Skip to content
Centeo
Talk to us

Traffic partner
for banks & brokers.

Centeo finds loan applicants and matches them with the right bank or broker. We get paid per outcome. Live across the Nordics, Germany, France and Spain, with offices in Aarhus and Copenhagen.

Become a partner How we work

Paid per outcome — each partner picks the model

CPL
Qualified lead A validated applicant, delivered.
CPA
Accepted application The partner approves the case.
CPS
Funded loan Money paid out to the applicant.

How we work

Traffic partner,
not a network.

We work directly with banks, and with brokers where multiple banks bid on a single application. Both kinds of partners use us for the same reason: they want loan applicants that actually convert.

We find the users — through paid channels, organic, and our network of partner sites. Then AI and statistics match each applicant with the partner most likely to fund them, based on amount, geography, time of day, and how each partner has converted before.

Partners pay us per outcome — a qualified lead (CPL), an accepted application (CPA), or a funded loan (CPS). Each partner picks the model that fits their economics.

Today we are live across the Nordics, Germany, France and Spain with an extensive partner network. Headquartered in Aarhus with a second office in Copenhagen, growing across Europe.

The engine

One engine.
Many partners.

Every applicant is scored against every active partner. The route is decided by funded-loan probability — not by who bids the most for the click.

  • 48 features per scoring run
  • 92 ms median decision time
  • 24h retrain · funded-outcome only
Match topology v3.21
live
An applicant is scored against four partners; Bank A has the highest funded-loan probability and receives the application.
app_8K2j → BANK A · fund-score 0.873
app_8K2h → BROKER · amount-fit 0.812
app_8K2g → BANK C · fund-score 0.794

Pipeline

From sign-up to routed match.

Five stages between an applicant landing on a brand site and a webhook arriving at a partner. Each stage logs its decision, every consent stored before data leaves the form.

  1. 01

    Sign-up

    Visitor lands on a brand site. Device, IP, referrer and acquisition params captured at the edge.

    • ip · ua · ref
    • utm chain
    • session-id
  2. 02

    Consent

    Explicit, layered, language-attributed. Logged before any field leaves the form.

    • scope · tcf v2
    • lang · signed
    • audit token
  3. 03

    Validate

    Phone, email, birthday and address checked at submit. Junk stops here.

    • phone · live
    • email · mx
    • address · live
  4. 04

    Matching

    Scored against every active partner. Routed to the one most likely to fund this applicant.

    • 48 features
    • p(fund) ranked
    • 92 ms · median
  5. 05

    Delivery

    Sent to the partner via direct API integration or a signed tracking link. Each handoff logged, status stored, queryable.

    • api · post
    • tracking · link
    • audit reply
Median pipeline · arrive → deliver
0.0s

Values

What we hold
ourselves to.

V/01

Compliance is non-negotiable

Every consent can be documented. If we cannot prove it, we did not capture it. No shortcuts, no exceptions, no exemptions.

Audit
100%
Consent log
per applicant
V/02

Results, not clicks

We measure funded loans, not clicks or submissions. If a bank does not fund what we send, we did not do our job.

V/03

Boring infrastructure, done well

Matching loan applicants to partners is critical infrastructure. We optimize for predictability, not novelty.

V/04

Transparent partnerships

Partners see source-level conversion and outcome-level payouts. No black boxes, no aggregated dashboards that hide where the leads came from.

Team

A small group,
doing focused work.

Eleven people. Hover or tap a card to meet the cartoon behind the photo.

Leadership

Søren Snejstrup Bay
Managing Director
Stig Nebel Jørgensen
Commercial Director

Marketing & Growth

Larbi El Mekki
Head of Marketing
Daniela Lindfors
Digital Marketing Coordinator
Brian Rinkenauer
Head of Growth
Calvin Merella
Country & Marketing Manager
Peter Wulff
Senior Google Ads Specialist
Thomas Juhl Nedergaard
Digital Marketing Coordinator
Victor Kloster Schütt
Junior Marketing Specialist

Tech

Simon Juhl-Madsbjerg
Head of Tech
Alen Kranjcevic
Senior Full-stack Developer

Offices

Headquartered in
Aarhus.

Plus a second office in the heart of Copenhagen. Centeo Group ApS, CVR DK40651101.

Aarhus · headquarters
Viborgvej 159 A
8210 Aarhus V
Denmark Open in Maps
Copenhagen
Vestergade 29
1456 København K
Denmark Open in Maps
Markets
Nordics, Germany, France and Spain
DK · SE · NO · FI · DE · FR · ES
Response within one business day

Want to talk to us?

Tell us about your market and volumes. A person reads every message and replies within one business day.

Become a partner sb@centeo.dk →