European non-bank lenders

Lending Deposit gives you an overview of the size and likely future returns offered by co-investing with or lending to the leading European non-bank lenders (or balance sheet lenders), open to new investment capital.

European Balance Sheet Lenders

The following table gives an overview of the non-bank lending companies operating in the Eurozone

Your questions and feedback are welcome. For a further explanation of the table captions please see the Table Description at the bottom of the page.

Name Loan portfolio in € Expected return Loan types Borrower countries Active since Invest through
Aasa > 100 million 10-11% Consumer Poland, Sweden 2010 Mintos
GetBucks 50-100 million > 11% Consumer Poland, Botswana, Kenya, Zambia, South Africa 2011 Mintos & Viventor
Mogo 50-100 million > 11% Car, Consumer Estonia, Lithuania, Latvia, Poland, Romania, Bulgaria, Georgia, Moldova 2012 Mintos
Creditstar 50-100 million 10-11% Consumer Spain, Poland, Czech Republic, Finland, Estonia 2006 Mintos & Peerberry
ID Finance 50-100 million 10-11% Consumer Spain, Georgia, Kazakhstan 2012 Mintos
luteCredit 50-100 million 10-11% Consumer Alania, Moldova, Kosovo, FYR of Macedonia 2018 Mintos
Creamfinance 20-50 million > 11% Consumer Georgia, Czech Republic, Denmark, Latvia 2012 Mintos
ACEMA 20-50 million < 10% Mortgage Czech Republic 2001 Mintos & Viventor
Credissmio 20-50 million < 10% Consumer Bulgaria 2007 Mintos & Viventor
Placet Group 20-50 million < 10% Consumer Estonia, Lithuania 2005 Mintos
Fireof 20-50 million < 10% Mortgage Spain 2016 Mintos
Lendo 20-50 million > 11% Consumer Gorgia 2016 Mintos
EBV Finance 20-50 million < 10% Invoice Lithuania 2009 Mintos
Kuki.pl 20-50 million > 11% Consumer Poland 2017 Mintos
BB Finance Group 10-20 million < 10% Consumer Finland 2006 Mintos
LF TECH 10-20 million > 11% Consumer Kazakhstan 2012 Mintos
Banknote 10-20 million > 11% Consumer, Pawbroking Latvia 2009 Mintos
Extra Financa 10-20 million > 11% Mortgage Romania 2009 Mintos
Mozipo Group 10-20 million > 11% Consumer Lithuania, Romania, Denmark 2007 Mintos
VIZIA 10-20 million > 11% Consumer Latvia 2009 Mintos
Capital Service 10-20 million > 11% Consumer Poland 1999 Mintos
Cashwagon 10-20 million > 11% Consumer Philippines 2017 Mintos
Leaselink 10-20 million < 10% Business Poland 2015 Mintos
Varks.am > 11% Consumer Armenia 2016 Mintos
Aforti 10-20 million > 11% Business Poland 2009 Mintos & Viventor
Tengo.kz 10-20 million > 11% Consumer Kazakhstan 2017 Mintos
Dineo Credito 10-20 million 10-11% Consumer Spain 2014 Mintos
Credius 5-10 million 10-11% Consumer Romania 2013 Mintos
Invipay.com 5-10 million 10-11% Invoice Poland 2015 Mintos
Watu Credit 5-10 million 10-11% Car Kenya 2015 Mintos
ExpressCredit 5-10 million > 11% Consumer Botswana, Zambia 2015 Mintos
Hipocredit 5-10 million 10-11% Mortgage Latvia, Lithuania 2014 Mintos
Debifo 5-10 million > 11% Invoice Lithuania 2015 Mintos
Dozarplati 5-10 million > 11% Consumer, Business Russian Federation 2011 Mintos
5-10 million > 11% Consumer Latvia 2017 Mintos
Simbo.dk 5-10 million > 11% Consumer Denmark 2017 Mintos
Kviku 5-10 million > 11% Consumer Russian Federation 2013 Mintos & Viventor
CashCredit 5-10 million 10-11% Consumer Bulgaria 2011 Mintos
Capitalia 5-10 million > 11% Invoice, Business Latvia, Lithuania, Estonia 2007 Mintos
Kredit7 5-10 million Kazakhstan 2017 Peerberry
AgroCredit 5-10 million < 10% Business Latvia 2011 Mintos
First Finance 5-10 million Mortgage, Invoice, Business, Car loans Lithuania 2012 Lenndy
Lime Zaim 5-10 million > 11% Consumer Russian Federation 2013 Mintos
EcoFinance 5-10 million > 11% Consumer Russian Federation 2015 Mintos
Metrokredit 5-10 million > 11% Consumer Russian Federation 2017 Mintos
Rápido Finance < 5 million > 11% Consumer Spain 2017 Mintos
Peachy < 5 million > 11% Consumer United Kingdom 2010 Mintos
Sebo.md < 5 million > 11% Consumer Moldova 2017 Mintos
AlfaKredyt < 5 million 10-11% Consumer Poland 2013 Mintos
Monego < 5 million > 11% Consumer Kosovo 2018 Mintos
  • Aasa

    Aasa is one of the Eurozone’s largest non-bank balance sheet lending companies. The company has an underwriting track-record of over € 0.5 billion in loans issued and focuses its lending activity on Poland and Sweden. Investors can get exposure to Aasa issued loans through the marketplace lending platform Mintos.

Table description

  • Volume
    The Volume data given in the tables are either directly taken from the respective website or estimates from us if there is no data.
  • Restrictions
    Under “Restrictions” we evaluate the complications European investors face investing in the respective platform such as Currency risks, legal restrictions and the minimum investment size.
  • Expected annual return
    The given expected return is directly taken from the platforms websites; only in the case that there is not information provided do we estimate the number.ç
  • Type of loans
    Indicates the biggest group of loan types the respective platform deals with.