Vivus.bg

What Vivus.bg does

Vivus.bg is a Bulgarian non-bank online consumer lender that has operated in the market for over 12 years, serving Bulgarian citizens over 19 years of age who need short-term access to small amounts of cash. The company, legally registered as "ВИВУС.БГ" ЕООД (EIK 202393458), is a trading brand of the Mellenu Group and operates with international backing from 4finance. Its product suite consists of quick online loans (payday-style credit) ranging from 50 to 850 EUR with terms of 5 to 30 days, including a freemium entry product — a 0% interest, zero-fee first loan of up to 400 EUR — and subsequent interest-bearing loans with a representative APR of approximately 49.1%.

The platform is fully online: borrowers register via the website, undergo digital identity verification against the Bulgarian Central Credit Register (ЦКР), and receive a credit decision in as little as 15 minutes. Fund disbursement occurs via bank transfer (with expedited delivery to accounts at four partner banks: Allianz, First Investment Bank, DSK, and Postbank) or as cash pickup at EasyPay offices nationwide; repayments are accepted through bank transfer, EasyPay, and Cashterminal. The technology stack includes an interactive online credit calculator, a client portal for loan management (restructuring, additional drawdowns, repayment planning), and Microsoft Clarity for website analytics. Vivus.bg is registered as a financial institution with the Bulgarian National Bank (BGR00313) and as a Personal Data Administrator (number 371033).

The company generates revenue primarily through interest on repeat loans, an optional fast-review service fee for expedited credit decisions, and fees on loan restructuring/term extensions. Customer acquisition is driven by organic channels — Bulgarian-language SEO, an educational blog on credit literacy, and social media — supplemented by word-of-mouth from a base of over 220,000 registered customers with a stated satisfaction rate above 90%. The operation is small (12 employees) and entirely domestic, with no physical branches.

Name

Vivus.bg

Legal name

"ВИВУС.БГ" ЕООД

Website

https://vivus.bg

Company type

Private

Founded year

2012

Operating status

Operating

Headcount range

11–50 employees

Short description

Vivus.bg is a Bulgarian non-bank online lender offering short-term consumer loans of 50-850 EUR to Bulgarian citizens, with a 0% interest first-loan product, 15-minute approval, and repayment terms of 5-30 days.

Ownership category

akta.pro rank

Product category

Consumer Lending (Online Payday Loans)

NAICS

Nondepository Credit Intermediation (5222)

SIC

Personal Credit Institutions (6141)

akta.pro primary industry

Single-Payment Payday Loans (FSAKAMAA)

akta.pro secondary industries

Installment Payday Loans (FSAKAMAB), Emergency & Short-Term Installment Personal Loans (Unsecured) (FSAKAAAH)

Keywords

• Online consumer lending
• Short-term payday loans
• Digital loan origination
• Consumer credit services
• Branchless lending platform

Headquarters

HQ city

Sofia

HQ country

Bulgaria

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Loan Interest Revenue: Vivus generates the majority of its revenue from interest charged on loans. First-time borrowers receive an interest-free loan (up to 400 EUR for up to 30 days), with zero fees. Subsequent loans carry interest — the example given shows 3.33 EUR per 100 EUR per 30 days (APR 49.1%) plus a fast-review service fee of 70.99 EUR for a 300 EUR / 30-day loan. The total repayment example for a 300 EUR second loan is 380.99 EUR, implying approximately 10 EUR in interest plus 70.99 EUR service fee.
2. Fast Review Service Fee: An optional premium service fee is charged for expedited loan review. If selected, the applicant receives a credit decision within 15 minutes. The fee is displayed on the credit calculator and is paid upfront in full for loan restructuring (term extension) services. This fee is distinct from interest and adds to the cost of the loan.
3. Loan Restructuring / Extension Fee: When a borrower cannot repay on time, they may restructure the loan by extending the repayment term by 7, 14, or 30 days. A fee is charged for this service based on the loan principal and extension period, paid in full and upfront. This fee does not reduce the loan principal.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels6 records

Core offering

Vivus.bg is an online non-bank consumer lender offering short-term payday-style loans to Bulgarian citizens, ranging from 50 to 850 EUR with repayment terms of 5 to 30 days. The entire loan lifecycle (registration, identity verification, credit decision within 15 minutes, fund disbursement, repayment, and restructuring) is conducted online through the Vivus.bg website and client portal, with funds delivered to bank accounts (via partner banks) or as cash at EasyPay offices. New borrowers receive an interest-free first loan up to 400 EUR; subsequent loans earn interest and fees (representative APR 49.1%), and borrowers may extend terms by 7, 14, or 30 days for a restructuring fee.

Product overview

Vivus.bg is an online lending platform offering short-term consumer loans (payday loans) with amounts ranging from 50 to 850 EUR. The core product portfolio consists of quick online loans with rapid approval (within 15 minutes), disbursed to bank accounts or EasyPay cash desks. The product suite includes: a first-time interest-free loan product (up to 400 EUR), standard loan products for repeat customers (up to 500 EUR and 850 EUR tiers), small loans up to 250 EUR, an interactive loan calculator tool, and add-on services including loan restructuring (term extensions of 7/14/30 days) and additional borrowing within credit limits. All products share a unified online application process with no guarantors required, with repayment terms of 5-30 days.

Differentiator

Problem solved

Functional benefit

Products and services

• Quick Online Loans (Бързи кредити онлайн) Short-term online consumer loans (payday loans) ranging from 50 to 850 EUR with repayment terms of 5 to 30 days. Applications are fully online, decisions delivered within 15 minutes, and funds disbursed to a personal bank account (via partner banks) or as cash at EasyPay offices. Targeted at Bulgarian citizens aged 19+ who need fast access to small cash amounts without guarantors or income documentation.
• First Interest-Free Loan (Първи безлихвен кредит) First-time borrower promotion offering loans up to 400 EUR / 782.33 BGN with 0% interest and no fees, repayable within 5 to 30 days. Designed to convert new customers into repeat borrowers; the customer returns exactly the amount borrowed if repaid on time.
• Credit up to 500 EUR (Кредит до 500 евро) Loan product for existing customers offering amounts from 50 to 500 EUR / 977.92 BGN with repayment terms of 5-30 days. Targets borrowers returning to Vivus who qualify for higher credit limits after their initial loan history.
• Credit up to 850 EUR (Кредит до 850 евро) Maximum-tier loan available for loyal repeat customers, offering amounts up to 850 EUR / 1,662.46 BGN with the same short-term 5-30 day repayment structure. Represents the top of Vivus's credit limit escalation model.
• Credit up to 250 EUR (Бързи кредити до 250 евро) Small loan product offering amounts typically between 200 and 300 EUR for minor unexpected expenses, with quick approval and repayment within 30 days. Targeted at customers needing smaller cash advances.

Quantifiable outcome

• Loan approval and disbursement in as little as 15 minutes upon approval
• +4 more outcomes

Named customers4 records

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Feature3 records

Partnerships

Six partnerships are on record, tiered core and minor.

• EasyPaycoreTechnology or IntegrationEasyPay is a nationwide cash payment network in Bulgaria. Vivus uses EasyPay as a primary channel for disbursing loan funds (borrowers collect cash at EasyPay offices with only their personal ID card) and for receiving loan repayments. This partnership enables cash-in/cash-out services that complement Vivus's entirely online lending model.
• Allianz BankcoreTechnology or IntegrationAllianz Bank is one of the partner banks with which Vivus works for fund transfers. When borrowers provide an Allianz Bank account, transfers are expedited (within 15 minutes to 2 hours of loan approval).
• First Investment Bank (FIB)coreTechnology or IntegrationFirst Investment Bank is a partner bank for Vivus fund transfers. Borrowers with FIB accounts receive expedited fund disbursements (within 15 minutes to 2 hours of approval).
• DSK BankcoreTechnology or IntegrationDSK Bank is a partner bank for Vivus fund transfers. Borrowers with DSK Bank accounts receive expedited fund disbursements (within 15 minutes to 2 hours of approval).
• Postbank (Eurobank Bulgaria)coreTechnology or IntegrationPostbank (a brand of Eurobank Bulgaria) is a partner bank for Vivus fund transfers. Borrowers with Postbank accounts receive expedited fund disbursements (within 15 minutes to 2 hours of approval).
• CashterminalminorChannel Partner/ Reseller/ DistributorCashterminal is referenced as an additional payment channel through which Vivus borrowers can make loan repayments. It provides an alternative to bank transfers and EasyPay for borrowers to settle their outstanding loan balances.

Scale indicators4 records

Recent moves6 records

Expansion highlights3 records

Direct peers

• Wonga (historical brand / legacy operators): Historically the benchmark European online payday lender; the product offering (small, short-term, single-payment consumer loans with high APR and fast online approval) is the closest conceptual analog to Vivus.bg's current product mix in the EU market.
• Kredito24 (IPF Digital): Bulgarian-arm of the IPF Digital group providing short-term online consumer loans; directly comparable in product, target customer, regulatory perimeter, and 100% online GTM motion to Vivus.bg.
• Credit7.bg (Credex / Bulgarian online lender group): Bulgarian-licensed online quick-loan lender offering short-term consumer credit with online application and rapid approval; directly competes with Vivus.bg for the same Bulgarian consumer base and within the same BNB regulatory framework.
• FastCredit.bg: Domestic Bulgarian online consumer-credit provider issuing quick, small-denomination loans without guarantors; competes head-to-head with Vivus.bg on first-borrower promo pricing, term length, and digital onboarding experience.

Broad incumbents

• Ferratum / Multitude SE: Listed European digital lender (formerly Ferratum) offering short-term consumer loans and BNPL across multiple EU markets; comparable in product structure, online origination, and regulated non-bank lender status, though operating at much larger scale and across more geographies than Vivus.bg.
• 4finance: International online consumer lending group that explicitly backs Vivus.bg with operational and infrastructure support; operates similar short-term digital loan products across multiple European markets and is the most direct institutional comparator for Vivus.bg's model and scale.

Others

• EasyPay (cash payment network): Nationwide Bulgarian cash-in/cash-out network used by Vivus.bg for loan disbursement and repayment; included as an ecosystem partner rather than a competitor, but informative for understanding distribution dependence.

Emerging players

• Cashwagon (regional SEA/CIS lender group): Online payday lending group active across emerging markets; comparable product mechanics (instant approval, small-ticket short-term loans, fully digital) but different geography, useful as an emerging-market peer benchmark.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/Vivus_bg
• YouTubeyoutube.com/user/vivusbg
• Facebookfacebook.com/vivusbg
• LinkedInlinkedin.com/company/vivus.bg
• Instagraminstagram.com/vivus.bg

Compliance3 records

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 Vivus.bg