Flex Funding A/S is the first crowdfunding company authorized as a payment institution by the Danish FSA. Authorization means that management at all times must be Fit & Proper-approved, as required, and that the company must meet certain capital requirements and end requirements for IT security. We are basically an online auction for money where private people lend money directly to businesses. We connect companies that seek capital, with private lenders who have money in their deposit account. There is no middlemen, no banks and no hidden fees. It is a much better business for everyone.