Loan Originators

www.aasaglobal.com

Aasa Global was established in 2010. Aasa's mission is to provide fast and convenient access to financial products and services based on transparency, promptness, simplicity and safety. Currently the Group is operating in Poland, Finland and Indonesia, and plans to expand in other European countries. The company currently employs more than 100 people in Poland through its subsidiary Aasa Polska. Aasa Polska has more than 167 000 active loans. Over the last 12 months, they have successfully tripled their outstanding loan portfolio in Poland to EUR 61 million while reporting positive operating and net results.

Founded:2010
Employees:117 (as of January, 2017)
Loans originated:EUR 152 million (as of January, 2017)
Skin in the game:5%

Fact Sheet  I  Presentation  I  Financials  I  Loan Agreement

www.nordlizing.lv

NORD līzings was founded in 2011 and began offering auto leasing services starting in 2014. Since beginning operation, it has issued more than EUR 70 million in loans. The company's employees have more than 10 years of experience in the lending sector, ensuring quality in their lending services. NORD līzings vision is to lead the non-bank sector in flexible and quality leasing services. The company uses the newest IT solutions, which allows for fast and efficient data processing and loan issuing decisions.

Founded:2011
Employees:18 (as of January, 2017)
Skin in the game:15%

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www.ifnextrafinance.ro

Extra Finance was founded in 2009 and is authorized by the National Bank of Romania. Extra Finance has been operating for more than eight years and the business has branches in three Romanian cities. Extra Finance also cooperates with the largest credit brokers in Romania, including Kiwi and Adwiser. Last year, Extra Finance had a revenue of EUR 13.5 million, with earnings slightly above the EUR 1.8 million mark. Their loan portfolio was EUR 9.3 million.

Founded:2009
Employees:28 (as of January, 2017)
Skin in the game:10%

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www.itfgroupbg.com

ITF Group was founded in December 2012 in Bulgaria. ITF Group is regulated by the Bulgarian National Bank. It currently employs more than 40 people and has six offices in major Bulgarian cities. ITF Group is known on the Bulgarian market as a reliable and fast-growing non-bank financial institution with a customer satisfaction score of more than 96%. Since beginning its operations, ITF Group has served more than 35 000 clients.

Founded:2012
Employees:46 (as of December, 2016)
Loans originated:EUR 4.4. million (as of December, 2016)
Skin in the game:10%

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www.aventusgroup.eu

Aventus Group is an innovative and successful payday lender holding a strong position in the Czech Republic, Georgia, Latvia, and Poland. Aventus Group was founded in 2009 in Lithuania, and the group's businesses currently employ more than 85 people. Since beginning its operations, Aventus Group has served more than 500 000 clients. As of June 30, 2016, Aventus Group had a loan portfolio of EUR 12 million.

Skin in the game:10%

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creditstar.pl

Creditstar is one of the leading non-bank lenders in Europe, offering unsecured consumer loans. The company is headquartered in Estonia, where Creditstar is a market leader with a 40% market share. Creditstar has established subsidiaries and provides services in Estonia, Lithuania, Poland, the Czech Republic, Finland, Sweden, Spain, and the United Kingdom. The aggregate loan portfolio of Creditstar Group was EUR 34 million as of March 31, 2016.

Skin in the game:15%

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www.agrocredit.lv

AgroCredit is a non-bank loan originator that issues Latvian farmers loans secured with grain sale contracts. Farmers use these loans to finance necessary agricultural inputs and other working capital needs. Since starting its operations in 2011, AgroCredit has issued loans to several hundred farms in Latvia, all together financing over EUR 20 million in loans. As of Dec. 31, 2015, AgroCredit's loan portfolio was EUR 4.1 million, but it is expected that by the end of the 2016 season, it will exceed EUR 6 million.

Founded:2011
Loans originated:EUR 20 million (as of July, 2016)
Skin in the game:10%

Fact Sheet  I  Presentation  I  Financials  I  Loan Agreement

lendo.ge

Lendo is a non-bank loan originator from Georgia that offers short-term, unsecured consumer loans. The company has offices and offers loans in Georgia's largest cities —Tbilisi, Batumi, Kutaisi, Zugdidi, Gori, Rustavi, Telavi, Poti, etc. All loans are issued at company branches. In the future. The company also plans to add more services, such as international bank transfers and currency exchange.

Lendo is a related party to Mintos as per IAS24 definition.

Founded:2016
Employees:243 (as of February, 2017)
Skin in the game:10%

Fact Sheet  I  Presentation  I  Loan Agreement 

www.kreditogarantas.lt

Kredito garantas is one of the fastest-growing non-bank mortgage lenders in Lithuania. The company grants loans against real estate collateral to both individuals and businesses. Kredito garantas is owned by one of Estonia's largest mortgage lenders, Omega Laen, which also has a subsidiary and grants loans in Poland.

Founded:2011
Employees:5 (as of June, 2016)
Loans originated:EUR 4 million (as of June, 2016)
Skin in the game:10%

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www.acema.cz

ACEMA is one of the leading non-bank mortgage lenders in the Czech Republic and has been working in the market since 2002. ACEMA has set responsible lending as an essential criterion for its work, so that the company will be the first choice for Czech residents looking to meet their financing needs. To strengthen its market position in the Czech Republic, ACEMA has set up a network of sales agents across the country. In 2015, the company issued more than 500 loans for a total amount in excess of EUR 14 million. As of Dec. 31, 2015, the total assets of the company were more than EUR 36 million and profit from the core business in 2015 was EUR 4.4 million.

Founded:2002
Employees:45 (as of July, 2016)
Loans originated:EUR 28 million (as of May, 2016)
Skin in the game:5%

Financials  

www.afortifinance.pl

Aforti Finance is a non-bank lender that lends to small and medium-size businesses in Poland. Aforti Finance offers its services in four regions of Poland: Central Poland, Pomerania, Greater Poland, and Silesia. The company is part of the Aforti Holding, which is listed on the Warsaw Stock Exchange (the New Connect Alternative Stock Market). In 2015, the Aforti Holding’s revenues were EUR 10.2 million, with a profit of EUR 136 thousand, and total assets of EUR 4.5 million.

Founded:2012
Employees:13 (as of December, 2016)
Loans originated:EUR 1.3 million (as of December, 2016)
Skin in the game:5%

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www.banknote.lv

Banknote was founded in 2009, and has become a trusted partner for more than 300 000 people across Latvia. Banknote offers personal loans, international bank transfers, and secured loans using personal property as collateral (pawnbroking) in its 96 branches across Latvia. In 2015, Banknote extended 400 thousand loans for a total of EUR 24 million. The company's consolidated net profit for the first half of 2015 was EUR 1 million.

Banknote is a related party to Mintos as per IAS24 definition.

Founded:2009
Employees:304 (as of December, 2015)
Loans originated:EUR 74 million, of which EUR 31 million is from loans without collateral (2013-2015)  
Skin in the game:5%

Fact Sheet  I  Presentation  I  Financials  

www.capitalia.lv

Founded in 2007, Capitalia is a go-to lender for small and medium-sized enterprises that are seeking fast, simple, and transparent financing to grow their business. To date Capitalia has lent more than EUR 10 million to over 500 companies. As part of Altum, Capitalia also provides government-supported loans. In 2014, Capitalia issued bonds of EUR 1 million that are traded on the NASDAQ OMX Baltic market.

Founded:2007
Employees:11 (as of May, 2016)
Loans originated:EUR 14 million (as of May, 2016)
Skin in the game:5%

Fact Sheet  I  Presentation  I  Financials  I  Loan Agreement

www.creamfinance.com

Founded in 2010, Creamfinance is a leading tech-focused consumer loans company offering multiple credit products for lower and middle-income borrowers in emerging markets. Creamfinance works in six countries – the Czech Republic, Denmark, Georgia, Latvia, Poland, and Slovakia. Creamfinance employs 210 people across its offices and is lending at a EUR 60 million per year run rate.

Founded:2012
Employees:220 (as of May, 2016)
Loans originated:EUR 25 million (as of May, 2016)
Skin in the game:5%

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debifo.lt

Debifo is the first and leading invoice finance provider for small and medium-sized enterprises in Lithuania. Debifo seeks to help businesses expand by unlocking working capital stuck in outstanding invoices. Debifo clients provide products and services to trustworthy and large corporations in a wide array of business sectors. Since May 2015, Debifo has financed over EUR 3.6 million in invoices.

Founded:2015
Employees:3 (as of May, 2016)
Loans originated:EUR 2.1 million (as of May, 2016)
Skin in the game:5%

Fact Sheet  I  Presentation  I  Financials  I  Loan Agreement

www.hipocredit.lv

Founded in 2014, Hipocredit issues mortgage loans to both private individuals and companies all across Latvia. The team consists of five people; most of the functions are outsourced (e.g. real estate valuation, legal advice, notary services). To date, Hipocredit has issued more than 500 mortgage loans for EUR 5.5 m.

Hipocredit is a related party to Mintos as per IAS24 definition.

Founded:2014
Employees:8 (as of November, 2016)
Loans originated:EUR 5.5 million (as of November, 2016)
Skin in the game:2%

Fact Sheet  I Presentation  I  Financials  I  Loan Agreement

www.manounija.lt

Founded in 1996, MANO UNIJA is among the largest credit unions in Lithuania, with operations in the city of Vilnius and its district and in the district of Trakai. To date, MANO UNIJA has issued more than 356 corporate loans totaling EUR 12 million. The company also provides mortgage, car, and consumer loans. Owned and operated by 3 thousand members, MANO UNIJA provides a safe place in which to invest money and a fair and trusted place from which to borrow. The MANO UNIJA administration and management team includes 17 experienced financial services professionals, lawyers and representatives, who are working to ensure the credit union’s continued success.

Founded:1996
Employees:20 (as of May, 2016)
Loans originated:EUR 16 million (as of April, 2016)
Skin in the game:5%

Fact Sheet

www.mogofinance.com

Mogo is the largest non-bank lease and car loan provider in its region with operations in Estonia, Georgia, Latvia, Lithuania, Poland and Romania. Mogo has lent a total of more than EUR 65 million in loans since the company was founded in 2012. In 2014, Mogo issued bonds of EUR 20 million that are traded on the NASDAQ OMX Baltic market. In 2015 Mogo attracted EUR 23.2million mezzanine funding to support further expansion. Mogo currently employs more than 200 employees, while the number of active customer exceeds 33 000.

Founded:2012
Employees:208 (as of December, 2016)
Loans originated:EUR 150 million (as of February, 2017)
Skin in the game:5%

Fact Sheet  I  Presentation  I  Financials  I  Loan Agreement