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WHY INVEST WITH FINBEE?

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We are an international company with solid results

As of 2017, Our historical interest rate of 21%
and NPL rate of 4.8% is one of the best in among European p2p platforms.

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Business and Consumer loans

As an investor, you can invest into personal loans or business loans.

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We sign every loan contract in person

We sign every loan contract with our borrowers in person.
This adds an extra layer of security for your investment.

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NOW YOU CAN INVEST TO

+
User ID:
Tomaspet
Country:
Loan type:
/ Consumer
Amount:
5 035 €
Term:
60 months
Risk category:
b
Target rate:
17%
  • Loan Request
  • Income/Expenses & Loans
  • Lending Offers
Amount
5 035 €
Loan term
60 months
Target rate
17%
Loan purpose
Consolidation of Other Loans
Progress
86%
Listing ends
2019-02-24 23:35:28
Listing time left
3 days
Available Income
361 €
Monthly Income
361 €
Existing loans payments
0 €
Debt Repayments v Income (DTI) Ratio
40% Ratio is acceptable
Employment status
Employed
Outstanding debts and financial obligations
-
Date of the last registered payment of debt and financial obligations
2016-02-06

Auction bids are sorted by date loan offer was added to the lending offers list. On the top are the newest offers.
✓ = offer included in loan
(✓) = offer partially included in loan, not all of the amount bid, is in the loan

IDLenderAmountRateDateStatus
+
User ID:
Mindaugas91
Country:
Loan type:
/ Consumer
Amount:
4 780 €
Term:
60 months
Risk category:
b
Target rate:
17%
  • Loan Request
  • Income/Expenses & Loans
  • Lending Offers
Amount
4 780 €
Loan term
60 months
Target rate
17%
Loan purpose
Consolidation of Other Loans
Progress
98%
Listing ends
2019-02-26 16:40:23
Listing time left
5 days
Available Income
352 €
Monthly Income
358 €
Existing loans payments
6 €
Debt Repayments v Income (DTI) Ratio
40% Ratio is acceptable
Employment status
Employed
Outstanding debts and financial obligations
-
Date of the last registered payment of debt and financial obligations
2016-08-23

Auction bids are sorted by date loan offer was added to the lending offers list. On the top are the newest offers.
✓ = offer included in loan
(✓) = offer partially included in loan, not all of the amount bid, is in the loan

IDLenderAmountRateDateStatus
+
User ID:
87992152
Country:
Loan type:
/ Consumer
Amount:
9 950 €
Term:
60 months
Risk category:
b
Target rate:
17%
  • Loan Request
  • Income/Expenses & Loans
  • Lending Offers
Amount
9 950 €
Loan term
60 months
Target rate
17%
Loan purpose
Other Purposes
Progress
76%
Listing ends
2019-02-27 14:08:22
Listing time left
6 days
Available Income
2 232 €
Monthly Income
2 232 €
Existing loans payments
0 €
Debt Repayments v Income (DTI) Ratio
13% Ratio is acceptable
Employment status
Employed
Outstanding debts and financial obligations
-
Date of the last registered payment of debt and financial obligations
-

Auction bids are sorted by date loan offer was added to the lending offers list. On the top are the newest offers.
✓ = offer included in loan
(✓) = offer partially included in loan, not all of the amount bid, is in the loan

IDLenderAmountRateDateStatus
+
User ID:
Mantas21
Country:
Loan type:
/ Consumer
Amount:
7 680 €
Term:
47 months
Risk category:
d
Target rate:
27%
  • Loan Request
  • Income/Expenses & Loans
  • Lending Offers
Amount
7 680 €
Loan term
47 months
Target rate
27%
Loan purpose
Consolidation of Other Loans
Progress
61%
Listing ends
2019-02-28 18:41:02
Listing time left
7 days
Available Income
1 095 €
Monthly Income
1 149 €
Existing loans payments
54 €
Debt Repayments v Income (DTI) Ratio
32% Ratio is acceptable
Employment status
Employed
Outstanding debts and financial obligations
-
Date of the last registered payment of debt and financial obligations
2018-03-20

Auction bids are sorted by date loan offer was added to the lending offers list. On the top are the newest offers.
✓ = offer included in loan
(✓) = offer partially included in loan, not all of the amount bid, is in the loan

IDLenderAmountRateDateStatus
+
User ID:
dzika
Country:
Loan type:
/ Consumer
Amount:
7 180 €
Term:
48 months
Risk category:
b
Target rate:
15%
  • Loan Request
  • Income/Expenses & Loans
  • Lending Offers
Amount
7 180 €
Loan term
48 months
Target rate
15%
Loan purpose
Consolidation of Other Loans
Progress
77%
Listing ends
2019-02-28 20:54:06
Listing time left
7 days
Available Income
1 032 €
Monthly Income
1 032 €
Existing loans payments
0 €
Debt Repayments v Income (DTI) Ratio
22% Ratio is acceptable
Employment status
Employed
Outstanding debts and financial obligations
-
Date of the last registered payment of debt and financial obligations
2017-03-17

Auction bids are sorted by date loan offer was added to the lending offers list. On the top are the newest offers.
✓ = offer included in loan
(✓) = offer partially included in loan, not all of the amount bid, is in the loan

IDLenderAmountRateDateStatus
+
User ID:
virginta
Country:
Loan type:
/ Business
Amount:
17 000 €
Term:
15 months
Risk category:
c
Target rate:
15%
Collateral:
  • Loan Request
  • Company Details
  • Financials
  • Collaterals
  • Lending Offers
Amount
17 000 €
Loan term
15 months
Target rate
15%
Loan purpose
Working capital
Progress
98%
Repayments plan type
Amortizing
Listing ends
2019-02-23 14:32:36
Listing time left
2 days
Business Type
Limited liability company
Business Sector
Logistikos paslaugos; Transporto paslaugos
Product Service
-
Business Region
-
Years Trading
7
Number Of Employees
8

Business description

Virginta, UAB main activity – freight transportation. Company was launched in 2011, sales for 2018 - €299.675, 2017 - €264.607. The company needs a loan for working capital financing. The loan is personally guaranteed by the CEO.

//

Virginta, UAB pagrindinė veikla – krovinių pervežimas. Įmonė veiklą pradėjo 2011 metais, pardavimai už 2018 m. - €299.675, už 2017 - €264.607. Įmonei reikalinga paskola apyvartinių lėšų papildymui. Už paskolą asmeniškai garantuoja įmonės vadovas.

Profit (loss) report

Amount in euros
2018-12-312017-12-31
Turnover
299675264607
Cost of sales
13367978752
Gross profit
165996185855
Operating costs
133689186840
Operating profit
32307-985
Other income
1069
Income from financial and investing activities
-4652-5237
Gross operating profit
27655-5153
Extra ordinary gain
Extra ordinary loss
Profit before tax
27655-5153
Profit tax
Net income
27655-5153

Balance sheet

Amount in euros
2018-12-312017-12-31
Long term assets
132005127372
Intangible assets
Material assets
132005127372
Financial assets
Other long term assets
Short term assets
5194924865
Stock advance payments contracts in progress
985313581
Amount to be received within one year
411569964
Other short term assets
507507
Cash and cash equivalents
433813
Total assets
183954152237
Capital and reserves
6846429225
Statutory capital
2639114481
Reappraisal reserves
Reserves
29752975
Retained earnings
3909811769
Donations and subsidies
Amount to be paid and liabilities
115491123012
Amounts to be paid after one year and long term liabilities
8681271671
Amount to be paid within one year and short term liabilities
2867951341
Liabilities in total
183955152237
Director's/shareholder's guarantee
Yes
Key customers
-

Auction bids are sorted by date loan offer was added to the lending offers list. On the top are the newest offers.
✓ = offer included in loan
(✓) = offer partially included in loan, not all of the amount bid, is in the loan

IDLenderAmountRateDateStatus
+
User ID:
tepalubaze
Country:
Loan type:
/ Business
Amount:
13 000 €
Term:
22 months
Risk category:
c
Target rate:
15%
Collateral:
  • Loan Request
  • Company Details
  • Financials
  • Collaterals
  • Lending Offers
Amount
13 000 €
Loan term
22 months
Target rate
15%
Loan purpose
Working capital
Progress
97%
Repayments plan type
Amortizing
Listing ends
2019-02-26 12:36:27
Listing time left
5 days
Business Type
Other
Business Sector
Autokosmetika; Tepalai, alyvos // Autocosmetics, oil,
Product Service
Autokosmetika; Tepalai, alyvos // Autocosmetics, oil,
Business Region
-
Years Trading
3
Number Of Employees
2

Business description

Tepalų bazė, UAB main activity – sales of oil products. Company was launched in 2016, sales for 2018 - €277.293, 2017 - €171.193. The company needs a loan for working capital financing. The loan is personally guaranteed by the CEO.

Additional note: On a FinBee Business platform, company is borrowing for a third time. All instalments were paid on time.

//

Tepalų bazė, UAB pagrindinė veikla – tepalų pardavimas. Įmonė veiklą pradėjo 2016 metais, pardavimai už 2018 m. - €277.293, už 2017 - €171.193. Įmonei reikalinga paskola apyvartinių lėšų papildymui. Už paskolą asmeniškai garantuoja įmonės vadovas.

Papildomas komentaras: FinBee Verslui platformoje, įmonė skolinasi trečią kartą. Visos įmokos įmokėtos laiku.

Profit (loss) report

Amount in euros
2018-12-312017-12-31
Turnover
277293171193
Cost of sales
227762138873
Gross profit
4953132320
Operating costs
5346040981
Operating profit
-3929-8661
Other income
1650
Income from financial and investing activities
-1989-1435
Gross operating profit
-4268-10096
Extra ordinary gain
Extra ordinary loss
Profit before tax
-4268-10096
Profit tax
Net income
-4268-10096

Balance sheet

Amount in euros
2018-12-312017-12-31
Long term assets
61785195
Intangible assets
834
Material assets
42455161
Financial assets
1925
Other long term assets
Short term assets
6115351453
Stock advance payments contracts in progress
3628225008
Amount to be received within one year
2376118291
Other short term assets
2471815
Cash and cash equivalents
8636339
Total assets
6733156648
Capital and reserves
-26458-22190
Statutory capital
300300
Reappraisal reserves
Reserves
Retained earnings
-26758-22490
Donations and subsidies
Amount to be paid and liabilities
9378978838
Amounts to be paid after one year and long term liabilities
1714633162
Amount to be paid within one year and short term liabilities
7664345676
Liabilities in total
6733156648
Director's/shareholder's guarantee
Yes
Key customers
-

Auction bids are sorted by date loan offer was added to the lending offers list. On the top are the newest offers.
✓ = offer included in loan
(✓) = offer partially included in loan, not all of the amount bid, is in the loan

IDLenderAmountRateDateStatus
+
User ID:
klemas
Country:
Loan type:
/ Consumer
Amount:
4 000 €
Term:
48 months
Risk category:
b
Target rate:
15%
  • Loan Request
  • Income/Expenses & Loans
  • Lending Offers
Amount
4 000 €
Loan term
48 months
Target rate
15%
Loan purpose
Other Purposes
Progress
49%
Listing ends
2019-03-05 19:59:35
Listing time left
12 days
Available Income
384 €
Monthly Income
404 €
Existing loans payments
20 €
Debt Repayments v Income (DTI) Ratio
36% Ratio is acceptable
Employment status
Employed
Outstanding debts and financial obligations
-
Date of the last registered payment of debt and financial obligations
2014-12-29

Auction bids are sorted by date loan offer was added to the lending offers list. On the top are the newest offers.
✓ = offer included in loan
(✓) = offer partially included in loan, not all of the amount bid, is in the loan

IDLenderAmountRateDateStatus
+
User ID:
zivile78
Country:
Loan type:
/ Consumer
Amount:
7 000 €
Term:
60 months
Risk category:
b
Target rate:
17%
  • Loan Request
  • Income/Expenses & Loans
  • Lending Offers
Amount
7 000 €
Loan term
60 months
Target rate
17%
Loan purpose
Car
Progress
37%
Listing ends
2019-03-05 19:55:38
Listing time left
12 days
Available Income
505 €
Monthly Income
505 €
Existing loans payments
0 €
Debt Repayments v Income (DTI) Ratio
40% Ratio is acceptable
Employment status
Employed
Outstanding debts and financial obligations
-
Date of the last registered payment of debt and financial obligations
2018-03-22

Auction bids are sorted by date loan offer was added to the lending offers list. On the top are the newest offers.
✓ = offer included in loan
(✓) = offer partially included in loan, not all of the amount bid, is in the loan

IDLenderAmountRateDateStatus
+
User ID:
mindaugasas
Country:
Loan type:
/ Consumer
Amount:
6 600 €
Term:
58 months
Risk category:
c
Target rate:
22%
  • Loan Request
  • Income/Expenses & Loans
  • Lending Offers
Amount
6 600 €
Loan term
58 months
Target rate
22%
Loan purpose
Other Purposes
Progress
74%
Listing ends
2019-03-05 20:06:56
Listing time left
12 days
Available Income
4 010 €
Monthly Income
4 165 €
Existing loans payments
155 €
Debt Repayments v Income (DTI) Ratio
9% Ratio is acceptable
Employment status
Employed
Outstanding debts and financial obligations
-
Date of the last registered payment of debt and financial obligations
-

Auction bids are sorted by date loan offer was added to the lending offers list. On the top are the newest offers.
✓ = offer included in loan
(✓) = offer partially included in loan, not all of the amount bid, is in the loan

IDLenderAmountRateDateStatus

HOW TO START INVESTING

  • 1

    Open your account

    It will take you just a few moments to open your account. Transfer money you want to invest.

  • 2

    Choose automated lending portfolio

    Choose automated lending portfolio or invest manually. Investing has never been that easy!

  • 3

    Cash out or reinvest your money

    Each month you will get your monthly instalments. Cash out or reinvest your money.

PLEASE HAVE IN MIND!

Even if FinBee makes all what is possible to provide you with credit worthy borrowers it is your own risk to choose whom to lend your money. We highly recommend you to start lending in small amounts, understand the risks of Peer-to-Peer lending and only then increase your amounts.

HOW TO MITAGETE INVESTMENT RISK OF BUSINESS LOANS?

Experienced credit scoring specialists team at FinBee checks every single application and selects the very few best companies to invest to. Despite that, some of the companies might have difficulties to make payments and/or repay the loan what may lead the investors to losing part or all invested funds. We would like to mention that funds invested to the loans are not covered by deposit insurance provided by the Republic of Lithuania. Possible losses may be lowered by diversifying the investments, i.e. spreading your investments over a number of borrowers. Before investing to a specific business loan we strongly suggest to consider company’s financial results, activity sector, activity region, Head of the company, reviews of the service, offered pledges and also feel free to ask questions about the borrower.

  • A*Low Risk
  • ALower Risk
  • BMedium Risk
  • CHigher Risk
  • DHigh Risk
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