From today, you have the opportunity to support Credilink’s business expansion through loans listed on the platform. These loans will finance operational costs, IT, marketing, taxes, and other related expenses, and in early September, we will issue our first consumer loans under the Credilink brand. Credilink is starting its business in Romania by applying Hive Finance’s high standards for responsible financing. The company will operate with full transparency, follow a measured risk approach, and comply with all local regulatory requirements.
Strategic Acquisition
As many of our investors know, entering a new regulated market often comes with long administrative processes, and Romania is no exception. Licensing procedures can take months, sometimes more. To move forward faster, our new leadership team found a smarter route: we acquired an existing company with an active license and rebranded it under our name. So, the new legal name is B2Kapital, while the brand name remains Credilink.
B2Kapital had previously issued internal loans to its own network. With the change in ownership, we've restructured and repurposed the company to serve as a fully operational loan originator. It becomes part of our broader expansion strategy across Europe. On the platform, business loans will be listed to support Credilink’s business expansion, including financing for operational costs, IT, marketing, taxes, and other related expenses. Accordigly, we plan to launch consumer loans until the end of September.
Loan terms on hive5:
- Business loans: 90-days duration, 13% interest
Team Behind Credilink
The Credilink team brings deep local expertise and a track record of results:
Laur Emilian, Chairman & CEO
Laur is a leader in banking and consumer finance, known for turning ideas into results. He led the Operations and IT teams supporting the start-up and scaling of Raiffeisen Digital Bank and grew Mobilo Finance's turnover by 30%, while reducing risk costs by 40%. His strategic understanding, supported by an MBA in International Business and Finance and a PhD fellowship in Strategic Marketing, gives him strong principles for this role.
Emil Minciu, Board Member, Business Development
Emil is an experienced manager and advisor, known for building partnerships and identifying business opportunities. Emil specialises in implementing new technologies and driving strategic change, which he has demonstrated throughout his career in the financial field. Also, he has advised over 100 entrepreneurs. His hands-on experience makes him an ideal leader for Credilink.
Serban Flor, Chief Operations and Risk Officer
Serban Flor is an expert in credit lending, risk management, and anti-fraud measures. His career includes significant financial and telecom roles, where he has consistently improved processes and built strong, effective teams. Serban's in-depth knowledge of risk management and credit operations will ensure that Credilink maintains high financial integrity and customer service standards.
Aurimas Kačinskas, Board Member, CEO of Hive Finance Group and Hive5
Aurimas brings strategic leadership and a strong operational background from his previous roles at Creditinfo and within international markets. His involvement ensures close alignment between Credilink's goals and hive5's long-term platform strategy.
This experienced and motivated team is ready to grow Credilink as a key loan originator for hive5. We look forward to sharing more updates as the rollout continues.
