UAB „PRO INVEST GROUP“

What UAB „PRO INVEST GROUP“ does

UAB „PRO INVEST GROUP“ is a privately held Lithuanian consumer credit company founded in 2009 and headquartered in Kaunas, operating under the Kreditucentras.lt brand. It serves Lithuanian residents aged 18–70 with stable income, offering unsecured consumer loans of 100–6,000 EUR over 3–60 months, with first-time borrowers capped at 2,000 EUR. The company originated more than 2,000,000 EUR in loans to over 20,000 customers annually and is licensed and supervised by the Bank of Lithuania under the Republic of Lithuania Consumer Credit Law, holding 7 employees.

The technology stack centers on a proprietary CreditOnline platform supporting end-to-end online application, automated credit decisioning, MD5 hash-based contract security, and iDenfy-integrated identity verification; web and mobile channels (iOS/Android) deliver a 15-minute approval and disbursement flow. The product portfolio was extended in October 2023 with the Skaidri Kortelė (Transparent Card) credit card — up to 6,000 EUR limit, 0% interest for the first 30 days, virtual card in 15 minutes and physical Visa card post issuance — embedded in a mobile app and integrated with Google Pay, Garmin Pay, and Fitbit Pay. Distribution is direct-to-consumer online (website, mobile app, SMS) supplemented by a network of 9 registered credit intermediaries across Lithuania and Perlo terminal repayment infrastructure.

The revenue model is usage-based: interest income at roughly 48–50% annualized on outstanding principal, administrative fees as a percentage of loan amount, a 0.10 EUR one-time registration fee, loan extension fees for 30-day deferrals, refinancing commissions, and credit card revenue (0.90 EUR/month maintenance, replacement, ATM, and FX fees). The company relies on third-party credit bureau data (Creditinfo Lietuva, EUCB) for underwriting and on AB Swedbank for disbursement and repayment banking rails. Geographic scope is exclusively Lithuania.

Name

UAB „PRO INVEST GROUP“

Legal name

UAB "PRO INVEST GROUP"

Website

https://kreditucentras.lt

Company type

Private

Founded year

2009

Operating status

Operating

Headcount range

1–10 employees

Short description

UAB „PRO INVEST GROUP“ is a Bank of Lithuania-regulated Lithuanian consumer credit company operating the Kreditucentras.lt online lending platform, offering unsecured 100–6,000 EUR loans and a Skaidri Kortelė credit card to individual Lithuanian residents via digital and intermediary channels.

Ownership category

akta.pro rank

Product category

Consumer Lending

NAICS

Credit Intermediation and Related Activities (522)

SIC

Personal Credit Institutions (6141)

akta.pro primary industry

Large Purchase & Lifestyle Personal Loans (Unsecured Installment) (FSAKAAAG)

akta.pro secondary industries

Debt Consolidation Personal Loans (Unsecured Installment) (FSAKAAAD), Multi-Loan / Multi-Creditor Consolidation Loans (FSAKAIAD)

Keywords

• Consumer lending
• Personal loans
• Online lending
• Credit cards
• Loan refinancing

Headquarters

HQ city

Kaunas

HQ country

Lithuania

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure

Revenue model

1. Interest Income: Primary revenue from interest charges on consumer loans. Interest rates range from 4.00% to 4.17% monthly (48-50% annual). Interest calculated on outstanding principal.
2. Credit Card Fees: Monthly card maintenance fee of 0.90 EUR, card replacement fee of 9.00 EUR, ATM withdrawal fees (2.00 EUR domestic, 2.00 EUR + 2.6% foreign), 2% foreign currency conversion fee.
3. Administrative Fees: Registration fee of 0.10 EUR for new customers. Administration fees charged as percentage of loan amount.
4. Loan Extension Fees: Extension fees for deferring loan repayment by 30 days. Only available if total loan cost does not exceed loan amount.
5. Refinancing Services: Debt consolidation services allowing customers to combine multiple loans into single repayment. Commission for refinancing services.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels5 records

Core offering

UAB „PRO INVEST GROUP“ operates the Kreditucentras.lt online consumer lending platform, offering uncollateralized consumer loans of 100–6,000 EUR with 3–60 month repayment terms and 15-minute approval and disbursement. The company also issues the Skaidri Kortelė (Transparent Card) credit card with up to 6,000 EUR limit featuring 0% interest for the first 30 days, and provides loan refinancing services to consolidate multiple debts into a single monthly payment.

Product overview

Kreditucentras.lt, operated by UAB PRO INVEST GROUP, is an online lending platform offering a portfolio of consumer financial products. The core offering consists of quick consumer loans (Greitieji vartojimo kreditai) ranging from 100 to 6000 EUR with 3-60 month terms, and the Skaidri Kortele credit card with up to 6000 EUR limit featuring 0% interest for the first month. Additional services include loan refinancing (Paskolu refinansavimas) for consolidating multiple debts into one payment, and standardized consumer credit contracts. All products are regulated by the Bank of Lithuania and offered exclusively online through the website and mobile applications.

Differentiator

Problem solved

Functional benefit

Brands

• Skaidri kortelė: A transparent credit card product with 0% interest for the first 30 days, offered as both virtual and physical Visa cards, with a companion mobile application for iOS and Android.

Products and services

• Greitieji vartojimo kreditai internetu (Quick Consumer Loans) Online consumer loans ranging from 100 to 6,000 EUR with flexible repayment terms from 3 to 60 months. No collateral required; approval decisions and fund transfers completed within approximately 15 minutes. First-time borrowers are limited to a maximum of 2,000 EUR.
• Skaidri Kortelė (Transparent Card) Credit card with credit limit up to 6,000 EUR featuring 0% interest for the first 30 days. Includes a virtual card issued within 15 minutes of approval and a physical Visa card delivered within 10–14 days. Managed via mobile app with spending tracking, expense limits, card freeze, and PIN management; supports Google Pay, Garmin Pay, and Fitbit Pay. Monthly maintenance fee of 0.90 EUR.
• Paskolų refinansavimas (Loan Refinancing) Debt consolidation service that combines multiple debts from other credit institutions into a single loan with one contract and one monthly payment. Refinancing available up to 6,000 EUR with terms up to 60 months. Commission is charged for refinancing services.
• Vartojimo kredito sutartis (Consumer Credit Contract) Standardized consumer credit contract template governing the terms and conditions of the loan agreement, including interest rates, fees, repayment schedules, and borrower obligations, executed electronically with MD5 hash security.

Quantifiable outcome

• 20000+ customers served per year
• +2 more outcomes

Segments2 records

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

Feature4 records

Partnerships

13 partnerships are on record, tiered core and minor.

• iDenfycoreTechnology or IntegrationIdentity verification technology partner providing real-time video/image identity verification system for remote customer onboarding and compliance with AML requirements.
• UAB Creditinfo LietuvacoreTechnology or IntegrationCredit bureau data provider supplying credit history information, debt records, and financial obligation data for creditworthiness assessment.
• European United Credit Bureau (EUCB)coreTechnology or IntegrationEuropean credit bureau network with data processor UAB EGROUP EU, providing cross-border credit information.
• LENDERS UABminorChannel Partner/ Reseller/ DistributorCredit intermediary located at Savanorių g. 1, Vilnius, LT-03116. Company code: 302996838.
• ALTERO LT UABminorChannel Partner/ Reseller/ DistributorCredit intermediary located at Perkūnkiemio g. 13-91, LT-12114 Vilnius. Company code: 304896733.
• ZOTAS UABminorChannel Partner/ Reseller/ DistributorCredit intermediary located at Kalvarijų g. 99A-33, LT-08219, Vilnius. Company code: 304893032.
• VERTIKALUS DANGUS UABminorChannel Partner/ Reseller/ DistributorCredit intermediary operating under creditking.lt brand. Located at Olimpiečių g. 5, LT-09232, Vilnius. Company code: 305088516.
• IESKAU PASKOLOS MBminorChannel Partner/ Reseller/ DistributorCredit intermediary located at Pramonės pr. 4A, LT-51329 Kaunas. Company code: 303302302.
• FINBRO UABminorChannel Partner/ Reseller/ DistributorCredit intermediary located at Jurgio Baltrušaičio g. 9, LT-06145 Vilnius. Company code: 305377937.
• DRAUSKAITA UABminorChannel Partner/ Reseller/ DistributorCredit intermediary located at Šeimyniškių g. 21, LT-09200 Vilnius. Company code: 304254248.
• CURRENT AUTO UABminorChannel Partner/ Reseller/ DistributorCredit intermediary located at Perkūnkiemio g. 3, LT-12127 Vilnius. Company code: 305850767.
• GelvoraSergel UABminorChannel Partner/ Reseller/ DistributorCredit intermediary operating under toborrow.lt brand. Located at Švitrigailos g. 11H, Vilnius. Company code: 125164834.
• AB SwedbankcoreTechnology or IntegrationPrimary banking partner for loan disbursements and repayments. Account: LT807300010119203274.

Scale indicators5 records

Recent moves6 records

Expansion highlights8 records

Direct peers

• INBank: Estonian digital bank with Lithuanian consumer lending operations, offering installment loans and credit cards. Competes directly in the same customer segment and product categories.
• Credit24 (4finance Group): Another 4finance brand in Lithuania offering installment consumer loans with similar pricing tiers and online application. Refinancing product overlap and direct customer-segment competition make it a closely comparable peer.
• Mokilizingas: Lithuanian consumer finance provider offering installment loans and leasing products to individuals. Comparable in customer segment and product category, though it has a broader leasing offering.
• SMScredit: Lithuanian consumer credit company offering small-ticket installment loans with rapid remote approval. Operates in the same unsecured consumer loan category with comparable tenor and APR structure.
• Bigbank: Estonian-headquartered bank with Lithuanian consumer lending operations, providing installment loans to individuals. Comparable in target customer and loan size, though with stronger balance sheet.
• Vivus (4finance Group): Lithuanian subsidiary of 4finance Group offering online short-term and installment consumer loans (typically 100-3000 EUR) with similar 15-minute approval model. Directly competes with Kreditucentras.lt in the same Lithuanian unsecured consumer lending niche.

Emerging players

• Ferratum: Finnish-headquartered digital lender with operations across Europe including the Baltics, offering consumer loans and revolving credit. Provides a Nordic benchmark for digital consumer lending at scale.
• Lendo: Lithuanian/Baltic credit marketplace and P2P lending platform connecting borrowers with multiple lenders. Adjacent business model with overlapping customer base, but operating as a marketplace rather than direct lender.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/uab-%E2%80%9Epro-invest-group%E2%80%9C

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about UAB „PRO INVEST GROUP“