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NOW YOU CAN INVEST TO

+
User ID:
Egiptolobiai
Country:
Loan type:
/ Business
Amount:
12 000 €
Term:
19 months
Risk category:
c
Target rate:
15%
Collateral:
  • Loan Request
  • Company Details
  • Financials
  • Collaterals
  • Lending Offers
Amount
12 000 €
Loan term
19 months
Target rate
15%
Loan purpose
Growth funding
Progress
60%
Repayments plan type
Interest only
Listing ends
2018-04-25 11:11:46
Listing time left
2 days
Business Type
Limited liability company
Business Sector
Kosmetika, parfumerija // Cosmetics, parfume
Product Service
Kosmetika, parfumerija // Cosmetics, parfume
Business Region
-
Years Trading
3
Number Of Employees
1

Business description

Egipto lobiai, UAB pagrindinė veikla - didmeninė prekyba natūraliais augaliniais, masažiniais aliejais, natūraliais eteriniais aliejais bei kosmetiniais aliejais. Įmonės gaminius galima įsigyti Rimi, bei Martina prekybos tinkluose.
Tolimesnei verslo plėtrai trūksta apyvartinių lėšų. Paskolos lėšos bus naudojamos apyvartinėms lėšoms papildyti ir pirmos paskolos (ID 6230) per FinBeeVerslui platformą refinansavimui. Už paskolą asmeniškai garantuoja įmonės vadovas.

Papildoma informacija: Įmonė FinBeeVerslui platformoje skolinasi antrą kartą. Iki šiol buvusios 9 000 EUR paskolos mėnesinės įmokos mokėtos laiku.

//

Egipto lobiai, UAB main activity - wholesale of natural herbal, massage oils, natural essential oils and cosmetic oils. Company products can be purchased at Rimi shopping canters and Martina shops.
Further business expansion requires additional working capital. Loan funds will be used for working capital financing and refinancing their first loan (ID 6230) from FinBee business platform. Loan is secured by the guaranty of the CEO.

Additional information: Company is borrowing on FinBee business platform for a second time. All previous monthly payments of the first loan of 9 000 EUR were paid on time.

Profit (loss) report

Amount in euros
2018-03-312017-12-312016-12-31
Turnover
258287348543230
Cost of sales
93784121519840
Gross profit
164503227023390
Operating costs
23901360024085
Operating profit
1406018670-695
Other income
Income from financial and investing activities
-63-824-556
Gross operating profit
1399717846-1251
Extra ordinary gain
Extra ordinary loss
Profit before tax
1399717846-1251
Profit tax
Net income
1399717846-1251

Balance sheet

Amount in euros
2018-03-312017-12-312016-12-31
Long term assets
15556115026738
Intangible assets
Material assets
15556115026738
Financial assets
Other long term assets
Short term assets
10665910800548816
Stock advance payments contracts in progress
372324985933646
Amount to be received within one year
Other short term assets
694275814615170
Cash and cash equivalents
Total assets
12221510915575554
Capital and reserves
34113201162270
Statutory capital
Reappraisal reserves
Reserves
Retained earnings
Donations and subsidies
Amount to be paid and liabilities
881028903973284
Amounts to be paid after one year and long term liabilities
1159056452
Amount to be paid within one year and short term liabilities
765128903916832
Liabilities in total
12221510915575554
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:
kliepuke
Country:
Loan type:
/ Consumer
Amount:
5 955 €
Term:
48 months
Risk category:
b
Target rate:
16%
  • Loan Request
  • Income/Expenses & Loans
  • Lending Offers
Amount
5 955 €
Loan term
48 months
Target rate
16%
Loan purpose
Home Improvements
Progress
69%
Listing ends
2018-04-30 22:27:41
Listing time left
7 days
Available Income
700 €
Monthly Income
709 €
Existing loans payments
9 €
Debt Repayments v Income (DTI) Ratio
28% 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:
Roma64
Country:
Loan type:
/ Consumer
Amount:
7 050 €
Term:
58 months
Risk category:
c
Target rate:
23%
  • Loan Request
  • Income/Expenses & Loans
  • Lending Offers
Amount
7 050 €
Loan term
58 months
Target rate
23%
Loan purpose
Home Improvements
Progress
82%
Listing ends
2018-05-01 13:03:54
Listing time left
8 days
Available Income
920 €
Monthly Income
1 121 €
Existing loans payments
201 €
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
2016-11-15

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:
Edita75
Country:
Loan type:
/ Consumer
Amount:
9 600 €
Term:
57 months
Risk category:
c
Target rate:
23%
  • Loan Request
  • Income/Expenses & Loans
  • Lending Offers
Amount
9 600 €
Loan term
57 months
Target rate
23%
Loan purpose
Medical expenses
Progress
55%
Listing ends
2018-05-02 11:43:24
Listing time left
9 days
Available Income
912 €
Monthly Income
912 €
Existing loans payments
0 €
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
2016-10-04

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:
varimax
Country:
Loan type:
/ Business
Amount:
5 000 €
Term:
6 months
Risk category:
c
Target rate:
15%
Collateral:
  • Loan Request
  • Company Details
  • Financials
  • Collaterals
  • Lending Offers
Amount
5 000 €
Loan term
6 months
Target rate
15%
Loan purpose
Working capital
Progress
92%
Repayments plan type
Interest only
Listing ends
2018-04-26 13:11:56
Listing time left
3 days
Business Type
Limited liability company
Business Sector
Renovacija,Statyba
Product Service
-
Business Region
-
Years Trading
9
Number Of Employees
1

Business description

Varimax, UAB main activity – construction of residential and non-residential buildings. Company was launched in 2008, sales for 2017 - EUR 126 thousand, for 2016 - EUR 148 thousand. The company needs a loan for working capital financing. The loan funds are planned to be used for purchase of materials. The loan is guaranteed with a promissory note of a company’s stockholder.

Additional information: for faster process of loan financing, we have divided the required loan of EUR 10 000 in to two parts of EUR 5 000, EUR 5 000 (with this offer).
//

Varimax, UAB pagrindinė veikla – gyvenamųjų ir negyvenamųjų pastatų statyba. Įmonė veiklą pradėjo 2008 metais, pardavimai už 2017 metus – 126 tūkst. EUR, už 2016 - 148 tūkst. EUR. Įmonei reikalinga paskola apyvartinių lėšų papildymui. Už paskolos lėšas yra planuojama nusipirkti statybinių mėdžiagų. Paskola garantuojama akcininko vekseliu.

Papildomas komentaras: klientui dalies apyvartinių lėšų reikia artimiausiu metu, tad reikalingą 10 000 Eur paskolą padalijome į dvi paskolas, (I) 5 000 Eur ir (II) 5 000 Eur teikiama šiuo pasiūlymu.

Profit (loss) report

Amount in euros
2017-12-31
Turnover
126462
Cost of sales
41179
Gross profit
85283
Operating costs
10624
Operating profit
74659
Other income
-254
Income from financial and investing activities
Gross operating profit
74405
Extra ordinary gain
Extra ordinary loss
Profit before tax
74405
Profit tax
Net income
74405

Balance sheet

Amount in euros
2017-12-31
Long term assets
3977
Intangible assets
Material assets
3977
Financial assets
Other long term assets
Short term assets
114181
Stock advance payments contracts in progress
18986
Amount to be received within one year
Other short term assets
94745
Cash and cash equivalents
450
Total assets
118159
Capital and reserves
85716
Statutory capital
2896
Reappraisal reserves
Reserves
290
Retained earnings
82530
Donations and subsidies
Amount to be paid and liabilities
32442
Amounts to be paid after one year and long term liabilities
Amount to be paid within one year and short term liabilities
32442
Liabilities in total
118159
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:
Beata82
Country:
Loan type:
/ Consumer
Amount:
5 400 €
Term:
60 months
Risk category:
b
Target rate:
18%
  • Loan Request
  • Income/Expenses & Loans
  • Lending Offers
Amount
5 400 €
Loan term
60 months
Target rate
18%
Loan purpose
Business Purposes
Progress
30%
Listing ends
2018-05-02 15:10:17
Listing time left
9 days
Available Income
499 €
Monthly Income
574 €
Existing loans payments
75 €
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
2013-09-25

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:
setatrans
Country:
Loan type:
/ Business
Amount:
7 000 €
Term:
15 months
Risk category:
c
Target rate:
15%
Collateral:
  • Loan Request
  • Company Details
  • Financials
  • Collaterals
  • Lending Offers
Amount
7 000 €
Loan term
15 months
Target rate
15%
Loan purpose
Working capital
Progress
99%
Repayments plan type
Amortizing
Listing ends
2018-04-26 10:55:10
Listing time left
3 days
Business Type
Other
Business Sector
Transporto paslaugos
Product Service
-
Business Region
-
Years Trading
5
Number Of Employees
8

Business description

SETA Trans, MB main activity – freight road transport. Company was launched in 2013, sales for 2017 - EUR 158 thousand, for 2016 - EUR 150 thousand. The company needs a loan for working capital financing. The loan is personally guaranteed by the CEO.

//

SETA Trans, MB pagrindinė veikla – krovininis kelių transportas. Įmonė veiklą pradėjo 2013 metais, pardavimai už 2017 metus – 158 tūkst. EUR, už 2016 - 150 tūkst. EUR. Įmonei reikalinga paskola apyvartinių lėšų papildymui. Už paskolą asmeniškai garantuoja įmonės vadovas.

Profit (loss) report

Amount in euros
2017-12-312016-12-312015-12-31
Turnover
158561150089142230
Cost of sales
60847891765446
Gross profit
9771460913136784
Operating costs
4721026661109698
Operating profit
505043425227086
Other income
147
Income from financial and investing activities
-1431-296-893
Gross operating profit
490733395626340
Extra ordinary gain
Extra ordinary loss
Profit before tax
490733395626340
Profit tax
245316171324
Net income
466203233925016

Balance sheet

Amount in euros
2017-12-312016-12-312015-12-31
Long term assets
350993329923959
Intangible assets
Material assets
350993329923959
Financial assets
Other long term assets
Short term assets
500823488939150
Stock advance payments contracts in progress
31251902388
Amount to be received within one year
343663285235458
Other short term assets
Cash and cash equivalents
1259118471304
Total assets
851816818863109
Capital and reserves
691375702556271
Statutory capital
695169516951
Reappraisal reserves
Reserves
Retained earnings
621865007449320
Donations and subsidies
Amount to be paid and liabilities
16044111636838
Amounts to be paid after one year and long term liabilities
126735596
Amount to be paid within one year and short term liabilities
337155676838
Liabilities in total
851816818863109
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:
irina83
Country:
Loan type:
/ Consumer
Amount:
3 150 €
Term:
48 months
Risk category:
b
Target rate:
16%
  • Loan Request
  • Income/Expenses & Loans
  • Lending Offers
Amount
3 150 €
Loan term
48 months
Target rate
16%
Loan purpose
Home Improvements
Progress
97%
Listing ends
2018-05-03 09:59:12
Listing time left
10 days
Available Income
436 €
Monthly Income
436 €
Existing loans payments
0 €
Debt Repayments v Income (DTI) Ratio
23% Ratio is acceptable
Employment status
Employed
Outstanding debts and financial obligations
-
Date of the last registered payment of debt and financial obligations
2012-03-01

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:
Vitaliukas
Country:
Loan type:
/ Consumer
Amount:
4 300 €
Term:
58 months
Risk category:
c
Target rate:
23%
  • Loan Request
  • Income/Expenses & Loans
  • Lending Offers
Amount
4 300 €
Loan term
58 months
Target rate
23%
Loan purpose
Consolidation of Other Loans
Progress
88%
Listing ends
2018-05-03 11:08:28
Listing time left
10 days
Available Income
1 130 €
Monthly Income
1 597 €
Existing loans payments
467 €
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:
Linute1234
Country:
Loan type:
/ Consumer
Amount:
6 500 €
Term:
50 months
Risk category:
b
Target rate:
18%
  • Loan Request
  • Income/Expenses & Loans
  • Lending Offers
Amount
6 500 €
Loan term
50 months
Target rate
18%
Loan purpose
Home Improvements
Progress
41%
Listing ends
2018-05-03 11:28:54
Listing time left
10 days
Available Income
813 €
Monthly Income
835 €
Existing loans payments
22 €
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
2016-11-18

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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