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+
User ID:
motoloftas
Loan type:
/ Business
Amount:
16360€
Term:
16 months
Risk category:
c
Target rate:
15%
Collateral:
  • Loan Request
  • Company Details
  • Financials
  • Collaterals
  • Lending Offers
Amount
16 360€
Loan term
16 months
Target rate
15%
Loan purpose
Working capital
Progress
48%
Repayments plan type
Amortizing
Listing ends
2017-11-21 11:40:26
Listing time left
2 days
Business Type
Limited liability company
Business Sector
Ekspedijavimas
Product Service
-
Business Region
-
Years Trading
4
Number Of Employees
5

Business description

UAB “Motoloftas” užsiima krovinių gabenimo agentų ir ekspeditorių veikla. Įmonė veiklą pradėjo 2013 metais, už 2016 metus pardavimai – 1,83 mln. EUR, 2017 I pusmečio - 1,05 mln. EUR. Įmonei reikalinga paskola apyvartinėms lėšoms. Pagrindinis įmonės klientas turi 60 d. užsakymo apmokėjimo terminą, tad augant pardavimams atsiranda poreikis papildomoms apyvartinėms lėšoms. Paskolos lėšos padės laiku vykdyti užsakymus ir išlaikyti klientų pasitikėjimą. Už paskolą asmeniškai garantuoja įmonės vadovas.

Papildomas komentaras
Dėl ilgiau nei planuota trukusio finansavimo įmonei reikalingą 25 000 EUR padalinome į dvi paskolas 8 640 EUR (jau išmokėta) ir 16 360 EUR, kuri teikiama investuotojams šiuo siūlymu.

//

“Motoloftas”, UAB main activity – international freight deliveries. Company was launched in 2013, for 2016 its sales EUR 1,83 mln., 1H of 2017 - EUR 1,05 million. The company requires a loan for working capital. Main client of the company pays with a 60 days delay after delivery. Therefore, company is in shortage of working capital. The loan is secured by the guarantee of the CEO.

Additional comment
Due to the longer than expected loan financing process, we have divided the required loan of EUR 25 000 into two loans: (i) EUR 8 640, that are already disbursed to client, (ii) EUR 16 360, which is provided to investors with this offer.

Profit (loss) report

Amount in euros
2017-06-302016-12-312015-12-31
Turnover
10543771825286608274
Cost of sales
9113431691547554658
Gross profit
14303413373953616
Operating costs
803589490048466
Operating profit
62676388395150
Other income
72
Income from financial and investing activities
-8690-2209-223
Gross operating profit
54058366304927
Extra ordinary gain
Extra ordinary loss
Profit before tax
54058366304927
Profit tax
5377253
Net income
54058312534674

Balance sheet

Amount in euros
2017-06-302016-12-312015-12-31
Long term assets
19462830436455
Intangible assets
Material assets
17962829729
Financial assets
15000
Other long term assets
707455
Short term assets
440323373033167427
Stock advance payments contracts in progress
Amount to be received within one year
425033369436152102
Other short term assets
6848
Cash and cash equivalents
1529035978477
Total assets
634951403469167882
Capital and reserves
90732370345781
Statutory capital
289628962896
Reappraisal reserves
Reserves
289289
Retained earnings
87547338492885
Donations and subsidies
Amount to be paid and liabilities
544219366435162101
Amounts to be paid after one year and long term liabilities
18781123316
Amount to be paid within one year and short term liabilities
356408343119162101
Liabilities in total
634951403469167882
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:
lingrid
Loan type:
/ Business
Amount:
11040€
Term:
16 months
Risk category:
c
Target rate:
15%
Collateral:
  • Loan Request
  • Company Details
  • Financials
  • Collaterals
  • Lending Offers
Amount
11 040€
Loan term
16 months
Target rate
15%
Loan purpose
Working capital
Progress
44%
Repayments plan type
Amortizing
Listing ends
2017-11-22 13:18:40
Listing time left
3 days
Business Type
Limited liability company
Business Sector
Grožio salonai ir kirpyklos, pardavimai
Product Service
-
Business Region
-
Years Trading
4
Number Of Employees
7

Business description

Bendrovė “Lingrid” užsiima profesionalių grožio prekių prekyba. Įmonė veiklą pradėjo 2012 metais, už 2016 metus pardavimai – 153 tūkst. EUR, 2017 I pusmečio - 120 tūkst. EUR. Įmonei reikalinga paskola papildyti apyvartines lėšas - asortimento plėtimui ir atnaujinimui. Už paskolą asmeniškai garantuoja įmonės vadovas.

Daugiau informacijos apie įmonę: http://lingrid.lt

Turime išskirtinį pasiūlymą savo investuotojams: kiekvienas investuotojas (-a), investavęs (-usi) daugiau negu 50 EUR į šią paskolą gaus 5% nuolaidą visai įmonės produkcijai ir 10% nuolaidą visiems elektriniams prietaisams siūlomiems lingrid.lt interneto parduotuvėje.

Papildomas komentaras
Dėl ilgiau nei planuota trukusio finansavimo įmonei reikalingą 20 000 EUR padalinome į dvi paskolas 9 060 EUR ir 11 040 EUR, kuri teikiama investuotojams šiuo siūlymu.

//

“Lingrid”, UAB main activity – sales of professional beauty care products. Company was launched in 2012, for 2016 its sales EUR 153 thousand, 1H of 2017 - EUR 120 thousand. The company requires a loan for working capital financing – to increase the variety of beauty care products and replenishment of stock. The loan is secured by the guarantee of the CEO.

More information about the company: http://lingrid.lt

Additional comment
Due to the longer than expected loan financing process, we have divided the required loan of EUR 20 000 into two loans: (i) EUR 9 060, that are already disbursed to client, (ii) EUR 11 040, which is provided to investors with this offer.

Profit (loss) report

Amount in euros
2017-06-302016-12-312015-12-31
Turnover
120767153904106929
Cost of sales
426096776859249
Gross profit
781588613647680
Operating costs
295688901845468
Operating profit
48590-28822212
Other income
48246392
Income from financial and investing activities
-13-176-666
Gross operating profit
5340133341546
Extra ordinary gain
Extra ordinary loss
Profit before tax
5340133341546
Profit tax
533263
Net income
5340128011283

Balance sheet

Amount in euros
2017-06-302016-12-312015-12-31
Long term assets
208725631180
Intangible assets
4027341180
Material assets
16851829
Financial assets
Other long term assets
Short term assets
1122326925555321
Stock advance payments contracts in progress
788796385951639
Amount to be received within one year
97282947399
Other short term assets
770770
Cash and cash equivalents
2285516793283
Total assets
1143197181856501
Capital and reserves
6019067883987
Statutory capital
289628962896
Reappraisal reserves
Reserves
Retained earnings
5729438921091
Donations and subsidies
Amount to be paid and liabilities
541296503052514
Amounts to be paid after one year and long term liabilities
Amount to be paid within one year and short term liabilities
541296503052514
Liabilities in total
1143197181856501
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:
mikavi
Loan type:
/ Consumer
Amount:
6900€
Term:
60 months
Risk category:
b
Target rate:
18%
  • Loan Request
  • Income/Expenses & Loans
  • Lending Offers
Amount
6 900€
Loan term
60 months
Target rate
18%
Loan purpose
Home Improvements
Progress
60%
Listing ends
2017-11-23 14:49:40
Listing time left
4 days
Available Income
538 €
Monthly Income
538 €
Monthly Expenses
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
2014-04-18

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:
klingerireligijus
Loan type:
/ Business
Amount:
8120€
Term:
36 months
Risk category:
c
Target rate:
16%
Collateral:
  • Loan Request
  • Company Details
  • Financials
  • Collaterals
  • Lending Offers
Amount
8 120€
Loan term
36 months
Target rate
16%
Loan purpose
Working capital
Progress
29%
Repayments plan type
Amortizing
Listing ends
2017-11-25 11:36:36
Listing time left
6 days
Business Type
Limited liability company
Business Sector
Reklamos paslaugos
Product Service
-
Business Region
-
Years Trading
23
Number Of Employees
7

Business description

UAB “Klinger ir Eligijus” užsiima reklamos ir reklamos produktų prekyba. Įmonė veiklą pradėjo 1993 metais, už 2016 metus pardavimai – 234 tūkst. EUR, 2017 I pusmečio - 115 tūkst. EUR. Įmonei reikalinga paskola apyvartinėms lėšoms: 40% paskolos lėšų bus panaudota naujo produkkto įvedimui ir marketingui; 30% - sandėlio papildymui; likę 30% - bus panaudota skolos refinansavimui. Tai padės optimizuoti pinigų srautus ir užtikrinti pakankamą turimų atsargų kiekį. Už paskolą asmeniškai garantuoja įmonės vadovas.

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

Turime specialų pasiūlymą Jums: investavus daugiau nei 50 EUR į šią paskolą Jums priklausys 10% nuolaida visoms UAB “Klinger ir Eligijus” paslaugoms ir produkcijai.

Papildomas komentaras
Dėl ilgiau nei planuota trukusio finansavimo įmonei reikalingą 15 000 EUR padalinome į dvi paskolas 6 880 EUR (jau sufinansuota) ir 8 120 EUR, kuri teikiama investuotojams šiuo siūlymu.

//

“Klinger ir Eligijus”, UAB main activity – sales advertisement products. Company was launched in 1993, for 2016 its sales EUR 234 thousand, 1H of 2017 - EUR 115 thousand. The company requires a loan for working capital: 40% of the loan funds will be used for a new product and its marketing, 30% - for purchase of stock, 30% - refinancing current loans. The funds will help the company to optimise cash flow and ensure stable amount of stock available. The loan is secured with a guarantee by the CEO.

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

Additional comment
Due to the longer than expected loan financing process, we have divided the required loan of EUR 15 000 into two loans: (i) EUR 6 880, that are already disbursed to client, (ii) EUR 8 120, which is provided to investors with this offer.

Profit (loss) report

Amount in euros
2017-06-302016-12-312015-12-31
Turnover
115957234092223315
Cost of sales
57429142376122202
Gross profit
5852891716101113
Operating costs
579299064299339
Operating profit
59910741774
Other income
398801109
Income from financial and investing activities
-153-188-135
Gross operating profit
8449662748
Extra ordinary gain
Extra ordinary loss
Profit before tax
8449662748
Profit tax
206399
Net income
8447602349

Balance sheet

Amount in euros
2017-06-302016-12-312015-12-31
Long term assets
121131306214076
Intangible assets
107
Material assets
8492944210349
Financial assets
362136203620
Other long term assets
Short term assets
98694106655115057
Stock advance payments contracts in progress
478165287541544
Amount to be received within one year
474084241163132
Other short term assets
285758520
Cash and cash equivalents
31851061110381
Total assets
110807119718129653
Capital and reserves
481894734446583
Statutory capital
123659123659123659
Reappraisal reserves
Reserves
Retained earnings
-75470-76315-77076
Donations and subsidies
Amount to be paid and liabilities
626187237583070
Amounts to be paid after one year and long term liabilities
145314533574
Amount to be paid within one year and short term liabilities
611657092279496
Liabilities in total
110807119718129653
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:
laimonas1
Loan type:
/ Consumer
Amount:
8240€
Term:
58 months
Risk category:
b
Target rate:
18%
  • Loan Request
  • Income/Expenses & Loans
  • Lending Offers
Amount
8 240€
Loan term
58 months
Target rate
18%
Loan purpose
Consolidation of Other Loans
Progress
73%
Listing ends
2017-11-24 14:14:03
Listing time left
5 days
Available Income
1 077 €
Monthly Income
1 288 €
Monthly Expenses
211 €
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
-

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:
dainius1987
Loan type:
/ Consumer
Amount:
5490€
Term:
58 months
Risk category:
c
Target rate:
23%
  • Loan Request
  • Income/Expenses & Loans
  • Lending Offers
Amount
5 490€
Loan term
58 months
Target rate
23%
Loan purpose
Home Improvements
Progress
71%
Listing ends
2017-11-28 15:08:14
Listing time left
9 days
Available Income
1 131 €
Monthly Income
1 357 €
Monthly Expenses
226 €
Debt Repayments v Income (DTI) Ratio
30% Ratio is acceptable
Employment status
Employed
Outstanding debts and financial obligations
-
Date of the last registered payment of debt and financial obligations
2016-04-30

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:
Almar
Loan type:
/ Consumer
Amount:
10000€
Term:
60 months
Risk category:
b
Target rate:
18%
  • Loan Request
  • Income/Expenses & Loans
  • Lending Offers
Amount
10 000€
Loan term
60 months
Target rate
18%
Loan purpose
Home Improvements
Progress
12%
Listing ends
2017-12-02 15:11:30
Listing time left
13 days
Available Income
4 431 €
Monthly Income
6 596 €
Monthly Expenses
2 165 €
Debt Repayments v Income (DTI) Ratio
37% Ratio is acceptable
Employment status
Self-Employed
Outstanding debts and financial obligations
-
Date of the last registered payment of debt and financial obligations
-

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:
Almar
Loan type:
/ Consumer
Amount:
5690€
Term:
60 months
Risk category:
b
Target rate:
18%
  • Loan Request
  • Income/Expenses & Loans
  • Lending Offers
Amount
5 690€
Loan term
60 months
Target rate
18%
Loan purpose
Home Improvements
Progress
64%
Listing ends
2017-11-29 12:05:14
Listing time left
10 days
Available Income
4 308 €
Monthly Income
6 596 €
Monthly Expenses
2 288 €
Debt Repayments v Income (DTI) Ratio
37% Ratio is acceptable
Employment status
Self-Employed
Outstanding debts and financial obligations
-
Date of the last registered payment of debt and financial obligations
-

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:
Pavle
Loan type:
/ Consumer
Amount:
7180€
Term:
58 months
Risk category:
c
Target rate:
23%
  • Loan Request
  • Income/Expenses & Loans
  • Lending Offers
Amount
7 180€
Loan term
58 months
Target rate
23%
Loan purpose
Consolidation of Other Loans
Progress
37%
Listing ends
2017-11-29 15:01:18
Listing time left
10 days
Available Income
1 001 €
Monthly Income
1 072 €
Monthly Expenses
71 €
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
2014-10-01

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:
Repus
Loan type:
/ Consumer
Amount:
6260€
Term:
50 months
Risk category:
d
Target rate:
26%
  • Loan Request
  • Income/Expenses & Loans
  • Lending Offers
Amount
6 260€
Loan term
50 months
Target rate
26%
Loan purpose
Consolidation of Other Loans
Progress
27%
Listing ends
2017-11-29 15:42:02
Listing time left
10 days
Available Income
621 €
Monthly Income
639 €
Monthly Expenses
18 €
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
2017-11-11

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

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.

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