Loan providers | Bondster
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Meet the non-bank lenders

Acema

ACEMA Credit Czech, a.s. has been operating on the Czech credit market since 2000. It has strengthened its position with foreign investment in the company in 2012. With the help of this new investor, ACEMA has adjusted its products to make them even more accessible and attractive to a wider range of loan applicants and can therefore offer attractive loans through the Bondster platform. In 2016, the company issued almost 550 loans totaling 419 million. Currently, ACEMA is one of the most significant providers of non-bank secured loans on the Czech market.

ACEMA Credit Czech, a.s. successfully passed the licensing procedure of the Czech National Bank and, on 4 May 2018, it became a regulated and registered subject of the Czech National Bank. The Czech National Bank's license guarantees transparency, compliance with legal standards and a high level of professionalism.

 

  • Established: 2000
  • Number of employees: 28
  • Loan types: Mortgages / personal and business secured loans
  • Annual interest rate charged to debtors: 4,9 - 39 %
  • Total volume of loans: 484,7 mio CZK (2018)
  • Number of loans provided: 382 (2018)
  • Template of loan agreement (in Czech language), download here.
Bez Banky

BEZ BANKY s.r.o. specializes in short-term secured business loans. Its services are used by companies that need flexible resources to make a profitable contract and attractive business, or they have to react quickly to a current situation and cannot wait to settle their claim with a traditional lending provider. BEZ BANKY was established in 2010 and followed up on more than 15 years of history in providing secured loans against movable property. The company became part of the RENDIT investment fund in 2016. Secured loans are provided by BEZ BANKY primarily with property collateral up to 50% of the value. Most frequently terms range between 4 and 8 months of maturity.

 

  • Established: 2010
  • Number of employees: 5
  • Loan types: Bridging secured loans
  • Annual interest rate charged to debtors: 24-36 %
  • Total volume of loans: 121,5 mio CZK (2016), 342,5 mio CZK since est.
  • Number of loans provided: 103 (2016), 865 since est.
  • Template of loan agreement (in Czech language), download here.
BANKOMETR

BANKOMETR s.r.o. specializes in long-term secured business loans. Its services are used by companies that need easy and fast financing sources and cannot, or do not, want to wait to meet their demand with a traditional lending provider. BANKOMETR was established in 2010. The company became a part of RENDIT investment fund in 2016 and began to provide long-term loans to entrepreneurs and small and medium-sized companies. BANKOMETR has expanded the activities of its subsidiary BEZ BANKY, which specializes in short-term financing. Secured loans are provided by BANKOMETR primarily with property collateral up to 60% of the value.

 

  • Established: 2013
  • Number of employees: 5
  • Loan types: Long-term secured loans
  • Annual interest rate charged to debtors: 12-18 %
  • Total volume of loans: 64,7 mio CZK (2016)
  • Template of loan agreement (in Czech language), download here.
YARIS

YARIS s.r.o. is a Czech lending company providing short-term secured loans. The company is a part of IP Energo Holding and is in the loan business since 1999. Secured loans are provided by YARIS with property collateral up to 60% of its value. In case of higher amounts of the loans, the company concludes the transfer of ownership of the property contract with debtors.

 

  • Established: 1999
  • Number of employees: 5
  • Loan types: Short-term secured loans
  • Annual interest rate charged to debtors: 24-48%
  • Total volume of loans (since 2008): 419,33 mio CZK
  • Number of loans provided (since 2008): 559
MIKROKASA

MIKROKASA S.A. belongs to a leading group of non-banking loans providers in Poland. The company started in 2006 and in 2011 worked all around Poland. In 2013 the company received a prestigious prize „Firma przyjazna klientowi“, which is the highest award for client service. MIKROKASA S.A. specializes in providing of non secured loans from 1 000 PLN to 15 000 PLN for 12 till 30 months. On Bondster are offered with buyback guarantee. In 2017 the capital was 15,7 mil PLN, yield 17,5 mil PLN and profit 3,6 mil PLN.

 

  • Established: 2006
  • Loan types: Short-term unsecured loans
  • Total volume of loans (2017): 207 mio CZK
  • Number of loans provided (since 2013): 4 797
STIKCREDIT

STIK-CREDIT AD is an important provider of consumer loans in Bulgaria. The company started in 2013 and offers two types of products. One is a payday loan up to 400 levs and second is short term loan up to 12 months and to amount 1 500 levs. STIK-CREDIT is a registred loan provider controlled by Bulgarian national bank. During its existence provided over 18 000 loans in total amount over 130 mil Kč.

 

  • Established: 2013
  • Loan types: Short-term loans
  • Annual interest rate charged to debtors: 10-36%
  • Total volume of loans (since 2013): 130+ mio CZK
  • Number of loans provided (since 2013): 18 000+
Kviku

Kviku, a trademark of “AirLoans LLC”, is one of the leading online non-banking lenders in Russia. The company holds the microfinance license and is registered with the Russian National Bank. The company was established in 2013 and operates in Russia, Kazakhstan and Spain. The company offers virtual credit cards and POS (point of sale) loans to their clients, as well as installment loans (allowed only for regular clients). The average loan amount is USD 50 with repayment term of maximum 6 months. In 2018, Kviku reached the milestone of USD 20 mil. of issued loans. The company operates completely online and does not have any branches. All the loans on Bondster have a Buyback Guarantee.

 

  • Established: 2013
  • Number of employees: 32
  • Loan types: Short-term unsecured loans
  • Total volume of loans provided in 2018: EUR 20.5 mil.
Maxcredit

B&G Credit OOD operating under the trademark Maxcredit belongs to a top non-banking providers of unsecured loans in Bulgaria. The company specializes in providing personal loans in the amount from EUR 50 to 1,500 with the repayment term of maximum 12 months. The company was established in 2011 and since 2013 it has been operating also online. In 2015, the company implemented an automatic scoring system for assessing its clients and in 2017 it reached the milestone of 70,000 provided loans. The company has currently 27 branches across Bulgaria and plans to further extend its network in the upcoming years. The company is registered with the Bulgarian National Bank. All the loans provided by Maxcredit offered for investment on Bondster have a Buyback Guarantee.

 

  • Established: 2011
  • Number of employees: 150+
  • Loan types: Short term unsecured loans
  • Annual interest rate charged to debtors: 48 %
  • Total volume of loans in 2018: EUR 5,6 mil. 
  • Number of provided loans in 2018: over 19.000
LimeKredyt

Lime-Kredyt is a Polish company that belongs to the Russian group Lime Credit Group that was established in 2013 as a microfinance institution certified by the Russian Central Bank. The Group now provides loans under the trademark Lime also in Poland, South Africa and Mexico. Lime-Kredyt specializes in providing online short-term loans with maximum repayment term of 30 days and is planning to expand its product portfolio to installment loans with repayment term up to 1 year in 2019. The company uses a sophisticated automatic system that assesses data from several external sources and combines them with the data from the applications. In 2018, Lime-Kredyt provided more than 14 thousand loans in the overall amount of more than EUR 4 million.

 

  • Established:       2015
  • Number of employees:   20
  • Loan types:   PDL
  • Annual interest rate charged to debtors:  up to 600 % APR depending on loan term
  • Total volume of loans provided in 2018: EUR 4 mil. 
  • Number of loans provided in 2018:  14,899
Net Gotówka

Net Gotówka is a Polish non-banking provider registered in Polish Financial Supervision Authority in Lending Institution Registry. The company provides two types of loans PDL (Payday Loans) and STL (Short-term Loans) with maturity of 2-6 weeks and 3-12 months respectively. For PDL, the minimum amount of a loan is EUR 140, while the maximum is EUR 510 for new clients and EUR 815 for regular clients. For STL it varies from EUR 460 to EUR 930. The company has been operating since 2012 in the market and provides loans only online. The company has managed to build a customer base of 50,000 registered clients within past 7 years and has provided almost 15.000 loans. All loans from Net Gotówka are on Bondster offered with BuyBack guarantee.

 

  • Established:       2012
  • Number of employees: 7
  • Loan types: PDL and STL
  • Annual interest rate charged to debtors: 60,50 % - 257,40 %
  • Total volume of loans provided in 2018: EUR 1,2 mil.
  • Number of loans provided in 2018: 3,132
Omnigrant

Omnigrant, established in 2008, is a brand name that brings together 3 consumer lenders from Poland: Szybka Pozyczka, Szybka Pozyczka Polska and Szybka Pozyczka Artex. The group covers more than 80 cities in Poland and has 120 employees. It provides individuals with short-term unsecured consumer loans with an average tenor of 10 months and principal amount of EUR 70-700. The company minimizes the risk of non-payment by maintaining a regular personal contact with its clients. It currently has more than 30.000 customers. All loans are secured by a Buyback Guarantee.

 

  • Established: 2008
  • Number of employees: 120
  • Loans types: Short-term loans
  • Annual interest rate and other costs charged to debtors: 60 % 
  • Total volume of loans provided in 2018: 2 250 000 EUR
  • Number of loans provided in 2018: 12 851
Tez Lombard

Tez Lombard chain of pawnshops is one of the market leaders in Kazakhstan.
The main direction of work is consumer credit granting secured by property of borrowers, the development of the operating business. High level of financial services and individual approach to each client are main factors on which the company bases its work. Ensuring high quality and reliability of the company's financial services, a lot of customers prefer to apply on a continuous basis.
Tez Lombard provides its Bondster loans as perpetual loans with a maximum maturity of up to 1 year. The offer also includes a buyback guarantee.

 

  • Established: 2014
  • Number of employees: 50
  • Loans types: Customer secured loans
  • Rate of return: from 0,2 % per day
  • The value of the loan portfolio: 800 000 EUR

 

LIME LOANS SOUTH AFRICA
South African company Lime Loans South Africa (Lime Loans SA) belongs to the Russian group Lime Credit Group that was established in 2013 as a microfinance institution certified by the Russian Central Bank. The Group provides loans under the trademark Lime also in Poland and Mexico. Lime Loans SA was established in 2015, it has 10 employees and is seated in Johannesburg. The company provides short term consumer loans with the repayment term ranging from 5 to 35 days (payday loans) and the principal amount of EUR 20-300. The company is planning to expand its product portfolio and launch also the installment loans by the end of 2019. The company uses a sophisticated automatic system that assesses data from several external sources and combines them with the verified data from the applications and bank statements. In 2018, Lime Loans SA provided more than 22 thousand loans in the total amount of EUR 2,5 mil. The company grows fast, since beginning of 2019 until the end of May, it provided more than 19 thousand loans in the total amount of EUR 2 mil.

 

  • Established: 2015
  • Number of employees: 10
  • Loans types: PDL (maturity up to 35 days)
  • Effective interest rate charged to debtors: 270-1200 % p.a.
  • Total volume of loans provided in 2018: EUR 2,421,611
  • Number of loans provided in 2018: 22,286

 

Speed Cash

The Polish company Speed Cash was established in 2013 and since then has issued over 4000 loans. It offers its services through the network of approximately 800 agents. The loans are secured by real estate with the LTV at about 50 %. In 2018, the company held real estate worth almost CZK 1.8 billion and was employing over 30 people.

 

  • Established: 2013
  • Number of employees: 30
  • Loans types: Loans secured with real estate
  • Effective interest rate charged to debtors: 0 % p.a. - only provisions
  • Total volume of loans provided in 2018: 18 548 299,62 zł
  • Number of loans provided in 2018: 163

 

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