Savy
Savy is a Bank of Lithuania-supervised peer-to-peer lending marketplace connecting individual borrowers, SMEs, and real estate developers with retail investors, offering consumer, business, mortgage, and real estate development loans under EU Regulation 2020/1503.
- Company typePrivate
- Founded2014
- HeadquartersVilnius, Lithuania
- Headcount11–50
- GTM typeB2B and B2C
- OfferingServices
What Savy does
Savy (legal entity UAB Bendras finansavimas) is a peer-to-peer lending and crowdfunding marketplace founded in 2014 in Vilnius, Lithuania, operating under Bank of Lithuania supervision in accordance with EU Regulation (EU) 2020/1503. The two-sided platform connects individual borrowers, small and medium-sized enterprises (SMEs), and real estate developers seeking financing with retail investors seeking yield. Since inception, Savy has facilitated over EUR 180 million in cumulative loan originations across 40,000+ loans and built an active investor community of 18,000+ participants, and has paid out more than EUR 27 million in interest to investors.
The platform offers consumer loans (EUR 300-EUR 35,000, terms of 3 months to 10 years, rates from 6%), business loans (up to EUR 200,000, rates from 8%) including a state-supported variant through a partnership with national development bank ILTE, mortgage-secured loans (up to EUR 200,000), and real estate development loans. Core technology includes auto-investment profiles that automate capital deployment against investor-defined criteria, a secondary market for trading loan investments prior to maturity, an investor protection fund, and a tiered loyalty program. Risk and compliance infrastructure integrates Creditinfo Lietuva and Scorify for credit scoring, Okredo for business underwriting, and Ondato for KYC/identity verification, with payments processed through Paysera. Mobile applications are available on iOS and Android, and the company's own funds co-invest in each loan alongside external investors.
Savy generates revenue through (1) a one-time origination intermediation fee of 1.40% of loan amount, (2) a recurring monthly intermediation fee of 0.22% of outstanding balance, (3) interest earned on the platform's own capital co-invested in loans, and (4) commissions on payment protection insurance (6.67% of monthly installment) distributed through ADB Compensa Vienna Insurance Group. Distribution combines a self-serve website and mobile app, a network of 16 licensed consumer credit intermediaries, earned media partnerships with Delfi and Verslo žinios, SEO via Market Rats, and a referral program offering up to EUR 1,000 to both referrer and referee. Geographic operations are confined to Lithuania, with consumer loans restricted to Lithuanian citizens or residents and business loans to legal entities registered in Lithuania.
Savy firmographics
Firmographics- Name
- Savy
- Legal name
- UAB Bendras finansavimas
- Website
- https://gosavy.com
- Company type
- Private
- Founded year
- 2014
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Savy is a Bank of Lithuania-supervised peer-to-peer lending marketplace connecting individual borrowers, SMEs, and real estate developers with retail investors, offering consumer, business, mortgage, and real estate development loans under EU Regulation 2020/1503.
- Ownership category
- akta.pro rank
Savy industry classification
Industry- Product category
- Peer-to-Peer Lending Marketplace
- NAICS
- Mortgage and Nonmortgage Loan Brokers (52231), Consumer Lending (522291), Nondepository Credit Intermediation (5222)
- SIC
- Loan Brokers (6163), Personal Credit Institutions (6141)
- akta.pro primary industry
- Consumer P2P Personal Loans (Unsecured) (FSAKAHAA)
- akta.pro secondary industries
- P2P Loan Syndication & Participation Platforms (FSAKAHAL), Middle-Market Lending (FSANADAI), CRE Loan Syndication & Participation (FSALADAK), Large Purchase & Lifestyle Personal Loans (Unsecured Installment) (FSAKAAAG)
Keywords
Where Savy is headquartered
LocationHeadquarters
- HQ city
- Vilnius
- HQ country
- Lithuania
- HQ region
- Europe
Offices1 record
Markets served
Savy business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Technology or R&D, Operations, Personnel, Marketing or Sales, Infrastructure, Others
Revenue model
- One-time Intermediation Fee: One-time fee charged to borrowers at loan origination, typically 1.40% of the loan amount for consumer loans
- Monthly Intermediation Fee: Recurring monthly fee charged on outstanding loan balance, e.g., 0.22% monthly for consumer loans. This provides recurring revenue as long as loans are outstanding.
- Interest from Platform Investment: SAVY platform co-invests in loans alongside external investors, earning interest income from the loan portfolio
- Loan Protection Insurance Distribution: Optional payment protection insurance offered to borrowers through ADB Compensa Vienna Insurance Group, with 6.67% of installment charged as insurance fee
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Usage-based | Monthly | Consumer loans: 300 - 35,000 EUR, 3 months to 10 years, from 6% annual interest |
| Usage-based | Monthly | Business loans: up to 200,000 EUR, interest from 8% |
| Usage-based | Monthly | Mortgage loans: up to 200,000 EUR with real estate collateral |
| Usage-based | Monthly | Home renovation loans |
| Usage-based | Monthly | Installment protection insurance: 6.67% of monthly installment |
| Transaction based/ take rate | Pay-as-you-go | Investor referral program: 1% of friend's investments for first 3 months, max 1,000 EUR each |
Go-to-market motion2 records
Distribution channels4 records
Marketing channels7 records
Savy product offering
Product offeringCore offering
Savy operates a peer-to-peer lending and crowdfunding marketplace connecting Lithuanian borrowers (individuals and businesses) with retail investors. The platform facilitates consumer loans (€300-€35,000), business loans (up to €200,000), mortgage loans (up to €200,000), and real estate development loans funded by an investor community of 18,000+ participants earning average returns of 15.7% on the loan portfolio.
Product overview
SAVY is a peer-to-peer (P2P) lending and crowdfunding platform operating since 2014 as a marketplace connecting borrowers with investors. The platform offers a comprehensive suite of lending products including Consumer Loans (vartojimo paskola), Business Loans (verslo paskola), Mortgage Loans (būsto paskola), and Real Estate Development Loans (NT plėstros paskolos). Additional loan products include refinancing, home renovation loans, car loans, and loans with government support for businesses. On the investment side, the platform provides P2P investing through its web platform and mobile app, with features including auto-investment profiles, secondary market trading, investor fund protection, and a loyalty program. The platform is supervised by the Bank of Lithuania and operates under EU Regulation (EU) 2020/1503. Key statistics include over €180 million in total loans issued, 40,000+ loans granted, and 18,000+ active investors.
Differentiator
Problem solved
Functional benefit
Products and services
- Consumer Loan (Vartojimo paskola) Personal loans ranging from €300 to €35,000 with terms from 3 months to 10 years and annual interest rates starting from 6%, offered without collateral to Lithuanian citizens and residents for personal needs.
- Business Loan (Verslo paskola) Business financing loans up to €200,000 for Lithuanian legal entities including UAB, AB, MB, VšĮ, self-employed individuals, and farmers with at least 12 months operating history.
- Mortgage Loan (Būsto paskola) Loans secured by real estate collateral up to €200,000 for property purchases or other housing needs with annual interest from 6%.
- Real Estate Development Loans (NT plėtros paskolos) Financing for real estate development projects, connecting developers with private investors through the crowdfunding platform.
- Refinancing (Refinansavimas) Loan refinancing service allowing borrowers to consolidate existing debts into a single SAVY loan with potentially better terms; every third SAVY client uses this service.
- Home Renovation Loan (Būsto remonto paskola) Specialized loan product designed for home renovation and repair projects available through the loan calculator on the website.
- Car Loan (Paskola automobiliui) Loan product specifically designed for vehicle purchases ranging from €300 to €35,000.
- Business Loan with Government Support (Verslo paskola su valstybės parama) Business loans offered in cooperation with national development bank ILTE, featuring state portfolio guarantees for reduced risk, enabling €5.3 million in business lending with state support.
- P2P Investing Platform (Investavimas) Peer-to-peer lending investment platform enabling investors to fund consumer, business, mortgage, and real estate development loans with minimum €10 per loan investment, featuring auto-investment profiles, secondary market trading, and a loyalty program.
Quantifiable outcome
- Loans typically provided within 1 business day (vs. weeks at traditional banks)
- +4 more outcomes
Companies that use Savy
Customer profileNamed customers6 records
Segments5 records
Ideal customer profiles4 records
Savy technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration2 records
AI capability2 records
Feature5 records
Savy partnerships and signals
Strategic signalPartnerships
Ten partnerships are on record, tiered core and minor.
- Paysera LT, UABcorePayment solutions provider enabling fund transfers, escrow services for investor funds, and account integration for SAVY platform users. Investors connect existing or open new Paysera accounts to fund investments. All investor funds awaiting investment are held in individual Paysera accounts, separate from SAVY's own funds.
- Soft loans data, UABcoreLoan technology solution provider powering SAVY's P2P lending platform infrastructure
- ADB Compensa Vienna Insurance GroupcoreInsurance company providing loan payment protection (įmokų draudimas) to SAVY borrowers. Covers temporary disability (after 30 days), involuntary unemployment (after 60 days), and death. Insurance fee is 6.67% of monthly installment.
- Delfi, UABminorMajor Lithuanian media outlet serving as information distribution partner for SAVY content and news
- Verslo žinios, UABminorLithuanian business news outlet serving as information distribution partner for SAVY content
- Market Rats, UABminorSEO services provider optimizing SAVY's search engine visibility and organic traffic
- Bitė Lietuva, UABminorDigital services company providing smart services, potentially for cross-promotion to Bitė's customer base
- Creditinfo Lietuva UABcoreCredit bureau providing credit history data, creditworthiness assessments, and debt information for borrower evaluation. Administers INFOBANKAS and KREDITŲ BIURAS systems. Receives data on borrowers late more than 40 days on obligations.
- UAB ScorifycoreCredit scoring and profiling service used for automated creditworthiness assessment of loan applicants. Provides alternative data for borrower evaluation alongside traditional credit bureaus.
- UAB OndatocoreIdentity verification and KYC (Know Your Customer) service provider used during account registration and loan application processes to verify borrower identity
Scale indicators8 records
Recent moves6 records
Expansion highlights6 records
Savy competitors and assessment
Company assessmentDirect peers
- EstateGuru: EstateGuru is an Estonia-headquartered P2P platform specializing in real estate development and bridging loans across Europe. Comparable to Savy's NT plėtros paskolos (real estate development lending) product line and secondary-market features.
- Twino: Twino is a Latvia-based P2P lending platform operating across Europe with consumer and business loan products. Direct Baltic peer with similar marketplace model and investor diversification features.
- Robocash: Robocash is a Latvia/Czech-headquartered P2P consumer lending group with operations across Europe and emerging markets. Direct competitor in consumer unsecured P2P lending serving retail investors.
- Mintos: Mintos is a Latvia-based P2P lending marketplace offering consumer, business, and real estate loans from originators across Europe. Direct competitor to Savy in the Baltic P2P space with similar marketplace model, secondary market, and auto-invest features.
- Debitum Network: Debitum is a Latvia-based P2P platform focused on business lending with invoice factoring and SME loan products. Comparable to Savy's business loan vertical and EU-regulated crowdfunding positioning.
- Bondora: Bondora is an Estonia-based P2P platform originated in the Baltics, now operating across Europe offering consumer loans with secondary market and portfolio-based investing. Direct Baltic-region peer with comparable unsecured consumer lending focus.
Broad incumbents
- Funding Circle: Funding Circle is a UK-listed broad SMB P2P lending incumbent operating across multiple European markets. Comparable in business loan marketplace mechanics and EU regulatory positioning, though larger and publicly listed.
- Younited Credit: Younited is a France-headquartered consumer credit marketplace operating across several EU countries under EU 2020/1503. Comparable in EU-regulated consumer credit intermediation and marketplace model.
Regional players
- LinkedFinance: LinkedFinance is an Ireland-based P2P business lending platform focused on the Irish SME market. Comparable in business-focused P2P marketplace model, though operating in a different geographic market.
Others
- Creditinfo: Creditinfo is a credit bureau and data provider used by Savy for borrower creditworthiness assessment. Adjacent ecosystem participant in Lithuania (Creditinfo Lietuva) and partner in Savy's underwriting workflow.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat6 records
Key risks4 records
Key highlights7 records
Customer concentration
Savy social profiles
Digital presenceSavy compliance and trust
Trust signalCompliance5 records
Savy financial estimates
Financial estimateRevenue estimate
Valuation estimate
Savy leadership team
Management profileNumber of profiles
Profiles2 records
Savy funding detail
Funding detailFunding overview
Funding rounds1 record
Investors2 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Savy 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 Savy
What does Savy do?
Savy operates a peer-to-peer lending and crowdfunding marketplace connecting Lithuanian borrowers (individuals and businesses) with retail investors. The platform facilitates consumer loans (€300-€35,000), business loans (up to €200,000), mortgage loans (up to €200,000), and real estate development loans funded by an investor community of 18,000+ participants earning average returns of 15.7% on the loan portfolio.
Is Savy a public or private company?
Savy is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Savy founded?
Savy was founded in 2014. It employs 11 to 50 people.
Where is Savy based?
Savy is headquartered in Vilnius, Lithuania, in the Europe region.
How does Savy make money?
Four revenue lines are on record. One-time Intermediation Fee is the primary driver. The others are monthly Intermediation Fee, interest from Platform Investment and loan Protection Insurance Distribution.
Who are Savy's main competitors?
Direct peers on record are EstateGuru, Twino, Robocash, Mintos, Debitum Network and Bondora. Broad incumbents are Funding Circle and Younited Credit. LinkedFinance is listed as a regional player. Creditinfo is listed as an others.
Does Savy have an API?
No public API is recorded for Savy.
What industry is Savy in?
Savy's product category is Peer-to-Peer Lending Marketplace. Its primary akta.pro industry code is FSAKAHAA, Consumer P2P Personal Loans (Unsecured), with a secondary code of FSAKAHAL, P2P Loan Syndication & Participation Platforms. Its NAICS code is 52231 and its SIC code is 6163.