Loan providers | Bondster

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 2019, the company issued almost 400 loans totaling 449 million. Currently, ACEMA is one of the most significant providers of non-bank secured loans on the Czech market. Acema's fiscal year ends March 31. The legal obligation to publish the annual report according to the Czech law falls to September 30.

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.

 

  • www.acema.cz
  • Established: 2000
  • Number of employees: 25
  • Loan types: Mortgages / personal and business secured loans
  • Annual interest rate charged to debtors: 6,4 - 39 %
  • Total volume of loans: 449 mio CZK (2019)
  • Number of loans provided: 400 (2019)
  • 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.

 

  • www.bezbanky.cz
  • Established: 2010
  • Number of employees: 5
  • Loan types: Bridging secured loans
  • Annual interest rate charged to debtors: 24 %
  • Total volume of loans: 170 mio CZK (2019), 500 mio CZK since est.
  • Number of loans provided: 110 (2019), 1116 since est.
  • Template of loan agreement (in Czech language), download here.
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 registered loan provider controlled by Bulgarian national bank. During its existence provided over 18 000 loans in total amount over 130 mil Kč.

STIK-CREDIT transparency page where investors can always check up-to-date information about the current company performance: https://stikcredit.com/

 

  • www.stikcredit.com
  • 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.

 

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




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.

 

  • www.lombard.kz
  • 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.

 

  • www.lime24.co.za
  • 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

 

CREDITGO

Emma’s Credit, which operates under the trade name CreditGO, is a Czech provider of short-term, single payment non-bank loans. The company was founded in 2014 and is authorized to operate as a non-bank consumer credit provider. It provides loans in CZK with an average maturity of 18 days. Loan principals range from CZK 500 to CZK 20,000.

 

  • www.creditgo.cz
  • Established: 2014
  • Number of employees: 22
  • Loan types: Short - term non - purpose loans
  • Annual interest rate charged to borrowers: 36%
  • Total volume of provided loans: 66.9 million CZK (for 2018)
  • Number of provided loans: more than 9 thousand (for 2018)
RIGHTCHOICE

Singaporean Right Choice Capital Pte Ltd and its wholly owned Filipino subsidiary Right Choice Finance Corporation (RCF) have been operating as licensed lenders since 2016. The company is a premier provider of business and consumer salary loans through a business platform that combines its financing products, HR and digital banking software. RCF also provides commercial vehicle loans to ride-hailing drivers to help address the transport challenges in the Philippines. RCF is a fully licensed finance company regulated by the Securities and Exchange Commission of the Philippines..

 

  • www.rightchoicefinance.ph
  • Year of establishment: 2016
  • Number of employees: 85
  • Loan type: personal and business secured and unsecured loans, car loans, foreign-worker loans
  • Annual interest rate charged to debtors: 24-60%
  • Total volume of granted loans: 12.05 m EUR
  • Number of provided loans: more than 3000
LimeMX

Lime MX, a subsidiary of Lime Credit Group, is a Mexican non-banking loan originator, which has been operating since 2018. It provides on-line payday and installment loans. Lime MX is a stable and successful provider. Besides having successfully launched subsidiaries in South Africa, it is planned to soon expand to Vietnam, Hong Kong, Spain and Brazil. The loans, which will be listed on Bondster, will be offered with a Buyback guarantee by the Mexican branch. Due to company´s relatively short history, and in case it is not able to meet its liabilities, the mother company Lime Credit Group will warrant it.

 

  • www.lime24.mx
  • Established: 2018
  • Number of employees: 18
  • Loans types: unsecured payday loans
  • Effective interest rate charged to debtors: 720 % p.a.
  • Total volume of loans provided in 2019: EUR 1,3
  • Number of loans provided in 2018: 17,467 (November 2019)
LIMEZAIM

Lime Zaim is a Russian non-banking provider of installment and payday loans. It is a part of Lime Credit Group (LCG), same as its sister companies Lime SA and Lime MX, which also offer loans for investment on Bondster. The loans are offered with a buyback guarantee, and in case Lime Zaim is not able to meet its liabilities, the mother company Lime Credit Group will warrant it.

 

  • www.lime-zaim.ru
  • Established: 2013
  • Number of employees: 175
  • Loans types: Unsecured installment loans
  • Effective interest rate charged to debtors: 251 - 574 % p.a.
  • Total volume of loans provided in 2018: EUR 39M.
  • Number of loans provided in 2018: 297 760 (November 2019)
RapiCredit

Colombian company Rapicredit.com (Compañía de Créditos Rápidos SAS) was established in 2014 as Colombia´s 2nd online lender in the small loans space. Owned by Credimax LLC - a US enterprise, Rapicredit originates financial products online, aimed at the entire general public, promoting access to credit lines to drive financial inclusion but focused in Colombia´s middle class (aprox 20M) that has been underserved by traditional financial institutions. The company is based out of Bogotá, but has R&D team in Medellin, today employees more than 81 direct employees and more than 30 indirect positions. The company provides short term consumer loans with the repayment term ranging from 5 to 150 days (short term loans) and principal amount EUR 20-300. The company is planning to expand its product portfolio and launch also the installment loans by mid 2020. 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 credit bureaus and social security databases. In 2019, Rapicredit provided more than 276 thousand loans in the total amount of EUR 18.7millions. The company is doubling each year since its launch in April 2014 reaching half a million loans in the total amount of EUR +40 million by December 2019.

 

  • www.rapicredit.com
  • Established: 2014
  • Number of employees: 81
  • Loan types: short term loans - 30 day loans plus up to 4 consecutive extensions. Very soon, installment loans up to 6 months.
  • Annual interest rate charged to debtors: 25 % p.a.
  • Total volume of loans: EUR 18,730,285 (2019)
  • Number of loans provided: 276,189 (2019)
Ibancar

Ibancar World is a Spanish provider established in 2014. Ibancar´s product is unique in the country, since the loans are secured by the borrower´s car, which can be used by its owner before the loan is repaid, and only serves as a guarantee in case the borrower stops repaying the loan. Ibancar offers short-term loans in size of up to € 6,000 for 12 to 36 months. Since its inception, the company has issued loans in the amount of € 2,000,000, and in October 2019 Ibancar reached the milestone of € 95,000 issued loans per month.

Ibancar World transparency page where investors can always check up-to-date information about the current company performance: https://p2p.ibancar.com/

 

  • www.ibancar.com
  • Year of establishment: 2014
  • Number of employees: 14
  • Loan type: Consumer loans secured by vehicles
  • Annual interest rate charged to debtors: 40-60 % p.a.
  • Total volume of granted loans (since 2014): € 2,600,000
  • Total volume of granted loans (in 2019): € 884,509
  • Number of loans provided (since 2014): 850+
  • Number of loans provided in 2019: 295
ITF Group

ITF Group JSC is registered with the Bulgarian National Bank as a non-bank financial institution in 2013. The Company operates exclusively on the Bulgarian market. To date, the company has developed two brands: SmileCredit - specialized in providing online consumer loans of up to €750. GetCash - specialized in providing consumer loans of up to €2500 through its nationwide office network. The Company has developed and continues to invest intensively in improving its proprietary platform, which features a complete technological solution in risk-assessment, customer support, credit, and collection department operations support and BI. ITF Group Ltd. is registered with Bulgarian National Bank since the beginning of its operations. All the loans on Bondster have a Buyback Guarantee.

 

  • www.itfgroupbg.com
  • Year of establishment: 2013
  • Number of employees: 56
  • Loan type: Short term consumer loans
  • Annual interest rate charged to debtors: 41 % p.a.
  • Total volume of granted loans (since 2013): € 29+ Mio.
  • Number of loans provided (since 2013): 132k. +
Juancho Te Presta

Colombian company Juancho Te Presta SAS was established in 2019 addressing the need of thousands of middle-class employees and gig workers, who have been under-served by Colombian banks or served by informal shark loans. Company provides installment loans for up to 2x salary/income with tenures up to 24 months. Juancho Te Presta have fine-tuned their credit algorithms to minimize friction but maintaining a thorough KYC and were the 1st fintech in said country to use electronic video streaming biometric and “bank scrapping capabilities” to assess and validate its customers. They were are also the 1st fintech in the market to have a product tailored for women, with special scorecards to better understand their risks and price accordingly. Juancho Te Presta uses alternative data from social security and other databases to correctly approve 1 out 5 applications. Since the launch in December 2019, the company has issued more than 2.000 loans, processed more than 50K applications and has more than 50K visitors on their website every month. The team is comprised of +20 professionals with ample experience in retail, fintech and finance. Thru partnership with Rapicredit.com (leading short-term lender in Colombia with more than 750k given loans), they share experiences, processes and best practices. The company is based out of Medellin.

 

  • www.juanchotepresta.com
  • Year of establishment: 2019
  • Number of employees: 20 +
  • Loan type: Instalment loans for up to 2x salary/income with tenures up to 24 months
  • Annual interest rate charged to debtors: 26.5 % p.a.
  • Number of loans provided (since 2019): 2 000 +
TengeDa

Company MFO "Dengi Govoryat" with "TengeDa" brand name is a member of Silkway Group, a fast-growing fintech operating in Kazakhstan. We are on a mission to boost responsible lending through technology-enabled products and user-centric approach. We created an ecosystem which offers a better way for users to access credit than any other single lender can offer. Our Prodengi.kz marketplace connects consumers with multiple banks and alternative lenders including our own. Unlike traditional online lenders, we offer our loan products amongst others on the same platform - transparently and with no extra charges. The company started its way in 2010 as a financial price comparison website and over the years grew to become a diversified business with 2 revenue streams: balance sheet lending and commission based revenue. We have 100+ employees, 2,5 mln users, $5mln loan portfolio and created $150 mln in loan originations for other lenders. Our newly established lender TengeDa was created to meet the regulatory requirements introduced in Kazakhstan in 2020.

 

  • tengeda.kz
  • Year of establishment: 2019 (as the Group in 2010)
  • Number of employees: 89
  • Short term consumer loans
  • Annual interest rate charged to debtors: 30 % p.a.