We always keep our investors well-informed, especially when the situation on the platform may affect your investment experience. You may have noticed a lower number of loans available on hive5. This situation is due to simple business dynamics: investor demand has increased significantly, at the same time, there has been a slight decrease in capital needs from our main loan originator Finjet, which is currently operating efficiently with its existing resources.
High Demand
Spain remains one of our top-performing markets. Consumer loans with their attractive returns and short terms are especially popular and are usually invested within minutes on hive5. Business loans in Spain are also in high demand and are used for expanding local businesses. Due to this strong demand, loans are quickly picked up by investors. In addition, the current funding needs from the loan originator have temporarily decreased. However, demand for financing may increase again in the near future as businesses continue to grow and seek new opportunities. There's no cause for concern - on the contrary, this reflects smart portfolio planning and healthy investor appetite.
Strong Start of Credilink
We've just launched our newest loan originator, Credilink, in Romania, and the response has exceeded expectations. The first business loans were funded almost instantly. We're now finalising preparations to launch consumer loans under the Credilink brand in September.
This is just the beginning. With Credilink already active, we're actively working with other markets and loan originators, aiming to expand your investment opportunities in the coming months.
Smarter Growth
Currently, most loans on hive5 are being funded quickly due to high investor activity (thus, we remind you to set up an auto-invest strategy). That's a sign of healthy growth and trust. It also encourages us to maintain a consistent pipeline of new investment opportunities in the future.
As hive5 has grown rapidly over the past year, we are now entering a more optimised phase. That means we're gradually adjusting interest rates to reflect more stable and efficient operations. While still highly attractive, from Wednesday loans will offer returns in the 12–13% range (Finjet Consumer loans - 12.5%, Finjet Business loans - 13%, Credilink Business loans - 13%). This ensures the platform's long-term sustainability while still offering strong value to our investors.
To Sum Up
You may not find loans available on our platform every day, but it's part of a healthy cycle. We've launched Credilink, and new originators will be joining soon, therefore, the availability is expected to grow in the near future.
Thank you for your continued trust. As always, if you have any questions, our support team is happy to help.
