focus on giving SMEs what they’ve always been deprived of: access to fair finance, quickly and easily.

Our journey began, long before CreditStretcher was founded, when Jacob’s Father lost his business due to multiple late paying clients and unpaid invoices. There’s a good chance his business would have survived if we’d existed back then.

Watching his father mourn over the loss of something he gave so much to, drove Jacob and the CreditStretcher team to create a solution that would help other business owners avoid losing their business too.

Today, Jacob often recalls the joy he feels when CreditStretcher helps another SME to survive and grow.

SMEs with low creditworthiness are often ignored by business finance providers. Even though their lack of creditworthiness has little to do with their ability to provide a great product and build a fantastic business. Perhaps they’re just young. Or committed to excellence over rapid growth. Whatever the reason, they are underserved.

Our commitment to providing the fastest, easiest and fairest finance to SMEs stems directly from Jacob’s painful experience.

This is why we exist!

Our Mission:
To offer SMEs the fastest, easiest and fairest finance.

Our Vision:
To enable SMEs throughout the world to realize their full potential and be in greater financial control through innovative financial products and services.

These are the core values shared by everyone at CreditStretcher. Values we fight for every day.


Everybody only wins, when nobody loses.

If you can make something where everybody wins, you have a stronger ecosystem. We will stand stronger than the soulless finance companies by creating a company based on trust and transparency.


Business as a force for good.

We built CreditStretcher to be a force for good in a business finance market that often lets one side of the relationship down. We envision a world of financial inclusion and fair financial products for all SMEs.


Empathy and service.

For too long marketers and advertisers have manipulated people to buy things they don't need. We promise to our customers to communicate to them with empathy and to provide them only what they (really) need.


Human-centered capitalism.

We're only interested in being in business for the right reasons. To create products that (actually) solve humankind’s higher needs. "Humans are more important than money" - Andrew Yang.



We are a remote company. This means our entire team can work wherever they want. Our belief is that the traditional office setting is barbaric, antiquated and short-sighted.


Be the painkiller.

You can think of us like financial pain relief. Ready to use whenever you need it.

On top of our values, we are driven by 24 guiding principles. We call these principles The CreditStretcher Manifesto. Read our manifesto to learn more about what makes us different.

Meet our wonderful team. We're entrepreneurs, designers, programmers, legal experts, business developers, writers, speakers, readers, adventurers, volunteers and teammates. Our HQ is in Copenhagen, but everyone is free to work from wherever they want.

Jacob Pedersen

CEO & Co-Founder

Christian Thisted

COO & Co-Founder

Lars Andersen

CPO & Founder

Chris Pedersen


David Storm


Joseph Pack


Vang Nguyen

Tech Lead / Senior Software Engineer

Markus Thomsen

Blockchain Developer


Finn Helmer

Chairman of the Board

Peter Andreasen

Board Member

Jesper Hartvig Jensen

Board Member

Advisory board

Tim Cullen

Former Chief Spokesman of the World Bank, Chairman at TCA Ltd

Kenneth H. Christensen

Specialist Strategic Sales, previously Arvato and AL Finans Factoring

Christian Eiber

Vice President of Global Sales in Automotive Industry, PhD candidate at USC in field of Blockchain Technologies

Christian Müller

Private investor, former CFO/MD of a US automotive supplier (Germany) & a German power electronics supplier (Global)

Jeanette Carlsson

Founder of Tech Nordic Advocates, Tech sector CEO, board, government and diplomatic advisor. Key roles in the Nordic and London tech ecosystem.

Henrik Ulvsgård

Public Chartered Accountant, Partner in Baker Tilly

What is a credit stretch, and how does it work?

"Factoring is slow, expensive and complicated. A credit stretch is fast, fair and simple". - Freddy Bach

We agree with Freddy - invoice factoring needed a refresh. So we created the credit stretch. To find out exactly how it works and how it could help you grow faster and with more confidence, read our guide.