What Light Finance does

Light Finance is a privately held, for-profit financial services company operating in Bulgaria (lightfinance.bg). Its stated product portfolio covers secured loans, business loans, refinancing, and related financial services, positioning it as a small-scale non-bank credit provider rather than a universal retail bank. The company appears to target both individual borrowers seeking secured consumer credit and small businesses requiring working-capital or refinancing facilities.

Beyond the short product description, there is very little verifiable information about Light Finance's operations. Its corporate website renders only a verification/loader page rather than substantive content, and no details are available on headcount, funding, ownership, management, loan-book size, pricing, technology stack, geographic footprint beyond Bulgaria, or partnerships. The company is confirmed to be operating and private, with no public ticker or parent company disclosed.

Given the near-absence of primary disclosure, the business model cannot be characterized with precision. Standard digital-lending revenue mechanics would include interest income, origination or arrangement fees, and ancillary charges on secured and unsecured loan facilities. However, without disclosed portfolio yields, ticket sizes, default rates, or capital sources, any revenue or profitability estimate is unsupported. The investment-relevant conclusion is that Light Finance is currently a data-thin, small-scale Bulgarian non-bank lender whose strategic direction, scale, and viability cannot be assessed from public information.

Name

Light Finance

Website

https://lightfinance.bg

Company type

Private

Operating status

Operating

Short description

Light Finance is a privately held Bulgarian non-bank lender offering secured loans, business loans, refinancing, and related credit services to individual and small-business borrowers in Bulgaria.

Ownership category

akta.pro rank

Product category

Consumer & Business Lending

NAICS

Credit Intermediation and Related Activities (522)

SIC

Short-Term Business Credit Institutions (6153)

akta.pro primary industry

Direct Lending — Specialty Finance (Consumer/SME Lending Platforms) (FSAHAJAF)

akta.pro secondary industry

Balance-Sheet / Portfolio CRE Lending (FSALADAG)

Keywords

• Secured lending services
• Business loans
• Loan refinancing
• Consumer credit
• Financial services

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Core offering

Light Finance provides secured loans, business loans, refinancing, and related financial services. The firm operates in the lending sector and serves borrowers requiring collateral-backed credit, working capital financing for businesses, and loan restructuring/refinancing products. The company is based in Bulgaria (lightfinance.bg domain).

Differentiator

Problem solved

Functional benefit

Products and services

• Secured Loans

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Direct peers

• Mango Finance (MFC): Mango Finance is a Bulgarian microfinance company providing consumer and small-business loans, directly comparable to Light Finance in the Bulgarian non-bank lending segment.
• TBI Credit: TBI Credit is a Bulgarian non-bank consumer and SME lender offering secured and unsecured credit products, directly comparable to Light Finance's secured and business-loan focus in the same Bulgarian market.
• EasyCredit (Easy Asset Management): EasyCredit is a Bulgarian non-bank lender specializing in consumer and small-business credit, competing in the same Bulgarian niche as Light Finance with overlapping refinancing and personal/business loan products.
• ProfiCredit Bulgaria: ProfiCredit Bulgaria is part of the ProfiCredit Group, a European microfinance and SME lender operating in the same Bulgarian market with a similar mix of secured consumer and small-business loans.
• Vivus (4finance): Vivus Bulgaria, part of 4finance, is an online consumer and small-loan provider in Bulgaria, competing for the same retail and SME refinancing borrowers that Light Finance targets.
• Credex: Credex is a Bulgarian non-bank financial institution offering consumer and business loans, making it a direct peer in product mix and target customer within Bulgaria.

Broad incumbents

• UniCredit Bulbank: UniCredit Bulbank is the largest bank in Bulgaria and a broad incumbent offering secured, business, and refinancing loans, providing a key competitive benchmark for any Bulgarian secured/SME lender.
• DSK Bank: DSK Bank is a major Bulgarian commercial bank with a large secured and SME lending franchise, representing the incumbent competition Light Finance faces for secured and business credit.
• BNP Paribas Personal Finance (Cetelem Bulgaria): Cetelem Bulgaria, part of BNP Paribas Personal Finance, offers consumer credit and refinancing in the Bulgarian market, competing with Light Finance for refinancing and personal loan demand through a pan-European parent.

Emerging players

• Ferratum (Multitude SE): Multitude (formerly Ferratum) is a European digital lender offering consumer and SME credit across multiple CEE markets, comparable to Light Finance in product mix though operating at broader scale and geography.

Market position

Strengths3 records

Weaknesses4 records

Competitive moat2 records

Key risks4 records

Key highlights3 records

Customer concentration

• LinkedInlinkedin.com/company/light-finance-ltd

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 Light Finance