Finfield –
Invest to Grow

FinField is been designed to offer an efficient and cutting-edge way to invest across the market of alternative lending for retail investors. Our business model is designed to ensure reducing investor risk, administrative burden and improving transparency.

Our goal is to empower people to earn by simplifying and democratizing investment tools. Our mission is to improve people’s financial education and make investing available to anyone.

FinField is also been designed to serve the full spectrum of investment opportunities. Due to the multi-server platform construction, we can serve any type of investment – peer to peer lending, equity crowdfunding, initial coin offerings, multi-asset management. The machine learning functionality we’ve built into the platform’s backend gives it the power to make automated recommendations that helps to reach the optimal decisions. Furthermore, all data transmitted through FinField is 100% secure.

FinField is guided by a team of dedicated and experienced professionals with more than 70 years of combined experience in financial sector, IT and a passion for designing and delivering simple, accessible investments opportunities.

Peer to peer lending

Peer-to-peer lending, also abbreviated as P2P lending, is the practice of lending money to individuals or businesses through online services that match lenders with borrowers. Peer-to-peer lending companies often offer their services online.

Equity Crowdfunding

Real estate investing involves the purchase, ownership, management, rental and/or sale of real estate for profit. Improvement of realty property as part of a real estate investment strategy is generally considered to be a sub-specialty of real estate investing called real estate development.

Multi-Asset Management

Crowdfunding is the practice of funding a project or venture by raising small amounts of money from a large number of people, typically via the Internet. Crowdfunding is a form of crowdsourcing and alternative finance.

Initial Coin Offering (ICO)

An initial coin offering or initial currency offering is a type of funding using cryptocurrencies. It is often a form of crowdfunding, however a private ICOs which does not seek public investment is also possible.

Donation

Peer-to-peer computing or networking is a distributed application architecture that partitions tasks or workloads between peers. Peers are equally privileged, equipotent participants in the application. They are said to form a peer-to-peer network of nodes.

Company
Milestones

  • Web platform fully development

  • FIU permission

  • A nominee account

  • 5m EUR offer

  • 1000+ registrations

  • 500+ active investors

  • 1m EUR investments

  • 10+ loan originators

  • Credit Facilitation licence

8501€m
Total transaction value in the Alternative Lending segment amounts to €8,559.7m in 2020.
9304€m
Total transaction value is expected to show an annual growth rate (CAGR 2020-2023) of 3.0% resulting in the total amount of €9,351.6m by 2023.
1120€m
The market's largest segment is Crowdlending (Business) with a total transaction value of €5,793.9m in 2020.

Highest Cumulated Transaction Value

From a global comparison perspective, it is shown that the highest cumulated transaction value is reached in China (€235,388m in 2020).

Insufficient Government Regulation

One of the most predominant challenges for alternative lending is insufficient government regulation, meaning that governments either allow platforms to function in a legal grey area partly beyond regulation, or ban such activities altogether.

100% guaranteed financing

Faster and without paperwork. We finance all the key moments of your company’s life.

Market size and future development

With a global transaction value of about US$220.9 billion in 2018, the Alternative Lending segment is the third biggest segment within the FinTech market.

From an international perspective, comparing the three major regions U.S., China and Europe, the size of the Chinese Alternative Lending market is remarkable. With a transaction value of US$178.9 billion, China accounts for 83% of the global Alternative Lending transaction value in 2018. The major share of this transaction value is contributed by Crowdlending, which amounted to US$126.9 billion in 2018. Thedemand of China’s SMEs for loans cannot be fully covered by the traditional financial sector.

The U.S. is the second biggest region with a transaction value of US$31.5 billion in 2018. However, compared to the overall U.S. credit market, this figure is still rather low, and the Alternative Lending market accounts for only a tiny share of the overall financial sector.

Europe shows a considerably smaller transaction value of US$7.5 billion in 2018. The trust in the traditional financial sector is still high in Europe and the interest rates are quite low. This deprives Alternative Lending models of mass market adoption.

Thanks to continuous high growth rates through to 2023, the global Alternative Lending transaction value is expected to reach US$390.6 by the same year, and again that the major share of this growth is contributed by China, which will account for a global market share of 87% by 2023.

Our Dedicated Team

Eduard Appens

CEO

PhD Degree in Economics,
MBA in Business,
Bachelor in IT sector

Toomas Taro

CTO

MBA in Business,
Bachelor in IT sector

Bonameus

Legal/AML

bonameus.com

Our goal is to empower people to earn by simplifying and democratizing investment tools.

Take Your Next Step

Tell us about your company and your project. We’ll tell you how much you can borrow with us.