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+
User ID:
vilvita
Country:
Loan type:
/ Business
Amount:
8 000 €
Term:
15 months
Risk category:
d
Target rate:
18%
Collateral:
  • Loan Request
  • Company Details
  • Financials
  • Collaterals
  • Lending Offers
Amount
8 000 €
Loan term
15 months
Target rate
18%
Loan purpose
Working capital
Progress
76%
Repayments plan type
Amortizing
Listing ends
2018-02-23 18:59:00
Listing time left
22 hours
Business Type
Limited liability company
Business Sector
Buitinė technika; Interneto parduotuvės; Kompiuteriai ir programinė įranga; Video ir audio aparatūra
Product Service
-
Business Region
-
Years Trading
10
Number Of Employees
5

Business description

Vilvita, JSC main activity – sales of domestic appliances. Company was launched in 2007, sales for 2016 - EUR 162 thousand, 2017 - EUR 197 thousand. The company needs a loan for working capital financing. The loan funds are planned to be used for purchase of additional stock. The loan is personally guaranteed by the CEO.

More information about the company: http://www.vilvita.lt

//

Vilvita, UAB pagrindinė veikla – namų apyvokos daiktų pardavimai. Įmonė veiklą pradėjo 2007 metais, pardavimai už 2016 metus - 162 tūkst. EUR, 2017 metus - 197 tūkst. EUR. Įmonei reikalinga paskola apyvartinių lėšų papildymui. Už paskolos lėšas yra planuojamas naujų prekių užsipirkimas. Už paskolą asmeniškai garantuoja įmonės vadovas.

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

Profit (loss) report

Amount in euros
2017-12-312016-12-312015-12-31
Turnover
1972511628805250
Cost of sales
1698231550893863
Gross profit
2742877911387
Operating costs
2288694299953
Operating profit
4542-1638-8566
Other income
-200
Income from financial and investing activities
-550
Gross operating profit
3992-1638-8766
Extra ordinary gain
Extra ordinary loss
Profit before tax
3992-1638-8766
Profit tax
Net income
3992-1638-8766

Balance sheet

Amount in euros
2017-12-312016-12-312015-12-31
Long term assets
6888
Intangible assets
Material assets
6888
Financial assets
Other long term assets
Short term assets
2600723597690
Stock advance payments contracts in progress
106312022
Amount to be received within one year
68788357619
Other short term assets
Cash and cash equivalents
84981321871
Total assets
2628523773690
Capital and reserves
-702-4693-3057
Statutory capital
289628962896
Reappraisal reserves
Reserves
290290290
Retained earnings
-3888-7879-6243
Donations and subsidies
Amount to be paid and liabilities
26878284663747
Amounts to be paid after one year and long term liabilities
9531
Amount to be paid within one year and short term liabilities
26878189363747
Liabilities in total
2628523773690
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:
gomedia
Country:
Loan type:
/ Business
Amount:
12 000 €
Term:
18 months
Risk category:
c
Target rate:
15%
Collateral:
  • Loan Request
  • Company Details
  • Financials
  • Collaterals
  • Lending Offers
Amount
12 000 €
Loan term
18 months
Target rate
15%
Loan purpose
Working capital
Progress
67%
Repayments plan type
Amortizing
Listing ends
2018-02-23 14:10:00
Listing time left
17 hours
Business Type
Limited liability company
Business Sector
Interneto paslaugos; Reklamos paslaugos
Product Service
-
Business Region
-
Years Trading
4
Number Of Employees
17

Business description

JSC Gomedia is engaged in advertising agency business and transportation services. Company was launched in 2013 and for 2016 it generated sales of EUR 661 thousand, 2017 - EUR 1,04 million. Loan funds will be used for working capital financing. The loan is guaranteed by the CEO of the company.

More about the company: http://www.gomedia.lt

Additional information: for faster process of loan financing, we have divided the required loan of EUR 24 000 in to two parts of (i) EUR 12 000 (already funded) and (ii) EUR 12 000 (with this offer).

//

UAB “Gomedia” vykdo reklamos agentūros veiklą ir transportavimo paslaugos. Įmonė veiklą pradėjo 2013 metais, už 2016 metus skaičiuoja 661 tūkst., o 2017 - 1,04 mln. EUR pardavimų. Paskola reikalinga apyvartinėms lėšoms papildyti. Už paskolą asmeniškai garantuoja įmonės direktorė.

Daugiau apie įmonę: http://www.gomedia.lt

Papildomas komentaras: klientui dalies apyvartinių lėšų reikia artimiausiu metu, tad reikalingą 24 000 Eur paskolą padalijome į dvi paskolas, (I) 12 000 Eur (jau sufinansuota) ir (II) 12 000 Eur teikiama šiuo pasiūlymu.

Profit (loss) report

Amount in euros
2017-12-312016-12-312015-12-31
Turnover
1042687661504564557
Cost of sales
Gross profit
1042687661504564557
Operating costs
952850664483566177
Operating profit
89837-2979-1620
Other income
4645
Income from financial and investing activities
-5710-4137-1598
Gross operating profit
84127-71161427
Extra ordinary gain
Extra ordinary loss
Profit before tax
84127-71161427
Profit tax
12619313512
Net income
71508-7429915

Balance sheet

Amount in euros
2017-12-312016-12-312015-12-31
Long term assets
776755958963144
Intangible assets
Material assets
751755958963144
Financial assets
2500
Other long term assets
Short term assets
953256163221466
Stock advance payments contracts in progress
33734948
Amount to be received within one year
321195116017256
Other short term assets
Cash and cash equivalents
5983355244210
Total assets
17300012122184610
Capital and reserves
853071379921228
Statutory capital
300025002500
Reappraisal reserves
Reserves
Retained earnings
823071129918728
Donations and subsidies
Amount to be paid and liabilities
8769310742263382
Amounts to be paid after one year and long term liabilities
571754582756347
Amount to be paid within one year and short term liabilities
30518615957035
Liabilities in total
17300012122184610
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:
Wiktoras212
Country:
Loan type:
/ Consumer
Amount:
6 500 €
Term:
36 months
Risk category:
b
Target rate:
15%
  • Loan Request
  • Income/Expenses & Loans
  • Lending Offers
Amount
6 500 €
Loan term
36 months
Target rate
15%
Loan purpose
Car
Progress
70%
Listing ends
2018-03-01 17:46:49
Listing time left
6 days
Available Income
611 €
Monthly Income
611 €
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
2014-11-21

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:
balticlift
Country:
Loan type:
/ Business
Amount:
7 400 €
Term:
16 months
Risk category:
d
Target rate:
17%
Collateral:
  • Loan Request
  • Company Details
  • Financials
  • Collaterals
  • Lending Offers
Amount
7 400 €
Loan term
16 months
Target rate
17%
Loan purpose
Working capital
Progress
50%
Repayments plan type
Amortizing
Listing ends
2018-02-23 18:32:31
Listing time left
22 hours
Business Type
Limited liability company
Business Sector
Krautuvai, keltuvai, liftai; Pramonės įrengimai; Statyba
Product Service
-
Business Region
-
Years Trading
7
Number Of Employees
10

Business description

Baltic Lift Service, JSC main activity – service of the elevators. Company was launched in 2010, sales for 2016 - EUR 191 thousand, for 2017 Q3 - EUR 176 thousand. The company needs a loan for working capital financing. The funds are planned to be used for a purchase of the elevator parts. The loan is personally guaranteed by the CEO.

More about the company: http://www.balticlift.lt

Additional information: for faster process of loan financing, we have divided the required loan of EUR 10 000 in to two parts of EUR 2 600 and EUR 7 400 (with this offer).

//

Baltic Lift Service, UAB pagrindinė veikla – liftų įrengimas ir priežiūra. Įmonė veiklą pradėjo 2010 metais, pardavimai už 2016 metus - 191 tūkst. EUR, 2017 trijų ketvirčių – 176 tūkst. EUR. Įmonei reikalinga paskola apyvartinių lėšų papildymui. Įmonė ketiną už paskolos lėšas ketina įsigyti lifto įrangos. Už paskolą asmeniškai garantuoja įmonės vadovas.

Daugiau apie įmonę: http://www.balticlift.lt

Papildomas komentaras: klientui dalies apyvartinių lėšų reikia artimiausiu metu, tad reikalingą 10 000 Eur paskolą padalijome į dvi paskolas: (I) 2 600 Eur ir (II) 7 400 Eur teikiama šiuo pasiūlymu.

Profit (loss) report

Amount in euros
2017-09-302016-12-312015-12-31
Turnover
176141197172127373
Cost of sales
607039729272594
Gross profit
1154389988054779
Operating costs
1067308913554135
Operating profit
870810745644
Other income
Income from financial and investing activities
-2679-1607-2515
Gross operating profit
60299138-1871
Extra ordinary gain
Extra ordinary loss
Profit before tax
60299138-1871
Profit tax
Net income
60299138-1871

Balance sheet

Amount in euros
2017-09-302016-12-312015-12-31
Long term assets
174472074023435
Intangible assets
429114173
Material assets
170182062623262
Financial assets
Other long term assets
Short term assets
169121987913920
Stock advance payments contracts in progress
626356
Amount to be received within one year
153701697613097
Other short term assets
605
Cash and cash equivalents
9162547218
Total assets
343594061937355
Capital and reserves
-19000-18831-48240
Statutory capital
346363463614365
Reappraisal reserves
Reserves
538538538
Retained earnings
-54174-54005-63143
Donations and subsidies
Amount to be paid and liabilities
533595945085595
Amounts to be paid after one year and long term liabilities
266603258832517
Amount to be paid within one year and short term liabilities
266992686253078
Liabilities in total
343594061937355
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:
ausrari
Country:
Loan type:
/ Consumer
Amount:
8 630 €
Term:
47 months
Risk category:
c
Target rate:
23%
  • Loan Request
  • Income/Expenses & Loans
  • Lending Offers
Amount
8 630 €
Loan term
47 months
Target rate
23%
Loan purpose
Consolidation of Other Loans
Progress
52%
Listing ends
2018-03-02 14:09:27
Listing time left
7 days
Available Income
848 €
Monthly Income
848 €
Existing loans payments
0 €
Debt Repayments v Income (DTI) Ratio
37% Ratio is acceptable
Employment status
Employed
Outstanding debts and financial obligations
-
Date of the last registered payment of debt and financial obligations
2017-04-13

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:
gnie
Country:
Loan type:
/ Consumer
Amount:
9 550 €
Term:
60 months
Risk category:
b
Target rate:
18%
  • Loan Request
  • Income/Expenses & Loans
  • Lending Offers
Amount
9 550 €
Loan term
60 months
Target rate
18%
Loan purpose
Home Improvements
Progress
30%
Listing ends
2018-03-04 17:15:47
Listing time left
9 days
Available Income
715 €
Monthly Income
715 €
Existing loans payments
0 €
Debt Repayments v Income (DTI) Ratio
38% 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:
virgenis
Country:
Loan type:
/ Business
Amount:
4 200 €
Term:
24 months
Risk category:
d
Target rate:
17%
Collateral:
  • Loan Request
  • Company Details
  • Financials
  • Collaterals
  • Lending Offers
Amount
4 200 €
Loan term
24 months
Target rate
17%
Loan purpose
Working capital
Progress
62%
Repayments plan type
Amortizing
Listing ends
2018-02-27 18:44:21
Listing time left
4 days
Business Type
Limited liability company
Business Sector
Elektros dalys ir įranga; Energetika; Šildymas, įrenginiai
Product Service
-
Business Region
-
Years Trading
21
Number Of Employees
11

Business description

JSC Virgenis is engaged in manufacturing of electical systems. Company was launched in 1996 and for 2016 it generated sales of EUR 455 thousand, 2017 - EUR 408 thousand. Loan funds will be used for working capital financing. The loan is guaranteed by the CEO of the company.

More information about the company: http://www.virgenis.lt

Additional information: for faster process of loan financing, we have divided the required loan of EUR 12 000 in to three parts of EUR 3 455 (already financed) and EUR 4 200 (with this offer) and EUR 4 345.

///

UAB “Virgenis” vykdo elektros sistemų įrengimo veiklą. Įmonė veiklą pradėjo 1996 metais, už 2016 metus skaičiuoja 455 tūkst., o 2017 - 408 tūkst. EUR pardavimų. Paskola reikalinga apyvartinėms lėšoms papildyti. Už paskolą asmeniškai garantuoja įmonės direktorius.

Daugiau informacijos apie kompaniją: http://www.virgenis.lt

Papildomas komentaras: klientui dalies apyvartinių lėšų reikia artimiausiu metu, tad reikalingą 12 000 Eur paskolą padalijome į tris paskolas, (I) 3 455 Eur (jau sufinansuota) (II) 4 200 Eur teikiama šiuo pasiūlymu ir (III) 4 345 Eur.

Profit (loss) report

Amount in euros
2017-12-312016-12-31
Turnover
408996455756
Cost of sales
299051355188
Gross profit
109945100568
Operating costs
8078283110
Operating profit
2916317458
Other income
434
Income from financial and investing activities
23809-1791
Gross operating profit
5297216101
Extra ordinary gain
Extra ordinary loss
Profit before tax
5297216101
Profit tax
Net income
5297216101

Balance sheet

Amount in euros
2017-12-312016-12-31
Long term assets
4499132261
Intangible assets
22
Material assets
4498932259
Financial assets
Other long term assets
Short term assets
342231304780
Stock advance payments contracts in progress
167966142551
Amount to be received within one year
140309148694
Other short term assets
1257210586
Cash and cash equivalents
213842949
Total assets
387222337041
Capital and reserves
211389160881
Statutory capital
2896228962
Reappraisal reserves
Reserves
29072906
Retained earnings
179520129013
Donations and subsidies
Amount to be paid and liabilities
175833176160
Amounts to be paid after one year and long term liabilities
34824633
Amount to be paid within one year and short term liabilities
172351171527
Liabilities in total
387222337041
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:
virgenis
Country:
Loan type:
/ Business
Amount:
4 345 €
Term:
24 months
Risk category:
d
Target rate:
17%
Collateral:
  • Loan Request
  • Company Details
  • Financials
  • Collaterals
  • Lending Offers
Amount
4 345 €
Loan term
24 months
Target rate
17%
Loan purpose
Working capital
Progress
40%
Repayments plan type
Amortizing
Listing ends
2018-02-27 18:43:35
Listing time left
4 days
Business Type
Limited liability company
Business Sector
Elektros dalys ir įranga; Energetika; Šildymas, įrenginiai
Product Service
-
Business Region
-
Years Trading
21
Number Of Employees
11

Business description

JSC Virgenis is engaged in manufacturing of electical systems. Company was launched in 1996 and for 2016 it generated sales of EUR 455 thousand, 2017 - EUR 408 thousand. Loan funds will be used for working capital financing. The loan is guaranteed by the CEO of the company.

More information about the company: http://www.virgenis.lt

Additional information: for faster process of loan financing, we have divided the required loan of EUR 12 000 in to three parts of EUR 3 455 (already financed) and EUR 4 345 (with this offer) and EUR 4 200.

///

UAB “Virgenis” vykdo elektros sistemų įrengimo veiklą. Įmonė veiklą pradėjo 1996 metais, už 2016 metus skaičiuoja 455 tūkst., o 2017 - 408 tūkst. EUR pardavimų. Paskola reikalinga apyvartinėms lėšoms papildyti. Už paskolą asmeniškai garantuoja įmonės direktorius.

Daugiau informacijos apie kompaniją: http://www.virgenis.lt

Papildomas komentaras: klientui dalies apyvartinių lėšų reikia artimiausiu metu, tad reikalingą 12 000 Eur paskolą padalijome į tris paskolas, (I) 3 455 Eur (jau sufinansuota) (II) 4 345 Eur teikiama šiuo pasiūlymu ir (III) 4 200 Eur.

Profit (loss) report

Amount in euros
2017-12-312016-12-31
Turnover
408996455756
Cost of sales
299051355188
Gross profit
109945100568
Operating costs
8078283110
Operating profit
2916317458
Other income
434
Income from financial and investing activities
23809-1791
Gross operating profit
5297216101
Extra ordinary gain
Extra ordinary loss
Profit before tax
5297216101
Profit tax
Net income
5297216101

Balance sheet

Amount in euros
2017-12-312016-12-31
Long term assets
4499132261
Intangible assets
22
Material assets
4498932259
Financial assets
Other long term assets
Short term assets
342231304780
Stock advance payments contracts in progress
167966142551
Amount to be received within one year
140309148694
Other short term assets
1257210586
Cash and cash equivalents
213842949
Total assets
387222337041
Capital and reserves
211389160881
Statutory capital
2896228962
Reappraisal reserves
Reserves
29072906
Retained earnings
179520129013
Donations and subsidies
Amount to be paid and liabilities
175833176160
Amounts to be paid after one year and long term liabilities
34824633
Amount to be paid within one year and short term liabilities
172351171527
Liabilities in total
387222337041
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:
Leilaa
Country:
Loan type:
/ Consumer
Amount:
4 170 €
Term:
47 months
Risk category:
d
Target rate:
28%
  • Loan Request
  • Income/Expenses & Loans
  • Lending Offers
Amount
4 170 €
Loan term
47 months
Target rate
28%
Loan purpose
Consolidation of Other Loans
Progress
71%
Listing ends
2018-03-06 14:32:15
Listing time left
11 days
Available Income
427 €
Monthly Income
427 €
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
2016-06-06

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:
Smurfas
Country:
Loan type:
/ Consumer
Amount:
6 495 €
Term:
60 months
Risk category:
b
Target rate:
18%
  • Loan Request
  • Income/Expenses & Loans
  • Lending Offers
Amount
6 495 €
Loan term
60 months
Target rate
18%
Loan purpose
Home Improvements
Progress
75%
Listing ends
2018-03-06 15:17:30
Listing time left
11 days
Available Income
541 €
Monthly Income
541 €
Existing loans payments
0 €
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
-

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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