The lending companies behind your investments

See who issues and services the underlying loans, how each business operates and which contractual obligations apply before you invest.

Hive5 colleagues collaborating in a bright modern workspace

One group.
Separate responsibilities.

All lending companies shown here are part of Hive Finance Group. Hive5 operates the marketplace and facilitates the investment process. Each lending company assesses borrowers, issues and services its own local loan portfolio, manages repayments and remains responsible for the contractual obligations attached to its loans.

Hive5 marketplace

Presents claim-right investment opportunities and facilitates the investment process between investors and the relevant lending company.

Loan originator

Assesses borrowers, issues the underlying loans, manages repayments and services its own loan portfolio in the local market.

Separate obligations

The buyback obligation and any group guarantee are presented separately, with the responsible provider and applicable conditions identified.

View financial details

Know the company. Understand the investment.

Review each loan originator’s legal identity, lending model, investment terms, and contractual obligations.

Romania

Regulated revolving credit built for repeat use

Credilink’s Romanian consumer-finance model is built around fully digital revolving credit lines. Approved customers can draw, repay and reuse available credit within the agreed limit instead of applying for a new one-off loan each time. This repeat-use structure is designed to support customer retention, lower acquisition costs over time and more predictable portfolio cash flows.

Check for more details at www.credilink.ro

Company identity

Legal entity: We Finance IFN S.A.
Registration details: CUI 38651006
Regulatory position: BNR-registered non-bank financial institution<br>General and Special Registers

Loan profile

Borrower segment: Consumers
Core product: Revolving credit lines
Repayment structure: Monthly repayments with reusable credit

Contractual obligations

Buyback obligation: Applies
Group guarantee: Applies

Poland

SME finance based on real business performance

Firmeo focuses exclusively on financing Polish entrepreneurs and SMEs for working capital, equipment and business growth. Its fully digital underwriting assesses actual cash flow and operating performance—not only traditional collateral—so credit decisions reflect how each business actually operates. The company applies lending and risk-management expertise developed within Hive Finance Group’s Polish operations to the SME market.

Check for more details at https://firmeo.com/en-pl/

Company identity

Legal entity: Firmeo Business Finance sp. z o.o.
Registration details: KRS 0001190820
Regulatory position: Business-only non-bank lender; KNF consumer-lending registration is not required

Loan profile

Borrower segment: Entrepreneurs and SMEs
Core product: Business instalment loans
Repayment structure: Scheduled instalments

Contractual obligations

Buyback obligation: Applies
Group guarantee: Applies

Spain

Direct, data-led lending from application to repayment

FinJet brings the full short-term consumer-lending journey under one digital operating model in Spain. Online application, identity verification, bank-data analysis and credit scoring are integrated through to disbursement and repayment. This gives the company direct oversight of credit decisions, customer communication and loan servicing, while supporting continuous refinement of its risk and scoring processes.

Check for more details at https://www.finjet.es

Company identity

Legal entity: Nectar Capital S.L.
Registration details: CIF B67420703
Regulatory position: Non-bank consumer lender<br>Not supervised by the Bank of Spain

Loan profile