Credissimo

About Us

Headquartered in Malta, with $17 million in revenue and $6.7 million in EBITDA, Credissimo is the leading FinTech consumer lending company in Central and Eastern Europe (CEE), which is rapidly expanding around the world. Daughter companies of the group include subsidiaries in Bulgaria, Poland, Spain, Romania, and Macedonia. At the beginning of 2018, a subsidiary was registered in Colombia with the group’s aim to initiate consecutive coverage of the entire South-American market. A final subsidiary provides personal vehicle sale-leaseback (reverse leasing) services. At the heart of Credissimo’s unique operating model is its sophisticated proprietary IT platform, which incorporates instant online loan approval, risk management, and collection algorithms. The system is optimized to operate in any country, regulatory environment, language, and currency, and is readily available to support the company’s global expansion. Below please find a summary of introductory key points related to this investment opportunity: -- A leading Fintech provider of instant, online consumer loans in the range EUR100-EUR1,300 with up to 24-month loan terms; -- Headquartered in Malta, the company has been serving millions of loan transactions to customers over a period of 11+ years; -- In compliance with non-banking financial regulations in every market of operations. During its nearly 12-year history, Credissimo has relied on organic growth through aggressive retaining of earnings into its loan portfolio and without the use of any debt capital. The proprietary loan portfolio is already insufficient to support effectively the customer demand and international expansion. The company's shareholders are currently considering to sell up to a 70% equity stake to a prominent new partner, which could provide the necessary additional funding for the continuous growth of the lending operations and the effective harnessing of customer demand in current and new markets around the world.

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