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Historical interest rate - 20%

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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:
mindaugas93
Country:
Loan type:
/ Consumer
Amount:
9 600 €
Term:
43 months
Risk category:
b
Target rate:
16%
  • Loan Request
  • Income/Expenses & Loans
  • Lending Offers
Amount
9 600 €
Loan term
43 months
Target rate
16%
Loan purpose
Consolidation of Other Loans
Progress
91%
Listing ends
2018-09-26 19:48:56
Listing time left
4 days
Available Income
922 €
Monthly Income
990 €
Existing loans payments
68 €
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
-

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:
Algimantas52
Country:
Loan type:
/ Consumer
Amount:
6 580 €
Term:
60 months
Risk category:
b
Target rate:
18%
  • Loan Request
  • Income/Expenses & Loans
  • Lending Offers
Amount
6 580 €
Loan term
60 months
Target rate
18%
Loan purpose
Other Purposes
Progress
94%
Listing ends
2018-10-03 12:02:04
Listing time left
10 days
Available Income
996 €
Monthly Income
1 234 €
Existing loans payments
238 €
Debt Repayments v Income (DTI) Ratio
35% 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:
relija
Country:
Loan type:
/ Consumer
Amount:
7 575 €
Term:
48 months
Risk category:
b
Target rate:
16%
  • Loan Request
  • Income/Expenses & Loans
  • Lending Offers
Amount
7 575 €
Loan term
48 months
Target rate
16%
Loan purpose
Home Improvements
Progress
83%
Listing ends
2018-10-04 16:36:40
Listing time left
12 days
Available Income
887 €
Monthly Income
981 €
Existing loans payments
94 €
Debt Repayments v Income (DTI) Ratio
34% Ratio is acceptable
Employment status
Employed
Outstanding debts and financial obligations
-
Date of the last registered payment of debt and financial obligations
2011-12-30

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:
jusigna
Country:
Loan type:
/ Business
Amount:
15 000 €
Term:
16 months
Risk category:
c
Target rate:
17%
Collateral:
  • Loan Request
  • Company Details
  • Financials
  • Collaterals
  • Lending Offers
Amount
15 000 €
Loan term
16 months
Target rate
17%
Loan purpose
Working capital
Progress
82%
Repayments plan type
Amortizing
Listing ends
2018-09-29 12:01:05
Listing time left
6 days
Business Type
Limited liability company
Business Sector
Transporto paslaugos
Product Service
-
Business Region
-
Years Trading
4
Number Of Employees
6

Business description

Jusigna, UAB main activity – freight transportation. Company was launched in 2013, sales for 2018 Q1 - €93.274, 2017 - €303.552. The company needs a loan for working capital financing. The loan funds are planned to be used for working capital financing. The loan is personally guaranteed by the CEO.

Additional note: on FinBee platform company is borrowing for a second time. All previous payments of the first loan were paid on time.

//

Jusigna, UAB pagrindinė veikla – krovinių pervežimai. Įmonė veiklą pradėjo 2013 metais, pardavimai už 2018 I ketvirtį - €93.274, 2017 - €303.552. Įmonei reikalinga paskola apyvartinių lėšų papildymui. Už paskolą asmeniškai garantuoja įmonės vadovas.

Papildomas komentaras: įmonė per FinBee platformą skolinasi antrą kartą. Visos pirmosios paskolos įmokos yra padengiamos laiku.

Profit (loss) report

Amount in euros
2018-03-312017-12-312016-12-31
Turnover
93274303552221000
Cost of sales
1688215900088726
Gross profit
76392144552132274
Operating costs
69404141238126813
Operating profit
698833145461
Other income
Income from financial and investing activities
-404-2674-1275
Gross operating profit
65846404186
Extra ordinary gain
Extra ordinary loss
Profit before tax
65846404186
Profit tax
106212
Net income
65845343974

Balance sheet

Amount in euros
2018-03-312017-12-312016-12-31
Long term assets
560335992413396
Intangible assets
Material assets
560335992413396
Financial assets
Other long term assets
Short term assets
629076473742048
Stock advance payments contracts in progress
5376307025108
Amount to be received within one year
16057158796595
Other short term assets
Cash and cash equivalents
414741815630345
Total assets
11894012746155444
Capital and reserves
361482956429030
Statutory capital
260662606626066
Reappraisal reserves
Reserves
144814481448
Retained earnings
863420501516
Donations and subsidies
Amount to be paid and liabilities
827929789726414
Amounts to be paid after one year and long term liabilities
152081520817303
Amount to be paid within one year and short term liabilities
67584826899111
Liabilities in total
11894012746155444
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:
ismi
Country:
Loan type:
/ Consumer
Amount:
7 700 €
Term:
36 months
Risk category:
d
Target rate:
27%
  • Loan Request
  • Income/Expenses & Loans
  • Lending Offers
Amount
7 700 €
Loan term
36 months
Target rate
27%
Loan purpose
Consolidation of Other Loans
Progress
67%
Listing ends
2018-10-06 14:20:27
Listing time left
13 days
Available Income
1 610 €
Monthly Income
1 763 €
Existing loans payments
153 €
Debt Repayments v Income (DTI) Ratio
29% Ratio is acceptable
Employment status
Employed
Outstanding debts and financial obligations
-
Date of the last registered payment of debt and financial obligations
2016-07-09

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:
volung
Country:
Loan type:
/ Consumer
Amount:
3 350 €
Term:
60 months
Risk category:
b
Target rate:
18%
Waiting for acceptance
  • Loan Request
  • Income/Expenses & Loans
  • Lending Offers
Amount
3 350 €
Loan term
60 months
Target rate
18%
Loan purpose
Home Improvements
Progress
100%
Listing ends
2018-09-28 14:59:31
Listing time left
6 days
Available Income
311 €
Monthly Income
311 €
Existing loans payments
0 €
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
2016-12-19

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
b
+
User ID:
danuta64
Country:
Loan type:
/ Consumer
Amount:
2 800 €
Term:
60 months
Risk category:
b
Target rate:
18%
Waiting for acceptance
  • Loan Request
  • Income/Expenses & Loans
  • Lending Offers
Amount
2 800 €
Loan term
60 months
Target rate
18%
Loan purpose
Home Improvements
Progress
100%
Listing ends
2018-09-29 12:39:27
Listing time left
6 days
Available Income
639 €
Monthly Income
931 €
Existing loans payments
292 €
Debt Repayments v Income (DTI) Ratio
40% Ratio is acceptable
Employment status
Self-Employed
Outstanding debts and financial obligations
-
Date of the last registered payment of debt and financial obligations
2013-12-31

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
b
+
User ID:
kilija
Country:
Loan type:
/ Consumer
Amount:
550 €
Term:
12 months
Risk category:
b
Target rate:
14%
Waiting for acceptance
  • Loan Request
  • Income/Expenses & Loans
  • Lending Offers
Amount
550 €
Loan term
12 months
Target rate
14%
Loan purpose
Home Improvements
Progress
100%
Listing ends
2018-10-03 16:22:23
Listing time left
11 days
Available Income
415 €
Monthly Income
516 €
Existing loans payments
101 €
Debt Repayments v Income (DTI) Ratio
29% Ratio is acceptable
Employment status
Employed
Outstanding debts and financial obligations
-
Date of the last registered payment of debt and financial obligations
2012-10-03

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
b
+
User ID:
Aurenas
Country:
Loan type:
/ Consumer
Amount:
5 770 €
Term:
60 months
Risk category:
b
Target rate:
18%
Waiting for acceptance
  • Loan Request
  • Income/Expenses & Loans
  • Lending Offers
Amount
5 770 €
Loan term
60 months
Target rate
18%
Loan purpose
Consolidation of Other Loans
Progress
100%
Listing ends
2018-10-04 13:31:54
Listing time left
11 days
Available Income
790 €
Monthly Income
964 €
Existing loans payments
174 €
Debt Repayments v Income (DTI) Ratio
35% 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
b
+
User ID:
8649
Country:
Loan type:
/ Consumer
Amount:
335 €
Term:
14 months
Risk category:
c
Target rate:
21%
Waiting for acceptance
  • Loan Request
  • Income/Expenses & Loans
  • Lending Offers
Amount
335 €
Loan term
14 months
Target rate
21%
Loan purpose
Other Purposes
Progress
100%
Listing ends
2018-10-04 16:41:29
Listing time left
12 days
Available Income
294 €
Monthly Income
349 €
Existing loans payments
55 €
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
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
c

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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