Profitable and safe investmentsin the oldest MFK
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About our company
Finbridge group1 is a group of companies united by the common participant. The goal of the group is to expand the variety of financial products: providing the population with microloans, online loan service, small business loans, car-pledge online loans, and investment attraction in accordance with the federal law of Russian Federation.
1Finbridge group includes the following microloan companies: MKK Scorefin LLC, MKK MSB Online LLC, Microloan company of multipurpose financing LLC, MKK Elvas LLC, MFK New Financing LLC.
2According to ranking "NRA" and "Ekspert RA"
Since 2010
Launched in Russia
> 1,5 billion rubles
Total portfolio
> 300
Offices in Russia
> 1 500
Members in staff
TOP 3
By loan volume and portfolio2
5,5 billion rubles
Loan volume in 2019
> 600K
Loans per year
3
Countries
Igor Vishnyakov
Managing PartnerIt all started back in 2010 when a group of partners established a microloan company. At that time the microloan market was at its dawn in Russia. In a few month the business model was designed, the strategy was determined, and the goals and the mission were set. In the first year alone 40 offices were opened.
The business fundamentals that were accepted while creating the Finbridge company proved to be effective. During 10 years of performance the regional company turned into a national one and provides its services all over Russia.
The Structure Of Our Loans
Total amount of loans given in 2019 by Finbridge Group
623K
Total loan sum in 2019 given by Finbridge Group
5,5 billion
Dengi srazu is the largest national microfinancial company with 300 offices in 160 cities in Russia and over 700 thousand clients.
Lemon.online is a loan service for small businesses. It gives loans to individual entrepreneurs all over Russia without any pledge or guarantors. The borrowed money is transferred to any bank account.
Autonomy is a service that helps in getting urgent financial support in a form of a car-pledge microloan transferred to a bank card.
Oneclickmoney is an organization that gives microloans from 500 to 30 000 rubles for up to 21 days.
- Total amount of loans means all the microloans (cumulative number) given by all the participants of the company group according to the accounting report in 2019.
- Total loan sum in 2019 means cumulative sum of all the loans given by all the participants of the company group according to the accounting report in 2019.
Development strategy
- Annual increase in numbers of the given loans by 30-40% per year.
- Besides the payday loans (PDL) we are planning to increase the amount of medium-term loans (IL) given for the period of more than 30 days or exceeding 30K rubles.
- Placing stock bonds at the Moscow Exchange.
- Issuing car-ledge loans online without visiting the office.
- Launching new international projects.
The strategy of the Finbridge company states the continuous development of its business in Russia.
Since 2019 the financial group Finbridge has actively attracted private investors offering them investments starting at 1.5 million rubles for the minimum period of 1 year and 21% interest rate.
*Fundraising is carried out by "MKF NOVOE FINANSIROVANIE" LLC in strict accordance with applicable law.
How Finbridge Group gets its income
- Individuals and legal entities place their money into Finbridge Group, and thus they become its investors.
- Individuals and legal entities get loans from Finbridge group and become its borrowers.
- The borrowers pay off the money back to Finbridge group and the interest.
- The Finbridge group uses the interest received from the borrowers to pay the investors.
Our scoring system is one of the best systems on the market.
It ensures minimal risks and a high rate of the loan repayment.
The difference between the interest received and the interest paid makes the income part of the Finbridge Group.
High profitability of "MFK NOVOE FINANSIROVANIE" LLC investments can be explained by following facts
"MFK NOVOE FINANSIROVANIE" LLC, unlike the banks, does not depend on the key rate when attracting the clients’ investments
Net profitability of the loan is between 35% and 60% with the average period of turnover 120 days
The microfinancial profitability is higher than the bank one due to the loan business model
Finbridge group conducts business on the financial market in accordance with the laws of the Russian Federation and the requirements of the controlling organizations
№ 151-FL from 02.07.2010 “On microfinancial activity and microfinancial organizations”
№ 209-FL “On development of small and medium business in the Russian Federation”
№ 218-FL “On credit history”
№ 353-FL “On a consumer loan”
Operational business of the Finbridge company is controlled by the Central Bank of the Russian Federation and Rosinfomonitoring.
Every year we file audited financial report to the Central Bank of the Russian Federation.
Audited reportsFinbridge Group has all the necessary permits for conducting business on the microfinancial market:
We are a member of the largest self-regulatory organization SRO Edinstvo
Certificate SRO MFO Edinstvo
Download pdf | 310kb
Certificate of entry in the Unified State Register of Microfinancial organizations
Download pdf | 2.2Mb
Registered in the Central Bank of the Russian Federation since 2016
Download pdf | 531kb
Finbridge Group is the partner of the big banks listed as the most important banks in Russia according to the Central Bank of the Russian Federation
Media about us
19.11.2019
In 2016 Finbridge was accredited as microfinancial company, and in 2019 we present an opportunity for private investors to invest their money with 21% interest rate. The interest is paid monthly and can be transferred to any bank account. If necessary the money can be withdrawn ahead of schedule.
Read the full article
04.12.2019
Mechanics of investing is the following. Individuals and entities place their money into the microfinancial organization, thus becoming its investors. The money received from the investors are issued to the borrowers in different forms of microloans - Installment loan, PDL and others.
Read the full article
16.12.2019
Since 2019 financial group Finbridge attracts private investments, offering deposits starting at 1.5 million rubles for minimum 1 year with 18-21% interest rate. The high interest rate is provided due to high profitability of the business model of the microfinancial company.
Read the full article*Information provided in relation to "MFK NOVOE FINANSIROVANIE" LLC
Interest rates
Placement period
From 1 year to 2 years
12-23 months
From 2 years to 3 years
24-35 months
From 3 years
36 months and more
Monthly interest payment
18%
19%
20%
Interest payment in the end of placement period
19%
20%
21%
Profitability calculator
Investments sum
Placement period
Income
1 200 000 rubles
Investment
3 000 000 rubles
Monthly income
50 000 rubles
Estimated rate is given before tax. Savings and interest are placed and paid in rubles, but the rates depend on the official currency course of the Central Bank of the Russian Federation. They are not deposits accepted by credit organizations and are not insured in the system of obligatory deposit insurance for individuals on the banks of the Russian Federation.
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Microfinance sector development in Russia
The current economic situation in the country encourages individuals and small businesses to take loans.
Commercial banks provide more complex requirements for giving loans, so the amount of the loans
given by the microfinancial companies is increasing steadily. The speed of growth of microfinancial
market is higher than at the bank market.
According to the Central Bank statistics data in the second quarter of 2019 microfinancial organizations gave 103 billion rubles in loans, 90% of which were given to individuals. In general the microloan market increased by 9% in comparison with the previous period. Average sum of the loan given to individuals was 10.8 thousand rubles, to entities – 1.2 million rubles, to individual entrepreneurs – 0.95 million rubles.
Central Bank analysts notice that total net profit of microfinancial organizations at the end of the first half year 2019 increased more than twice in comparison with the same period of the previous year and was 7.1 billion rubles. The capital of the microfinancial organizations increased by 25% and was 95 billion rubles by the end of the quarter.
According to review made by the Central Bank of the Russian Federation in September 2019, in the second quarter of 2019 microfinancial organizations attracted investments in amount of 21.7 billion rubles. This is the maximum amount in the last few years. In the first half year 1.7 thousand of individuals and entrepreneurs decided to invest in microfinancial organizations. The average sum of investment is 4.5 million rubles. The part of entities’ investments increased significantly comparing to the previous quarter.
In general the microfinancial market dynamics demonstrates a stable growth which continues for the first half year of 2019. It is represented in the amount of the given loans and their total sum, as well as in the sum of investments to the microfinancial organizations with the highest point of 21.7 billion rubles.
Company group indicators
Given, million of rubles
1469
Income, million of rubles
992
EBITDA, million of rubles
The indicator characterizes financial efficiency. For a stable and developing company, it is positive and growing in dynamics.
223
*Cumulative data from all companies if the Finbridge group in accordance with the audited report.
FAQ
Why does Finbridge Group attract private investments?
The company demonstrates the continuous growth and development of new projects. Attracting private investments allows the company to grow quicker and produce additional income.
Why does Finbridge Group pay high interest?
Long-term profitable relationships with our clients are more important than one- time super high profit. We give our investors an opportunity to make constant passive income like we do.
The reasons for high investment rates in Finbridge Group:- Microfinancial organizations do not depend on the key rate when attracting clients’ investments, unlike the banks.
- Microfinancial profitability is higher than the banks one because of their business model.
- Net profit from a loan is between 35% and 60% with an average turnover period of 120 days.
Are investments in Finbridge Group insured?
No. The investments are not insured in any insurance company and are not insured separately. Finbridged Group is not included in the system of investment insurance.
What methods do you use to protect the investments?- Diversification – we use different ways of conducting business to make profit and minimize risks.
- Scoring system – our scoring system is the best on the market and allows to consider many factors when evaluating the borrower.
- Reserve fund – creating the reserve fund in time for all business lines in accordance with the Central Bank requirements.
- Membership in SRO Edinstvo – following the laws and the act of the Russian Federation.
Is it possible to withdraw ahead of schedule?
Yes, according to the contract, you can withdraw the investments ahead of schedule.
Is income from the investments taxable?
Yes. 13% of individuals income are paid by Finbridge Group which acts as an agent. Legal entities are tax-free.
How and where can I sign the contract?
The contract of investment can be signed in the Finbridge group office or in any place convenient for you.
What documents do I need to sign the contract?
Passport
Ruble account details where interest will be transferred to
Ruble account details where interest will be transferred to
How is interest paid?
The interest is transferred to the account mentioned in the contract, monthly.
Are there any additional commissions?
There are no additional commissions. The Finbridge Group compensates for the transfer commission from its bank. When the company pays the interest and returns the loan it pays the commission.
How can I learn the contract details?
General conditions of the loan can be found on our site.
All condition may also be discussed individually on the phone
8 800 551 3686.Why is minimal invested restricted to 1.5 million rubles?
This is the threshold established by law which is controlled not by Finbridge Group but microfinancial market regulator.
Didn't find the answer to your question?
Documents
Recommendations for protecting information from the effects of program codes
Download pdf | 186Kb
General information on the conditions of microloans and borrowed
Download pdf | 147Kb
Instruction on registration of the appeal in "MKF NOVOE FINANSIROVANIE" LLC
Download pdf | 307Kb
Basic SRO standard for MFOs
Download pdf | 462Kb
MFO certificate
Download pdf | 2.2Mb
List of Affiliates
Download pdf | 392Kb
Personal Data Processing Policy
Download pdf | 2.5Mb
Rules for fundraising
Download pdf | 324 Kb
The scheme of interaction with persons that have a significant impact on decisions
Download pdf | 185Kb
Having signed the contract you are able to
- Withdraw all the investment sum and the interest ahead of schedule
- Prolong the contract
Payment order
- Wire transfer to any bank account
- Monthly or in the end of placement period
4 easy steps to make income
Contacts
Address
Moscow, Nizhniy Susalnyy pereulok 5, BC "Arma"
Phone
+7 800 551-36-86
Email
hello@finbridge.io