April 27, 2026

Flexidea is a digital financing provider focused on small and medium-sized enterprises in Latvia that have limited access to traditional bank loans. The company specializes in short-term working capital financing and factoring, typically with maturities of one to three months.
The entire process is fully online and based on data-driven decision-making. Flexidea combines external credit scoring (Creditreform), financial analysis, and detailed evaluation of banking transactions via PSD2 integration, with an emphasis on the client’s actual cash flow. Loan approval is largely automated using internal risk models and pricing matrices.
The company operates with an efficient and centralized organizational structure in which key functions are closely interconnected. This enables rapid decision-making, cost control, and consistent management of the loan portfolio, whose performance is continuously monitored using internal tools—including analysis of cash flow, client concentration, and other risk factors.
Behind every investment lies a real receivable—an invoice for goods or services already delivered—so the main collateral is the structure of the transaction itself, not just the provider’s own stake. Flexidea retains a 3% stake in the financed loans (skin in the game), thereby sharing the risk with investors and aligning its interests with theirs. Combined with short maturities, real-time risk management via PSD2, and a guarantee from the European Investment Fund (EIF) on part of the portfolio, this is a model where even a lower equity stake than in unsecured loans makes sense.
The business model targets a higher-yield segment (8% p.a. for investors on Bondster), while maintaining a strong focus on credit risk management.

---

Share the article

• Share on facebook
• Share on twitter