The platform operates in accordance with Federal Law No. 259-FZ dated 02.08.2019 and is registered in the register of investment platform operators of the Central Bank of Russia. The operator is Potok.Digital LLC. Since 2016, more than 34 billion ₽ in loans have been issued, and more than 3.5 billion ₽ in income has been paid to investors. The platform serves over 182,000 investors and has evaluated more than 410,000 companies.
For investors
- Yield: from 24.3% per annum.
- Minimum investment: from 400 ₽.
- Project types: short-term loans to small and medium-sized businesses, including marketplace sellers and participants in public procurement.
- Functionality: ability to sell the portfolio on the secondary market, auto-investing, integration with 1C for personal income tax accounting.
- Scoring: proprietary π-score system based on artificial intelligence for borrower assessment.
- Regulation: activities are regulated by the Central Bank of the Russian Federation.
For borrowers
- Loan amount: from 5,000 ₽ to 25 million ₽.
- Loan terms: from 1 to 24 months.
- Interest rate: from 1.85% per month (individual, depends on the borrower's rating).
- Loan purposes: working capital, inventory purchase, refinancing, execution of government contracts.
- Process: online application, decision within 24 hours, funds transferred to the settlement account.
- Features: "Deferred payment loan" option for up to 3 months, integration with 1C.
Similar innovation and technology infrastructure facilities
