Credilink — the Romanian consumer-finance brand of We Finance IFN S.A. and part of the broader Hive Finance Group — has reached a major operational milestone: over 3,000 loan disbursements across 2,143 active credit lines and €1 million in cumulative loan volume within just seven months since launching on the Hive5 marketplace. To mark the next phase of its growth, Credilink is now opening a 2-year loan placement at 14,5% annual interest to investors.
Portfolio Quality
From the very first months of operations, the Credilink loan portfolio has consistently generated positive returns for Hive5 investors, with all portfolio-level financial indicators trending in the right direction. This early performance was achieved while deliberately operating within conservative credit exposure limits. This disciplined foundation sets the stage for the accelerated growth phase ahead.
The repeat customer model
Credilink offers borrowers a revolving credit line rather than a single one-off loan. Each line is issued with a 24-month term. The benefits of this model compound over time:
- Existing customers reuse the line instead of being acquired from scratch
- Lower acquisition cost per loan as the borrower base matures
- More predictable cash-flow patterns at portfolio level
- A friendlier customer experience that builds loyalty
The result: more than 60% of Credilink's client community has come back to reutilize their credit line — a strong signal of product–market fit in the Romanian consumer-finance segment. On average, each credit line has generated ~1.4 disbursement transactions, with that ratio expected to compound as the borrower base matures.
Monthly growth: disbursement trajectory
The first seven months show steady scaling of both loan volume and ticket size:
|
CREDIT LINES 2,143 |
DISBURSEMENTS 3,000+ |
TOTAL VOLUME €964,252 |
AVG. LOAN €262 → €470 |
Cumulative monthly trajectory shown October through April (the first seven full months of operations). May activity brings the total to €964,252 across 3,000+ disbursements.
Two trends stand out:
- The cumulative disbursed amount has grown at roughly 30% per month on average over the Oct–Apr period.
- The average loan size has nearly doubled between October (€262) and April (€470), reflecting both growing trust in the underwriting process and a maturing borrower base.
Regulated Non-Banking Financial Institution
We Finance IFN S.A. operates as a fully licensed Non-Banking Financial Institution under the direct supervision of the National Bank of Romania (BNR). This reflects a long-standing commitment to regulatory compliance.
The NBFI license requires ongoing adherence to:
- Capital adequacy standards
- Mandatory financial reporting
- Consumer-protection obligations
For investors
The early months absorbed operational risk and proved the model. Credilink's focus for the year ahead is to stabilize its market traction framework and operational setup, and to reach break-even by year-end.
The 2-year loan placement on Hive5 is the signal that Credilink is moving from stabilization into deliberate growth — and the opportunity for investors to participate in that next chapter on the following terms:
- 14.5% annual interest — fixed rate for the full 2-year term
- +1% loyalty bonus — additional yield available to eligible returning Hive5 investors
Combined, this can deliver up to 15.5% annual yield on a business-loan instrument backed by a fully regulated, operationally proven lending platform.
While the placement is structured as a 2-year commitment, Hive5 is launching a secondary market by September — giving investors a path to early liquidity if their plans change before maturity.
