April 30, 2026 For investors

The range of investment opportunities on the Bondster platform is being expanded by the Latvian fintech company Flexidea SIA. The provider focuses on invoice financing (factoring), a modern alternative to traditional bank factoring, and short-term working capital financing for small and medium-sized enterprises. For investors, Flexidea offers an attractive combination of fixed returns and very short maturities, typically ranging from one to three months.

The short-term nature of these investments is one of the key advantages of partnering with Flexidea. It allows investors to achieve faster capital turnover, more flexible reinvestment, and better liquidity management. In an environment where market conditions can change rapidly, this type of investment makes particular sense as a portfolio complement.

Digital model and data-driven approach

Founded in 2017, Flexidea has built its business on a fully digital and data-driven approach from the very beginning. Through its proprietary online platform, the company provides fast and efficient financing for businesses without unnecessary administrative burden. The approval process is largely automated and relies not only on external scoring but primarily on the analysis of clients’ real cash flows.

International growth and strong backing

Although Latvia remains Flexidea’s core market, the company has successfully expanded its operations to Estonia, Lithuania, and Poland. To date, it has financed invoices exceeding EUR 180 million and currently maintains an annual financing volume of around EUR 30 million.

Flexidea is owned by three Latvian investors and the Belgian impact fund Helenos Inpulse. As a socially driven company, it focuses on supporting SMEs, fostering their growth, and strengthening their financial stability.

New products and European recognition

In addition to invoice financing, Flexidea expanded its product portfolio in 2024 to include microloans. At the end of 2025, the company launched a loan program backed by the European Investment Fund (EIF), enabling it to finance businesses for which invoice financing may not be the optimal solution.

A significant milestone was also the award of the European Code of Good Conduct for Microcredit Provision by the European Commission. This recognition confirms that the company meets high standards in responsible lending, transparency, and governance.

“Flexidea brings a type of investment to Bondster that makes strong sense within a portfolio – short-term loans with fast capital turnover. For investors, this represents an attractive opportunity to diversify while maintaining flexibility. We also appreciate their data-driven approach to risk management, which is crucial in this segment,” says David Jukl from Bondster.

Financial performance and stability

Flexidea demonstrates stable financial performance. In 2025, it achieved revenues exceeding EUR 1.15 million and an EBIT of nearly EUR 719,000. Total assets amounted to EUR 6.6 million, with a capital ratio of 19%. The current portfolio size is approximately EUR 3.6 million, and the company retains a 10% share in the financed loans (skin in the game), thereby sharing risk alongside investors.

On Bondster, investors will be able to participate in short-term loans offering a fixed annual return of 8% in EUR. These investments are based on real business transactions between companies and their clients and represent an attractive complement to more traditional investment products. Through its cooperation with Flexidea, Bondster expands its offering with a segment that combines a modern fintech approach, data-driven risk management, and attractive investment parameters. For investors seeking short-term opportunities with fixed returns and active capital deployment, this represents a compelling way to further develop their portfolios.

INVEST

Author: redakce Bondster

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