NordCard is a Latvian brand of Hedge Capital Company that has been offering revolving credit lines since 2016. Customers receive a reusable credit limit that can be accessed through a payment card, a transfer from online banking, or used for refinancing purposes. The official offering allows customers to apply for up to EUR 10,000.

The digital process includes identity verification, AML and KYC checks, internal credit scoring, and ongoing management of the available credit limit. In 2025, the loan portfolio exceeded EUR 7.1 million, net interest income reached EUR 1.35 million, and profit before tax amounted to EUR 600,000. The reported repayment rate was 91%.

The revolving credit product is not secured by a specific asset, and customers can reuse the repaid portion of their credit limit. As a result, risk is influenced not only by the initial approval process but also by subsequent changes in credit utilization and repayment behavior. NordCard finances 10% of each loan from its own funds and provides a buyback guarantee for investments offered on Bondster.

The current yield offered on Bondster ranges from 10.5% to 11% p.a.