finte.cz

What finte.cz does

Finte s.r.o. is a privately held Czech investment platform (Finte, finte.cz) that operates a real-estate-backed P2P lending and crowdfunding marketplace, headquartered at Pujmanové 1753/10a, Prague 4. Founded in 2024 as a společnost s ručením omezeným (Czech s.r.o.), the company connects individual investors with Czech and EU-based legal entities seeking non-bank, property-collateralized business loans. Its core product is the Participace mechanism — partial assignment of future claims on secured loans — under which Finte first funds the loan from its own balance sheet, registers a mortgage or co-ownership interest on the underlying real estate, and only then opens the loan to investor participation at LTV ratios capped at 70%. Investors commit tickets of 25,000-1,000,000 CZK over 1-5 year durations at advertised returns of up to 11% annually, with monthly profit distributions and capital returned at maturity.

The platform is delivered as a web portal at www.finte.cz with self-service registration, remote contract signing via Czech bank-identity or SMS verification, an interactive investment calculator, and portfolio management tools. Finte also publishes a separate advertising section for bond-issuer opportunities, though it does not mediate or distribute those securities. To date, the platform has facilitated 84.7 million CZK in investments across 349 active investors with an average ticket of 128,939 CZK and a stated average investor profit of 10%.

Finte earns revenue entirely on the borrower side through a fee schedule effective 1 July 2024: a 20,000 CZK loan-application fee covering estimate and risk assessment, a 4.5% loan-provision fee on originated principal, a 1% annual loan-management fee, and a 3% early-repayment penalty. Basic investor services (registration, verification, investment execution, profit transfers) are free, with only optional reports and documentation extracts (100-500 CZK) charged to investors. Distribution is hybrid: a 24/7 self-serve digital portal plus a direct sales motion staffed by investment specialists and a Key Account Manager (Mgr. Petr Hradecký), supported by content marketing, social channels (Instagram, LinkedIn, Facebook), and SEO targeting Czech-language queries. The company operates exclusively in the Czech Republic and complies with Czech AML (ZAML) and GDPR obligations.

Name

finte.cz

Legal name

Finte s.r.o.

Website

https://finte.cz

Company type

Private

Founded year

2024

Operating status

Operating

Short description

Finte s.r.o. (finte.cz) is a Czech P2P investment platform, founded in 2024, that connects individual investors with Czech and EU legal entities seeking real-estate-backed, non-bank loans via a Participace (partial-claim) structure with LTV capped at 70%.

Ownership category

akta.pro rank

Product category

P2P Lending / Investment Crowdfunding

NAICS

Mortgage and Nonmortgage Loan Brokers (522310), Credit Intermediation and Related Activities (522)

SIC

Mortgage Bankers & Loan Correspondents (6162), Loan Brokers (6163)

akta.pro industry

PRIMARYFSAGAHAE

Pricing, Risk-Based Offer & Limit Management

Financial & Insurance/Financial Technology (Fintech)/LendTech (Digital Lending Platforms & Credit Decisioning)

SECONDARYFSALADAG

Balance-Sheet / Portfolio CRE Lending

Financial & Insurance/Mortgage & Housing Finance/Commercial & Multifamily Mortgage Lending

Keywords

• P2P lending platform
• Crowdfunding investments
• Real estate loans
• Non-bank financing
• Alternative investments

Headquarters

HQ city

Prague

HQ country

Czechia

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Loan provision fees: Fees charged to loan applicants for loan origination. Loan application fee of 20,000 CZK covers estimate, risk assessment, and legal costs. Loan provision fee of 4.5% applied to loan amount.
2. Loan management fees: Annual loan management fee of 1% charged to loan applicants for ongoing loan administration.
3. Early repayment fees: 3% fee on early repayment of principal charged to borrowers who repay loans ahead of schedule.
4. Report and documentation fees: Optional fees for investors: 100 CZK for electronic investment reports, 500 CZK for postal reports, 500 CZK for documentation extracts. Basic services (registration, verification, investment, profit transfers) are free.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels6 records

Core offering

Finte operates an investment crowdfunding platform that connects individual investors with real estate-backed loan participation opportunities (Participace) and originates non-bank business loans against property collateral. The company funds loans from its own capital first, registers a mortgage or co-ownership interest on the property in the cadaster, and then offers partial claim assignments to investors through its proprietary web portal, with LTV capped at 70% and advertised annual returns of up to 11%.

Product overview

Finte operates as a web-based investment platform offering a portfolio of services centered on real estate-backed lending. The core offering consists of the Finte Investment Platform, which enables investors to participate in secured loans through the Participace mechanism. The platform also provides non-bank financing directly to borrowers. Key investment parameters include minimum investments of 25,000 Kč, annual returns up to 11%, and LTV ratios not exceeding 70%. All services are delivered through the company's proprietary web portal at www.finte.cz.

Differentiator

Problem solved

Functional benefit

Products and services

• Finte Investment Platform A web-based investment portal that allows individual investors to register, verify their identity, browse available Participace opportunities on real estate-backed loans, and acquire partial claims on future loan repayments with monthly profit distributions.
• Non-Bank Financing (Nebankovní financování) A non-bank business loan product for Czech and EU-based legal entities seeking property-secured financing, with loans funded by Finte from its own capital, secured by real estate with LTV up to 70%, and subsequently opened to investor participation through Participace.

Quantifiable outcome

• Up to 11% annual returns for investors
• +3 more outcomes

Named customers4 records

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Scale indicators5 records

Recent moves5 records

Expansion highlights5 records

Direct peers

• Zonky: Czech peer-to-peer lending platform owned by Air Bank, connecting retail investors with consumer and SME borrowers — the most direct domestic competitor to Finte's Czech P2P lending and non-bank financing proposition.
• EstateGuru: European real-estate-backed P2P lending platform offering property-collateralized loan participations to retail investors — directly comparable in product structure (RE-secured participations, LTV-based risk) to Finte, though operating across multiple EU markets rather than just CZE.
• Twino: European P2P lending platform originating and distributing consumer and business loans to retail investors — comparable in core marketplace/intermediation function and geographic footprint (EU-wide) to Finte's platform model.

Broad incumbents

• Mintos: European P2P lending marketplace aggregating loan originators across multiple countries and asset classes — a broad incumbent with overlapping marketplace mechanics, though much larger scale and broader asset coverage than Finte's RE-only focus.
• Banka CREDITAS: Czech bank offering mortgage and commercial real estate lending — a broad incumbent competing with Finte's non-bank financing proposition on the borrower side and on loan pricing, particularly for real-estate-secured business loans.
• Air Bank (Zonky parent): Czech retail bank whose subsidiary Zonky operates the country's leading P2P lending platform — broader incumbent offering full deposit-and-lending services while competing head-on with Finte's investor and borrower targeting.

Regional players

• Fellow Finance: Nordic and European P2P lending platform connecting investors with consumer and SME borrowers via a regulated marketplace — highly comparable business model (digital P2P origination and participation sales) though focused on the Nordics rather than CZE.

Emerging players

• Crowdestate: European real estate crowdfunding platform offering property-backed investment opportunities to retail investors — comparable to Finte's focus on real-estate-backed debt participations, though typically structured as equity/project finance rather than LTV-capped loan participations.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/fintefinancujte
• LinkedInlinkedin.com/company/fintefinancujte
• Instagraminstagram.com/fintefinancujte

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

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 finte.cz