Categoría: Insights

En estos tiempos de incertidumbre, con la economía lidiando con una alta inflación y tasas de interés crecientes, muchos inversores se vieron obligados a cambiar sus estrategias de inversión por un tiempo. Pero, ¿cómo podemos mantener los portfolios de inversión equilibrados? Como inversores, deberíamos construir nuestro plan financiero basándonos en factores dentro de nuestro control. Crear un plan de inversión con puntos de entrada y salida claros es una parte clave de ser un inversor disciplinado y será una habilidad que se mantendrá útil durante muchos años. .* Ahora, podemos estar más seguros de que invertir en plataformas de préstamos P2P podría ser más seguro y más inteligente que otras opciones de inversión. Dejemos que los hechos hablen por sí mismos.

Ingreso regular

Normalmente, los inversores no reciben ingresos instantáneos al invertir en acciones, bonos o propiedades. Mientras que los inversores que eligen plataformas P2P generalmente comienzan a obtener rendimientos desde el primer mes. El inversor recibe pagos mensuales con el principal (o parte de él) e intereses. Hoy en día, cuando no estás seguro de si necesitas dinero a corto plazo, invertir en préstamos a corto plazo es una elección sabia. En Hive5 , podrías obtener tu primer rendimiento incluso en menos de 30 días.

Baja volatilidad

Si eliges la plataforma P2P, mantener tu dedo en el pulso es fácil. Siempre puedes retirar tu rendimiento mensual o reinvertirlo. No habrá subidas y bajadas inesperadas, a diferencia de otras inversiones como fondos mutuos o criptomonedas, donde los rendimientos dependen del rendimiento del mercado. Los rendimientos del préstamo P2P se determinan al vencimiento del préstamo.

Seguridad y mayor control

Es obvio que todas las inversiones conllevan cierto grado de riesgo. Sin embargo, el riesgo más importante en los préstamos P2P es el riesgo de incumplimiento. Dependiendo de la plataforma P2P en la que inviertas, puedes tener cierta seguridad de tus fondos. Va desde ninguna hasta recompra, hipoteca o garantía. Afortunadamente, Hive5 protege los fondos invertidos al ofrecer una garantía de recompra en caso de retrasos en los pagos de más de 60 días. A diferencia de los riesgos asociados con otras inversiones vinculadas al mercado, los inversores tienen un control más alto sobre sus activos. Sabemos que controlar la estrategia de inversión es extremadamente importante para muchos inversores. Damos poder y flexibilidad a los inversores, permitiéndoles elegir muchos factores, desde el tipo de préstamo hasta la duración del plazo y otros criterios que un prestatario debe cumplir para ser aprobado.

Un vistazo al futuro

Sin embargo, se ha generado temor a la inestabilidad económica, y es extremadamente complicado predecir el futuro de las acciones, criptomonedas, precios de bienes raíces u otras opciones de inversión. Sobre todo, invertir ayuda a alcanzar tus metas financieras. Así, según las recientes conversaciones con blogueros de inversión y otros inversores sofisticados, sabemos que muchos han trasladado actualmente sus inversiones de otras clases de activos a plataformas P2P. Este movimiento es razonable, ya que ahora los economistas están de acuerdo en la futura creciente demanda de préstamos al consumidor. Hive5 ofrece invertir tus fondos no invertidos en préstamos de un mercado estable en Polonia. Nuestro equipo también prefiere invertir allí.

Siempre elige una opción de inversión sabia.

*https://www.businessinsider.com/personal-finance/investing-advice

El crowdfunding es una de las formas más fáciles de ir más allá de los métodos tradicionales de financiamiento empresarial. Aunque en muchos países este tipo de financiamiento no ha estado regulado oficialmente durante años, el 10 de noviembre de 2021 entró en vigor la Regulación sobre los Proveedores de Servicios de Financiamiento Colectivo Europeo (ECSP) para empresas. Las reglas entran formalmente en aplicación desde el 10 de noviembre de 2021 hasta el 10 de noviembre de 2022 (con la posibilidad de extender la fecha hasta el 10 de noviembre de 2023). El nuevo estatus ECSP permitirá la operación en cada Estado miembro de la UE sin necesidad de autorización adicional.

Creemos que la nueva regulación potencialmente fomentará un auge del crowdfunding en Europa. Por lo tanto, muchas empresas financieras están entusiasmadas con esta nueva oportunidad que abre la puerta a que todas las plataformas de crowdfunding europeas soliciten un pasaporte de la UE basado en un conjunto único de reglas e inspira a ofrecer servicios de financiamiento alternativo transfronterizos. Al mismo tiempo, los inversores podrían beneficiarse, ya que el marco se basará en reglas claras y en poderes de supervisión internacionales sólidos y armonizados.

Aunque Hive5 se lanzó como una plataforma no regulada en Croacia, hemos tomado todas las medidas necesarias para proteger el dinero de los inversores. Al mismo tiempo, hemos comenzado la preparación de la solicitud para el procedimiento de «pasaporte» que permitirá la prestación de servicios de crowdfunding en la Unión Europea y el Espacio Económico Europeo. En consecuencia, estamos a la espera de las pautas actualizadas y claramente definidas del marco regulatorio ECSP, que se anunciarán en noviembre de este año. Sin embargo, hay alguna información anunciada con respecto a los nuevos principios y procesos de regulación:

• La plataforma de crowdfunding debe proporcionar una prueba de conocimientos para todos los inversores y, si es necesario, alertar al inversor sobre los riesgos involucrados en una inversión. Esta prueba determina el nivel de sofisticación de los inversores.

• La plataforma debe proporcionar protección al inversor mediante un período de reflexión para el inversor no sofisticado.

• Los inversores no sofisticados no deberían poder financiar un proyecto por más de 1000 euros o el 5% de sus activos netos, excepto después de aceptar los riesgos incurridos.

• Los inversores sofisticados deberían poder invertir sin límite de cantidad.

• También debería haber algunas limitaciones de marketing. Todos los mensajes de marketing y comunicación deben ser justos, claros y no engañosos.

Es importante tener en cuenta que, aunque se han publicado algunas pautas, el nuevo marco de financiamiento colectivo aún no está completo. Sin embargo, sin duda los mantendremos actualizados sobre este asunto.

* La publicación del blog se redactó utilizando las siguientes fuentes:

https://finance.ec.europa.eu/,

https://www.lemonway.com/en/replay/european-crowdfunding-regulation-ecsp-what-to-expect/

https://www.crowdfundinghub.eu/ecsp/

Every year, hundreds of thousands of people invest money through different P2P platforms in return for interest. Accordingly, the number of new platforms is growing rapidly. Before establishing «Hive5 «, we aimed to stand out from this huge P2P crowd. We know that, otherwise, reaching success could be very difficult. After many meetings and strategic sessions, we feel very confident with the strengths and uniqueness that we came up with. Every team member knows them; hence, now it is your time to learn more about why we are different from other investment platforms.

Know-how

Firstly, we know how business is done. Let the facts speak for themselves. The founders of «Hive5 «, Ričardas Vandzinskas and Andrius Rupšys, are both EU citizens with well-known business management profiles, Baltic Institute of Corporate Governance graduates – board, supervisory board, and audit committee members in large public and private international organisations with a business track record of multinational corporate finance and technology products development. They have been in global business management for over 15 years. Accordingly, they went through quite a few macroeconomic cycles and passed the exams in real time. Hence, they know how to manoeuvre large multinational organisations in good and bad times and when to make urgent changes if necessary. At the same time, they know the importance of maintaining a long-term vision, focusing on a sustainable business strategy and having solid relations with all stakeholders and investors.

Team of professionals only

Secondly, by saying «we have a team of professionals», we mean it. For instance, Head of Operations Inga Zubanovė and Head of Marketing and Communications Karolina Staugaitė worked at the second largest P2P platform in the EU. Alexey Kalevich, The Chief Technology Officer, worked at an international group of financial companies.

Regarding our first loan originator, «Ekspres Pozyczka «, – all the team members have great expertise in top finance companies. For example, before «Ekspres Pozyczka», CEO Wojtek Homan was an executive at «Provident Finance».

We love what we do.

Technology and risk management

What’s more important for not only business owners but all investors, as well, is risk management. Risk mitigation and management are our everyday priority tasks at the strategic levels of our daily operations. We are the second-to-none P2P organisation which shall shortly introduce COSO methodology-based enterprise management process. In addition, our first loan originator, «Ekspres Pozyczka», is among the few in the market who have recently implemented a revolutionary AI-based, multisource Big Data scorecard decision engine. It allows not only to filter the fraud but also correctly manage and plan the default and ensure a fast-forward scale of the quality loan portfolio in Poland.

Diversification and global scale

Finally, as every educated investor knows, the necessity of diversification; soon, investors could experience broad diversification on one platform by investing in many different types of loans. Thus, we will relentlessly diversify within two mainstreams:

1) Geographic: «Hive5» will phase its expansion into three continents: Europe, Africa and Asia.

2) Products: 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, such as Green (or sustainable) loans, Equipment leasing, Sustainable Estate loans and BNPL powered by e-commerce.

Special Offers

Everyone is welcome at «Hive5» today. If you are a professional investor or only a beginner, you should experience investing on our new platform right now, as we have prepared a limited-time offer for everyone. Only until 2022-09-22 the interest rates are increased by +1%, so we encourage all investors to enjoy earning an extra profit.

We believe we can make investing better by treating you fairly and transparently. If you need any help on your investment journey, we are always happy to help. Just let us know.

At the beginning of August, we launched our new investment marketplace, «hive5 «. Eventually, we want to briefly summarise our first business results and review some of the first feedback from the investors.

Here are some key metrics: (for the period 8th – 31st of August 2022):

• 228k Eur of listed loans on the platform;

• 110k Eur of funded loans;

• 13.04% of an average interest rate;

• 250k Eur of skin in the game. It is important to note that we aim to keep at least 10% skin in the game on all loans on the platform in the future;

• Currently you can earn up to 15% of annual return.

The first month was exciting and full of endless discussions, many hours of hard work and some satisfaction moments after the first made investment, the first conversation with the curious investor and the first 100k Eur of funded loans. Most investors are testing the platform and have started to invest a smaller amount of money, which is evident as the platform is still new in the market. Luckily, we have noticed that investors tend to invest repeatedly after receiving the first investment returns, which is a commendable habit. Also, soon we will receive larger investments from legal entities showing a significant interest in our platform.

Essentially, we know how important it is to keep a watchful eye on every feedback we get. So far, we feel pleased with the first reviews of «Hive5». A well-known investor and blogger of «P2Pmarketdata «introduced our platform to the market as a «Freshly launched P2P platform in the hands of two experienced professionals». It’s no surprise that investors consider transparency within the company as one of the top factors determining satisfaction of the investment process. Accordingly, we have received feedback from satisfied investors regarding our transparency and professionalism. For instance, the blogger who owns www.marcoschwartz.com says: «They also focus on complete transparency for investors, as well as providing a strong experience in the field with a highly skilled team <…> And indeed, they do have a really strong team. Their CEO for example, Ricardas Vandzinskas, has over 15 years of experience in the field of finance. <…> So definitely a strong team of professionals with a lot of experience in the P2P lending field, which is a really good point for this platform.»

In addition, we are excited to share other positive feedback from the satisfied investor, who owns a popular blog www.todocrowdlending.com; he says: «From the first moment, the degree of maturity and planning behind hive5 is surprising, a P2P platform that not only has a great projection and future ahead but also thanks to a selection of investment products that place it among the top of the market in these moments and a multidisciplinary team that brings together the experience and talent necessary to offer a superlative level of service, already offer -in their early stages- arguments to be considered a real option today.» Eventually, we received positive feedback regarding greater returns than most platforms offer.

At the end of the day, all this feedback is something more than a pleasant achievement. We feel excited to continue building a better investment platform by hearing and understanding the investors’ feedback and setting up even bigger goals.

In the meantime, the main topics of our business meetings are the possibilities of growth, market share, different marketing channels, technology development, product mix, and other strategic considerations. We strongly believe that a strategic business plan is the foundation of a strong business. As we always practice what we preach, let’s take a closer look at «Hive5» and our Holding Company’s «Hive Finance» KPIs and strategic plans for the second half of 2022.

«Hive Finance»

Consumer Lending

Before establishing «Hive finance», we noticed that large segments of consumers are underserved or not served at all; for that reason, we have set the primary mission for the company – to provide fast, simple and affordable financing solutions. To keep that mission realised, on June 25th, we successfully launched our first consumer lending company, «Ekspres Pozyczka», in Poland. The current portfolio of issued loans seeks 146 543 EUR. It is the result that the company has managed to achieve in a relatively short time (data of 2022-08-08). Moreover, we plan to accomplish the total accumulative loan portfolio of 9 mln—Eur by the end of this year. We are serving quick finance solutions combined with flexible terms, which is the sweet spot clients are searching for. The main focus would be to promote the growth of the company. Also, we plan to expand by entering other European markets very soon.

Corporate Governance

Moreover, strong businesses are always led by strong leaders. «Hive finance» founders and shareholders Ricardas Vandzinskas and Andrius Rupsys have many years of multinational practice in managing firms that are operated to represent the best interests of shareholders, investors, suppliers, employees, government regulators and management. Both founders are Baltic Institute of Corporate Governance graduates with their track record in numerous CG positions – board membership, supervisory board membership, and audit committees in prominent private and public multinational organisations. «Hive finance» has a clear vision to implement the best CG practices in the group of corporate entities, according to which, by the end of this year, the executive management board shall directly report to the supervisory board and audit committee. Both shall consist of independent professional members with their core competencies in neo-banking, enterprise risk management, compliance and technology.

Investor relations

Based on our experience, we know how essential investors are for a company’s success. Our focus will be to pay special attention to regular, transparent and comprehensive communication between executive leadership and the investors community.

We aim to provide accurate accountability of all corporate affairs to investors within the group of «Hive finance» companies to help investors make informed decisions. Proper communication with investors is a strong pivot that drives the overall growth of any company.

Risk management

Risk management will always be our top business priority. «Hive finance» is implementing the COSO enterprise risk management framework with its key objectives of proper controls; reporting is reliable, timely and transparent. The risk decision engine uses advanced analytics and machine learning that capitalise on speed and accuracy. We ensure that business is running in line with laws and regulations. We believe we have a significant advantage over existing lenders in this area.

«Hive5»

The main KPIs

We enjoy setting visionary and creative goals that change the approach to significant business achievements. In the meantime, only ambitious plans could attract business success. Thus, our main KPIs of «Hive5» are to attract 6000 active investors and reach ten mln. Eur of the total loan portfolio by the end of this year. We think it is a bold plan, but so are we.

Loan originators

From the beginning, we have emphasised the importance of diversification in every investment step. Hence, we will keep the promise to offer diversification on our platform. By now, investors can invest in consumer and business loans from Poland. Accordingly, there will be more opportunities on the way: consumer loans from Romania and Bulgaria. In addition, we are working on expanding opportunities for different investments by offering Green, BNPL, Estate and Venture loans.

UX & UI improvement

To make our platform stand out, we plan to implement more advanced and user-friendly features in the marketplace. The entire consumer journey can now occur with a bit of human intervention. Accordingly, we keep improving and developing the platform to make the customer experience of investing a simple and seamless process.

The Final note

We believe that by setting big and visionary goals, we are taking on a more significant role in the finance world and creating a new level of business performance. At the same point, we must continually adapt to changing customer expectations, borrowing and investing trends, and new technology to stay ahead.

We promise to keep updating you on this exciting journey.

When two successful finance and tech experts decide to create a startup, we could definitely expect something huge to happen. Let’s take a closer look at «Hive5» co-founders, two very ambitious innovators, Andrius Rupšys and Ričardas Vandzinskas.

From an early age, Andrius was passionate about computers. Thus, he always wanted to move headfirst into the world of tech. In 1998, although being only a teenager, he created his first business. Andrius assembled personal computers, sold them and made his first salary. Eventually, Andrius Rupšys created one of Lithuania’s most innovative and growing IT companies, «Ruptela». The company has grown from a single idea in Andrius’ head to a profitable company with more than 250 employees. The company provides solutions for fleet management and GPS tracking.

Within almost 15 years of managing «Ruptela», the company has achieved awards, such as «The most attractive employer in Lithuania» (2017). Also won «I love my company» contest in the medium-sized companies category; and was announced as a winner of the «Employees – key to success» awards (2016). Additionally, Andrius Rupšys was personally awarded the «CEO of the year» in Lithuania (2015).

However, the stories behind these significant company achievements have many stressful days, hard work and even some failures. But the most extensive experience that Andrius has been through is strategically dealing with failures, remembering the learned lessons and adapting to situations you can’t change.

Andrius believes that while hard skills, such as knowledge of technologies, finances and business strategy, are essential when building the investment platform, soft skills, such as honesty and transparency, are increasingly necessary as it expands. Moreover, Andrius believes that the most rewarding part about being a CEO is getting employers and investors excited about what they do. Eventually, he could call it a big success to meet Ričardas, who was responsible for attacking new investors and managing «Ruptela’s» finances. Now he is a co-founder and CEO of «Hive5».

Ričardas has more than 15 years of progressive experience in multinational finance and investments management, corporate governance, M&A transactions and Big 4 public accounting. Significant career achievements prove his strong knowledge of business finance and leadership. Accordingly, he has made an important impact on companies to reach profitable results.

Ričardas’ extensive background also includes organisational roles such as the Supervisory Board Member and an Independent Audit Committee Member. Moreover, since 2017 he has been volunteering as the Students’ career mentor at the «Kaunas University of Technology» to encourage the next generation in leadership, personal development and self-motivation.

Rather than simply reporting on financial performance, he was always responsible for translating business strategy into mathematical calculations. He enjoys evaluating plans, understanding risks, and creating action steps; in other words, connecting the dots between processes and sales. More than anyone else in the team, he knows the correct answer to the question: «What could be the risks in this business strategy?».

Throughout his career, Ričardas has been interested in understanding what makes a successful story for the company: «The great companies I’ve been involved with have had incredibly passionate employees. Accordingly, I am happy we have found those motivated and passionate people who joined «Hive5″ too. I strongly believe all together we could achieve any goal. Thus, we aim to become a leading multinational crowdlending partner by providing our often-underserved customers with fast and simple financing solutions. While traditional institutional lending organisations are becoming slowly adaptable in the fast and innovative world of financing, our investment platform is more reflective of consumer, business needs and investors’ goals», says Ričardas Vandzinskas.

By building this business together, Andrius and Ričardas know «extraordinary and successful» isn’t about who they are, but instead, it’s what they choose to do.