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Average return rate from 18%

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WHY INVEST WITH FINBEE?

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We are an international company with solid results

As of 2017, Our historical interest rate of 21 percent
and NPLs rate of 4.8 percent is one of the best in Europe.

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Business and Consumer loans

As FinBee investor, you can invest to personal loans or business loans.

Read more >>
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We sign every loan contract in person

We sign every loan contract with our borrowers in person.
This adds an extra layer of security for your investment.

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NOW YOU CAN INVEST TO

+
User ID:
romin
Country:
Loan type:
/ Consumer
Amount:
8 700 €
Term:
60 months
Risk category:
b
Target rate:
17%
  • Loan Request
  • Income/Expenses & Loans
  • Lending Offers
Amount
8 700 €
Loan term
60 months
Target rate
17%
Loan purpose
Other Purposes
Progress
89%
Listing ends
2019-07-02 17:48:12
Listing time left
7 days
Available Income
827 €
Monthly Income
827 €
Existing loans payments
0 €
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
-

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:
ele22
Country:
Loan type:
/ Consumer
Amount:
4 850 €
Term:
46 months
Risk category:
b
Target rate:
15%
  • Loan Request
  • Income/Expenses & Loans
  • Lending Offers
Amount
4 850 €
Loan term
46 months
Target rate
15%
Loan purpose
Other Purposes
Progress
66%
Listing ends
2019-07-04 14:28:32
Listing time left
8 days
Available Income
523 €
Monthly Income
606 €
Existing loans payments
83 €
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
2016-09-12

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:
Gijank
Country:
Loan type:
/ Consumer
Amount:
7 610 €
Term:
30 months
Risk category:
b
Target rate:
14%
  • Loan Request
  • Income/Expenses & Loans
  • Lending Offers
Amount
7 610 €
Loan term
30 months
Target rate
14%
Loan purpose
Other Purposes
Progress
61%
Listing ends
2019-07-04 16:27:26
Listing time left
8 days
Available Income
2 834 €
Monthly Income
3 807 €
Existing loans payments
973 €
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
+
User ID:
7777
Country:
Loan type:
/ Consumer
Amount:
7 800 €
Term:
48 months
Risk category:
a
Target rate:
13%
  • Loan Request
  • Income/Expenses & Loans
  • Lending Offers
Amount
7 800 €
Loan term
48 months
Target rate
13%
Loan purpose
Other Purposes
Progress
38%
Listing ends
2019-07-05 16:19:06
Listing time left
9 days
Available Income
651 €
Monthly Income
651 €
Existing loans payments
0 €
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
-

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:
Sigitas533
Country:
Loan type:
/ Consumer
Amount:
5 000 €
Term:
60 months
Risk category:
a
Target rate:
13%
  • Loan Request
  • Income/Expenses & Loans
  • Lending Offers
Amount
5 000 €
Loan term
60 months
Target rate
13%
Loan purpose
Other Purposes
Progress
55%
Listing ends
2019-07-06 11:27:42
Listing time left
10 days
Available Income
676 €
Monthly Income
676 €
Existing loans payments
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
2014-05-28

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:
Qwertyyy
Country:
Loan type:
/ Consumer
Amount:
4 900 €
Term:
58 months
Risk category:
c
Target rate:
22%
  • Loan Request
  • Income/Expenses & Loans
  • Lending Offers
Amount
4 900 €
Loan term
58 months
Target rate
22%
Loan purpose
Home Improvements
Progress
95%
Listing ends
2019-07-06 11:32:15
Listing time left
10 days
Available Income
562 €
Monthly Income
562 €
Existing loans payments
0 €
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
-

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:
Mindaugas55
Country:
Loan type:
/ Consumer
Amount:
6 370 €
Term:
36 months
Risk category:
c
Target rate:
21%
  • Loan Request
  • Income/Expenses & Loans
  • Lending Offers
Amount
6 370 €
Loan term
36 months
Target rate
21%
Loan purpose
Consolidation of Other Loans
Progress
49%
Listing ends
2019-07-06 13:30:21
Listing time left
10 days
Available Income
736 €
Monthly Income
736 €
Existing loans payments
0 €
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
2017-11-21

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:
Mode1993
Country:
Loan type:
/ Consumer
Amount:
5 260 €
Term:
58 months
Risk category:
c
Target rate:
22%
  • Loan Request
  • Income/Expenses & Loans
  • Lending Offers
Amount
5 260 €
Loan term
58 months
Target rate
22%
Loan purpose
Consolidation of Other Loans
Progress
33%
Listing ends
2019-07-06 14:47:52
Listing time left
10 days
Available Income
460 €
Monthly Income
460 €
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
2016-11-22

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:
merada
Country:
Loan type:
/ Business
Amount:
9 000 €
Term:
21 months
Risk category:
c
Target rate:
16%
Collateral:
  • Loan Request
  • Company Details
  • Financials
  • Collaterals
  • Lending Offers
Amount
9 000 €
Loan term
21 months
Target rate
16%
Loan purpose
Working capital
Progress
58%
Repayments plan type
Amortizing
Listing ends
2019-07-03 10:53:02
Listing time left
7 days
Business Type
Individual enterprise
Business Sector
Baldai (gamyba); Baldai (prekyba); Juvelyriniai dirbiniai ir bižuterija
Product Service
-
Business Region
-
Years Trading
27
Number Of Employees
10

Business description

Merada, IĮ main activity – sales of furniture. Company was launched in 1991, its sales for 2018 - €602.474, for 2017 - €349.664. The company requires a loan for working capital. The loan is secured with a guarantee of the CEO.

More about the company: https://baldoteka.lt

//

Merada, IĮ pagrindinė veikla – prekyba baldais. Įmonė veiklą pradėjo 1991 metais, pardavimai už 2018 - €602.474, už 2017 m. - €349.664. Paskolos lėšos bus naudojamos apyvartinių lėšų kapitalui papildyti. Už paskolą asmeniškai garantuoja įmonės vadovas.

Daugiau apie įmonę: https://baldoteka.lt

Profit (loss) report

Amount in euros
2018-12-312017-12-31
Turnover
602474349664
Cost of sales
456943269873
Gross profit
14553179791
Operating costs
120653108047
Operating profit
24878-28256
Other income
6801
Income from financial and investing activities
-6396-7501
Gross operating profit
19162-35756
Extra ordinary gain
204256
Extra ordinary loss
503814
Profit before tax
18863-36314
Profit tax
Net income
18863-36314

Balance sheet

Amount in euros
2018-12-312017-12-31
Long term assets
111727112518
Intangible assets
205
Material assets
111727112313
Financial assets
Other long term assets
Short term assets
276884242765
Stock advance payments contracts in progress
287234259264
Amount to be received within one year
-25013-23433
Other short term assets
Cash and cash equivalents
146636934
Total assets
388611355283
Capital and reserves
-74338-93199
Statutory capital
Reappraisal reserves
Reserves
Retained earnings
-74338-93199
Donations and subsidies
Amount to be paid and liabilities
462949448483
Amounts to be paid after one year and long term liabilities
5954476972
Amount to be paid within one year and short term liabilities
403405371511
Liabilities in total
388611355284
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:
gintaras78
Country:
Loan type:
/ Consumer
Amount:
3 300 €
Term:
58 months
Risk category:
c
Target rate:
22%
  • Loan Request
  • Income/Expenses & Loans
  • Lending Offers
Amount
3 300 €
Loan term
58 months
Target rate
22%
Loan purpose
Other Purposes
Progress
77%
Listing ends
2019-07-10 11:46:03
Listing time left
14 days
Available Income
483 €
Monthly Income
520 €
Existing loans payments
37 €
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
2012-07-31

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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