The company ACEMA Credit Czech, a.s. is a licensed lender that has been operating on the Czech market since the year 2000. Acema has served over 18,000 clients so far, to whom it provided loans exceeding 6.5 billion Czech crowns. Today, ACEMA is one of the biggest non-bank lenders on the Czech market.

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

Advanto is an HR-FinTech app, providing employee benefit of early earned wage access (EWA). As a leading player in Central Europe, Advanto operates in the Czech Republic, Poland and Slovakia. In 2023, more than 50,000 employees had access to Advanto, and the average frequency of withdrawals through Advanto is one every three minutes, while the monthly total of withdrawals is rising significantly each month.

The user can withdraw part of his wage ahead of time via Advanto, and the amount withdrawn will then be deducted from the wage, eliminating the credit risk of the user for Advanto. This setting makes Advanto focus on the risk of clients – the companies Advanto users work for and since Advanto only cooperates with well-credit-rated companies, the write-offs have accounted only for 0.01% of all funding provided.

Selected loans with verified clients are made available to investors on the Bondster marketplace by Advanto, which also guarantees a buyback in the event of repayment troubles.

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.

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.

CFIG Credit a.s. can be considered a modern company with the characteristics of a fintech start-up. It provides loans completely online, while its processes are automated with human control. The company operates within the CFIG financial and investment group, which consists of 10 companies and thus has a wide and diversified range of business activities. CFIG Credit offers investors on the Bondster marketplace selected loans with verified clients, guaranteeing a buyback in case of repayment problems.

CrediFace Perú SAC is a Peruvian Fintech with more than 6 years in the  market, it owns the CrediFace and ValeCash brands in Perú and CrediOne in Mexico.

CrediFace finances Consumer loans to Individuals with tickets from USD$300 to USD$5,000 on average for terms of up to 18 months, focusing on Underbanked Dependent segments, with sustained growth characterized by a very low Default ratios (9% to 10%) and good management of the product’s profitability, having overcome the Covid crisis without major inconveniences.

CrediFace’s target market is underbanked customers, who have banking products but are poorly served. We serve Dependent and Independent clients as long as they do not have negative records in the Credit Bureau. Our process is 100% Online to a single signature, making the volume and  scalability necessary for the business to be profitable.

CrediFace was born with the slogan of having a gradual Growth prioritizing the quality of the Portfolio, being very careful in the  evaluation maintaining an approval ratio of 8% approx. Its evaluation process contains algorithms that detect indebtedness, payment  behavior and other indicators that make it possible to have a robust portfolio against any external agent.

Thanks to our technology aimed at taking care of the portfolio, we maintain a Delinquency ratio of approximately 10% (out of 100  disbursed clients, only 10 exceed 30 days in arrears), well below other Fintechs. Our growth is sustained closing 2021 with Revenues  of USD 478 thousand and this 2022 is projected to exceed USD 700 thousand. Profitability is measured by the Balance Due/Income  ratio resulting in 19% (only 19% Income will cover Delinquencies), this indicator being a maximum of 30% in traditional Banking.

Creditero is a Spanish online lending platform launch in January 2021, part of financial group MV Finance LTD- leader in the subprime lending sector in South-East Europe with strong international presence in Bulgaria, Romania, Macedonia, Bosna and Herzegovina, Moldova and Mexico.

Creditero says: „Our experienced team, combined with our advanced technology and comprehensive focus on risk management and regulatory compliance, positions us as market leaders. We are committed to sustainable growth and long-term value creation for our investors, backed with group MV Finance LTD guaranty on our exposure to investors.
The online lending market is constantly evolving, and with our vision and adaptability, we are prepared to capitalize on opportunities and face challenges.“

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.

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.