April 7, 2026 For investors

Investing in loans has become one of the key pillars of alternative investments, gaining increasing popularity in recent years. Investors are looking for stable returns, predictability, and products that make economic sense even in a changing environment. One of the providers that consistently meets these criteria is the Latvian company NordCard. On the Bondster platform, investors can participate in financing its loan portfolio and benefit from a combination of stable returns and a modern fintech approach.

A modern fintech with global reach

NordCard is a non-bank fintech company founded in 2016, specializing in providing credit products through payment cards and related financial services. Its products are designed to offer maximum flexibility in managing finances – from everyday payments and online shopping to ATM withdrawals. The NordCard payment card has undergone several development cycles and can now be used globally – with more than 32 million merchants and hundreds of thousands of ATMs worldwide. In addition, the company offers a credit line linked to a bank account, allowing clients to access funds without the need for a physical card. Thanks to digitalization and its own online banking system, clients have full control over their finances, contributing to transparency and efficient credit management.

Stable growth and portfolio performance

NordCard shows long-term growth, supported by solid financial indicators. The loan portfolio increased from approximately EUR 3.5 million in 2022 to over EUR 7.1 million in 2025, demonstrating stable expansion. At the same time, net interest income has grown to more than EUR 1.35 million. The company is profitable – in 2025, it achieved earnings before tax (EBT) of over EUR 600,000 and significantly improved its return on assets (ROA) to over 8%.

“Positive development is also evident in portfolio quality. The repayment rate reached 91% in 2025 and shows a long-term upward trend. The company maintains a stable liquidity position, with cash exceeding short-term liabilities, which is key for financial stability,” says David Jukl, CEO of Bondster.

Attractive returns up to 11.55% with regular investing

Investments in NordCard loans offer a fixed annual return of 10.5% for investments made by the end of April 2026. With regular investing through Bondster’s Investment Savings feature, returns can reach up to 11.55% annually. Regular investing is one of the key factors for long-term success. It helps diversify risk, manage cash flow more effectively, and maximize portfolio performance. Products like NordCard combine stable returns with simplicity and predictability.

INVEST

“NordCard offers flexible credit line solutions through a simple digital application process, combining convenient access to financing with clear terms and reliable customer service,” says Daniels Jukna, Board Member of NordCard.

Why include NordCard in your portfolio

Unlike stocks or cryptocurrencies, returns are not directly dependent on market price movements but are based on real lending activity and borrower repayments. NordCard investments are therefore attractive for investors looking for:

• regular cash flow
• stable and predictable returns
• portfolio deversification
• an alternative to traditional financial markets

Invest simply and efficiently

On Bondster, investors can invest in NordCard loans easily online, even with smaller amounts. Thanks to automation and regular investing, portfolios can be built gradually without active management. NordCard represents a combination of a modern fintech approach, attractive returns, and stability that investors increasingly seek today. Explore the current NordCard loan offers on Bondster and start investing today.

Author: Bondster

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