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.
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
132
Employees
63,000
Loans Disbursed in 2016
1,000,000
Loan Applications
BBB-
Credit Rating Upgrade
78%
Returning Customers
320,000
Unique customers
5
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 2017F
Since Inception EUR 95M Loans Granted
EUR 124M Cash Collected
Audited by: Deloitte logo
Cash Collected
Loans Granted
in EUR millions
EU flag
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 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 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 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 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
credissimo was born Founded 2007
Credissimo Founded 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
Process Automation Proprietary Process Automation Credissimo developed in-house an innovative technology that introduced automated instant credit approval 7 days a week
2013
Mobile Adoption Mobile Adoption Development of user-friendly mobile website and iPhone/Android apps helped the company reach over 1,000,000 online loan applications
Utility Bill Payments 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 Initial Public Offering (IPO) On May 7 2014 Credissimo successfully listed 2.5 million shares on the public markets
Association for Responsible Non-Banking Lending Co-founded ARNL Co-founded of the Association for Responsible Non-Banking Lending (ARNL)
2015
Big Data Scoring Big Data Scoring & Analytics Adopting Machine Learning and Big Data technologies further enhanced Credissimo’s loan scoring algorithms
2016
Bitcoin Bitcoin Repayment Option Credissimo pioneered a Bitcoin loan repayment option
Facebook chatbot Chatbot Integration The company was also the first consumer lender in the world to launch an automated lending chatbot
2017
European FinTech Awards 2017 FinTech Award Reached Top 10 Alternative Finance in European FinTech Awards 2017
digital asset bank Digital Asset Financing Credissimo is powering the world’s First Digital Asset Institution based on blockchain technology
Board of Directors


Sokol Iankov Sokol Iankov Co-Founder & CEO
Chairman of the Board
George Karpuzov George Karpuzov COO & Executive Director
Board Member
Kosta Kantchev Kosta Kantchev Co-Founder & President
Board Member
Ivelin Kamburov Ivelin Kamburov CFO
Board Member
Constantine Krastev Constantine Krastev Co-Founder
Board Member
Asen Benev 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
Innovation of the Year “Marketing and PR Innovation” and “Most Innovative Idea of the Year 2015 and 2017” B2B Media
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 Digital Journal - Bulgaria's Fintech Company Credissimo Has Won Prestigious Awards for Implementing the First Ever Financial Chatbot


Geographical Presence


Credissimo in Europe