We are delighted to share that hive5 has achieved another milestone – we have surpassed
8 000 000€ in total invested amount since our inception! 
This achievement would not have been possible without the trust and support of our investors. We express our gratitude to each and every one of you.
Once again, thank you for your continued support!
The short answer could be: now. However, everyone should consider their knowledge and the global economic situation before deeply diving into investing. So, when is the best time to invest personally and economically?
The best personal time for investment
We advise you to follow the main simple steps before putting your earned money into an investment vehicle.
Firstly, ensure you have an emergency fund, which means do not put all your money into investing. Secondly, you should figure out your budget and your risk tolerance. If investing in the financial markets might sound highly complex, we know the easier and more predictable way of investing and earning money regularly. It is P2P lending. Here are some reasons why:
1. It is simple. Online P2P platforms are very easy to navigate, even for beginners
2. You can invest for a short period; for instance, on hive5 you can earn your first investment return in less than 30 days
3. You do not need to put in a huge amount of money at once; you can start from 10 Eur or 50 Eur
Even though there’s no one-size-fits-all investment strategy, the primary strategy that must always be followed is to diversify your money and have an emergency fund in case any unexpected situation may appear.
If you have researched the trustworthy P2P platform, checked who owns the company and ensured it provides the buyback guarantee, you can start investing and make it a monthly routine that will serve you well for decades.
A smart investment for companies
Moreover, recently we have received much positive feedback from companies investing on hive5. They are satisfied with a simple registration process. Consequently, there is no bureaucracy, no documents, and long processes. One of our clients shares a positive experience with earning 600 Eur per month, which pays off the cost of one cars leasing.
Thus, today is the best time to invest, as companies can earn money from the account instead of keeping it in cash.
The current global situation
Recently the S&P 500 has gotten out of the bear market territory. Even though it is a positive sign, economists think it could take years to stabilise the market. However, investing in consumer loans on trustworthy P2P platforms could steady investment portfolios in this shaky market.
Furthermore, the predictability of returns is one crucial way P2P loans and the stock market differ. Unlike the stock market, P2P lending gives investors the expected returns and repayment schedule. You choose the period and annual return.
Luckily, now investing in P2P loans offer relatively high returns of 10% and even 14% on hive5, in contrast to the stock market or bonds, which are typically said to offer an annual lower return on average.
Investing on P2P platforms objectively is a very wise choice nowadays.
We’re thrilled to announce that hive5, the fastest growing loan investment marketplace, has surpassed a major milestone by funding over 3 million in loans since its inception. This achievement is a testament to our commitment to providing investors with lucrative opportunities to earn attractive returns.
We owe our success to the hard work and dedication of our team, as well as the trust and support of our investors. And we are proud to be a marketplace that offers a reliable and trustworthy platform for private investors, high-net-worth individuals and companies seeking to invest in loans.
As the feedback from our investors is valuable to us, we welcome any suggestions on how we can enhance the hive5 experience. We are grateful for the opportunity to serve our investors and will continue to provide lucrative investment opportunities with competitive returns. Thank you for being a part of the hive5 community!
Time flies, as it’s been six months since the inception of hive5. We have reached significant business achievements in this first half of the year. Therefore, we are more than happy with a loyal and highly professional team, growing results and, most importantly, the best community of more than 500 investors. It is fascinating to see this number growing rapidly every month. Investors appreciate that we provide an opportunity for quick turnover of the invested money. After testing the platform and investing in short-term loans, we noticed that most investors extended the period and increased their investments.
Let’s take a look at January’s main numbers:
The first month of the year has brought us many ambitious plans. Thus, we continuously work as hard as possible to ensure stable platform growth and simplify investment processes for every investor.
If you have any suggestions or need a piece of advice, just let us know: support@hive5.com
It is no surprise that high-net-worth investors like alternative investing options. Usually, after trying many different investments, alternative investments occupy a significant part of their portfolio. Accordingly, the recent trend is investing in personal and business loans on P2P platforms.
For instance, let’s take a look at the hive5 statistics:
Therefore, we want to share why high-net-worth investors choose hive5 and the main criteria of their onboarding procedure:
1. Shareholders’ reputation. Professional investors always know who controls their money and whether they can trust the company. Hive5’s ultimate beneficiaries and shareholders, Ricardas Vandzinskas and Andrius Rupsys, have an impeccable reputation. They are well-known professionals in Lithuania. Additionally, they invest a significant amount of money themselves.
2. Transparency and publicity. From the beginning, we transparently and comprehensibly disclose the company’s organisational structure, the group companies and their operating model.
3. Team track record and professionalism. Long-term fintech professionals manage every team of our group companies; we always share their Linkedin profiles with detailed track records and significant achievements in financial and technology fields.
4. Risk management. Risk management is another critical aspect of trusting the P2P platform. We have noticed that especially high-net-worth investors try to determine how loan originators manage the risk. Here are the main details of how we ensure excellent risk management:
5. Due diligence of other trusted investors. It is essential to know if other professional investors trust the platform. We want to share public and professional investor profiles in different EU countries. They started cooperating with us only after a detailed due diligence process of hive5. For more details on the assessments carried out, see the following links:
High-net-worth investors know that our platform is one of the best options to fight inflation and save money; also, it is a perfect short-term investment. The investor receives repayments with the principal (or part of it) and interests as monthly payments. In case investor need money in a short period, you could get your first return even less than in 30 days, it is your choice: reinvest or withdraw your funds.
Continuously diversify and choose wise investment options.
We are delighted to start the new year with a review of a very successful December. We reached a total loan volume of 929 092 Eur in the previous month. It was again a record-breaking month, as we managed to grow results by 86% compared to November. And it is only the beginning; undoubtedly, 2023 will bring new exciting records for the company. We can promise to work hard on it.
Let’s take a look at December’s main numbers:
• 929 092 Eur – the invested amount in December (86% vs November)
• 2 061 851 Eur – total loan volume financed since inception
• 745 070 Eur – repaid amount from the inception
• 21 629 Eur – total repaid interest amount
• 2 135 – number of loans originated in December
• 14,70% – average nominal interest rate of loans originated in December
• 431 – the total number of investors
We have entered 2023 with very ambitious goals, some of which we will implement very soon. For instance, our Loan originator “Ekspres Pozyczka” has already received approval for a license and will be the first Consumer Lending company to issue credit cards in Poland. We cannot wait to offer to invest in this new and fascinating project. Additionally, “Ekspres Pozyczka” is getting an even more trustworthy company by placing in the MIP registry (The Small payments institution) in KNF (The Polish Financial Supervision Authority). The company only needs to finalize all necessary documents for KNF requests (procedures, plans, etc.).
What’s more, in December, hive5 was recognized as the fastest-growing P2P company by Todocrowdlending.com. It is a very nice and encouraging recognition and will remind us to keep growing.
If you have any suggestions or need a piece of advice, just let us know: support@hive5.com
2022 could be called a year full of challenges: the increasing cost of living, rising energy prices and a fear of a coming recession. Should we still tighten our belts? Or could we expect any positive changes in 2023? Let’s take a deeper look at some of the investing trends for the upcoming year.
Undoubtedly, the most significant financial concern is the cost-of-living crisis. Consumer budgets are being impacted by high inflation, and that’s been a crash to stocks. It is not a secret that now more than ever, investors need to be very tactical and pay close attention to the economy, legislative and regulatory policy, says Mike Wilson, Chief Investment Officer and Chief U.S. Equity Strategist for Morgan Stanley. “Because we are closer to the end of the cycle at this point <…> trends for these key variables can zig and zag before the final path is clear”,- says Wilson.* Recently the S&P 500 has gotten out of the bear market territory. Even though it is a positive sign, economists think it could take even years before the market becomes relatively stable. For this reason, the majority of investors should remain cautious.
However, many investors see the light at the end of the tunnel as the survey of over 2,000 retail investors across Europe, Asia and the U.S., found that over 80% think the worst of the stock market rout will be over within six months. Additionally, despite the cost-of-living crisis, most individual investors plan to invest the same amount or more in 2023 (according to a new survey from London-based investing insights platform Finimize).**
Despite the uncertainty of the economy, we should keep investing in outplacing inflation and saving money. Moreover, we think that times of uncertainty bring opportunity. Accordingly, a global media company, “The Forbes”, has shared the top investing trends for 2023, one of them being an alternative investment. They have noticed that “2023 holds promise for alternative investments finally earning a place in everyday investor portfolios.”***
It is important to note that the demand for consumer loans will remain high in the coming years. Undoubtedly, investing in consumer loans on trustworthy P2P platforms could steady investment portfolios in this shaky market.
Finally, we want to remind you of the main advantages of investments in P2P platforms: you can expect regular income, it is easy to withdraw money quickly if needed. Additionally, especially now, we cannot find any other investment choice more reliable than most P2P platforms.
*https://uk.finance.yahoo.com/news/global-investment-outlook-2023-markets-060026953.html?guccounter=1
**https://www.cnbc.com/2022/12/08/retail-investors-say-stock-market-will-bottom-in-2023-finimize-survey.html
***https://www.forbes.com/advisor/investing/top-investing-trends-2023/
Greetings to investors, and what to expect in 2023?
The new year is almost around the corner, so today, we thank you for choosing us and believing in our new and ambitious team in 2022. We are thankful for our investors, business partners and the entire community. It was a pleasure to grow business with you. You are the greatest. Also, we are looking forward to what awaits us in 2023. Indeed, a new year will bring new possibilities. We wish you to notice and use them wisely.
What’s going to change for the business in 2023? Firstly, let us answer what’s going to stay the same. We will continue to work hard on increasing your trust in our investment platform and keep working on making it simple to understand and easy to use. Additionally, our focus will remain on regular and transparent communication with the investors’ community. We know that all the energy we put into business today will pay dividends in the coming years, like your investments in our platform do.
It is important to remember that a constantly improved business plan is the foundation of a strong business. Thus, in 2023 we will keep the promise to offer diversification on our platform. We plan to enter new markets to spread the word about our investment platform. Moreover, we will give you more opportunities to invest in new types of loans. Last but not least plan is to expand the team by finding new ambitious and professional team members.
Finally, do not miss out on the essentials for this holiday season. And that means enjoying and appreciating time with family and friends.
We wish you a Merry Christmas and Happy New Year.
Today we would like to introduce our COO of our holding company Hive Finance, Alex Teslenko from Ukraine. During this interview, we can learn not only about his work experience and daily tasks but also about the extremely difficult daily challenges he has been facing since February 24, when Russia invaded Ukraine and began to commit brutal war crimes.
1. Firstly, tell us briefly about yourself and your work experience.
I have been working in the financial industry for over 20 years. Mostly I have worked in different banks and non-banking financial companies. Among them, I worked as the General Director of the representative office of EOS Holding GmbH in Ukraine, the head of the collection at Unicredit Bank in Ukraine, and the General Director of the largest debt purchasing company in Russia – FCB. Also, my last job was as the COO of one of the largest micro-credit organizations in Ukraine before I joined the “Hive Finance” team in August 2022.
2. What are your daily tasks and responsibilities at “Hive finance”?
Based on my experience, when you work in a startup, it is always easier to describe the role than the responsibilities. Generally speaking, my role is to ensure stable growth in the future. With years of experience in organizing operations in large companies, I usually do everything right from the beginning. Together with a team, we are building the foundation for risk-free operational growth. Every day we face new challenges, and we need to find the right solutions, which is my duty and my great pleasure.
3. What do you like the most about “Hive Finance”?
First of all, I want to note our team’s friendly atmosphere. Over time, I became convinced that this is one of the main business success factors. When professionals get together, there are no obstacles for them. Moreover, it is easier to achieve any goal when you feel pleasure in doing your daily tasks.
Additionally, I like the fast speed of decision-making and the lack of boundaries. For instance, we just had a meeting with the Lithuanian team, and in a minute, we discussed important issues with our colleagues from Poland. It is exciting.
4. As we know, you currently live in Kyiv, Ukraine. What are the biggest challenges you face working in a war zone?
The war has brought multiple problems. Those problems would have been hard to imagine a year ago. For example, the electricity is turned off for 1-2 days during freezing temperatures, or Russian missiles fly 100 meters from home. However, I don’t like to complain when our army fights bravely against the enemy for our freedom. Thanks to them, we can work and help the country.
5. How does your work day look like?
It hasn’t changed much since COVID-19. I have a lot of online meetings and computer work. Luckily, I live outside the city, so I can walk and breathe the fresh air here. I also use a treadmill to exercise to compensate for sedentary work.
Investing on P2P platforms. The main risks and securities
From the beginning, one of our primary business ambitions was to give people a fairer and more humane investment option. Thus, we can promise that regardless of net worth, everyone is treated fairly by hive5 because we want you to succeed. Nevertheless, the first thing that you should know, all investments are associated with a certain level of risk. Secondly, it’s essential to understand those risks and the best practices to navigate any investment platform safely. To minimise the risk, our team offers a combination of securities. So, let’s take a closer look at risks and securities that provide P2P platforms and, importantly, hive5.
Default risk
Generally speaking, one of the main P2P lending risks is that a borrower won’t pay back the loan or take too long to pay it back. The consequences if it does differ by P2P lending platform. For that reason, hive5 and other platforms offer a buyback guarantee. It protects against losses and helps investors feel more confident about their funds. In other words, it is an agreement between the loan originator and the investor. However, not all P2P platforms offer this protection, and each is managed differently.
Our friendly advice would be that when investing in P2P lending, you should focus on loans with buyback guarantees or (and) business loans that are backed with collateral. A buyback guarantee means you will operate on a four-party business model comprising a borrower, investor, the P2P platform, and the loan originator. For that reason, the whole operation is more complex than the three-party business model without an independent loan originator.
Buyback at hive5
For instance, at hive5, all loan originators must buy back the loan by 60 days after the loan payment due date. Not only loan principal but also accrued interest shall be repaid in full. In addition, all our “Hive finance” group entities have a corporate policy to allocate at least 10% of equity into the provision funds, which shall be used as a buffer to secure our investors’ funds in case our Loan originator faces some financial difficulties. Additionally, our own skin in the game makes us different from the other P2P companies.
It is necessary to note that each borrower that applies for a loan from our loan originators goes through an in-depth credit risk scoring procedure to receive the loan. At hive5, you can invest only in loans that have gone through strict credit scoring procedures.
The transparency of the business
If you want to invest on any P2P platform, it’s essential to research the company and business owners you are considering. It would be best to look first at the team behind the marketplace and how well they’ve covered possible risks. Only trust a company which communicates about the CEO and business owners.
Hive5 team are full-time investors, so we know how vital is businesses’ transparency and reliability when choosing an investment platform. We are always ready to provide all the necessary tools to manage investment risk and advice you during the investment journey. Moreover, the whole team invest on our platform too. Thus, as you are, we are investors and want to make profitable investments.
Always diversify
If you want to minimise the risk of losing invested funds, rule number one is: always diversify your investments. To achieve a diversified portfolio, invest a small amount of money in loans from different countries and types of loans and choose a few different investment platforms.
We have launched the platform by allowing investors to choose from consumer and business loans. That is only the beginning; soon enough, we will introduce many more secured business lending products. P2P lending is an excellent tool to fight inflation and save money; also, it is a perfect short-term investment if you know the risks and how to mitigate them.
