The platform operates on a crowdlending model, connecting investors and borrowers for joint financing of business projects. Loans are provided without collateral or guarantors, requiring a minimal set of documents.
For investors
- Yield: from 21% to 35% per annum.
- Average actual yield (XIRR): 23.3% over the last 12 months.
- Investment terms: from 6 to 12 months.
- Project types: short-term loans for small and medium-sized businesses, including marketplace sellers.
- Process: fully online using a qualified electronic signature.
- Regulation: activities are regulated by Federal Law No. 259-FZ dated 02.08.2019.
For borrowers
- Loan amount: from 500,000 to 15,000,000 rubles.
- Loan terms: 3, 6, 9, or 12 months.
- Interest rate: from 21% to 35% per annum.
- Borrower requirements: Individual Entrepreneurs or LLCs with a monthly turnover of at least 500,000 ₽, operating for at least 6 months, and being tax residents of the Russian Federation.
- Loan purposes: working capital replenishment, purchase of goods, business development.
- Process: fast online registration with a minimal package of documents (passport, bank statement for 12 months, tax return).
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