Loan Originators

Learn more about the Loan Originators offering their loans for investments on Viventor marketplace.

Credissimo

Credissimo is a consumer loan provider from Bulgaria, also operating in Macedonia and Poland. Credissimo offers loans of up to EUR 1’250 for a period of up to 24 months. Since inception in 2007, the company has issued over 280’000 loans with total worth of more than 84 Million Euros.

Buyback Guarantee: 60 days, covers Principal and Interest
Interest rate offered: 10%-11% per annum 
Skin in the game: 5%

Twinero

Twinero is a short-term consumer loan provider operating in Spain. Established in 2012, the company offers loans of up to EUR 600 for a period of up to 30 days. Since inception, the company has issued more than 125’000 loans, amounting up to over EUR 35 Million.


Buyback Guarantee:
60 days, covers Principal and Interest
Interest rate offered: 10%-12% per annum (after Tax)
Skin in the game: 5%

Atlantis Financiers

Atlantis Financiers is a Dutch invoice financing company that operates in the Netherlands and Belgium. The company offers invoice factoring of up to EUR 30’000 and 120 credit days for SMEs in the region. Since the company started operating in 2013, Atlantis Financiers has refinanced over EUR 20 Million worth of invoices, providing financing solutions to more than 2’500 businesses in the region.

Buyback Guarantee: 90 days, covers Principal and Interest
Interest rate offered: 6-14% per annum
Skin in the game: 5%
Guarantee: Private shareholder’s guarantee

SMScredit.lt

SMScredit.lt is a consumer loan provider in Lithuania, offering short term financing of up to 750 Euros for a period of up to 30 days. Being a part of 4Finance Group, an international leader in consumer lending, SMScredit.lt holds a strong and leading position in the Lithuanian market. The company has been operating in Lithuania since 2012, having lent over 50 Million Euros to more than 140’000 customers.


Buyback Guarantee:
60 days, covers Principal and Interest
Interest rate offered: 12% per annum 
Skin in the game: 5%

Lenno

Lenno is a Bulgarian lender that provides loans secured by real estate collateral to both private individuals and businesses. Established in 2012 as TNK Capital Management JSC, the company has issued almost EUR 7 Million worth of loans to borrowers in Bulgaria. Since the second half of 2017, Lenno has started to enter Polish, Czech and Russian markets.


Buyback Guarantee:
60 days, covers Principal and Interest
Interest rate offered: 7-10% per annum (after Tax)
Skin in the game: 5%
Guarantee: Private shareholder’s guarantee

Seymoure

Seymoure is a non-bank lender specialised in asset-backed loan underwriting in the Spanish market. Established in 2014, Seymoure has lent over EUR 20 Million worth of loans, secured against properties, taxi licences, commercial licences and other assets. The company mainly operates through offline acquisition channels, as well as collaborates with various brokers and individual professionals. Seymoure is a part of Prestamos Prima Group.

Buyback Guarantee: 60 days, covers Principal and Interest. Also loans without Buyback offered
Interest rate offered: 6-9% per annum (after Tax)
Skin in the game: 5%

Aforti Finance

Aforti Finance is one of the leading small and medium size business loan providers in Poland. Aforti Finance offers loans ranging from EUR 2000 to EUR 50’000 for a period up to 24 months. Aforti Finance is part of the AFORTI Holding Group – a rapidly growing financial services provider listed on the Warsaw Stock Exchange since 2011. Apart from lending activities, AFORTI offers entrepreneurs a full-featured currency exchange platform Aforti Exchange, debt collection services of Aforti Collections, and factoring services. Current year results show that Group’s consolidated revenues for three quarter period amounts to EUR 29 Million with a net profit of EUR 267 thousand, whereas total asset value exceeds EUR 17.5 Million. Since the beginning of its operations Aforti Finance has granted loans worth EUR 8.5 Million.

Buyback Guarantee: 60 days, covers Principal and Interest
Interest rate offered: 7-12% per annum 
Skin in the game: 5%
Guarantee: Holding company’s guarantee

Presto

Presto is a line of credit provider from Spain. Launched in Q3 2017, the company is a pioneer among non-bank lenders, being one of the first companies to offer credit line solution to consumers in Spain. Powered by Prestamos Prima and Finstar Financial Group, it provides credit limit up to EUR 2’000 for a period of 4 years.

Payment Guarantee
Interest rate offered: 10-12% per annum (after Tax)
Skin in the game: 5%

GetBucks

GetBucks is a secured consumer loan provider from Kenya. The company offers loans ranging from EUR 500 to EUR 50’000 for a period of up to 6 years. It is a part of MyBucks, a Frankfurt-listed fintech company operating in 13 countries worldwide. Operating 4 banks and 9 microfinance institutions that offer loan, banking and insurance products, the company has issued almost EUR 400 million worth of loans and established itself as a major player among fintech companies. 

Buyback Guarantee: 60 days, covers Principal and Interest
Interest rate offered: 12% per annum 
Skin in the game: 5%
Guarantee: Holding company’s guarantee

Sofia Commerce Pawnshops

Sofia Commerce Pawnshops is a non-bank lender specialized in asset-backed lending in Bulgaria and neighboring countries. Established in 1993, it currently operates 130 pawnshops in Bulgaria and Macedonia. Over the years, Sofcom has maintained stable profitability with profit per share of BGN 42.7 in 2016 and BGN 55.4 in 2015. Sofia Commerce pawnshops is the only pawnshop chain that has been listed on Bulgarian Stock Exchange (BSE code: 6SOA).

Buyback Guarantee: 60 days, covers Principal and Interest.
Interest rate offered: 7-10% per annum 
Skin in the game: 5%

Stik Credit

Stik Credit is a consumer loan provider from Bulgaria. The company offers short term and medium-term loans starting from EUR 50 to EUR 2’500 for a period of up to 24 months. Since inception in 2013, Stik Credit has issued over 18’000 loans with total worth of more than EUR 5’000’000.

Buyback Guarantee: 60 days, covers Principal and Interest.
Interest rate offered: 10-13% per annum 
Skin in the game: 5%

Aforti Factor

Aforti Factor offers invoice financing for small and medium enterprises in Poland. The company is part of Aforti Holding, a rapidly growing financial services provider listed on the Warsaw Stock Exchange. Established in January, 2018 the company has already serviced more than EUR 1’500’000 worth of invoices. 

Buyback Guarantee: 60 days, covers Principal and Interest.
Interest rate offered: 11-12% per annum 
Skin in the game: 5%
Guarantee: Holding company’s guarantee

Kreditu Centras

Established in 2009, Kreditu Centras is one of the first consumer lenders in Lithuania. The company offers consumer loans from EUR 100 to EUR 2’000 with a term from 3 to 36 months. Currently Kreditu Centras services more than 20’000 clients a year, with the outstanding loan portfolio of around EUR 1’600’000.

Buyback Guarantee: 60 days, covers Principal and Interest.
Interest rate offered: 9-11% per annum 
Skin in the game: 5%