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

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Investment diversification

You can invest either to
consumer or business loans

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Low default rate

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

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Browse loans

+
User ID:
jurfa
Loan type:
/ Business
Amount:
15000€
Term:
6 months
Risk category:
a
Target rate:
9%
Offered rate:
9.00%
Collateral:
  • Loan Request
  • Company Details
  • Financials
  • Collaterals
  • Lending Offers
Amount
15 000€
Loan term
6 months
Target rate
9%
Loan purpose
Working capital
Progress
84%
Avg Rate
9.00% from 213 offers
Listing ends
2017-07-05 15:53:31
Listing time left
10 days
Business Type
Limited liability company
Business Sector
Grindys, grindų dangos // Flooring
Product Service
Grindys, grindų dangos // Flooring
Business Region
-
Years Trading
2
Number Of Employees
6

Business description

Jurfa, UAB pagrindinė veikla – būsto remonto darbai. Įmonė veiklą pradėjo 2015 metais. Už 2016 metus pardavimai – 68 tūkstančiai EUR (22% augimas per 2016 metus). Paskola reikalinga apyvartinėms lėšoms papildyti. Už paskolą įkeičiamas 33 kv.m. butas Klaipėdoje, Registrų centro nurodyta buto vertė – 22 800 EUR, butas priklauso paskolos gavėjui (Jurfa, UAB).

Jurfa, UAB main activity – apartments renovation works. Company started its activity in 2015, its sales for 2016 - EUR 68 thousand (22% growth in 2016). Loan funds will be used for working capital financing. Loan is secured by the pledge of a 33 sq. m. flat in Klaipeda, flat value determined by Centre of registers – EUR 22 800, flat belongs to the borrower (Jurfa, UAB)

Profit (loss) report

Amount in euros
2016-12-312015-12-31
Turnover
6887456623
Cost of sales
2562819633
Gross profit
4324636990
Operating costs
1375318927
Operating profit
2949318063
Other income
-24000
Income from financial and investing activities
-187-52
Gross operating profit
530618011
Extra ordinary gain
Extra ordinary loss
Profit before tax
530618011
Profit tax
265901
Net income
504117110

Balance sheet

Amount in euros
2016-12-312015-12-31
Long term assets
3100
Intangible assets
Material assets
3100
Financial assets
Other long term assets
Short term assets
3051326149
Stock advance payments contracts in progress
1104350
Amount to be received within one year
1172615088
Other short term assets
Cash and cash equivalents
1768310710
Total assets
3361326149
Capital and reserves
2465119610
Statutory capital
25002500
Reappraisal reserves
Reserves
Retained earnings
2215117110
Donations and subsidies
Amount to be paid and liabilities
89626539
Amounts to be paid after one year and long term liabilities
Amount to be paid within one year and short term liabilities
89626539
Liabilities in total
3361326149
Director's/shareholder's guarantee
No
Key customers
-
Place Of Collateral
Klaipėda
Unique Code
2197-4002-0010:0119
Market Value
22800€
Evaluator Name
VĮ Registrų centras
Date of evaluation
2017-04-17
Short Desc. of Asset
33kv.m butas Klaipėdoje
Owner Of Collateral
UAB ,,Jurfa"
Other Attachments
-

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:
silumosprojektai
Loan type:
/ Business
Amount:
10000€
Term:
24 months
Risk category:
c
Target rate:
15%
Offered rate:
15.00%
Collateral:
  • Loan Request
  • Company Details
  • Financials
  • Collaterals
  • Lending Offers
Amount
10 000€
Loan term
24 months
Target rate
15%
Loan purpose
Working capital
Progress
36%
Avg Rate
15.00% from 126 offers
Listing ends
2017-07-06 14:09:17
Listing time left
11 days
Business Type
Limited liability company
Business Sector
Pramonės įrengimai; Santechnika; Statyba; Šildymas, įrenginiai; Vamzdynai, vandentiekis // Plumbing,
Product Service
Pramonės įrengimai; Santechnika; Statyba; Šildymas, įrenginiai; Vamzdynai, vandentiekis // Plumbing, construction, heating, equipment, plumbing
Business Region
-
Years Trading
3
Number Of Employees
5

Business description

Šilumos projektai, UAB pagrindinė veikla – metalinių dirbinių, vandentiekio ir šildymo įrangos bei reikmenų̨̇ prekyba. Įmonė veiklą pradėjo 2013 metais, už 2016 metus pardavimai – 150 tūkst. EUR (40% augimas per 2016 metus). Įmonei reikalinga paskola apyvartinėms lėšoms. Už paskolą asmeniškai garantuoja įmonės vadovas. 

Silumos projektai, UAB main activity – sale of metal products, plumbing and heating equipment and accessories. Company was established in 2013, for 2016 its sales EUR 150 thousand. Company requires a loan for working capital financing. Loan is secured by a guaranty of the CEO.

Profit (loss) report

Amount in euros
2016-12-312015-12-31
Turnover
150130107305
Cost of sales
5147667302
Gross profit
9865440003
Operating costs
4465223092
Operating profit
5400216911
Other income
-6133
Income from financial and investing activities
-3761-223
Gross operating profit
4410816688
Extra ordinary gain
Extra ordinary loss
543
Profit before tax
4410816145
Profit tax
2300246
Net income
4180815899

Balance sheet

Amount in euros
2016-12-312015-12-31
Long term assets
1318921725
Intangible assets
195498
Material assets
1299421227
Financial assets
Other long term assets
Short term assets
9409227830
Stock advance payments contracts in progress
8601924484
Amount to be received within one year
80483346
Other short term assets
Cash and cash equivalents
25
Total assets
10728149555
Capital and reserves
5262910820
Statutory capital
28962896
Reappraisal reserves
Reserves
Retained earnings
497337924
Donations and subsidies
Amount to be paid and liabilities
5465238735
Amounts to be paid after one year and long term liabilities
Amount to be paid within one year and short term liabilities
5465238735
Liabilities in total
10728149555
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
+
User ID:
IBS
Loan type:
/ Business
Amount:
20000€
Term:
4 months
Risk category:
b
Target rate:
13%
Offered rate:
13.00%
Collateral:
  • Loan Request
  • Company Details
  • Financials
  • Collaterals
  • Lending Offers
Amount
20 000€
Loan term
4 months
Target rate
13%
Loan purpose
Working capital
Progress
32%
Avg Rate
13.00% from 161 offers
Listing ends
2017-07-07 10:43:41
Listing time left
12 days
Business Type
Limited liability company
Business Sector
Projektavimas; Statyba // Designing, construction
Product Service
Projektavimas; Statyba // Designing, construction
Business Region
-
Years Trading
8
Number Of Employees
34

Business description

Išskirtinio būsto statyba, UAB (toliau – IBS) pagrindinė veikla – statybos darbai. Įmonė veiklą pradėjo 2009 metas, už 2016 metus pardavimai – 132 tūkst. EUR (2% augimas lyginant su 2015 metais). Pasirašytų statybos darbų sutarčių vykdymui įmonei reikalinga trumpalaikė paskola apyvartinėms lėšoms papildyti. Už paskolą asmeniškai garantuoja įmonės akcininkas (fizinis asmuo). Daugiau apie įmonę http://ibstatyba.lt

Isskirtinio busto statyba, UAB (further – IBS) main activity – construction works. Company was established in 2009, for 2016 its sales EUR 132 thousand (2% increase compared to 2015). For the execution of signed contracts, company requires a short-term loan for working capital financing. Loan is secured by the guaranty of the owner (private person). More about the company at http://ibstatyba.lt

Profit (loss) report

Amount in euros
2016-12-312015-12-31
Turnover
132038129526
Cost of sales
5870218123
Gross profit
73336111403
Operating costs
Operating profit
73336111403
Other income
-6739-111258
Income from financial and investing activities
Gross operating profit
66597145
Extra ordinary gain
Extra ordinary loss
Profit before tax
66597145
Profit tax
336328
Net income
63234117

Balance sheet

Amount in euros
2016-12-312015-12-31
Long term assets
4044952525
Intangible assets
Material assets
4044952525
Financial assets
Other long term assets
Short term assets
178794100180
Stock advance payments contracts in progress
6216630868
Amount to be received within one year
11662869312
Other short term assets
Cash and cash equivalents
Total assets
219243152705
Capital and reserves
15461191377
Statutory capital
Reappraisal reserves
Reserves
Retained earnings
Donations and subsidies
Amount to be paid and liabilities
6463261328
Amounts to be paid after one year and long term liabilities
1314829017
Amount to be paid within one year and short term liabilities
5148432311
Liabilities in total
219243152705
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
+
User ID:
kaval
Loan type:
/ Consumer
Amount:
3300€
Term:
30 months
Risk category:
c
Target rate:
24%
Offered rate:
23.55%
  • Loan Request
  • Income/Expenses & Loans
  • Lending Offers
Amount
3 300€
Loan term
30 months
Target rate
24%
Loan purpose
Other Purposes
Progress
100%
Avg Rate
23.55% from 150 offers
Listing ends
2017-06-25 10:17:15
Listing time left
2 hours
Registration date
2017-06-22
Age
31
Gender
Male
Post Town
Alytus
Marital Status
Married
Dependents
2
Residential Status
Owner
Education
Graduate
Occupation
Vairuotojas / Driver
Months at current employer
06
Years working in total
7
Available Income
488 €
Monthly Income
488 €
Monthly Expenses
0 €
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
2017-03-30

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:
beli
Loan type:
/ Consumer
Amount:
340€
Term:
36 months
Risk category:
d
Target rate:
27%
Offered rate:
20.42%
  • Loan Request
  • Income/Expenses & Loans
  • Lending Offers
Amount
340€
Loan term
36 months
Target rate
27%
Loan purpose
Home Improvements
Progress
100%
Avg Rate
20.42% from 20 offers
Listing ends
2017-06-25 08:30:01
Listing time left
21 minutes
Registration date
2017-06-22
Age
31
Gender
Male
Post Town
Šalčininkų r.
Marital Status
Single
Dependents
0
Residential Status
Owner
Education
High school
Occupation
Betonuotojas / Concrete worker
Months at current employer
12
Years working in total
4
Available Income
323 €
Monthly Income
452 €
Monthly Expenses
129 €
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
2016-04-28

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:
lincasa
Loan type:
/ Business
Amount:
7340€
Term:
6 months
Risk category:
b
Target rate:
13%
Offered rate:
13.00%
Collateral:
  • Loan Request
  • Company Details
  • Financials
  • Collaterals
  • Lending Offers
Amount
7 340€
Loan term
6 months
Target rate
13%
Loan purpose
Working capital
Progress
44%
Avg Rate
13.00% from 72 offers
Listing ends
2017-07-08 10:13:22
Listing time left
13 days
Business Type
Limited liability company
Business Sector
Apranga, drabužiai; Didmeninė prekyba; Eksportas; Importas; Siuvimas, medžiagos // Clothing, wholesa
Product Service
Apranga, drabužiai; Didmeninė prekyba; Eksportas; Importas; Siuvimas, medžiagos // Clothing, wholesale; Sewing, materials
Business Region
-
Years Trading
15
Number Of Employees
46

Business description

Dėl ilgiau nei planuota užtrukusio finansavimo ir įmonės prašymo, planuotą 25 000 EUR Lincasa paskolą suskaidėme į dvi paskolas: 1) 17660 EUR ir 2) 7340 EUR. Pirmoji paskolos dalis išmokėta paskolos gavėjui - 22.06.2107. Ši paskolos dalis, yra antroji dalis iš reikalingo 25 000 EUR finansavimo.

Apie įmonę.
Lincasa, UAB pagrindinė veikla – tekstilės dirbinių gamyba. Įmonė veiklą pradėjo 2002 metais. Už 2016 metus pardavimai – 1,9 milijono EUR (23% augimas per 2016 metus). Paskola reikalinga apyvartinėms lėšoms papildyti. Už paskolą garantuoja įmonės vadovas. Daugiau apie įmonę http://lincasa.lt 

Papildomas komentaras apie finansinius rezultatus:
- Nusidėvejimas už 2016 metus – 40.781 EUR, už 5 mėn. 2017 metais – 17.000 EUR
- 2016 metų finansinį turtą sudaro: investicijos į dukterines įmones – 56.287 EUR, Lincasa paskolos kitoms įmonėms - 225.364 EUR
- Finansinės skolos 2016 metų galui: lizingas – 5.955 EUR, kredito įstaigos – 77.884 EUR, paskola iš akcininko – 164.211 EUR.

//


Raising of required loan took longer than expected, therefore the client requested to split a required EUR 25.000 loan in to two parts: 1) EUR 17.660 and 2) EUR 7.340. The first part of the loan was paid-out to the borrower on 22.06.2017. This loan is a second part of required financing of EUR 25 000.

About the borrower:
Lincasa, UAB main activity – manufacturing of textile products. Company started its activity in 2002, its sales for 2016 - EUR 1,9 million (23% growth in 2016). Loan funds will be used for working capital financing. Loan is secured by a guaranty of the CEO. More about the company http://lincasa.lt

Additional comments about financial statements:
- Depreciation for 2016 - EUR 40.781, for 5 months in 2017 - EUR 17.000
- Financial assets at the end of 2016 include: investments in subsidiaries - EUR 56.287, Lincasa loans to other companies - EUR 225.364
- Financial debt by the end of 2016: leasing - EUR 5.955, credit institutions - EUR 77.884, loan from the shareholder - EUR 164.211

Profit (loss) report

Amount in euros
2017-05-312016-12-312015-12-31
Turnover
61998919546351587630
Cost of sales
49932516517771289540
Gross profit
120664302858298090
Operating costs
122171315449330164
Operating profit
-1507-12591-32074
Other income
83971401931202
Income from financial and investing activities
-21622666273
Gross operating profit
47284094-599
Extra ordinary gain
Extra ordinary loss
3454
Profit before tax
12744094-599
Profit tax
1106600
Net income
12742988-1199

Balance sheet

Amount in euros
2017-05-312016-12-312015-12-31
Long term assets
414603441997447239
Intangible assets
111
Material assets
142951160345165587
Financial assets
271651281651281651
Other long term assets
Short term assets
984888875334737854
Stock advance payments contracts in progress
464865408503464736
Amount to be received within one year
295178283640228323
Other short term assets
2198401775803042
Cash and cash equivalents
5005561141753
Total assets
139949113173311185093
Capital and reserves
525615524342520835
Statutory capital
289620289620289620
Reappraisal reserves
Reserves
289622896228962
Retained earnings
207033205760202253
Donations and subsidies
Amount to be paid and liabilities
873876792989664258
Amounts to be paid after one year and long term liabilities
24859124733711038
Amount to be paid within one year and short term liabilities
625285545652653220
Liabilities in total
139949113173311185093
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
+
User ID:
kaitis
Loan type:
/ Consumer
Amount:
555€
Term:
12 months
Risk category:
d
Target rate:
27%
Offered rate:
19.47%
  • Loan Request
  • Income/Expenses & Loans
  • Lending Offers
Amount
555€
Loan term
12 months
Target rate
27%
Loan purpose
Home Improvements
Progress
100%
Avg Rate
19.47% from 27 offers
Listing ends
2017-06-25 10:53:24
Listing time left
2 hours
Registration date
2017-06-23
Age
38
Gender
Male
Post Town
Joniškis
Marital Status
Married
Dependents
2
Residential Status
Owner
Education
High school
Occupation
Mechanizatorius / Mechanic
Months at current employer
12
Years working in total
16
Available Income
351 €
Monthly Income
351 €
Monthly Expenses
0 €
Debt Repayments v Income (DTI) Ratio
16% Ratio is acceptable
Employment status
Employed
Outstanding debts and financial obligations
-
Date of the last registered payment of debt and financial obligations
2016-05-05

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:
Erikas1990
Loan type:
/ Consumer
Amount:
3700€
Term:
24 months
Risk category:
c
Target rate:
24%
Offered rate:
26.41%
  • Loan Request
  • Income/Expenses & Loans
  • Lending Offers
Amount
3 700€
Loan term
24 months
Target rate
24%
Loan purpose
Consolidation of Other Loans
Progress
100%
Avg Rate
26.41% from 203 offers
Listing ends
2017-06-25 12:17:13
Listing time left
4 hours
Registration date
2017-06-23
Age
27
Gender
Male
Post Town
Kauno r.
Marital Status
Single
Dependents
0
Residential Status
Living with Parents
Education
High school
Occupation
Mechanizatorius / Mechanic
Months at current employer
12
Years working in total
6
Available Income
761 €
Monthly Income
761 €
Monthly Expenses
0 €
Debt Repayments v Income (DTI) Ratio
27% Ratio is acceptable
Employment status
Employed
Outstanding debts and financial obligations
-
Date of the last registered payment of debt and financial obligations
2017-03-30

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:
greb
Loan type:
/ Consumer
Amount:
1100€
Term:
60 months
Risk category:
b
Target rate:
20%
Offered rate:
18.70%
  • Loan Request
  • Income/Expenses & Loans
  • Lending Offers
Amount
1 100€
Loan term
60 months
Target rate
20%
Loan purpose
Car
Progress
100%
Avg Rate
18.70% from 63 offers
Listing ends
2017-06-25 12:30:02
Listing time left
4 hours
Registration date
2017-06-23
Age
28
Gender
Male
Post Town
Kaunas
Marital Status
Married
Dependents
3
Residential Status
Owner
Education
High school
Occupation
Darbų vadovas / Project manager
Months at current employer
72 or more
Years working in total
9
Available Income
173 €
Monthly Income
173 €
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
2014-03-06

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:
Dra
Loan type:
/ Consumer
Amount:
3650€
Term:
60 months
Risk category:
c
Target rate:
24%
Offered rate:
28.17%
  • Loan Request
  • Income/Expenses & Loans
  • Lending Offers
Amount
3 650€
Loan term
60 months
Target rate
24%
Loan purpose
Home Improvements
Progress
100%
Avg Rate
28.17% from 157 offers
Listing ends
2017-06-25 15:21:35
Listing time left
7 hours
Registration date
2017-06-21
Age
38
Gender
Female
Post Town
Vilnius
Marital Status
Single
Dependents
0
Residential Status
Living with Parents
Education
Graduate
Occupation
Vadybininkė / Manager
Months at current employer
09
Years working in total
13
Available Income
443 €
Monthly Income
443 €
Monthly Expenses
0 €
Debt Repayments v Income (DTI) Ratio
27% Ratio is acceptable
Employment status
Employed
Outstanding debts and financial obligations
-
Date of the last registered payment of debt and financial obligations
2016-09-08

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

About FinBee

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