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Business and Consumer loans

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

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NOW YOU CAN INVEST TO

+
User ID:
celerauto
Country:
Loan type:
/ Business
Amount:
12 000 €
Term:
15 months
Risk category:
b
Target rate:
15%
Collateral:
  • Loan Request
  • Company Details
  • Financials
  • Collaterals
  • Lending Offers
Amount
12 000 €
Loan term
15 months
Target rate
15%
Loan purpose
Working capital
Progress
28%
Repayments plan type
Amortizing
Listing ends
2018-07-26 17:10:56
Listing time left
5 days
Business Type
Limited liability company
Business Sector
Automobilių dalys; Autoservisai; Teisinės paslaugos; Turto vertinimas
Product Service
-
Business Region
-
Years Trading
10
Number Of Employees
7

Business description

Celerauto, UAB main activity – car repair works. Company was launched in 2008, sales for 2018 Q1 - €83.335, for 2017 - €446.075, for 2016 - €360.546. Sales increased by 24% over the year. The company needs a loan for working capital financing. The loan funds are planned to be used for purchase of stock. The loan is personally guaranteed by the CEO.

More information about company: http://www.celerauto.lt/

//

Celerauto, UAB pagrindinė veikla – automobilių remontas. Įmonė veiklą pradėjo 2008 metais, pardavimai už 2018 pirmą ketvirtį - €83.335, už 2017 metus - €446.075, už 2016 - €360.546. Per metus pardavimai išaugo 24%. Įmonei reikalinga paskola apyvartinių lėšų papildymui. Už paskolos lėšas yra planuojama nusipirkti atsargų. Už paskolą asmeniškai garantuoja įmonės vadovas.

Daugiau informacijos apie įmonę: http://www.celerauto.lt/

Profit (loss) report

Amount in euros
2018-03-312017-12-312016-12-31
Turnover
83335446075360546
Cost of sales
55393341216280440
Gross profit
2794210485980106
Operating costs
262189790978790
Operating profit
172469501316
Other income
Income from financial and investing activities
546-156
Gross operating profit
172474961160
Extra ordinary gain
Extra ordinary loss
Profit before tax
172474961160
Profit tax
47286
Net income
172470241074

Balance sheet

Amount in euros
2018-03-312017-12-312016-12-31
Long term assets
101510632145
Intangible assets
Material assets
101510632145
Financial assets
Other long term assets
Short term assets
835519291775622
Stock advance payments contracts in progress
285192172921052
Amount to be received within one year
Other short term assets
550327118854570
Cash and cash equivalents
Total assets
854599447878110
Capital and reserves
7527112914267
Statutory capital
Reappraisal reserves
Reserves
Retained earnings
Donations and subsidies
Amount to be paid and liabilities
779328318773843
Amounts to be paid after one year and long term liabilities
Amount to be paid within one year and short term liabilities
779328318773843
Liabilities in total
854599447878110
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:
VMPT
Country:
Loan type:
/ Business
Amount:
17 000 €
Term:
15 months
Risk category:
b
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
83%
Repayments plan type
Amortizing
Listing ends
2018-07-24 23:38:00
Listing time left
3 days
Business Type
Other
Business Sector
mašinų (ne automobilių) montavimas, remontas, gamyba
Product Service
-
Business Region
-
Years Trading
5
Number Of Employees
6

Business description

VMPT, MB main activity – manufacturing of furniture components. Company was launched in 2013, sales for 2017 - €446.674, 2016 - €315.589. The company needs a loan for working capital financing. The company has increasing amount of order from the clients therefore the need for additional working capital. The loan is personally guaranteed by the CEO.

//

VMPT, MB pagrindinė veikla – baldų komponentų gamyba. Įmonė veiklą pradėjo 2013 metais, pardavimai už 2017 metus – €446.674, 2016 - €315.589. Įmonei reikalinga paskola apyvartinių lėšų papildymui. Įmonė gauna daugiau užsakymų nei įprastai ir dėl to išaugo apyvartinių lėšų poreikis. Už paskolą asmeniškai garantuoja įmonės vadovas.

Profit (loss) report

Amount in euros
2017-12-312016-12-312015-12-31
Turnover
446674315589298646
Cost of sales
6448321998141560
Gross profit
382191293591157086
Operating costs
139816129773
Operating profit
242375163818157086
Other income
12-18393
Income from financial and investing activities
-7-8
Gross operating profit
242369163812138693
Extra ordinary gain
Extra ordinary loss
Profit before tax
242369163812138693
Profit tax
36390248306935
Net income
205979138982131758

Balance sheet

Amount in euros
2017-12-312016-12-312015-12-31
Long term assets
120215871564
Intangible assets
Material assets
120215871564
Financial assets
Other long term assets
Short term assets
470703360230403
Stock advance payments contracts in progress
750654076225
Amount to be received within one year
152475605
Other short term assets
24178
Cash and cash equivalents
2431722590
Total assets
482723518931967
Capital and reserves
43511664
Statutory capital
Reappraisal reserves
Reserves
Retained earnings
435
Donations and subsidies
Amount to be paid and liabilities
478373518915203
Amounts to be paid after one year and long term liabilities
Amount to be paid within one year and short term liabilities
478373518915203
Liabilities in total
482723518931967
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:
Valdemar90
Country:
Loan type:
/ Consumer
Amount:
5 420 €
Term:
60 months
Risk category:
b
Target rate:
18%
  • Loan Request
  • Income/Expenses & Loans
  • Lending Offers
Amount
5 420 €
Loan term
60 months
Target rate
18%
Loan purpose
Car
Progress
67%
Listing ends
2018-07-25 11:30:00
Listing time left
3 days
Available Income
403 €
Monthly Income
403 €
Existing loans payments
0 €
Debt Repayments v Income (DTI) Ratio
39% Ratio is acceptable
Employment status
Self-Employed
Outstanding debts and financial obligations
-
Date of the last registered payment of debt and financial obligations
2016-09-03

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:
Raida
Country:
Loan type:
/ Consumer
Amount:
4 120 €
Term:
41 months
Risk category:
b
Target rate:
16%
  • Loan Request
  • Income/Expenses & Loans
  • Lending Offers
Amount
4 120 €
Loan term
41 months
Target rate
16%
Loan purpose
Other Purposes
Progress
68%
Listing ends
2018-07-25 14:54:00
Listing time left
3 days
Available Income
364 €
Monthly Income
364 €
Existing loans payments
0 €
Debt Repayments v Income (DTI) Ratio
39% Ratio is acceptable
Employment status
Employed
Outstanding debts and financial obligations
-
Date of the last registered payment of debt and financial obligations
2014-09-17

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:
Almar
Country:
Loan type:
/ Consumer
Amount:
7 735 €
Term:
60 months
Risk category:
a
Target rate:
14%
  • Loan Request
  • Income/Expenses & Loans
  • Lending Offers
Amount
7 735 €
Loan term
60 months
Target rate
14%
Loan purpose
Business Purposes
Progress
23%
Listing ends
2018-07-23 14:37:00
Listing time left
1 day
Available Income
5 102 €
Monthly Income
7 135 €
Existing loans payments
2 033 €
Debt Repayments v Income (DTI) Ratio
31% Ratio is acceptable
Employment status
Self-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:
Almar
Country:
Loan type:
/ Consumer
Amount:
7 735 €
Term:
60 months
Risk category:
a
Target rate:
14%
  • Loan Request
  • Income/Expenses & Loans
  • Lending Offers
Amount
7 735 €
Loan term
60 months
Target rate
14%
Loan purpose
Business Purposes
Progress
20%
Listing ends
2018-07-23 14:38:00
Listing time left
1 day
Available Income
5 102 €
Monthly Income
7 135 €
Existing loans payments
2 033 €
Debt Repayments v Income (DTI) Ratio
31% Ratio is acceptable
Employment status
Self-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:
olgav
Country:
Loan type:
/ Consumer
Amount:
6 000 €
Term:
60 months
Risk category:
a
Target rate:
14%
  • Loan Request
  • Income/Expenses & Loans
  • Lending Offers
Amount
6 000 €
Loan term
60 months
Target rate
14%
Loan purpose
Home Improvements
Progress
43%
Listing ends
2018-07-25 11:41:00
Listing time left
3 days
Available Income
811 €
Monthly Income
1 024 €
Existing loans payments
213 €
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
2015-11-17

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:
Justas880
Country:
Loan type:
/ Consumer
Amount:
3 790 €
Term:
48 months
Risk category:
b
Target rate:
16%
  • Loan Request
  • Income/Expenses & Loans
  • Lending Offers
Amount
3 790 €
Loan term
48 months
Target rate
16%
Loan purpose
Consolidation of Other Loans
Progress
62%
Listing ends
2018-07-23 16:25:30
Listing time left
1 day
Available Income
420 €
Monthly Income
451 €
Existing loans payments
31 €
Debt Repayments v Income (DTI) Ratio
33% Ratio is acceptable
Employment status
Employed
Outstanding debts and financial obligations
-
Date of the last registered payment of debt and financial obligations
2016-12-08

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:
dbrid
Country:
Loan type:
/ Consumer
Amount:
4 000 €
Term:
60 months
Risk category:
a
Target rate:
14%
  • Loan Request
  • Income/Expenses & Loans
  • Lending Offers
Amount
4 000 €
Loan term
60 months
Target rate
14%
Loan purpose
Other Purposes
Progress
92%
Listing ends
2018-07-24 16:08:50
Listing time left
2 days
Available Income
793 €
Monthly Income
813 €
Existing loans payments
20 €
Debt Repayments v Income (DTI) Ratio
15% 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:
Nerijus492
Country:
Loan type:
/ Consumer
Amount:
4 500 €
Term:
60 months
Risk category:
b
Target rate:
18%
  • Loan Request
  • Income/Expenses & Loans
  • Lending Offers
Amount
4 500 €
Loan term
60 months
Target rate
18%
Loan purpose
Car
Progress
61%
Listing ends
2018-07-24 21:06:16
Listing time left
3 days
Available Income
395 €
Monthly Income
395 €
Existing loans payments
0 €
Debt Repayments v Income (DTI) Ratio
33% Ratio is acceptable
Employment status
Employed Part Time
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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