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ID Finance

Last Updated: 30.09.2020. Date when the basic information was updated
ID Finance
Empréstimos originados Volume total de empréstimos concedidos por esta empresa a mutuários desde a sua fundação.
€ 333 M
Loan portfolio Empréstimos emitidos pela sociedade mutuante a mutuários à data do balanço financeiro mais recente, que estão em curso ou com menos de 60 dias de atraso.
€ 46.4 M
Obrigação de recompra A credit enhancement given by the lending company or other entity to the Issuer for a particular Set of Notes. If an underlying loan is more than 60 days late, the lending company is obligated to buy back the investment at nominal value plus accrued, outstanding or late interest. Usually, this means investors will be able to recover their investment in case of a borrower default.
With a buyback obligation
Skin in the Game Para garantir que os interesses de uma empresa de crédito e dos investidores estejam alinhados, a empresa é obrigada a manter uma participação em cada oportunidade de investimento que oferece através da Mintos. Isso é chamado de "skin in the game" (pele em jogo) da empresa.
5% - 10%
Juros médios (%) A taxa de juro média ponderada das oportunidades de investimento desta sociedade de crédito.
12.5%
Website:
idfinance.com
Founded:
2015
Colaboradores:
469
Joined Mintos:
Mar 2017
Loan Types: O tipo de ativos associados que a empresa de crédito emitiu.
Crédito pessoal Crédito pessoal
Crédito de curto prazo Crédito de curto prazo
Countries: Os países quem que os ativos associados foram emitidos pela empresa de crédito ou de aluguer.
Moedas: Moedas em que são oferecidas as oportunidades de investimento da empresa.
EUR, MXN
Annual percentage rate charged to borrowers:
0%-556%
Investimentos pendentes: Volume total de créditos em dívida e disponíveis desta empresa no Mintos. Atualizado diariamente.
€ 25 254 319
Schedule extension: During the first 30 days after the due date of a loan payment, the borrower can opt for extending the loan payment schedule. The maximum number of extensions depends on the loan agreement and can't be more than 6. If the lending company agrees, the loan will be automatically updated, with the new schedule, and the due dates for all outstanding payments will be extended by up to 31 days. Investors will continue to earn the same interest throughout the remaining loan term.
Up to 6

Sobre

ID Finance is a finance technology company based in Spain with operations in this country and Mexico. Its main offering is focused on providing retail banking and finance solutions. The company is the fastest growing fintech in Spain and one of the fastest growing in Europe, according to the FT 1000 ranking. It is also the first carbon-neutral financial technology firm in Spain and Mexico. The company is consistently profitable and since its inception in 2015 it has processed around 9 million credit applications. In 2021 ID Finance launched Plazo, the Spanish neobank that covers peoples’ day-to-day financial needs. It is currently offering a free Mastercard debit card which comes with one of the most attractive cashbacks in the country. Besides, it is expanding its services to a wide range of purchase and credit solutions that will soon be available, such as fractional payments, BNPL and salary advances, among others.

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Last Updated: 12.09.2024

Financials

Financials

Last Updated: 22.10.2024