June 15, 2026 For investors

Stik Credit is one of the established non-bank financial institutions in its domestic market. Founded in 2013, the company is registered with the Bulgarian National Bank and has long focused on the digital provision of consumer loans. Its business model is built on a combination of a proprietary technology platform, automated underwriting, and data-driven risk management.

Strong Growth, Stable Profitability, and a Healthy Capital Position

The year 2025 marked another step forward in both growth and financial performance for Stik Credit. The company reported a loan portfolio of nearly BGN 33.338 million, representing a 4.56% increase compared to 2024. Other performance indicators are equally noteworthy: revenue from interest and fees reached BGN 40.695 million in 2025, up 22% year-on-year. The number of active clients exceeded 38,000.

Technology That Accelerates Loan Approval and Customer Service

One of the key drivers behind Stik Credit’s growth is its digital business model. The company operates its own IT platform and automated scoring system, enabling it to approve loans online and within a very short timeframe. Its product portfolio includes short-term payday loans, installment loans, and vehicle leasing. For new customers, Stik Credit offers benefits such as a 30-day repayment deferral on their first payday loan, electronic document signing, and a fully digital process from application submission to loan disbursement.

“Stik Credit works with a narrowly defined customer segment. It primarily targets digitally oriented consumers aged 20 to 45 who often lack significant savings or an extensive credit history but require quick and transparent access to financing. High customer loyalty is one of the company’s key strengths. The share of returning customers is approximately 70%,” says David Jukl, Managing Director of the Bondster platform.

Tiberus: A New Growth Branch Through Used Car Financing

In addition to consumer lending, the Stik Credit Group expanded its activities in 2024 with the launch of Tiberus, a product focused on financing the purchase of used vehicles. The company views this segment as another significant growth opportunity. Its business model is particularly interesting: customers are required to pay at least 30% of the vehicle price upfront, keeping the loan-to-value (LTV) ratio at 70% or below. The vehicle remains pledged as collateral until the loan is fully repaid.

Tiberus also operates in the segment of used vehicles older than five years, where competition is lower, while differentiating itself through the speed of loan processing. According to company materials, the standard vehicle registration process in Bulgaria takes approximately 10 business days, whereas Tiberus can deliver a fully registered vehicle within 24 hours. This is an interesting feature not only from a business perspective but also in terms of the company’s ability to scale new product lines.

Strong Foundations and an Extensive Partner Network

Stik Credit’s growth is driven not only by its digital approach but also by a strong distribution network. In Bulgaria, the company cooperates with offline partners and offers its services through more than 220 offices across the country. It also collaborates with leading local and international companies in the fields of payment services, fintech, and financing.

From an investor’s perspective, the company’s healthy liquidity position is equally important. At the end of 2024, Stik Credit held nearly BGN 13 million in cash and cash equivalents. According to its annual report, management plans to continue expanding primarily within the Bulgarian market while further optimizing its technology infrastructure. Financial results for 2025 will be available following the audited financial statements.

Why Stik Credit Is Attractive to Investors

Stik Credit is an example of a company that successfully combines growth, profitability, and technological readiness. On one hand, it has a rapidly growing loan portfolio, a strong customer base, and solid profitability. On the other hand, it relies on proprietary scoring models, automation, and a simple digital process, all of which are crucial competitive advantages in today’s lending industry.

For investors, this represents an attractive opportunity to participate in financing a provider with a long operating history, stable results, and further growth potential. This combination is precisely what makes Stik Credit a compelling addition to the Bondster marketplace.

Invest in Stik Credit loans by the end of June 2026 and receive 1% cashback. The promotion applies both to new deposits and to existing funds available in your Bondster account.

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Author: Bondster

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