Technology Driven Consumer Finance

Credissimo is a leading European FinTech Group founded in 2007. Our innovative proprietary technology combined with superior customer service enables us to deliver unmatched efficiencies and state-of-the-art consumer finance solutions.

Core Principles

Socially Responsible We support internal and external social initiatives that help our community to grow and develop

Service Excellence Delivering the best possible service to our customers is the ultimate goal we aim to achieve everyday

Constant Innovation We always challenge the status quo through innovation that creates value and convenience for our customers

Teamwork Our company is our team. Our culture is constantly nurtured by our integrity, loyalty and respect

Customer Centric We believe that if we strive to serve our customers in the best possible way, we are destined to succeed as well

Our Strategy

We constantly strive to push the technological boundaries to their limits in order to be at the innovation frontier of the FinTech industry. Our Strategy revolves around the simple convenient solutions that enhance the lives of our clients.

Convenient Application

User Friendly Interface

Superior Customer Support

Omni Channel Marketing

Automated Loan Approval

Proprietary Scoring

Key Facts And Figures

35%

Net Income Margin

120

Employees

79,000

Loans Disbursed in 2017

1,000,000

Loan Applications

BBB-

Credit Rating Upgrade

78%

Returning Customers

320,000

Unique customers

Operational markets

Cash Collected

Loans Granted

in EUR millions

Credissimo loans granted and cash collected 2014

Credissimo loans granted and cash collected 2015

Credissimo loans granted and cash collected 2016

Credissimo loans granted and cash collected 2017

Since Inception

Since Inception EUR 151M Cash Collected

EUR 117M Loans Granted

Audited by:

Cash Collected

Loans Granted

in EUR millions

EU Financial Supervision & Compliance Credissimo adheres to the highest regulatory requirements and is strictly supervised by multiple European Banking and Financial Services Regulators. Our company prudently follows compliance and regulation requirements in all of the markets where we operate.

Our Products

Short-term Loans Credissimo’s short-term loans are processed online in seconds and the approved amount of up to 300 euro is instantly transferred to the customers with repayment period of 15 to 30 days.

Installment Loans Instalment loans are processed online in seconds and the approved amount is transferred to customers who can apply for amounts of up to EUR 1,250 with repayment period of 3 to 24 months.

E-commerce POS Financing Pay Later is a credit line that gives the customers the flexibility to delay payment up to 15 days on online purchases with 0% interest or pay overtime with bullet or installment payments.

Online Car Title Loans Credissimo Super is a car title loan with a convenient model of application and near instant approval. It is securitized with the leased asset, owned by the lessee prior to the transaction.

10 Years of Innovations

Founded 2007

Credissimo Founded Four entrepreneurs decided to disrupt the inefficient lending market by providing convenient online consumer loan products - made possible through adoption of the latest technologies

2010

Proprietary Process Automation Credissimo developed in-house an innovative technology that introduced automated instant credit approval 7 days a week

2013

Mobile Adoption Development of user-friendly mobile website and iPhone/Android apps helped the company reach over 1,000,000 online loan applications

E-Commerce & Utility Bill Payments Driven by the vision to provide convenient solutions for its customers, Credissimo diversified its products and introduced E- Commerce financing and direct Utility Bill Payments. 300+ merchants onboarded

2014

Initial Public Offering (IPO) On May 7 2014 Credissimo successfully listed 2.5 million shares on the public markets

Co-founded ARNL Co-founded of the Association for Responsible Non-Banking Lending (ARNL)

2015

Big Data Scoring & Analytics Adopting Machine Learning and Big Data technologies further enhanced Credissimo’s loan scoring algorithms

2016

Bitcoin Repayment Option Credissimo pioneered a Bitcoin loan repayment option

Chatbot Integration The company was also the first consumer lender in the world to launch an automated lending chatbot

2017

FinTech Awards Reached Top 10 Alternative Finance in European FinTech Awards 2017. Received two Forbes Business Awards 2017 for “Financial Sector Innovations” and “Quality of Services”

Nexo Credissimo is powering the world’s First Digital Asset Institution based on blockchain technology

Board of Directors

Sokol Iankov Co-Founder & CEO
Chairman of the Board

George Karpuzov COO & Executive Director
Board Member

Kosta Kantchev Co-Founder & President
Board Member

Ivelin Kamburov CFO
Board Member

Constantine Krastev Co-Founder
Board Member

Asen Benev Co-Founder & VP Operations
Board Member

Awards

Top 10 in FinTech “Reached the Top 10 Alternative Finance companies in 2017” European FinTech Awards

Fitntech Innovations “Technology innovations in the financial services industry in Bulgaria” Forbes Business Awards

Favourite Brand “Favorite Financial Institution and Favorite Brand” MyLoveMarks

Social Responsibility “Contributing to the overall social responsibility and charity” Business Lady

Press Coverage

EY Bulgaria - CFO of the Year 2016 winners

See news - Bulgaria’s Credissimo signs key partnerships with Bitcoinpay, Facebook - See more at: https://seenews.com/news/bulgarias-credissimo-signs-key-partnerships-with-bitcoinpay-facebook-580936#sthash.hbI8ei2Y.dpuf

Puls Biznesu - Bułgarzy zaoferują pożyczki Polakom

Geographical Presence