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Business and Consumer loans

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NOW YOU CAN INVEST TO

+
User ID:
viktorijati
Country:
Loan type:
/ Consumer
Amount:
8 250 €
Term:
58 months
Risk category:
c
Target rate:
22%
  • Loan Request
  • Income/Expenses & Loans
  • Lending Offers
Amount
8 250 €
Loan term
58 months
Target rate
22%
Loan purpose
Consolidation of Other Loans
Progress
56%
Listing ends
2019-07-24 16:26:35
Listing time left
3 days
Available Income
1 127 €
Monthly Income
1 426 €
Existing loans payments
299 €
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
-

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:
lastoria
Country:
Loan type:
/ Business
Amount:
15 000 €
Term:
24 months
Risk category:
c
Target rate:
15%
Collateral:
  • Loan Request
  • Company Details
  • Financials
  • Collaterals
  • Lending Offers
Amount
15 000 €
Loan term
24 months
Target rate
15%
Loan purpose
Growth funding
Progress
64%
Repayments plan type
Amortizing
Listing ends
2019-07-24 16:59:33
Listing time left
3 days
Business Type
Other
Business Sector
Kavinės, klubai, barai, restoranai; Maisto parduotuvės
Product Service
-
Business Region
-
Years Trading
5
Number Of Employees
4

Business description

La Storia, UAB main activity – restaurant. Company was launched in 2013, sales for 2018 - €159.490, for 2017 - €76.106. The company needs a loan for FinBee loan refinancing and additional working capital financing. The loan is personally guaranteed by the shareholder of the company.

Additional comment: it is second time company is borrowing on FinBee Business platform. All payments were made on time.

//

La Storia, UAB pagrindinė veikla – restauranas. Įmonė veiklą pradėjo 2013 metais, pardavimai už 2018 metus – €159.490, už 2017 - €76.106. Įmonei reikalinga paskola apyvartinių FinBee Verslui paskolos refinansavimui ir apyvartinių lėšų papildymui. Už paskolą asmeniškai garantuoja įmonės akcininkas.

Papildomas komentaras: įmonė FinBee Verslui platformoje skolinasi antrą kartą. Visi mokėjimai atlikti laiku.

Profit (loss) report

Amount in euros
2018-12-312017-12-31
Turnover
15949076106
Cost of sales
7724019944
Gross profit
8225056162
Operating costs
8779752746
Operating profit
-55473416
Other income
9721
Income from financial and investing activities
Gross operating profit
-554713137
Extra ordinary gain
Extra ordinary loss
Profit before tax
-554713137
Profit tax
Net income
-554713137

Balance sheet

Amount in euros
2018-12-312017-12-31
Long term assets
83094616
Intangible assets
Material assets
83094616
Financial assets
Other long term assets
Short term assets
3821661616
Stock advance payments contracts in progress
769630854
Amount to be received within one year
2673630497
Other short term assets
Cash and cash equivalents
3784265
Total assets
4652566232
Capital and reserves
539036517
Statutory capital
2929
Reappraisal reserves
Reserves
Retained earnings
536136488
Donations and subsidies
Amount to be paid and liabilities
4113529715
Amounts to be paid after one year and long term liabilities
Amount to be paid within one year and short term liabilities
4113529715
Liabilities in total
4652566232
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:
Valentina97
Country:
Loan type:
/ Consumer
Amount:
7 120 €
Term:
58 months
Risk category:
c
Target rate:
22%
  • Loan Request
  • Income/Expenses & Loans
  • Lending Offers
Amount
7 120 €
Loan term
58 months
Target rate
22%
Loan purpose
Consolidation of Other Loans
Progress
74%
Listing ends
2019-08-01 14:03:57
Listing time left
11 days
Available Income
603 €
Monthly Income
616 €
Existing loans payments
13 €
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
2018-04-17

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:
samork
Country:
Loan type:
/ Consumer
Amount:
7 000 €
Term:
60 months
Risk category:
a
Target rate:
13%
  • Loan Request
  • Income/Expenses & Loans
  • Lending Offers
Amount
7 000 €
Loan term
60 months
Target rate
13%
Loan purpose
Consolidation of Other Loans
Progress
95%
Listing ends
2019-08-01 16:10:55
Listing time left
11 days
Available Income
1 685 €
Monthly Income
1 685 €
Existing loans payments
0 €
Debt Repayments v Income (DTI) Ratio
11% 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:
vairaratis
Country:
Loan type:
/ Business
Amount:
15 000 €
Term:
24 months
Risk category:
b
Target rate:
14%
Collateral:
  • Loan Request
  • Company Details
  • Financials
  • Collaterals
  • Lending Offers
Amount
15 000 €
Loan term
24 months
Target rate
14%
Loan purpose
Working capital
Progress
80%
Repayments plan type
Amortizing
Listing ends
2019-07-26 10:41:33
Listing time left
5 days
Business Type
Limited liability company
Business Sector
Automobilių prekyba; Logistikos paslaugos; Transporto paslaugos
Product Service
-
Business Region
-
Years Trading
24
Number Of Employees
13

Business description

Vairaratis, UAB main activity – freight transportation. Company was launched in 1995, sales for 2018 - €573.617, for 2017 - €676.390. The company needs a loan for working capital financing. The loan is personally guaranteed by the shareholder of the company.

//

Vairaratis, UAB pagrindinė veikla – krovinių transportavimas. Įmonė veiklą pradėjo 1995 metais, pardavimai už 2018 metus – €573.617, už 2017 - €676.390. Įmonei reikalinga paskola apyvartinių lėšų papildymui. Už paskolą asmeniškai garantuoja įmonės akcininkas.

Profit (loss) report

Amount in euros
2018-12-312017-12-31
Turnover
573617676390
Cost of sales
600802599254
Gross profit
-2718577136
Operating costs
6228163326
Operating profit
-8946613810
Other income
1792910686
Income from financial and investing activities
850871198
Gross operating profit
1355025694
Extra ordinary gain
Extra ordinary loss
Profit before tax
1355025694
Profit tax
12311214
Net income
1231924480

Balance sheet

Amount in euros
2018-12-312017-12-31
Long term assets
197138198856
Intangible assets
Material assets
197138198856
Financial assets
Other long term assets
Short term assets
145911223623
Stock advance payments contracts in progress
1406813420
Amount to be received within one year
91838180427
Other short term assets
Cash and cash equivalents
4000529776
Total assets
343049422479
Capital and reserves
8530672987
Statutory capital
7964579645
Reappraisal reserves
Reserves
Retained earnings
5661-6658
Donations and subsidies
Amount to be paid and liabilities
257743349492
Amounts to be paid after one year and long term liabilities
247062268186
Amount to be paid within one year and short term liabilities
1068181306
Liabilities in total
343049422479
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:
rovana
Country:
Loan type:
/ Business
Amount:
10 000 €
Term:
18 months
Risk category:
b
Target rate:
11%
Collateral:
  • Loan Request
  • Company Details
  • Financials
  • Collaterals
  • Lending Offers
Amount
10 000 €
Loan term
18 months
Target rate
11%
Loan purpose
Working capital
Progress
86%
Repayments plan type
Interest only
Listing ends
2019-07-26 10:38:27
Listing time left
5 days
Business Type
Limited liability company
Business Sector
Mažmeninė prekyba; Pramogos ir poilsis; Sporto, turizmo reikmenys; Žūklės ir medžioklės reikmenys, p
Product Service
-
Business Region
-
Years Trading
21
Number Of Employees
20

Business description

ROVANA, UAB main activity – retail sales of sports equipment in specialized shops. Company was launched in 1996, sales for 2018 - €908.212, for 2017 - €902.816. The company needs a loan for working capital financing. The loan is personally guaranteed by the CEO.

Additional information: this is a seventh Rovana, UAB loan on FinBee Business platform. All instalments were paid on time.

More information about the company at https://rovana.lt/

//

ROVANA, UAB pagrindinė veikla – sporto įrangos mažmeninė prekyba specializuotose parduotuvėse. Įmonė veiklą pradėjo 1996 metais, pardavimai už 2018 - €908.212, už 2017 metus - €902.816. Įmonei reikalinga paskola apyvartinių lėšų papildymui. Už paskolą asmeniškai garantuoja įmonės vadovas.

Papildomas komentaras: tai yra septinta UAB “Rovana” paskola FinBee Verslui. Visų paskolų įmokos įmokėtos laiku.

Daugiau informacijos apie įmonę https://rovana.lt/

Profit (loss) report

Amount in euros
2018-12-312017-12-31
Turnover
908212902816
Cost of sales
416487412422
Gross profit
491725490394
Operating costs
414443418653
Operating profit
7728271741
Other income
-5109-4143
Income from financial and investing activities
-12636-11666
Gross operating profit
5953755932
Extra ordinary gain
Extra ordinary loss
Profit before tax
5953755932
Profit tax
Net income
5953755932

Balance sheet

Amount in euros
2018-12-312017-12-31
Long term assets
361450424291
Intangible assets
17216020
Material assets
359729418271
Financial assets
Other long term assets
Short term assets
685225635759
Stock advance payments contracts in progress
606030565258
Amount to be received within one year
4945342368
Other short term assets
Cash and cash equivalents
2974228133
Total assets
10466751060050
Capital and reserves
419965410650
Statutory capital
144810144810
Reappraisal reserves
Reserves
Retained earnings
275155265840
Donations and subsidies
Amount to be paid and liabilities
626710649400
Amounts to be paid after one year and long term liabilities
121418134969
Amount to be paid within one year and short term liabilities
505292514431
Liabilities in total
10466751060050
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:
ninga
Country:
Loan type:
/ Consumer
Amount:
4 005 €
Term:
60 months
Risk category:
a
Target rate:
13%
  • Loan Request
  • Income/Expenses & Loans
  • Lending Offers
Amount
4 005 €
Loan term
60 months
Target rate
13%
Loan purpose
Other Purposes
Progress
84%
Listing ends
2019-08-02 15:16:34
Listing time left
12 days
Available Income
559 €
Monthly Income
725 €
Existing loans payments
166 €
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
2016-09-22

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:
Julius770
Country:
Loan type:
/ Consumer
Amount:
8 010 €
Term:
60 months
Risk category:
a
Target rate:
13%
  • Loan Request
  • Income/Expenses & Loans
  • Lending Offers
Amount
8 010 €
Loan term
60 months
Target rate
13%
Loan purpose
Car
Progress
50%
Listing ends
2019-08-02 16:44:33
Listing time left
12 days
Available Income
1 030 €
Monthly Income
1 113 €
Existing loans payments
83 €
Debt Repayments v Income (DTI) Ratio
26% 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:
Stralekna
Country:
Loan type:
/ Business
Amount:
5 000 €
Term:
18 months
Risk category:
c
Target rate:
15%
Collateral:
  • Loan Request
  • Company Details
  • Financials
  • Collaterals
  • Lending Offers
Amount
5 000 €
Loan term
18 months
Target rate
15%
Loan purpose
Working capital
Progress
91%
Repayments plan type
Amortizing
Listing ends
2019-07-27 11:07:16
Listing time left
6 days
Business Type
Limited liability company
Business Sector
Kita veikla
Product Service
-
Business Region
-
Years Trading
-
Number Of Employees
16

Business description

Stralekna, UAB main activity – sports club. Company was launched in 2019, sales for 2019 6 months- €44.327. The loan is issued for working capital financing. The loan is personally guaranteed by the CEO.

//

Stralekna, UAB pagrindinė veikla – sporto klubas. Įmonė veiklą pradėjo 2019 metais, pardavimai už 2019 m. 6 mėn.- €44.327. Įmonei suteikiama paskola apyvartinių lėšų papildymui. Už paskolą asmeniškai garantuoja įmonės vadovas.

Profit (loss) report

Amount in euros
2019-06-30
Turnover
44327
Cost of sales
Gross profit
44327
Operating costs
35605
Operating profit
8722
Other income
Income from financial and investing activities
Gross operating profit
8722
Extra ordinary gain
Extra ordinary loss
118
Profit before tax
8604
Profit tax
Net income
8604

Balance sheet

Amount in euros
2019-06-30
Long term assets
Intangible assets
Material assets
Financial assets
Other long term assets
Short term assets
11730
Stock advance payments contracts in progress
Amount to be received within one year
Other short term assets
Cash and cash equivalents
11730
Total assets
11730
Capital and reserves
11222
Statutory capital
2500
Reappraisal reserves
Reserves
Retained earnings
8722
Donations and subsidies
Amount to be paid and liabilities
508
Amounts to be paid after one year and long term liabilities
Amount to be paid within one year and short term liabilities
508
Liabilities in total
11730
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:
RimaJu
Country:
Loan type:
/ Consumer
Amount:
5 250 €
Term:
36 months
Risk category:
b
Target rate:
14%
  • Loan Request
  • Income/Expenses & Loans
  • Lending Offers
Amount
5 250 €
Loan term
36 months
Target rate
14%
Loan purpose
Consolidation of Other Loans
Progress
93%
Listing ends
2019-08-02 20:35:08
Listing time left
12 days
Available Income
1 110 €
Monthly Income
1 188 €
Existing loans payments
78 €
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
2016-03-23

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