We are P2P lending company

Easier than a bank

Loan amount
This is amount you are willing to borrow
Period
10%
Interest rate
Monthly installment
You can ask for a loan 24/7
  • Loan Flat Fee: 5.00 €
  • Loan percent fee: 6.5%
  • Contract fee: 1%
  • Monthly fee: 0.25%
  • Total amount you receive:
  • Total amount repayable:
  • APR:

Representative example: A loan of 1000€ over 5 years will cost you 22.77€ per month at 10% interest rate.
The total cost after 5 years is 1366.20€. Your APR – 18.18%.

High return rates

We are now delivering one of the
highest return rates in the industry

> read more

Low default rate

We meet each borrower personally.
Only 7/100 gets funded.

> read more

Compensation Fund

Compensation fund aims
to cover all investor losses

> read more

Browse loans

+
User ID:
amu
Loan type:
/ Consumer
Amount:
1090€
Term:
18 months
Risk category:
b
Target rate:
20%
Offered rate:
16.10%
  • Loan Request
  • Income/Expenses & Loans
  • Lending Offers
Amount
1 090€
Loan term
18 months
Target rate
20%
Loan purpose
Car
Progress
100%
Avg Rate
16.10% from 76 offers
Listing ends
2017-03-28 08:30:02
Listing time left
20 hours
Registration date
2017-03-26
Age
32
Gender
Male
Post Town
Kauno r.
Marital Status
Married
Dependents
2
Residential Status
Other
Education
High school
Occupation
Ūkio darbininkas / Farm worker
Months at current employer
72 or more
Years working in total
13
Available Income
778 €
Monthly Income
926 €
Monthly Expenses
148 €
Debt Repayments v Income (DTI) Ratio
24% Ratio is acceptable
Employment status
Employed
Outstanding debts and financial obligations
-
Date of the last registered payment of debt and financial obligations
2011-03-03

Reverse auction bids in ascending interest rate sequence. Status means:
✓ = offer included in loan
✗ = offer not included in loan, has been bumped-off by lower interest rate bids
(✓) = offer partially included in loan, not all of the amount bid, is in the loan
WAB - Weighted Average Bid

IDLenderAmountRateDateStatus
+
User ID:
aiduliukas67
Loan type:
/ Consumer
Amount:
670€
Term:
60 months
Risk category:
c
Target rate:
24%
Offered rate:
20.65%
  • Loan Request
  • Income/Expenses & Loans
  • Lending Offers
Amount
670€
Loan term
60 months
Target rate
24%
Loan purpose
Car
Progress
100%
Avg Rate
20.65% from 45 offers
Listing ends
2017-03-28 09:00:01
Listing time left
21 hours
Registration date
2017-03-26
Age
35
Gender
Female
Post Town
Marijampolė
Marital Status
Married
Dependents
2
Residential Status
Owner
Education
High school
Occupation
Vyr.pardavėja / Senior seller
Months at current employer
12
Years working in total
17
Available Income
746 €
Monthly Income
917 €
Monthly Expenses
171 €
Debt Repayments v Income (DTI) Ratio
21% Ratio is acceptable
Employment status
Employed
Outstanding debts and financial obligations
-
Date of the last registered payment of debt and financial obligations
2015-08-03

Reverse auction bids in ascending interest rate sequence. Status means:
✓ = offer included in loan
✗ = offer not included in loan, has been bumped-off by lower interest rate bids
(✓) = offer partially included in loan, not all of the amount bid, is in the loan
WAB - Weighted Average Bid

IDLenderAmountRateDateStatus
+
User ID:
egis34
Loan type:
/ Consumer
Amount:
1630€
Term:
33 months
Risk category:
b
Target rate:
20%
Offered rate:
19.02%
  • Loan Request
  • Income/Expenses & Loans
  • Lending Offers
Amount
1 630€
Loan term
33 months
Target rate
20%
Loan purpose
Car
Progress
100%
Avg Rate
19.02% from 115 offers
Listing ends
2017-03-28 08:30:02
Listing time left
20 hours
Registration date
2017-03-26
Age
34
Gender
Male
Post Town
Klaipėda r.
Marital Status
Single
Dependents
0
Residential Status
Owner
Education
High school
Occupation
Statybininkas / Construction worker
Months at current employer
24
Years working in total
5
Available Income
175 €
Monthly Income
175 €
Monthly Expenses
0 €
Debt Repayments v Income (DTI) Ratio
40% Ratio is acceptable
Employment status
Employed Part Time
Outstanding debts and financial obligations
-
Date of the last registered payment of debt and financial obligations
2009-03-26

Reverse auction bids in ascending interest rate sequence. Status means:
✓ = offer included in loan
✗ = offer not included in loan, has been bumped-off by lower interest rate bids
(✓) = offer partially included in loan, not all of the amount bid, is in the loan
WAB - Weighted Average Bid

IDLenderAmountRateDateStatus
+
User ID:
elad
Loan type:
/ Consumer
Amount:
4330€
Term:
48 months
Risk category:
b
Target rate:
20%
Offered rate:
24.00%
  • Loan Request
  • Income/Expenses & Loans
  • Lending Offers
Amount
4 330€
Loan term
48 months
Target rate
20%
Loan purpose
Car
Progress
50%
Avg Rate
24.00% from 76 offers
Listing ends
2017-04-11 08:50:36
Listing time left
14 days
Registration date
2017-03-26
Age
52
Gender
Female
Post Town
Raseinių r.
Marital Status
Married
Dependents
0
Residential Status
Tenant
Education
High school
Occupation
Iškrovėja / Unloader
Months at current employer
09
Years working in total
20
Available Income
371 €
Monthly Income
376 €
Monthly Expenses
5 €
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
2016-06-11

Reverse auction bids in ascending interest rate sequence. Status means:
✓ = offer included in loan
✗ = offer not included in loan, has been bumped-off by lower interest rate bids
(✓) = offer partially included in loan, not all of the amount bid, is in the loan
WAB - Weighted Average Bid

IDLenderAmountRateDateStatus
+
User ID:
Tomke
Loan type:
/ Consumer
Amount:
560€
Term:
12 months
Risk category:
c
Target rate:
24%
Offered rate:
17.78%
  • Loan Request
  • Income/Expenses & Loans
  • Lending Offers
Amount
560€
Loan term
12 months
Target rate
24%
Loan purpose
Other Purposes
Progress
100%
Avg Rate
17.78% from 41 offers
Listing ends
2017-03-28 09:00:01
Listing time left
21 hours
Registration date
2017-03-26
Age
20
Gender
Female
Post Town
Vilnius
Marital Status
Single
Dependents
0
Residential Status
Other
Education
Vocational education
Occupation
Kasininkė / Cashier
Months at current employer
03
Years working in total
0.4
Available Income
289 €
Monthly Income
289 €
Monthly Expenses
0 €
Debt Repayments v Income (DTI) Ratio
19% Ratio is acceptable
Employment status
Employed
Outstanding debts and financial obligations
-
Date of the last registered payment of debt and financial obligations
-

Reverse auction bids in ascending interest rate sequence. Status means:
✓ = offer included in loan
✗ = offer not included in loan, has been bumped-off by lower interest rate bids
(✓) = offer partially included in loan, not all of the amount bid, is in the loan
WAB - Weighted Average Bid

IDLenderAmountRateDateStatus
+
User ID:
mamama86
Loan type:
/ Consumer
Amount:
1050€
Term:
18 months
Risk category:
d
Target rate:
27%
Offered rate:
23.74%
  • Loan Request
  • Income/Expenses & Loans
  • Lending Offers
Amount
1 050€
Loan term
18 months
Target rate
27%
Loan purpose
Consolidation of Other Loans
Progress
100%
Avg Rate
23.74% from 68 offers
Listing ends
2017-03-28 10:00:01
Listing time left
22 hours
Registration date
2017-03-27
Age
30
Gender
Female
Post Town
Naujoji Akmenė
Marital Status
Divorced
Dependents
1
Residential Status
Tenant
Education
Vocational education
Occupation
Kasininkė / Cashier
Months at current employer
36
Years working in total
12
Available Income
451 €
Monthly Income
451 €
Monthly Expenses
0 €
Debt Repayments v Income (DTI) Ratio
17% Ratio is acceptable
Employment status
Employed
Outstanding debts and financial obligations
-
Date of the last registered payment of debt and financial obligations
2016-01-22

Reverse auction bids in ascending interest rate sequence. Status means:
✓ = offer included in loan
✗ = offer not included in loan, has been bumped-off by lower interest rate bids
(✓) = offer partially included in loan, not all of the amount bid, is in the loan
WAB - Weighted Average Bid

IDLenderAmountRateDateStatus
+
User ID:
gintaras308
Loan type:
/ Consumer
Amount:
970€
Term:
33 months
Risk category:
d
Target rate:
27%
Offered rate:
25.31%
  • Loan Request
  • Income/Expenses & Loans
  • Lending Offers
Amount
970€
Loan term
33 months
Target rate
27%
Loan purpose
Consolidation of Other Loans
Progress
100%
Avg Rate
25.31% from 51 offers
Listing ends
2017-03-28 10:30:02
Listing time left
22 hours
Registration date
2017-03-27
Age
51
Gender
Male
Post Town
Telšių r.
Marital Status
Divorced
Dependents
0
Residential Status
Tenant
Education
Vocational education
Occupation
Santechnikas / Plumber
Months at current employer
09
Years working in total
29
Available Income
274 €
Monthly Income
331 €
Monthly Expenses
57 €
Debt Repayments v Income (DTI) Ratio
31% Ratio is acceptable
Employment status
Employed
Outstanding debts and financial obligations
-
Date of the last registered payment of debt and financial obligations
2016-05-03

Reverse auction bids in ascending interest rate sequence. Status means:
✓ = offer included in loan
✗ = offer not included in loan, has been bumped-off by lower interest rate bids
(✓) = offer partially included in loan, not all of the amount bid, is in the loan
WAB - Weighted Average Bid

IDLenderAmountRateDateStatus
+
User ID:
Klera
Loan type:
/ Consumer
Amount:
7050€
Term:
45 months
Risk category:
d
Target rate:
27%
Offered rate:
32.00%
  • Loan Request
  • Income/Expenses & Loans
  • Lending Offers
Amount
7 050€
Loan term
45 months
Target rate
27%
Loan purpose
Consolidation of Other Loans
Progress
12%
Avg Rate
32.00% from 29 offers
Listing ends
2017-04-11 11:00:13
Listing time left
14 days
Registration date
2017-03-25
Age
31
Gender
Male
Post Town
Trakų r,
Marital Status
Married
Dependents
1
Residential Status
Owner
Education
Vocational education
Occupation
Operatorius / Operator
Months at current employer
09
Years working in total
12
Available Income
1 162 €
Monthly Income
1 226 €
Monthly Expenses
64 €
Debt Repayments v Income (DTI) Ratio
28% Ratio is acceptable
Employment status
Employed
Outstanding debts and financial obligations
-
Date of the last registered payment of debt and financial obligations
2014-06-02

Reverse auction bids in ascending interest rate sequence. Status means:
✓ = offer included in loan
✗ = offer not included in loan, has been bumped-off by lower interest rate bids
(✓) = offer partially included in loan, not all of the amount bid, is in the loan
WAB - Weighted Average Bid

IDLenderAmountRateDateStatus
+
User ID:
loretina
Loan type:
/ Consumer
Amount:
1830€
Term:
45 months
Risk category:
d
Target rate:
27%
Offered rate:
22.50%
  • Loan Request
  • Income/Expenses & Loans
  • Lending Offers
Amount
1 830€
Loan term
45 months
Target rate
27%
Loan purpose
Home Improvements
Progress
100%
Avg Rate
22.50% from 84 offers
Listing ends
2017-03-25 14:00:01
Registration date
2017-03-24
Age
47
Gender
Female
Post Town
Ukmergė
Marital Status
Divorced
Dependents
0
Residential Status
Owner
Education
High school
Occupation
Kasininkė / Cashier
Months at current employer
03
Years working in total
27
Available Income
248 €
Monthly Income
289 €
Monthly Expenses
41 €
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
2016-01-13

Reverse auction bids in ascending interest rate sequence. Status means:
✓ = offer included in loan
✗ = offer not included in loan, has been bumped-off by lower interest rate bids
(✓) = offer partially included in loan, not all of the amount bid, is in the loan
WAB - Weighted Average Bid

IDLenderAmountRateDateStatus
d
+
User ID:
Optimaforma
Loan type:
/ Business
Amount:
2500€
Term:
3 months
Risk category:
d
Target rate:
18%
Offered rate:
18.00%
Collateral:
  • Loan Request
  • Company Details
  • Financials
  • Collaterals
  • Lending Offers
Amount
2 500€
Loan term
3 months
Target rate
18%
Loan purpose
Working capital
Progress
100%
Avg Rate
18.00% from 55 offers
Listing ends
2017-04-08 22:17:57
Listing time left
12 days
Business Type
Limited liability company
Business Sector
Apranga; Siuvimas; medžiagos // clothing, sewing, fabrics
Product Service
prekyba audiniais // selling fabrics
Business Region
-
Years Trading
21
Number Of Employees
9

Business description

UAB Optima forma veikia nuo 1996 metų. Pagrindinė veikla - prekyba ekskliuzyviniais audiniais ir nėriniais.
Prancūzų kompanijos Sophie Hallette, gaminančios rankų darbo nėrinius atstovai Pabaltijui. Daugiau apie įmonę http://www.optimaforma.lt/
Paskolos lėšos bus naudojamos naujo sezono audinių įsigijimui. Už paskolą garantuoja įmonės vadovė.
//

Company started its operations in 1996. Main activity - trade of authentic and exclusive fabrics. Company is also a representative of French handmade fabric producer - Sophie Hallette. More about the borrower at http://www.optimaforma.lt/
Loan will be used to finance purchase of new season fabrics. Loan is secured by the guaranty of the company's manager.

Profit (loss) report

Amount in euros
2016-12-312015-12-31
Turnover
61 31960 260
Cost of sales
-31 824-29 300
Gross profit
29 49530 960
Operating costs
-33 995-28 153
Operating profit
-4 5002 807
Other income
-6 665-8 829
Income from financial and investing activities
Gross operating profit
-11 165-6 022
Extra ordinary gain
Extra ordinary loss
Profit before tax
-11 165-6 022
Profit tax
Net income
-11 165-6 022

Balance sheet

Amount in euros
2016-12-312015-12-31
Long term assets
15 66320 657
Intangible assets
Material assets
14 15719 151
Financial assets
Other long term assets
1 5061 506
Short term assets
119 649118 122
Stock advance payments contracts in progress
104 447104 199
Amount to be received within one year
Other short term assets
15 20213 923
Cash and cash equivalents
Total assets
135 312138 779
Capital and reserves
99 661110 826
Statutory capital
Reappraisal reserves
Reserves
Retained earnings
Donations and subsidies
Amount to be paid and liabilities
35 65127 953
Amounts to be paid after one year and long term liabilities
Amount to be paid within one year and short term liabilities
35 65127 953
Liabilities in total
135 312138 779
Director's/shareholder's guarantee
Yes
Key customers
-

Reverse auction bids in ascending interest rate sequence. Status means:
✓ = offer included in loan
✗ = offer not included in loan, has been bumped-off by lower interest rate bids
(✓) = offer partially included in loan, not all of the amount bid, is in the loan
WAB - Weighted Average Bid

IDLenderAmountRateDateStatus
d

About FinBee

FinBee is one of the fastest growing P2P lending platforms in Europe. Our values and professional team creates environment where everyone wins. Borrowers get better rates, investors get high returns, FinBee gets happy clients. Start using FinBee now and you will be amazed with results.

> read more

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