Loan providers

Who are the loan providers?

In Bondster, we do not provide the loans ourselves. We are an online platform that offers verified and secured loans for investment from partner non-banking companies from all over the world. We carefully verify and regularly monitor these companies to make sure they meet our high stability and quality criteria.

Bondster thus only offers loans from verified providers which have also undergone a thorough approval process on the provider’s part. Therefore, investors do not have to worry about searching for information about the borrowers – it has been done by the providers’ and Bondster’s experts for them.

List of providers

Provider
Country
Types of loans
Rating

Ing. Lukáš Zaňák

Ing. Lukáš Zaňák
Chairman of the Board

ACEMA Credit Czech, a.s. has been operating on the Czech credit market since 2000. It 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 secured non-bank loans on the Czech market. Acema’s fiscal year ends on March 31. The legal obligation to publish annual reports 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 with the Czech National Bank. The Czech National Bank’s license guarantees transparency, compliance with legal standards and a high level of professionalism.

ACEMA provides loans secured by real estate but also by a personal guarantee, i.e. Business Invest loans, which offer higher returns.


Documents to download

Visit the company's website


Alende Holdings is a Estonian company that provides funding to regulated credit and microfinance institutions in developing markets as a means to help promote financial inclusion. Alende B2B loans support individual and SME loans with amounts ranging between EUR 100-10,000, and tenors between 1- 36 months. Alende is in the process of acquiring 2 credit institutions that are expected to join the Bondster platform in the future. All loans offered by Alende on Bondster include a buyback guarantee.


Documents to download

Visit the company's website

Rokas Ignotas

Rokas Ignotas
CEO

Autofino is a secured financing provider which offers long-term second-hand car leasing services for individuals and small businesses with a possibility to buy the vehicle at any point. The company maintains the ownership of the vehicle, and by doing so, it secures the loan in case the borrower fails to make repayments. A typical vehicle is 10+ years old with an average price of €3,500 which makes it liquid and depreciate slowly. Such business model is less risky than standard loans and enables to target client groups with limited access to traditional financial services. Autofino focuses on people with income from abroad, sole proprietors and small businesses, among other clients. The company is structured in a lean and efficient manner by standardizing and automating all its major operations to minimize costs and reduce human error. It was founded and broke even in 2018 with its profitability growing further in 2019 and 2020. Autofino sees strong demand for its services and offers attractive high-return investment opportunities with a buy back guarantee to finance its portfolio growth.


Documents to download

Visit the company's website

Petr Vencálek

Petr Vencálek
CEO

BEZ BANKY s.r.o. specializes in short-term secured business loans. Its services are used by companies that need flexible funding to make a profitable contract or close an or close an attractive deal, or they have to react quickly to arising changes and cannot wait for their request to be processed by a traditional lender. BEZ BANKY was established in 2010 and followed up on more than 15 years of history in providing loans secured by a movable property. The company became part of the RENDIT investment fund in 2016. Secured loans are provided by BEZ BANKY and usually require a real estate to be pledged. The funding provided is up to 50% of the collateral and the typical maturity is between 4 to 8 months.


Documents to download

Visit the company's website

Roman Musalimov

Roman Musalimov
CEO

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 amounts range from CZK 500 to CZK 20,000.


Documents to download

Visit the company's website

Zhang Jinghua

Zhang Jinghua
CEO DanaRupiah

Established in August 2017, DanaRupiah has been at the frontier of innovation in the fintech industry through the utilization of technologies such as data mining and artificial intelligence. By providing unsecured credit services to local blue-and-white-collar workers, it has become one of the leading non-bank fintech lending companies in Indonesia with more than USD 740 million of cumulative loan disbursement, 7 million registered users. As a global company, the company’ group level has a presence in numerous countries around the world including Singapore, Indonesia, Vietnam, The Philippines, Russia, India, Kenya, Nigeria and Mexico. The company employs more than 1500 employees globally. Danarupiah has very robust risk control Model which activates Anti-Fraud Systems which is able to identify the slightest fraud that can potentially happen. We also uses Big Data and Prediction Model which classify any possible transaction risk. Our Automatic Learning System activates machine learning which accumulates information and improves the automated review and approval rules.


Documents to download

Visit the company's website

Vilis Juzāns

Vilis Juzāns
CEO EUROlombard

EUROlombard (EL Capital LLC) is a FinTech company launched in 2016 offering short-term loans to individuals for everyday needs secured by precious metals, electronics, household goods, and vehicles. Short-term loans are available for up to 30 days with a one-time repayment and extension option, as well as for up to 12 months with a monthly annuity repayment schedule.

EUROlombard is the leading pawn shop product on the Belarusian microfinance market in terms of convenience, reliability, transparency, and innovation. The services are offered in the 24 largest cities across Belarus, covering a population of over 5.6 million people. Loans are offered in 11 branches of EUROlombard, as well as in 26 branches of partner companies. In 2020, the company issued 40 thousand loans for 1.5 million euros totaling over 5 million euros since the foundation. The client base numbers over 30 thousand people. The founders of the business are shareholders of DelfinGroup, established in 2009, which is an employer for 300 professionals in 92 locations and 38 cities in Latvia, occupying 35% of the pawnshop services market.

EUROlombard is represented on the Bondster marketplace by the Latvian parent company EL Capital LLC.


Documents to download

Visit the company's website

Alex Melis

Alex Melis
CEO

Ibancar World is a Spanish provider established in 2014. Ibancar´s product is unique in the country because its 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 of up to €6,000 from 12 to 36 months. Since its inception, the company has issued loans worth over €3,500,000, and in February 2021 Ibancar reached the milestone of €250,000 issued loans per month. Ibancar offered its class A securities to angel investors and raised €1.5m in 2020.

Investors can visit Ibancar World’s transparent website where they can always find up-to-date information about the company’s current performance: https://p2p.ibancar.com/


Documents to download

Visit the company's website

Svetoslav Angelov

Svetoslav Angelov
CEO ITF

ITF Group JSC has been registered with the Bulgarian National Bank as a non-bank financial lender since 2013 and 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 and GetCash, specialized in providing consumer loans of up to €2,500 through its nationwide office network. ITF Group has developed and continues developing its proprietary platform, which features  comprehensive technological solutions for risk-assessment, customer support, issuing loans and accepting related payments, including Business Intelligence tools. ITF Group. has been registered with the Bulgarian National Bank since the beginning of its operations. All loans on Bondster are secured by a buyback guarantee.


Documents to download

Visit the company's website

Juan Esteban Saldarriaga

Juan Esteban Saldarriaga
CEO Juancho Te Presta

Colombian company Juancho Te Presta SAS was established in 2019 and addresses the needs of thousands of middle-class employees and gig workers, who have been under-served by Colombian banks or turned to loan sharks to borrow money. Theompany provides instalment loans for up to 2 times the salary/income with a maturity of up to 24 months. Juancho Te Presta uses its own fine-tuned credit algorithms to minimize delays in the lending process but maintains a thorough KYC. They were the 1st fintech in the country to use video streaming for checking the identity of its customers and employ bank screen scraping tools to assess and validate its customers. The company was also the 1st fintech in the market to have a product tailored for women, with special scorecards for a better assessment of their risks and setting the price accordingly. Juancho Te Presta uses alternative data from the social security system and other databases which enables it to filter 4 out of 5  applications that fail to meet its standards. Since its launch in December 2019, the company has issued more than 10,000 loans worth over 4m usd, processed over 100 thousand applications and has more than 100 thousand visits to its website every month. The team is comprised of over 20 professionals with rich experience in retail, fintech and finance. Through its partnership with Rapicredit.com (leading short-term lender in Colombia with more than 750 thousand issued loans), Juancho Te Presta shares experience, processes and best practices. The company is based in Medellin.


Documents to download

Visit the company's website

You might like

Investment marketplace Bondster is run by a team of professionals with experience in both finance and P2B investing (we also take care of the investment marketplace www.pujcmefirme.cz for example). We are well aware of the lack of quality investment opportunities on the market, which is why we have created an innovative online investment marketplace tailored to a wide range of investors. They can thus very easily and without a deep understanding of the financial markets invest in the opportunities we offer. You can learn more in the “About us” section.

The company is owned by CEP Invest Private Equity. A strategic partner of the project is ACEMA Credit Czech, a.s.

Bondster makes investing quick and easy and thus enables investors to diversify their portfolios. Another feature that makes it unique is the possibility to invest in loans secured by a lien on real estate and movables. Unlike other marketplaces, Bondster offers a buyback guarantee for selected loans to protect investments in case the borrower defaults. These methods of hedging significantly reduce investment risk. On top of that, the management of the investor account is very simple and user-friendly.

For each investment made, you will receive a Contract for the Assignment of a Claim, which includes an overview of receivables with the parameters of the investment.

Other frequently asked questions
Do you need advice? Contact us

Ready to make money?

Create an account and take control of your money