Finbee
Lithuanian P2P platform for consumer and business loans, local leader with secondary market and auto-invest.
Crowdscope score
Volume
130 M€
Investors
25k
2nd market
Yes
Auto-invest
Yes
Avg. duration
36 months
Default rate
3.2%
Score breakdown
Each criterion rated from 0 to 10 then weighted.
About Finbee
Overview of the platform, its framework and risk profile.
Established in 2015 in Vilnius, Lithuania, Finbee is not simply a peer-to-peer lending platform; it is a pioneering institution in the Baltic financial ecosystem. Operating under the watchful eye of the Bank of Lithuania, it benefits from one of the most protective and mature regulatory frameworks in Europe. Finbee distinguishes itself with a "hybrid" approach, financing both individuals' consumption dreams and small and medium-sized enterprises (SMEs)' growth ambitions. It is a platform that exudes stability, driven by a team that has navigated economic cycles with remarkable consistency.
The Risk Profile: The Art of Selection
Finbee's approach to risk is akin to "precision mechanics." Here, risk is not obscured by automatic buyback guarantees, often illusory in a systemic crisis; it is managed at the source through a credit analysis of rare stringency. Finbee favors raw transparency: the investor is directly linked to the borrower's repayment capacity. For business loans, the platform often strengthens its position with personal guarantees or collateral, transforming risk into a carefully weighed mathematical probability. This is the typical profile of a "Skin in the game" investment, where the platform systematically invests alongside its users.
The Investment Philosophy
Investing in Finbee means choosing "sovereign transparency." The platform is aimed at investors who refuse black boxes and wish to build a granular portfolio, loan by loan. In this universe, the return — often double-digit — is the fair remuneration of savings that finance the real economy. Risk is perceived as a controlled parameter, supported by a track record of over ten years, offering visibility that few competitors can claim.
- Headquarters: Vilnius, Lithuania.
- Legal Framework: Regulated by the Bank of Lithuania (Approved Crowdfunding Status).
- Assets: Personal loans (P2P) and business loans (P2B).
- Risk Structure: Diversified. Absence of a centralized buyback guarantee to prioritize higher interest rates and rigorous borrower selection.
- Vision: To create an ecosystem where every investment directly supports a life project or economic development.
"At Finbee, trust is not based on a buyback promise, but on ten years of transparency and credit analysis elevated to the rank of science."
Guarantees
- Fonds de provision
- Recouvrement
Conditions
- Minimum ticket
- 5 €
- Indicative yield
- 13%
- Average duration
- 36 months
- Status
- Bank of Lithuania
Warning
Investing carries a risk of partial or total capital loss. Displayed yields are indicative and not guaranteed.
Discover Finbee
Head to the official website to open an account and explore the investment opportunities offered by Finbee.
Crowdscope receives no commission from this platform — link provided for informational purposes. Investing involves a risk of capital loss.
Compare Finbee with similar platforms
Side-by-side comparisons on score, yield, guarantees, liquidity and regulation.
Finbee — frequently asked questions
Is Finbee a safe crowdlending platform?
Finbee scores 76/100 in the Crowdscope framework. It operates from Lithuania since 2015, under the Bank of Lithuania status, with a reported default rate of 3.2%. Loans are backed by: Fonds de provision, Recouvrement. No crowdlending platform is risk-free: capital is at risk and past performance does not predict future returns.
What return can you expect on Finbee?
The indicative yield advertised on Finbee is around 13% per year, before defaults, recovery delays and cash drag. The net return observed by investors is usually lower.
Does Finbee have a secondary market?
Yes, Finbee operates a secondary market, so positions can be listed for sale before maturity. Actual liquidity still depends on buyer demand and may require a discount.
What is the minimum investment on Finbee?
The minimum investment per loan on Finbee is 5 EUR, with an average duration of 36 months.
Is Finbee regulated?
Finbee operates under the Bank of Lithuania regime. ECSP means the platform holds the European Crowdfunding Service Provider licence supervised by a national regulator; other statuses indicate a national regime or the absence of a dedicated crowdfunding licence.
Last updated: · Reviewed by the Crowdscope editorial team