Finbee
Finbee is a Bank of Lithuania-regulated peer-to-peer lending platform founded in 2015 in Vilnius that connects individual borrowers and SMEs with retail and institutional investors, serving as Lithuania's #1 P2P lender with €201.6M+ in cumulative originations across 33,000+ investors and 54,000+ borrowers.
- Company typePrivate
- Founded2015
- HeadquartersVilnius, Lithuania
- Headcount11–50
- GTM typeB2B and B2C
- OfferingServices
What Finbee does
Finbee is a Vilnius-headquartered peer-to-peer lending and crowdfunding platform founded in 2015 by Darius Noreika, operating under Bank of Lithuania supervision across three regulated entities: UAB Finansų bitė (consumer credit), UAB Finansų bitė verslui (SME crowdfunding), and UAB Elektroninių pinigų bitė (in-house electronic money institution). The platform connects Lithuanian retail borrowers and SMEs with retail and institutional investors, intermediating both consumer loans (€1K-€10K range, starting from 7% annual interest, up to 120-month terms) and SME loans (up to €800K with ILTE portfolio guarantees), including state-subsidized variants such as Avietė and EU-supported programs under EaSI/InvestEU. Since inception the platform has originated over €201.6 million in loans across 33,158 investors and 54,013 borrowers and currently processes approximately €200 million in annual combined origination volume across both consumer and SME segments.
Finbee runs the full loan lifecycle in-house — origination, credit evaluation, servicing, and debt collection — and operates its own payment infrastructure via the electronic money institution, eliminating third-party servicing dependencies. Platform features include AutoLend automated portfolio construction for investors, a secondary market for trading loan parts (>€400K turnover in Q1 2024), and a referral program offering 1%/1.5% bonuses. Distribution is exclusively digital self-service through finbee.lt and p2p.finbee.lt, with no physical branches. Revenue is generated through a blend of transaction-based fees (contract administration fees 0.7-4.2% of loan amount, monthly administration fees 0.12-0.41%, credit evaluation fees €20) and an interest rate spread between borrower interest rates and investor returns (currently 13.5% pre-tax consumer / 11.5% SME for investors).
The company has been EBITDA-profitable since 2017, generating over €1M EBITDA in 2023, and has raised approximately €40M across two recent institutional rounds — €35M from Pollen Street Capital in July 2024 for the SME division and €5M from Tesonet in March 2026 (18.52% stake at €27M post-money valuation) earmarked for technology scaling and international expansion into Poland and additional European markets. Finbee is positioned as the #1 P2P lending platform in Lithuania by 2025 loan origination volume and holds European Commission certification under the Code of Good Conduct for Microcredit Providers.
Finbee firmographics
Firmographics- Name
- Finbee
- Legal name
- UAB "Finansų bitė"
- Website
- https://finbee.lt
- Company type
- Private
- Founded year
- 2015
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Finbee is a Bank of Lithuania-regulated peer-to-peer lending platform founded in 2015 in Vilnius that connects individual borrowers and SMEs with retail and institutional investors, serving as Lithuania's #1 P2P lender with €201.6M+ in cumulative originations across 33,000+ investors and 54,000+ borrowers.
- Ownership category
- akta.pro rank
Finbee industry classification
Industry- Product category
- Peer-to-Peer Lending
- NAICS
- Nondepository Credit Intermediation (5222), Mortgage and Nonmortgage Loan Brokers (52231), Credit Intermediation and Related Activities (522)
- SIC
- Loan Brokers (6163), Personal Credit Institutions (6141), Short-Term Business Credit Institutions (6153)
- akta.pro primary industry
- SME Term Loans & Growth Capital (FSAKAGAB)
- akta.pro secondary industries
- SME Business Lending (Term Loans, Lines of Credit, Overdrafts) (FSABABAB), Pricing, Risk-Based Offer & Limit Management (FSAGAHAE)
Keywords
Where Finbee is headquartered
LocationHeadquarters
- HQ city
- Vilnius
- HQ country
- Lithuania
- HQ region
- Europe
Offices1 record
Markets served
Finbee business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure
Revenue model
- Borrower Loan Fees: One-time contract administration fees ranging from 0.7% to 4.2% of loan amount (minimum 150 EUR for business loans); monthly administration fees from 0.12% to 0.41%; interest income from loan spreads
- Consumer Loan Fees: One-time contract formation fee (4%); monthly administration fee (0.37%); credit evaluation fee (20 EUR); interest rate spread generating revenue from borrowers
- Investor Account Fees: Monthly investor account fee of 1 EUR; new investors receive a 6-month free trial; secondary market seller fees appear to not be charged
- Interest Rate Spread: Revenue generated from the spread between interest rates charged to borrowers and returns paid to investors on P2P loans
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Monthly | Consumer loans (Vartojimo paskola) with interest rates from 7% annually, up to 120-month terms |
| Transaction based/ take rate | Monthly | Business loans (Verslui) with flexible terms and state-supported financing options |
| Subscription | Monthly | Investor account fee - monthly subscription |
| Other | Pay-as-you-go | Referral bonuses for investor acquisition |
Go-to-market motion2 records
Distribution channels5 records
Marketing channels5 records
Finbee product offering
Product offeringCore offering
Finbee operates a regulated Lithuanian peer-to-peer lending and crowdfunding marketplace that connects individual borrowers and SMEs with retail and institutional investors. Its core offerings include consumer loans under the "Medus" brand and business loans through "Finbee Verslui," supplemented by government-backed programs such as Avietė (ILTE-funded), ILTE Portfolio Guarantees, and EU-supported SME loans. The platform manages the full loan cycle in-house, processes payments through its own electronic money institution, and is supervised by the Bank of Lithuania under three licenses.
Product overview
Finbee operates as a Lithuanian peer-to-peer lending and crowdfunding platform with two primary products: consumer loans under the 'Medus' (Honey) brand and business loans through 'Finbee Verslui'. The consumer P2P lending product allows individuals to borrow from retail investors at competitive rates for various personal purposes. The business crowdfunding platform serves SMEs with working capital, growth financing, and equipment loans. Finbee also administers government-supported programs including 'Avietė' (ILTE-funded SME loans), ILTE Portfolio Guarantees, and EU-supported loans (EaSI/InvestEU). Platform features include a secondary market for loan trading and AutoLend automated investing portfolio. The platform connects borrowers directly with investors, bypassing traditional banking intermediaries.
Differentiator
Problem solved
Functional benefit
Brands
- Finbee Verslui: Business loans and crowdfunding platform for SMEs
- Vartojimo paskola „Medus"
- Avietė
- AutoLend
Products and services
- Vartojimo paskola „Medus" (Consumer Loan "Honey")
Quantifiable outcome
- TOP1 peer-to-peer lending platform in Lithuania by 2025 loan origination volume
- +4 more outcomes
Companies that use Finbee
Customer profileNamed customers10 records
Segments4 records
Ideal customer profiles3 records
Finbee technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature3 records
Finbee partnerships and signals
Strategic signalPartnerships
Two partnerships are on record, tiered core.
- AS Citadele banka (Lithuanian Branch)coreCitadele banka serves as the banking partner for payment processing. Receiver bank for Finbee customer deposits and withdrawals. SWIFT: INDULT2X. All financial transactions between investors and borrowers are processed through this banking partner.
- Bank of LithuaniacoreBank of Lithuania is the regulatory supervisor of Finbee's activities. Finbee holds three licenses under LB supervision: consumer credit provider/P2P lending operator, ECSP for businesses, and electronic money institution.
Scale indicators14 records
Recent moves7 records
Expansion highlights6 records
Finbee competitors and assessment
Company assessmentBroad incumbents
- Funding Circle: UK-listed SME lending marketplace — the established European benchmark for P2P SME lending with institutional securitization capabilities and far larger scale; comparable business model and SME target segment.
Direct peers
- Twino: Latvian P2P consumer lending marketplace with cross-border operations — directly comparable consumer loan product, retail investor base, and Baltic-headquartered operations.
- Mintos: Latvia-headquartered P2P lending marketplace operating across Europe with similar consumer and SME loan origination, secondary market, and regulated structure — directly comparable in product and customer base.
- Bondora: Estonian P2P consumer lending platform with similar retail-investor funding model, automated portfolio (Auto Invest), and Baltic market focus — competes head-to-head for both Lithuanian investors and borrowers.
- HeavyFinance: Lithuanian/EU fintech specializing in SME and agricultural lending through a marketplace model with institutional co-investment — directly comparable SME crowdfunding focus and Lithuanian operational base.
- EstateGuru: European P2P/crowdfunding platform headquartered in Estonia covering Baltic and wider EU markets with a marketplace lender model — comparable in cross-border EU P2P expansion playbook.
Others
- European Investment Fund (EIF): Counterparty and guarantor rather than competitor — provides €19M of guarantee capacity to Finbee Verslui and similar SME platforms, shaping the EU policy and capital framework in which Finbee operates.
Emerging players
- Debitum Network: Latvian P2P/crowdfunding platform for SME lending using blockchain-based loan tokenization — comparable SME loan focus and Baltic origins, but smaller scale and more experimental technology stack.
- Robo.cash: European P2P consumer loan marketplace operating across multiple EU countries with automated investing features — overlaps Finbee's consumer loan product and AutoLend-style automation.
Regional players
- Companisto: Germany's leading equity and silent-participation crowdfunding platform — comparable two-sided marketplace for SMEs raising capital from retail investors, though primarily equity rather than debt.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat6 records
Key risks6 records
Key highlights7 records
Customer concentration
Finbee social profiles
Digital presenceFinbee compliance and trust
Trust signalCompliance3 records
Finbee financial estimates
Financial estimateRevenue estimate
Valuation estimate
Finbee leadership team
Management profileNumber of profiles
Profiles4 records
Finbee subsidiaries and ownership
Company hierarchySubsidiaries2 records
Finbee funding detail
Funding detailFunding overview
Funding rounds2 records
Investors2 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Finbee M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Finbee
What does Finbee do?
Finbee operates a regulated Lithuanian peer-to-peer lending and crowdfunding marketplace that connects individual borrowers and SMEs with retail and institutional investors. Its core offerings include consumer loans under the "Medus" brand and business loans through "Finbee Verslui," supplemented by government-backed programs such as Avietė (ILTE-funded), ILTE Portfolio Guarantees, and EU-supported SME loans. The platform manages the full loan cycle in-house, processes payments through its own electronic money institution, and is supervised by the Bank of Lithuania under three licenses.
Is Finbee a public or private company?
Finbee is a private company. It is classified as venture growth investor backed and is currently operating.
When was Finbee founded?
Finbee was founded in 2015. It employs 11 to 50 people.
Where is Finbee based?
Finbee is headquartered in Vilnius, Lithuania, in the Europe region.
How does Finbee make money?
Four revenue lines are on record. Borrower Loan Fees are the primary driver. The others are consumer Loan Fees, investor Account Fees and interest Rate Spread.
Who are Finbee's main competitors?
Funding Circle is listed as a broad incumbent. Direct peers are Twino, Mintos, Bondora, HeavyFinance and EstateGuru. European Investment Fund (EIF) is listed as an others. Emerging players are Debitum Network and Robo.cash. Companisto is listed as a regional player.
Does Finbee have an API?
No public API is recorded for Finbee.
What industry is Finbee in?
Finbee's product category is Peer-to-Peer Lending. Its primary akta.pro industry code is FSAKAGAB, SME Term Loans & Growth Capital, with a secondary code of FSABABAB, SME Business Lending (Term Loans, Lines of Credit, Overdrafts). Its NAICS code is 5222 and its SIC code is 6163.