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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:
monkis
Country:
Loan type:
/ Consumer
Amount:
7 300 €
Term:
60 months
Risk category:
b
Target rate:
18%
  • Loan Request
  • Income/Expenses & Loans
  • Lending Offers
Amount
7 300 €
Loan term
60 months
Target rate
18%
Loan purpose
Consolidation of Other Loans
Progress
54%
Listing ends
2018-05-29 10:30:00
Listing time left
2 days
Available Income
1 388 €
Monthly Income
1 935 €
Existing loans payments
547 €
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
2015-06-10

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:
Audrius58
Country:
Loan type:
/ Consumer
Amount:
7 580 €
Term:
60 months
Risk category:
b
Target rate:
18%
  • Loan Request
  • Income/Expenses & Loans
  • Lending Offers
Amount
7 580 €
Loan term
60 months
Target rate
18%
Loan purpose
Other Purposes
Progress
59%
Listing ends
2018-06-02 17:25:00
Listing time left
6 days
Available Income
1 985 €
Monthly Income
2 860 €
Existing loans payments
875 €
Debt Repayments v Income (DTI) Ratio
38% Ratio is acceptable
Employment status
Self-Employed
Outstanding debts and financial obligations
-
Date of the last registered payment of debt and financial obligations
2017-06-13

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:
Dina
Country:
Loan type:
/ Consumer
Amount:
5 250 €
Term:
36 months
Risk category:
b
Target rate:
15%
  • Loan Request
  • Income/Expenses & Loans
  • Lending Offers
Amount
5 250 €
Loan term
36 months
Target rate
15%
Loan purpose
Consolidation of Other Loans
Progress
84%
Listing ends
2018-05-29 09:38:00
Listing time left
2 days
Available Income
602 €
Monthly Income
633 €
Existing loans payments
31 €
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
2015-04-02

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:
eventusgroup
Country:
Loan type:
/ Business
Amount:
15 200 €
Term:
30 months
Risk category:
c
Target rate:
16%
Collateral:
  • Loan Request
  • Company Details
  • Financials
  • Collaterals
  • Lending Offers
Amount
15 200 €
Loan term
30 months
Target rate
16%
Loan purpose
Working capital
Progress
40%
Repayments plan type
Amortizing
Listing ends
2018-05-29 14:13:00
Listing time left
2 days
Business Type
Limited liability company
Business Sector
Baldai (gamyba); Baldai (prekyba); Eksportas; Tarpininkavimas; Žaislai
Product Service
-
Business Region
-
Years Trading
7
Number Of Employees
12

Business description

“Eventus Group”, UAB main activity – sales of wooden products and sales of educational toys. Company was launched in 2010, for 2016 its sales EUR 314 thousand, 2017 - EUR 337 thousand. The company has increased its sales and in order to meet growing demand is refinancing two FinBee loans (outstanding balance - €11.336 in total, €4.664 already repaid) and taking additional loan of €10.664. New loan has a longer maturity term, therefore additional funds will not increase its monthly instalments to FinBee. Due to longer loan maturity, company accepted an increase in interest rate by 1%. The loan is secured with a guarantee by the CEO.

Additional information: all the instalments of first two loans (ID 9348 and ID 9654) were covered on time. Initial credit amount - €16 000, outstanding balance - €11.336, already repaid - €4.664.

Further information about the company: http://www.eventus-group.eu/ and http://www.jonely.eu/

Additional information: for faster process of loan financing, we have divided the required loan of EUR 22 000 in to two parts of EUR 6 800, EUR 15 200 (with this offer).

//

UAB “Eventus Group” užsiima medienos, bei edukacinių žaislų prekyba. Įmonė veiklą pradėjo 2010 metais, už 2016 metus pardavimai – €314 tūkst., 2017 - €337 tūkst. Įmonė sėkmingai augina pardavimus ir tam, kad patenkintų augančią paklausą, įmonei reikalinga papildoma €10.664 paskola bei esamų paskolų (likutis - €11.336, grąžinta €4.664) mokėjimų grafiko pakeitimas. Refinansuodama esamas paskolas nauja paskola su ilgesniu grąžinimo grafiku, mažėja įmonės mokamų įmokų suma. Už ilgesnį mokėjimų grafiką įmonė sutiko investuotojams mokėti 1% didesnes palūkanas. Už paskolą asmeniškai garantuoja įmonės vadovas.

Daugiau informacijos: http://www.eventus-group.eu/ ir http://www.jonely.eu/

Papildoma informacija: refinansuojamų paskolų (ID 9348 ir ID 9654) visos įmokos sumokėtos laiku. Pradinė paskolų suma - €16 000, likutis - €11.336, grąžinta - €4.664.

Papildomas komentaras: klientui dalies apyvartinių lėšų reikia artimiausiu metu, tad reikalingą 22 000 Eur paskolą padalijome į dvi paskolas, (I) 6 800 Eur ir (II) 15 200 Eur teikiama šiuo pasiūlymu.

Profit (loss) report

Amount in euros
2017-12-312016-12-31
Turnover
337884314157
Cost of sales
258871253540
Gross profit
7901360617
Operating costs
Operating profit
7901360617
Other income
-57184-51459
Income from financial and investing activities
Gross operating profit
218299158
Extra ordinary gain
Extra ordinary loss
Profit before tax
218299158
Profit tax
34121665
Net income
184177493

Balance sheet

Amount in euros
2017-12-312016-12-31
Long term assets
3573618604
Intangible assets
Material assets
3284013393
Financial assets
Other long term assets
28965211
Short term assets
13431691442
Stock advance payments contracts in progress
5756131458
Amount to be received within one year
3421927520
Other short term assets
14000
Cash and cash equivalents
2853632464
Total assets
170052110046
Capital and reserves
11169593278
Statutory capital
28962896
Reappraisal reserves
Reserves
34163416
Retained earnings
10538386966
Donations and subsidies
Amount to be paid and liabilities
5835716768
Amounts to be paid after one year and long term liabilities
Amount to be paid within one year and short term liabilities
5835716768
Liabilities in total
170052110046
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:
freonas
Country:
Loan type:
/ Business
Amount:
5 000 €
Term:
15 months
Risk category:
d
Target rate:
17%
Collateral:
  • Loan Request
  • Company Details
  • Financials
  • Collaterals
  • Lending Offers
Amount
5 000 €
Loan term
15 months
Target rate
17%
Loan purpose
Working capital
Progress
40%
Repayments plan type
Amortizing
Listing ends
2018-05-29 15:36:16
Listing time left
2 days
Business Type
Limited liability company
Business Sector
Automobilių dalys
Product Service
-
Business Region
-
Years Trading
4
Number Of Employees
5

Business description

Freonas, UAB main activity – cargo transportation. Company was launched in 2013, sales for 2017 - €100.282, for 2016 - €64.880. 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.

//

Freonas, UAB pagrindinė veikla – krovinių pervežimas. Įmonė veiklą pradėjo 2013 metais, pardavimai už 2017 metus – €100.282, už 2016 - €64.880. Įmonei reikalinga paskola apyvartinių lėšų papildymui. Už paskolos lėšas yra planuojama nusipirkti atsargų. Už paskolą asmeniškai garantuoja įmonės vadovas.

Profit (loss) report

Amount in euros
2017-12-312016-12-312015-12-31
Turnover
1002826488085575
Cost of sales
356094941561989
Gross profit
646731546523586
Operating costs
534763187417076
Operating profit
11197-164096510
Other income
-838-826
Income from financial and investing activities
-2285-1854
Gross operating profit
8074-190896510
Extra ordinary gain
Extra ordinary loss
Profit before tax
8074-190896510
Profit tax
-355
Net income
8074-190896865

Balance sheet

Amount in euros
2017-12-312016-12-312015-12-31
Long term assets
28007120529997
Intangible assets
Material assets
28007120529997
Financial assets
Other long term assets
Short term assets
238761753917206
Stock advance payments contracts in progress
4924858910819
Amount to be received within one year
1360085304156
Other short term assets
Cash and cash equivalents
53524202231
Total assets
522742959127203
Capital and reserves
4989-308516004
Statutory capital
289628962896
Reappraisal reserves
Reserves
290290290
Retained earnings
1803-627112818
Donations and subsidies
Amount to be paid and liabilities
472853267611199
Amounts to be paid after one year and long term liabilities
2936317175
Amount to be paid within one year and short term liabilities
179221550111199
Liabilities in total
522742959127203
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:
jurgita81
Country:
Loan type:
/ Consumer
Amount:
4 800 €
Term:
54 months
Risk category:
b
Target rate:
18%
  • Loan Request
  • Income/Expenses & Loans
  • Lending Offers
Amount
4 800 €
Loan term
54 months
Target rate
18%
Loan purpose
Consolidation of Other Loans
Progress
78%
Listing ends
2018-06-02 11:59:10
Listing time left
6 days
Available Income
504 €
Monthly Income
596 €
Existing loans payments
92 €
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
2016-07-21

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:
KILKEKILENAS
Country:
Loan type:
/ Consumer
Amount:
7 160 €
Term:
47 months
Risk category:
d
Target rate:
28%
  • Loan Request
  • Income/Expenses & Loans
  • Lending Offers
Amount
7 160 €
Loan term
47 months
Target rate
28%
Loan purpose
Other Purposes
Progress
31%
Listing ends
2018-06-02 17:03:20
Listing time left
6 days
Available Income
852 €
Monthly Income
928 €
Existing loans payments
76 €
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
2018-04-24

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:
eurolift
Country:
Loan type:
/ Business
Amount:
9 000 €
Term:
15 months
Risk category:
c
Target rate:
15%
Collateral:
  • Loan Request
  • Company Details
  • Financials
  • Collaterals
  • Lending Offers
Amount
9 000 €
Loan term
15 months
Target rate
15%
Loan purpose
Working capital
Progress
45%
Repayments plan type
Amortizing
Listing ends
2018-06-02 18:02:00
Listing time left
6 days
Business Type
Limited liability company
Business Sector
Plastikas, guma, jų gaminiai
Product Service
-
Business Region
-
Years Trading
5
Number Of Employees
9

Business description

Eurolift Lithuania, UAB main activity – sales of tires. Company was launched in 2012, sales for 2017 - €486.180, for 2016 - €505.114. The company needs a loan for working capital financing. The loan is personally guaranteed by the CEO.

Additional information: for faster process of loan financing, we have divided the required loan of EUR 18 000 in to two parts of EUR 9 000, EUR 9 000 (with this offer).

//

Eurolift Lithuania, UAB pagrindinė veikla – prekyba padangomis. Įmonė veiklą pradėjo 2012 metais, pardavimai už 2017 metus – €486.180, už 2016 - €505.114. Įmonei reikalinga paskola apyvartinių lėšų papildymui. Už paskolą asmeniškai garantuoja įmonės vadovas.

Papildomas komentaras: klientui dalies apyvartinių lėšų reikia artimiausiu metu, tad reikalingą 18 000 Eur paskolą padalijome į dvi paskolas, (I) 9 000 Eur ir (II) 9 000 Eur teikiama šiuo pasiūlymu.

Profit (loss) report

Amount in euros
2017-12-312016-12-312015-12-31
Turnover
505114486180444362
Cost of sales
260827139202379088
Gross profit
24428734697865274
Operating costs
206301240799232730
Operating profit
37986106179-167456
Other income
Income from financial and investing activities
-465-80
Gross operating profit
37940106184-167536
Extra ordinary gain
Extra ordinary loss
8188
Profit before tax
29752106184-167536
Profit tax
56704835
Net income
24082101349-167536

Balance sheet

Amount in euros
2017-12-312016-12-312015-12-31
Long term assets
431035689628620
Intangible assets
Material assets
431035689628620
Financial assets
Other long term assets
Short term assets
459548380235195419
Stock advance payments contracts in progress
30952426021196029
Amount to be received within one year
14324510327656692
Other short term assets
Cash and cash equivalents
67791674842698
Total assets
502651437131224039
Capital and reserves
5332129239-157353
Statutory capital
463364633646336
Reappraisal reserves
Reserves
Retained earnings
6985-17097-203689
Donations and subsidies
Amount to be paid and liabilities
449330407892381392
Amounts to be paid after one year and long term liabilities
136359211572261533
Amount to be paid within one year and short term liabilities
312971196320119859
Liabilities in total
502651437131224039
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:
eurolift
Country:
Loan type:
/ Business
Amount:
9 000 €
Term:
15 months
Risk category:
c
Target rate:
15%
Collateral:
  • Loan Request
  • Company Details
  • Financials
  • Collaterals
  • Lending Offers
Amount
9 000 €
Loan term
15 months
Target rate
15%
Loan purpose
Working capital
Progress
24%
Repayments plan type
Amortizing
Listing ends
2018-06-02 18:05:00
Listing time left
6 days
Business Type
Limited liability company
Business Sector
Plastikas, guma, jų gaminiai
Product Service
-
Business Region
-
Years Trading
5
Number Of Employees
9

Business description

Eurolift Lithuania, UAB main activity – sales of tires. Company was launched in 2012, sales for 2017 - €486.180, for 2016 - €505.114. The company needs a loan for working capital financing. The loan is personally guaranteed by the CEO.

Additional information: for faster process of loan financing, we have divided the required loan of EUR 18 000 in to two parts of EUR 9 000, EUR 9 000 (with this offer).

//

Eurolift Lithuania, UAB pagrindinė veikla – prekyba padangomis. Įmonė veiklą pradėjo 2012 metais, pardavimai už 2017 metus – €486.180, už 2016 - €505.114. Įmonei reikalinga paskola apyvartinių lėšų papildymui. Už paskolą asmeniškai garantuoja įmonės vadovas.

Papildomas komentaras: klientui dalies apyvartinių lėšų reikia artimiausiu metu, tad reikalingą 18 000 Eur paskolą padalijome į dvi paskolas, (I) 9 000 Eur ir (II) 9 000 Eur teikiama šiuo pasiūlymu.

Profit (loss) report

Amount in euros
2017-12-312016-12-312015-12-31
Turnover
505114486180444362
Cost of sales
260827139202379088
Gross profit
24428734697865274
Operating costs
206301240799232730
Operating profit
37986106179-167456
Other income
Income from financial and investing activities
-465-80
Gross operating profit
37940106184-167536
Extra ordinary gain
Extra ordinary loss
8188
Profit before tax
29752106184-167536
Profit tax
56704835
Net income
24082101349-167536

Balance sheet

Amount in euros
2017-12-312016-12-312015-12-31
Long term assets
431035689628620
Intangible assets
Material assets
431035689628620
Financial assets
Other long term assets
Short term assets
459548380235195419
Stock advance payments contracts in progress
30952426021196029
Amount to be received within one year
14324510327656692
Other short term assets
Cash and cash equivalents
67791674842698
Total assets
502651437131224039
Capital and reserves
5332129239-157353
Statutory capital
463364633646336
Reappraisal reserves
Reserves
Retained earnings
6985-17097-203689
Donations and subsidies
Amount to be paid and liabilities
449330407892381392
Amounts to be paid after one year and long term liabilities
136359211572261533
Amount to be paid within one year and short term liabilities
312971196320119859
Liabilities in total
502651437131224039
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:
DariusBa
Country:
Loan type:
/ Consumer
Amount:
6 250 €
Term:
60 months
Risk category:
b
Target rate:
18%
  • Loan Request
  • Income/Expenses & Loans
  • Lending Offers
Amount
6 250 €
Loan term
60 months
Target rate
18%
Loan purpose
Home Improvements
Progress
52%
Listing ends
2018-06-06 09:37:55
Listing time left
10 days
Available Income
702 €
Monthly Income
702 €
Existing loans payments
0 €
Debt Repayments v Income (DTI) Ratio
25% 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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