We enable people to invest in a fairer world.
aable is a fintech startup that connects compassionate investors to underbanked people across the world. Through aable, people borrow what they need to thrive, at rates they can repay. And investors make a difference – and earn interest along the way.
|1️⃣||People invest in aable.|
|2️⃣||aable issues loans to credible borrowers.|
|3️⃣||Borrowers put the loan to work|
|4️⃣||They repay aable, we repay investors.|
Repeat, thrive, and repeat. 🔄
Meet the team.
aable is a mission-driven team of investment and impact professionals. Our advisors span the private credit, philanthropic, and legal fields – and the globe. Switzerland is our HQ.
We are a pre-seed venture preparing for launch. And we’re hiring.
🚀 Launch Team
The company is driven by a group of experienced impact-seekers. We have a passion in building networks for impact, leveraging investments, and putting strategic solutions to practice. Our founding launch team combines expertise in credit management and asset allocation, impact investment and development finance, coding and product development, strategic planning and international affairs, as well as regulatory compliance and corporate finance.
🧭 Leadership Council
Serving as the advisory board of the company, the council is composed of distinguished leaders and the brightest minds across multiple sectors who share a commitment to advancing financial inclusion and sustainable development through private sector innovation. As trusted advisors and critical thinkers, Leadership Council members are periodically consulted on key strategic and operational decisions and growth opportunities.
📈 Management Team
Are you passionate about sustainable development and financial inclusion? Are you driven by innovation and inspired by untapped opportunities? Do you have successful experience in business and development, coding and team leadership under your belt? Then we want you at aable!
Check out our current openings!
Because lending isn’t just about money.
Billions of people could afford healthier, more stable lives, if only they had a tool to borrow and repay a fair amount, over a reasonable time.
Our borrowers pursue powerful opportunities. We empower them to weather storms – and afford to thrive.
Because lending is about building a future. For families, communities, and countries.
Unlocking responsible investing across borders.
aable makes it easy to invest in a fairer world. We offer the aable note, a fixed income product that funds our lending across the world. It will be available with varying maturities and to Europe-based investors.
Before aable, few opportunities had been open to ordinary investors. And even fewer targeted the global credit gap.
Let’s change that. So everyone can afford to thrive. 🌱
Debt spirals & poverty traps.
It is rare to have enough cash to pay for life’s expensive milestones – a new child, home, or business.
Billions of people, faced with this reality, have a brutal choice: go without, or borrow at rates they cannot afford.
Where bank loans and credit cards are limited, people may turn wherever they can.
Lenders discriminate, exploit, or simply deny loans. Some trap borrowers in downward debt spirals. And the cycle continues.
But we see a path out of this crisis.
Curious about aable? Let’s stay in touch.
You’ll be the first to know when we open the doors to investors and launch worldwide.
✏️ Sign up to download our impact vision & strategy presentation.
Stefan spent most of his 20+ year career in credit related topics, managing distressed debt for Merrill Lynch, in charge of the European non-performing loan group for Credit Suisse and later transitioning to the asset allocation side, as the managing director of the Kuehne Holding family office, continuing to advise other European family offices on their fixed income allocation.
He studied Finance at Munich University, did his PhD at the Technical University of Darmstadt in illiquid asset modeling and a post grad in Macroeconomics and Monetary Policy at the Kiel Institute for the World Economy.
Director of Impact
Katryn is a New York-based consultant on early-stage initiatives with a social or environmental commitment. She co-founded the tech startup Rabble, which connected Americans to new impact investment opportunities. Prior to Rabble, Katryn directed strategic development at InTrust Global Investments, an advisory firm supporting Mexico’s indigenous areas. She also worked on development finance at the Washington-based Emerging Markets Private Equity Association and at the International Finance Corporation (“IFC”). Prior to 2014, Katryn focused on global water challenges, with time at the policy-think tank CSIS, and the United Nations.
Katryn received an MA from Johns Hopkins SAIS and a BA from University of Pennsylvania.
Junior Legal Counsel
Sarah is the Directorate Officer at the Austrian Farmer’s Association (Bauernbund). Previously she clerked at the Criminal Court and District Court of Civil Law and worked in several legal departments in the research and development sector. Later, she moved to the public sector and worked for the Federal Ministry of Defence and the Permanent Representation of Austria to the EU in their respective Attache divisions.
She holds a Magister Iuris from the University of Salzburg, a Diploma in International Relations from the Diplomatic Academy of Vienna and is a PhD Candidate at the University of Innsbruck.
Christopher is CTO and co-founder of the Vienna-based startup Trality and has an experienced background in a variety of technical areas. He started his career in the area of machine learning working in previous startups and is passionate about building technologically challenging, consumer-facing solutions.
He holds master's degrees from the University of Vienna, the Vienna University of Economics and Business Administration and CEMS.
Sidney is a seasoned dev-ops and system architect with over 9 years of experience working in financial technology. His work focused on functional design, system architecture, developer-operations liaison, UX, UI, and project management.
He is also a qualified coffee cupping expert certified by the Coffee Quality Institute, and founder of a coffee supply chain management platform currently in stealth mode in Nairobi.
Senior Legal Counsel
Anthony was a Director of Credit Suisse in New York and in London, a Managing Director and General Counsel of GE’s Capital Markets Group, a Managing Director of Patomak Global Partners, a regulatory compliance consulting firm, General Counsel of a finance company, and a Director at Nomura Securities International. Anthony started his career as a corporate finance associate at a major international law firm.
He has a B.A. and a J.D. from the University of Virginia.
Maximilian M. Meduna
Director of Strategy
Max is managing a portfolio of projects at the Policy Unit of the International Centre for Migration Policy Development (ICMPD). Previously, at other international organisations, Max led efforts on strategic planning and impact-focused management as Monitoring and Evaluation Officer, worked on private sector development at the World Bank, peace operations and organised crime at the United Nations, subnational governance at New York University Abu Dhabi, and headed the global trends unit at the International Peace Institute.
He holds master’s degrees from the Johns Hopkins University SAIS, the Diplomatic Academy and the University of Vienna.
Andrea has worked in international affairs and conflict resolution for the last twenty-five years. She is currently Senior Advisor to the International Dialogue Centre and board member of the Ban Ki-moon Center for Global Citizens.
Her previous roles in global organizations include the position of Senior Director of the International Peace Institute and, among other board and leadership positions, President of the UN Delegates Association and Vice President of the Women’s International Forum. Andrea lived in Damascus, Dakar, New York, and Vienna.
She is married to Gerhard Pfanzelter, former Permanent Representative of Austria to the United Nations.
Mr Møller has over 40 years of experience in leadership positions in the United Nations. He served as Under-Secretary-General of the United Nations, Director-General of the UN Office at Geneva as well as Secretary-General of the UN Conference on Disarmament and personal representative of the Secretary-General to the conference.
Mr Møller is president of the Diplomatic Forum of the Geneva Science and Diplomacy Anticipator Foundation, principal advisor at Macro Advisory Partners and member of the boards of several foundations, including the Kofi Annan Foundation, where he previously served as Executive Director.
Mr Sy is the former Secretary General of the International Federation of Red Cross and Red Crescent Societies (IFRC). He currently serves as Chair of the Board of the Kofi Annan Foundation and Co-Chair of the Global Preparedness Monitoring Board.
Previously, Mr Sy held leadership positions with UNICEF, the United Nations Development Programme in New York, with the Global Fund to fight AIDS, Tuberculosis and Malaria and with UNAIDS. Before joining the United Nations, Mr Sy served as Director of Health and Development Programmes with Environment and Development Action in the Third World in Dakar, Senegal.
Mr Cleary is the Founder of the FutureWorld Foundation, Chairman of Strategic Concepts (Pty) Ltd, and a Director of Companies. He served in the South African Navy before a diplomatic career in the Middle East, United States and Namibia. As Chief Director in Namibia, he initiated negotiations between all political parties, the release of political prisoners and adoption of a justiciable Bill of Rights. He was a member of the Facilitating and Preparatory Committees for the National Peace Accord in South Africa and chaired the Working Group on the Code of Conduct for Political Parties.
He is on the Faculty of the Parmenides Foundation and lectures on global corporate strategy, conflict resolution and development. He serves on several advisory councils, including the Club de Madrid, EIT-Climate-KIC, and the Carnegie Artificial Intelligence and Equality Initiative.
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1. What Personal Data do we collect?
"Personal Data" is any information relating to you or that we can otherwise link to you. The Personal Data we collect include your name, postal address, e-mail address, phone and fax number, company name, company structure, job title and business affiliations.
2. How do we collect your Personal Data?
We collect personal data that you voluntarily provide to us, for example when (i) you communicate with us via e-mail or other channels, (ii) when you sign up for or ask us to send you information about or issued by aable and/or (iii) when you sign up for an event. In some cases your Personal Data has been supplemented by information retrieved from other sources, including searches via publically available search engines, sector-specific newsletters, social media and your employer’s website, for the purpose of confirming your current professional position.
3. How do we use your Personal Data?
We use the Personal Data we collect for communication purposes, including: (i) to send you information about or issued by aable; (ii) to send you invitations to events and conferences; and (iii) to maintain our list of contacts. We do not make your Personal Data available to any third party.
4. Why do we process your Personal Data and on what legal basis?
As set out above we process your Personal Data for communication purposes. We rely on our legitimate interests in maintaining business relationships and communicating with you as a business contact, about aable's activities and events. We consider that our legitimate interests are in compliance with the Regulation and your legal rights and freedoms.
5. Where is your Personal Data stored?
aable is a Swiss company and all your Personal Data, aable received, is processed and stored on servers in Switzerland.
6. With whom do we share your personal data?
In the context of the purposes mentioned above, we may share your personal data with third parties, such as parties that provides CRM services for aable.
We will ensure that, where relevant, contractual safeguards are implemented to ensure the protection of your Personal Data when disclosing your Personal Data to a third party. For example, we will enter into data processing agreements with relevant parties (providing for restrictions on the use of your Personal Data and obligations with respect to the protection and security of your Personal Data).
As a general rule, we do not share your Personal Data as set out above with other parties located in countries outside Switzerland and the European Union, which countries may offer a lower level of data protection. This may, however, be different in the event that there is a legitimate reason for providing data to parties located in such country.
In such case, it shall be ensured that adequate measures are taken to ensure adequate protection of your Personal Data in accordance with applicable data protection legislation. Generally, we will enter into the standard contractual clauses with the recipient of your Personal Data.
7. How long do we keep your Personal Data?
Your Personal Data will be saved for the specified purposes mentioned above for as long as you are a business contact to us. Your personal data will be deleted when it is no longer reasonably required for the specified purposes mentioned above or you withdraw your consent (where applicable) and we are not legally required or otherwise permitted to continue storing such data. You can unsubscribe at any time, if you no longer wish to receive communications and invitations from aable. If you choose to unsubscribe, we will cease to send you such communication and invitations as mentioned above.
8. Data Security
aable has implemented appropriate technical and organisational security measures to help protect your Personal Data against loss and to safeguard against access by unauthorised persons.
9. Your Rights
You have the right to know what Personal Data we process about you and may request a copy. You are also entitled to have incorrect Personal Data about you corrected and you may in some cases ask us to delete your Personal Data. You can also object to certain Personal Data about you being processed and request that processing of your Personal Data be limited. Please note that the limitation or deletion of your Personal Data may mean we will be unable to provide the communications and invitations described above. You also have the right to receive your Personal Data in a machine-readable format and have the data transferred to another party responsible for data processing. If you disagree with how we process your Personal Data, you are also entitled to report this to the Swiss Federal Data Protection and Information Commissioner (FDPIC) and/or to other the competent supervisory authorities in the European Union.
How to contact us
If you have any questions about how we process your Personal Data, please feel free to contact us here.