Hive Finance Group
Hive Finance Group launches and operates lending companies across Europe, connecting them with investors through its Hive5 P2P marketplace. The group runs country-specific lending subsidiaries in Poland, Spain, and Romania, offering consumer and business loans while giving investors access to loan claims with buyback protection. The group has issued over €180 million in loans and paid €5.9 million in interest to more than 30,000 investors.
- Financial Technology
Funding
Founders
Founder details are not available yet.
Product
Problem
Traditional banks often fail to provide fast, accessible consumer financing, leaving many borrowers underserved across European markets. Lending companies entering new geographies face significant operational hurdles, including local regulatory compliance, credit risk management, and scaling infrastructure from the ground up.
Solution
Hive Finance Group launches and scales lending companies across Europe, combining deep local market knowledge with full operational ownership. The group operates through country-specific subsidiaries—Ekspres Pozyczka in Poland, Finjet in Spain, and Credilink in Romania—that offer consumer and business loans. Its Hive5 P2P marketplace enables individual investors to fund loans originated by these subsidiaries, creating a closed-loop funding ecosystem. The group leverages proprietary technology for underwriting, credit scoring, and portfolio management to deliver fast, simple financing solutions while maintaining transparency from loan origination through investor returns.
Target Audience
Primary customers are individual and institutional investors seeking attractive returns through P2P lending, as well as consumers and businesses across Poland, Spain, and Romania looking for accessible short-term financing alternatives.
Features
- Group operates three lending subsidiaries across Poland, Spain, and Romania, each with local regulatory compliance and market expertise
- Hive5 P2P marketplace connects individual investors directly with loan originations from group companies
- Over €180 million in issued loans and 250,600+ individual loans originated to date
- Consolidated financial reporting with audited statements published quarterly for investor transparency
- Group-level risk management led by specialists in credit risk, automated underwriting, and portfolio management
- Cross-market operational infrastructure supporting scalable growth across multiple European jurisdictions
- Buyback obligation on Hive5 loans: if a payment is more than 60 days overdue, the loan originator repurchases the claim with accrued interest