Are you interested in lucrative
investment opportunities?

Bondkick allows investors to participate in conventional loan application rounds where the interest rate
is determined by the borrower, or in auction-based funding rounds
with the interest rate set by investors themselves.

WOULD YOU LIKE TO MAKE YOUR MONEY
OR BUSINESS GROW FASTER?

You're halfway there. Bondkick offers a solution.

Are you interested in lucrative investment opportunities? We will help you to find interesting loan applications.

Bondkick is an environment for applying for and funding business loans, where you can find an investment opportunity with the appropriate risk and return. Soon in the entire European Union.

Read on »

Needing a little extra kick to launch your company, but the bank is not flexible enough?

Bondkick helps budding entrepreneurs to find bold investors. If you believe in your business idea and have a sufficient collateral, you can find the initial funding for your business through Bondkick.

Read on »

Your business is growing so fast that the bank cannot keep up with it?

Bondkick helps you find a suitable way to finance the rapid growth of your business without losing control over your company. Searching for investors is not a simple task. You can find a solution through Bondkick.

Read on »

Want to become the owner of your business premises? Great idea!

Bondkick will help you find the financing required to buy out your corporate office, warehouse or production premises, using the purchased property as collateral.

Read on »

Are the interest rates of your previous loan commitments too high by today's standards? Perhaps it is time to refinance the loan.

Bondkick is an innovative businesses financing portal for companies. Ask for better conditions from our investors, and breathe new life into your business.

Read on »

Apartment association needing an investment? The bank is not the only solution.

Bondkick does not confine itself to business oriented products. Ask for an offer from our investors, and see what the market has to offer.

Read on »

BONDKICK BUSINESS FUNDING PORTAL

A new online service for enterprising people. Fund the loan applications professionally.

Bondkick loan application demo

Start-up loan

Needing a little extra kick to launch your company, but the bank is not flexible enough?

The Bondkick start-up loan is a good way to start a business. Successful involvement of investors can strengthen any business idea. However, the investors' confidence in your business is based on the data which you provide or which is available on you in public sources.

The Bondkick business funding portal allows you to submit a loan application to numerous investors simultaneously without ever leaving your office, and you can rest assured that your application will reach experienced professionals and large-scale credit institutions at once. It is always easier to receive funding from a larger number of open-minded investors than trying to get the entire amount from one bank.

All the more so, if the maximum limit for loans secured by the suretyship of a board member is set too low by the bank, or you simply lack knowledge for drawing up a business plan.

The Bondkick portal makes it easy for you to write a loan application that helps to make your business more attractive to investors. See our terms and possibilities below, and create your account now.

Bondkick offers three types of start-up loans with different repayment options.

With the Annuity Payment, the instalments of loan principal and the interest are made on a monthly basis. General conditions for a start-up loan:

  • Loan period from 1 month to 1 year.
  • The minimum loan amount that you can apply for is 15,000 euros.
  • The maximum loan amount that you can apply for is 50,000 euros.
  • Monthly loan principal and interest payments.
  • The loan is secured by warranty agreements, signed by all members of the company's management board.
  • The credit rating of at least one member of the management board needs to be "very good". The credit rating of other members of the management board must be at least "good".

Upon One-Time Final Payment, the entire loan is paid back at the end of the loan period. General conditions for a start-up loan:

  • Loan period from 1 month to 1 year
  • The minimum loan amount that you can apply for is 15,000 euros.
  • The maximum loan amount that you can apply for is 50,000 euros.
  • The loan principal and interest are paid up in full as a single instalment at the end of the loan period.
  • The loan is secured by warranty agreements, signed by all members of the company's management board.
  • The credit rating of at least one member of the management board, needs to be "very good". The credit rating of other members of the management board must be at least "good".

Upon Interest-Only, the loan principal is paid back at the end of the loan period. Only the interest payments need to be made on a monthly basis. General conditions for a start-up loan:

  • Loan period from 1 month to 1 year
  • The minimum loan amount that you can apply for is 15,000 euros.
  • The maximum loan amount that you can apply for is 50,000 euros.
  • The interest payments are made on a monthly basis, whereas the loan principal is paid as a single instalment at the end of the loan period.
  • The loan is secured by warranty agreements, signed by all members of the company's management board.
  • The credit rating of at least one member of the management board needs to be "very good". The credit rating of other members of the management board must be at least "good".

INVESTMENT LOAN

Your business is growing so rapidly that the bank cannot keep up with it?

The company's growth brings about new needs. Maybe you need to upgrade your equipment to bring the production up to a new level? It would allow you to offer better quality products to your customers, with lower costs and less time spent in the process. Or perhaps your staff has grown three-fold since you started the company, and you no longer fit in to your current premises? You really need a new and bigger office.

For such scenarios, the Bondkick business funding portal provides an investment loan, which allows you to finance your equipment and other fixed assets, and expand the office, warehouse or manufacturing premises.

Being a company registered in Estonia, you can apply for an investment loan on the Bondkick business funding portal once you have your last annual report submitted. Movable or immovable property as well as surety of a member of the management board can be offered as security. In case of Annuity Payment, guarantees or sureties are not required.

Bondkick offers three types of investment loans with different repayment options.

With Annuity Payment, the payments of the loan principal and the interest are made on a monthly basis, and the general conditions of investment loans are as follows:

  • Loan period without security: 1 month to 1 year.
  • Loan period with immovable property as security: 1 month to 5 years.
  • Loan period with movable property as security: 1 month to 2 years.
  • Loan period with immovable and movable property combined as security: 1 month to 2 years.
  • The minimum loan amount that you can apply for is 15,000 euros.
  • The maximum loan amount depends on the company's financial data; the maximum amount of unsecured loans is 50,000 euros.
  • Monthly loan principal and interest payments.
  • The loan guarantee is not required, but having one would allow you to apply for a bigger loan and longer loan periods. The loan amount is up to 70% of the value of the security in case of a real estate secured loan, and up tp 50% if the loan is secured by movable property.
  • Proprietary securities must be insured for the benefit of AS Bondkick. At this point, registered vehicles with a valuation report are the only movable property which can be used as security.

Upon One-Time Final Payment, the entire loan is paid back at the end of the loan period. General conditions for an investment loan:

  • Loan period without security: 1 month to 1 year.
  • Loan period with immovable property as security: 1 month to 5 years.
  • Loan period with movable property as security: 1 month to 2 years.
  • Loan period with immovable and movable property combined as security: 1 month to 2 years.
  • The minimum loan amount that you can apply for is 15,000 euros.
  • The maximum loan amount depends on the company's financial data; the maximum amount of unsecured loans is 50,000 euros.
  • Monthly loan principal and interest payments.
  • The loan guarantee is not required, but having one would allow you to apply for a bigger loan and longer loan periods. The loan amount is up to 70% of the value of the security in case of a real estate secured loan, and up tp 50% if the loan is secured by movable property.
  • Proprietary securities must be insured for the benefit of AS Bondkick. At this point, registered vehicles with a valuation report are the only movable property which can be used as security.

Upon Interest-Only, the loan principal is paid back at the end of the loan period. Only the interest payments need to be made on a monthly basis. General conditions for an investment loan:

  • Loan period without security: 1 month to 1 year.
  • Loan period with immovable property as security: 1 month to 5 years.
  • Loan period with movable property as security: 1 month to 2 years.
  • Loan period with immovable and movable property combined as security: 1 month to 2 years.
  • The minimum loan amount that you can apply for is 15,000 euros./ The maximum loan amount depends on the company's financial data; the maximum amount of unsecured loans is 50,000 euros.
  • Monthly loan principal and interest payments.
  • The loan guarantee is not required, but having one would allow you to apply for a bigger loan and longer loan periods. The loan amount is up to 70% of the value of the security in case of a real estate secured loan, and up tp 50% if the loan is secured by movable property.
  • Proprietary securities must be insured for the benefit of AS Bondkick. At this point, registered vehicles with a valuation report are the only movable property which can be used as security.

COMMERCIAL MORTGAGE LOAN

Do you want to become the owner of your business premises? Bondkick can help.

Commercial mortgage loan can be used by your company for the acquisition of necessary real estate. The Bondkick business funding portal mediates commercial mortgage loans secured by real estate. We assess the value and condition of your real estate collateral, which you also need to prove with valuation documents.

Being a company registered in Estonia, you can apply for a commercial mortgage loan on the Bondkick business funding portal once you have submitted your last annual report. Movable or immovable property, or surety of a member of the management board are required as security.

Bondkick offers commercial mortgage loans on an annuity basis. With the Annuity Payment, the payments of the loan principal and the interest are made on a monthly basis.

General conditions for a commercial mortgage loan:

  • Loan period from 1 month to 5 years.
  • The minimum loan amount that you can apply for is 15,000 euros.
  • The loan amount is up to 70% of the value of the real estate.
  • Monthly loan principal and interest payments.
  • The loan is secured by real estate owned by the borrower. Proprietary securities, such as immovable property, must be insured for the benefit of AS Bondkick.

LOAN TO APARTMENT ASSOCIATIONS

Apartment association needing an investment?
The bank is not the only solution.

Apartment associations are often faced with the need to find additional capital for construction and renovation work, and to cover the costs of expert assessments and loan applications.

On the Bondkick business funding portal, application for a loan is possible for any housing association which is registered in the commercial register and which has submitted its last annual report. The apartment building renovation loan is secured by the apartment association's claims against its members.

Bondkick offers apartment building renovation loans on an annuity basis. General conditions for an apartment association loan:

  • Loan period from 1 month to 10 years.
  • The minimum loan amount that you can apply for is 15,000 euros.
  • The maximum amount of the loan applied for will depend on the economic data of the apartment association.
  • Monthly loan principal and interest payments..
  • The loan is secured by the apartment association's claims against its members.

LOAN REFINANCING

Are the interest rates of your previous loan commitments too high by today's standards? Perhaps it is time to refinance the loan.

Loan refinancing is the replacement of an existing loan or loans with another which is more suitable or features better credit conditions. The Bondkick refinancing solution may help you to reduce your company's monthly loan payments.

Bondkick offers three types of refinancing loans with different repayment options.

With Annuity Payment, the payments of the loan principal and the interest are made on a monthly basis. General conditions for loan refinancing:

  • Loan period without security: 1 month to 1 year.
  • Loan period with immovable property as security: 1 month to 5 years.
  • Loan period with movable property as security: 1 month to 2 years.
  • Loan period with immovable and movable property combined as security: 1 month to 2 years.
  • The minimum loan amount that you can apply for is 15,000 euros.
  • The maximum loan amount is the sum of refinanced loans, and the maximum amount of a loan without collateral is 50,000 euros.
  • Monthly loan principal and interest payments.
  • The loan guarantee is not required, but having one would allow you to apply for a bigger loan and longer loan periods. The loan amount is up to 70% of the value of the security in case of a real estate secured loan, and up tp 50% if the loan is secured by movable property.
  • Proprietary securities must be insured for the benefit of AS Bondkick. At this point, registered vehicles with a valuation report are the only movable property which can be used as security.

Upon One-Time Final Payment, the entire loan is paid back at the end of the loan period. General conditions for loan refinancing:

  • Loan period without security: 1 month to 1 year.
  • Loan period with immovable property as security: 1 month to 5 years.
  • Loan period with movable property as security: 1 month to 2 years.
  • Loan period with immovable and movable property combined as security: 1 month to 2 years.
  • The minimum loan amount that you can apply for is 15,000 euros.
  • The maximum loan amount is the sum of refinanced loans, and the maximum amount of a loan without collateral is 50,000 euros.
  • Monthly loan principal and interest payments.
  • The loan guarantee is not required, but having one would allow you to apply for a bigger loan and longer loan periods. The loan amount is up to 70% of the value of the security in case of a real estate secured loan, and up tp 50% if the loan is secured by movable property.
  • Proprietary securities must be insured for the benefit of AS Bondkick. At this point, registered vehicles with a valuation report are the only movable property which can be used as security.

Upon Interest-Only, the loan principal is paid back at the end of the loan period. Only the interest payments need to be made on a monthly basis. General conditions for loan refinancing:

  • Loan period without security: 1 month to 1 year.
  • Loan period with immovable property as security: 1 month to 5 years.
  • Loan period with movable property as security: 1 month to 2 years.
  • Loan period with immovable and movable property combined as security: 1 month to 2 years.
  • The minimum loan amount that you can apply for is 15,000 euros.
  • The maximum loan amount is the sum of refinanced loans, and the maximum amount of a loan without collateral is 50,000 euros.
  • Monthly loan principal and interest payments.
  • The loan guarantee is not required, but having one would allow you to apply for a bigger loan and longer loan periods. The loan amount is up to 70% of the value of the security in case of a real estate secured loan, and up tp 50% if the loan is secured by movable property.
  • Proprietary securities must be insured for the benefit of AS Bondkick. At this point, registered vehicles with a valuation report are the only movable property which can be used as security.

FOR INVESTORS

Are you interested in lucrative investment opportunities? We will help you to find interesting loan applications.

Bondkick is an environment for applying for and funding business loans, where you can find investment opportunities matching your unique risk-return criteria. Soon in the entire European Union.

Minimum investment 100 euros. There are no restrictions on offers. Bondkick allows investors to participate in conventional loan application rounds where the interest rate is determined by the borrower, or in auction-based funding rounds with the interest rate set by investors themselves.

In case of start-up loans, investors can invest in loans issued to start-up companies. In this way, the entrepreneurs get the opportunity to carry out their business plans with the support of investors. Start-up loans are secured by the entrepreneur's immovable or movable property, or a corresponding private individual's surety that meets the terms of Bondkick.

If the company's growth has resulted in new demands and the business needs additional funds for expansion, then there is a way for investors to allocate their assets in the investment loans given to such companies. Investment loans are also secured by the entrepreneur's immovable or movable property, or a corresponding private individual's surety that meets the terms of Bondkick.

Commercial mortgage loan is a loan product for companies who want to purchase commercial real estate. In this loan product, the investors' money is backed by the acquired real estate which is used as a security.

Loan refinancing is the replacement of an existing loan or loans with another which is more suitable or features better credit conditions. Loan refinancing utilises various financial instruments which may (but do not have to) require the loan to be secured by the surety of a member of the management board.

Investors can also invest in loans issued to apartment associations. The resulting investment will be used to refurbish a block of flats, or to cover other related expenses. The loan issued to an apartment association is secured by the association's claims against its members, and the only financial instrument used is the annuity-based payment solution.

IMPORTANT TO KNOW

Investments involve certain risks. Mostly, the operational risk, the borrower's default risk, the currency risk, and the legal and political risk. Be sure to read the suggestions below before borrowing or lending money.

You can read more about the risks here.

In order to ensure the safety and maximum return on investment, you should definitely keep in mind the following funding round basics:

  • On the Bondkick portal, the final terms of funding depend on the intended purpose of the loan chosen by the the company, the loan amount, the terms and conditions for interest and loan principal payments as well as the terms established by the investors.
  • On the Bondkick business funding portal a lender is an at least 18-year-old private individual who is a resident of the European Union, or a company registered in a member state of the European Union.
  • We offer lenders the option to invest with fixed interest rates, or in auctions where the offers of different lenders compete against each other.
  • Be sure to carefully read the background information of funding rounds in order to get the best overview of your investment opportunities.
  • If you have anything to ask from an applicant regarding a loan application, feel free to post the questions to the applicant's representative through the Bondkick portal.
  • We recommend diversifying your investments among various funding rounds in order to hedge the potential risks.
  • If you have questions about the use of the Bondkick portal, feel free to get in touch with our consultant through the website, or send us a message to info@bondkick.com.

In order to ensure the successful funding of your loan application, you should definitely keep in mind the following basics of funding rounds:

  • Make sure to carefully think through the amount of money that your company needs. Even if your company qualifies for a higher amount, be sure to review and realistically assess all possibilities.
  • The golden rule of loan applications is: "the more information, the better." Fill in all required fields, but also provide investors with additional information that might be useful in funding your loan application. Place yourself in an investor's position and think about whether you have provided enough information to make investors interested in your company's funding round.
  • If possible, create a "story" for your loan application to justify why your company is worth the investment. Support your story and business profile through your company's web channels, such as the web site or any social media pages.
  • If you want to be confident in the success of your funding round, we recommend that you also advertise elsewhere, in order to draw the attention of potential investors.
  • Once the loan application is published, investors may turn to you with questions. Always answer their questions as soon as possible in order avoid losing the interested investors.
  • If you have questions about the use of the Bondkick portal, feel free to get in touch with our consultant through the website, or send us a message to info@bondkick.com.

FAQ

Here we have a collection of questions most frequently asked by entrepreneurs and investors. If you cannot find the answer to your question here, please contact us and feel free to ask for more information. Here, we post the answers to repeatedly asked questions, as they may also be of interest to other users of the portal.

General questions

What is Bondkick?
Bondkick is a business funding portal, the establishment of which was initiated in 2014. Its purpose is to provide businesses and investors with alternative funding options. The Bondkick business funding portal brings together the companies in need of capital and the enterprising investors who seek investment opportunities.
To whom is the Bondkick business funding portal targeted?
The portal provides companies with assistance in finding start-up or additional capital. Today, Bondkick offers loan application opportunities to companies as well as apartment associations. The portal operates based on the principle of crowdfunding, where the loan applications can be funded by both the private and corporate investors. At the moment, only companies and apartment associations registered in Estonia can seek funding through Bondkick. In the near future, it will be possible to also invest in companies from other European Union countries. An investor must be at least 18 years old, and a resident of the European Union.
What does crowdfunding really mean?
Crowdfunding is one of the funding models, under which the funds are provided by a "crowd" of sponsors or investors, hence the expression "crowdfunding". Crowdfunding comes in a variety of forms. These forms differ mainly in terms of whether the investors support loan applications with no resulting benefits, invest in the companies' share capital, or give out loans on other grounds. The Bondkick business funding portal is a corporate loan-based crowdfunding platform where an investor invests in different loan solutions which will be returned by the borrowing company with interest, based on the agreed periods and conditions.
How is Bondkick business funding portal different from all the others?
The Bondkick portal offers a wide variety of loan solutions and financial instruments to service such loans. The technological structure of the portal is largely based on automated functions, which significantly reduce the processing times and the number of potential man-made mistakes. The Bondkick portal provides a secure, professional and comfortable environment for all of its users.
Who and how can benefit from the Bondkick business funding portal?
The Bondkick portal aims to bring together the interests of companies and investors. On the portal, firms can access alternative financing channels and get a chance to test their business ideas' attractiveness and expected viability in the eyes of real investors. For investors, the Bondkick portal offers the opportunity to expand their portfolios with new asset classes of different risk-benefit ratios in order to diversify their investments and minimise their investment risks.
What are the service fees of the Bondkick business funding portal?
For investors, lending as well as the majority of services are free of charge on the Bondkick portal. Borrowers are subject to service fees depending on the maturity of their loans and other factors; the contract fee starts from 2.49% of the loan principal. For more information on the service fees, please see the price list available on the portal.
What channels should I use in case of questions?
All inquiries on the activities, the portal or the financial services of Bondkick are always welcome. Simply call our office telephone number +44 20 3322 3741, contact us directly via online chat or send us a message by e-mail to info@bondkick.com. Our helpdesk is open for portal users round the clock.

For companies

Which companies can apply for funding through the Bondkick business funding portal?
Any company, apartment association or sole proprietor who is registered in the commercial register of Estonia can apply for a loan through the Bondkick portal.
For which purpose is it possible to apply for funding?
For boosting a company's start-up, for helping a functional company to reach an new level of development, for refinancing earlier loan commitments, for the acquisition of commercial real estate, for the renovation of the fixed assets of an apartment association. Moreover, Bondkick offers customised solutions for those whose needs are not directly matched by the standard credit packages. The likelihood of obtaining funding depends on the investors' decision to invest in a particular loan application.
What are the odds of my loan application qualifying for the portal?
Each loan application undergoes a number of automated evaluation processes which are closely supervised by our client executives, resulting in the approval or rejection of the application. If a company fulfils all the conditions established by the Bondkick business funding portal, fills out all required forms with true data and signs the contracts, then the submitted loan application automatically qualifies with the portal's requirements.
What guarantees do I have to provide to get a loan?
The nature and value of the collateral required depends largely on the specific loan solution and the financial instrument which is used for the lending. More information on specific loan solutions is available on our website.
How can I be sure to get funding to my loan application? What happens if my requested loan amount is not reached?
The funding of a loan application is decided by investors. Obtaining of funding will depend on what information the company provides on its loan application and what is the earning potential for investors. It is more likely to obtain financing if the loan application is attractive to investors and the data provided on the current condition of the company are transparent. Obtaining funding for a loan application with a higher risk and lower return will definitely take more time, and there may be situations in which a specific loan application is not funded.
How can I use Bondkick to ask for money for my business?
In order to submit a loan application, a company's representative must register the company on the portal, and enter a loan application. Then, the loan application is published on the portal, and the its funding is decided by the investors.
How is the interest rate formed on my loan?
The interest rate is formed in one of two ways. If the company has a strong desire to fix the borrowing rate, it can be done upon the submission of the loan application, in which case the application is published with a fixed interest rate. If the company does not want to set the interest rate or does not know how to do it, then the interest rate will be set in an auction.
Who are the people who will fund my loan applications?
On the Bondkick portal, a lender is an at least 18-year-old private individual who is a resident of the European Union, or a company registered in a member state of the European Union.
What kind of financial instruments (repayment terms) does Bondkick offer?
It is possible to use various financial instruments with different loan solutions. They are:

  • Annuity Payment, for which both the loan principal payments as well as the interest payments are made on a monthly basis
  • One-Time Final Payment, for which the entire loan is paid back at the end of the loan period
  • Interest-Only, for which the outstanding principal will be repaid at the end of the loan period, and the monthly payments only consist of the loan interest
What does it mean that the funding is obtained in an auction?
This means that the interest rate of the requested loan is not fixed, and the investors interested in the loan application compete against each other with their offered interest rates in a lowest bid auction.
How fast can I get my loan application funded?
In general, the duration of an average funding round is one month. However, the length of the period can vary for different loan applications. The maximum funding round duration is determined by the borrower with the submitted loan application.
When and how will I have to start to pay back the loan?
Repayment of the loan depends on the financial instrument used for the loan, i.e. the loan repayment terms. In case of Annuity Payment, both the loan principal as well as the interest payments are made on a monthly basis. Upon Interest-Only, the monthly payments consist of the interest, whereas the loan principal is paid back at the end of the loan period. In case of One-Time Final Payment, the loan principal as well as the interest for the entire loan period are paid at the end of the period.
What are the minimum and maximum amounts you can apply for through the Bondkick portal?
The minimum amount which can be applied for on the Bondkick business funding portal is 15,000 euros. The maximum amount depends on the the intended purpose of the specific loan, the financial instrument as well as the company's financial condition.
May the company applying for the funding also be located outside Estonia?
At the moment, only the companies, apartment associations or sole proprietors who are registered in the commercial register of Estonia can apply for a loan through the Bondkick portal.
What are the risks that a company faces when borrowing money?
In order to better manage the financial risk, a corporate borrower should calculate their reasonable credit burden and evaluate the compliance of the loan with the company's interests and financial situation before committing to a loan agreement. Upon calculation of credit burden, one should take into account the specifications arising from products and types of credit, the size of the loan obligation (in particular, the obligation to pay back the loan principal with interest) and any existing financial commitments. The borrower must be capable of sustainably servicing the loan as well as their other obligations.
What happens to the loan commitments and debt obligations in case of bankruptcy of the portal?
If something should happen to the portal administrator, the amounts held in the portal's settlement accounts are paid out to their rightful owners. The funds held in the portal's settlement accounts are entrusted to the portal administrator based on an authorisation agreement, and hence they do not constitute a part of the portal administrator's assets. All contracts entered into through the Bondkick portal remain valid irrespective of the financial situation of the portal administrator. This means that borrowers will always have an obligation to repay their loans. In case of bankruptcy of the portal administrator, a new bank account will be opened for the borrowers to make the loan repayments, and a new cooperation partner will be found to take over the management and maintenance of the outstanding loans.
Can my potential investors ask additional questions from me, and do I have to communicate with them?
Yes, we have equipped the portal with a channel of communication to be used by the investors and the borrower. We strongly recommend you to answer the investors' questions as soon as possible, in order to ensure the investors' continued interest and increase the chances of obtaining funding for your loan application.

For apartment associations

Which apartment associations can apply for funding through the Bondkick portal?
Any apartment association which is registered in Estonia and has submitted its last annual report is eligible to apply for a loan through the Bondkick portal.
For which purpose is it possible to apply for funding?
For the moment, apartment associations can apply for a loan which is primarily aimed at the financing of the renovation of apartment buildings and the associated works, or refinancing of existing loans. You can read more about the various loan solutions here.
What are the odds of my loan application qualifying for the portal?
Each loan application undergoes a number of automated evaluation processes which are closely supervised by our client executives, resulting in the approval or rejection of the application. If the apartment association fulfils all the conditions established by the Bondkick business funding portal, fills out all required forms with true data and signs the contracts, then the submitted loan application automatically qualifies with the portal's requirements.
What guarantees do I have to provide to get a loan?
The apartment association loan is secured by an the apartment association's claims against its members.
How can I be sure to get funding to my loan application? What happens if my requested loan amount is not reached?
The funding of a loan application is decided by investors. Obtaining of funding will depend on what information the apartment association provides on its loan application and what is the earning potential for investors. It is more likely to obtain financing if the loan application is attractive to investors and the data provided on the current condition of the apartment association are transparent. Obtaining funding for a loan application with a higher risk and lower return will definitely take more time, and there may be situations in which a specific loan application is not funded.
How can I use Bondkick to ask for money for my apartment association?
In order to submit a loan application, a representative of the apartment association must register the association on the portal, and enter a loan application. Then, the loan application is published on the portal, and the its funding is decided by the investors.
How is the interest rate formed on my loan?
The interest rate is formed in one of two ways. If the apartment association has a strong desire to fix the borrowing rate, it can be done upon the submission of the loan application, in which case the application is published with a fixed interest rate. If the apartment association does not want to set the interest rate or does not know how to do it, then the interest rate will be set in an auction.
Who are the people who will fund my loan applications?
On the Bondkick portal, a lender is an at least 18-year-old private individual who is a resident of the European Union, or a company registered in a member state of the European Union.
What kind of financial instruments (repayment terms) does Bondkick offer?
It is possible to use various financial instruments with different loan solutions. They are:

  • Annuity Payment, for which both the loan principal payments as well as the interest payments are made on a monthly basis
  • One-Time Final Payment, for which the entire loan is paid back at the end of the loan period
  • Interest-Only, for which the outstanding principal will be repaid at the end of the loan period, and the monthly payments only consist of the loan interest
What does it mean that the funding is obtained in an auction?
This means that the interest rate of the requested loan is not fixed, and the investors interested in the loan application compete against each other with their offered interest rates in a lowest bid auction.
How fast can I get my loan application funded?
In general, the duration of an average funding round is one month. However, the length of the period can vary for different loan applications. The maximum funding round duration is determined by the borrower with the submitted loan application.
When and how will I have to start to pay back the loan?
Repayment of the loan depends on the financial instrument used for the loan, i.e. the loan repayment terms. In case of Annuity Payment, both the loan principal as well as the interest payments are made on a monthly basis. Upon Interest-Only, the monthly payments consist of the interest, whereas the loan principal is paid back at the end of the loan period. In case of One-Time Final Payment, the loan principal as well as the interest for the entire loan period are paid at the end of the period.
Who and how can benefit from the Bondkick business funding portal?
The aim of the Bondkick business funding portal is to bring together apartment associations and investors. Through the Bondkick portal, apartment associations can get access to alternative funding channels, providing them with new opportunities to find funding for their activities. For investors, the Bondkick portal offers the opportunity to expand their portfolio with new asset classes of different risk-benefit ratios in order to diversify their investments and minimise their investment risks.
What are the service fees of the Bondkick business funding portal?
For investors, lending as well as the majority of services are free of charge on the Bondkick portal. Borrowers are subject to service fees depending on the maturity of their loans and other factors; the contract fee starts from 2.49% of the loan principal. For more information on the service fees, please see the price list available on the portal.
What are the minimum and maximum amounts you can apply for through the Bondkick portal?
The minimum amount which can be applied for on the Bondkick business funding portal is 15,000 euros. The maximum amount depends on the the intended purpose of the specific loan, the financial instrument as well as the apartment association's financial condition.
What are the risks that an apartment association faces when borrowing money?
In order to better manage the financial risk, an apartment association wishing to borrow money should calculate their reasonable credit burden and evaluate the compliance of the loan with the association's interests and financial situation before committing to a loan agreement. Upon calculation of credit burden, one should take into account the specifications arising from products and types of credit, the size of the loan obligation (in particular, the obligation to pay back the loan principal with interest) and any existing financial commitments. The borrower must be capable of sustainably servicing the loan as well as their other obligations.
What happens to the loan commitments and debt obligations in case of bankruptcy of the portal?
If something should happen to the portal administrator, the amounts held in the portal's settlement accounts are paid out to their rightful owners. The funds held in the portal's settlement accounts are entrusted to the portal administrator based on an authorisation agreement, and hence they do not constitute a part of the portal administrator's assets. All contracts entered into through the Bondkick portal remain valid irrespective of the financial situation of the portal administrator. This means that borrowers will always have an obligation to repay their loans. In case of bankruptcy of the portal administrator, a new bank account will be opened for the borrowers to make the loan repayments, and a new cooperation partner will be found to take over the management and maintenance of the outstanding loans.
Can my potential investors ask additional questions from me, and do I have to communicate with them?
Yes, we have equipped the portal with a channel of communication to be used by the investors and the borrower. We strongly recommend you to answer the investors' questions as soon as possible, in order to ensure the investors' continued interest and increase the chances of obtaining funding for your loan application.

For investors

Who can invest their money through the Bondkick business funding portal?
On the Bondkick business funding portal a lender is an at least 18-year-old private individual who is a resident of the European Union, or a company registered in a member state of the European Union.
What are the companies that seek funding through the Bondkick business funding portal?
Any company, apartment association or sole proprietor who is registered in the commercial register of Estonia can apply for a loan through the Bondkick portal.
What are purposes for which the companies want the money?
For boosting a company's start-up, for helping a functional company to reach an new level of development, for refinancing earlier loan commitments, for the acquisition of commercial real estate, for the renovation of the fixed assets of an apartment association. Moreover, Bondkick offers customised solutions for those whose needs are not directly matched by the standard credit packages. The likelihood of obtaining funding depends on the investors' decision to invest in a particular loan application.
What kind of an overview could I get of the company before making an investment decision?
On the Bondkick portal, a company must provide an accurate overview of itself as well as its activities. The company's own information is supplemented by an up-to-date report from Krediidiinfo. Based on this information, Bondkick makes a pre-selection of these loan applications which qualify for the funding rounds published on the portal. If an investor has any additional questions, we strongly recommend consulting with the loan applicant before making an investment decision. To this end, we have equipped the portal with a direct communication channel between the investor and the borrower.
Will I be able to ask further questions from the borrower if necessary?
Yes, we have equipped the portal with a channel of communication to be used by the investors and the borrower for this purpose. Bondkick cannot guarantee that the borrower will answer your questions, but we have repeatedly stressed the significance and positive impact of answering the investors' questions to the companies. If you do not get answers to your questions, we suggest you consider your investment decision very conservatively.
How can I be sure that the loan application in which I invest would eventually be funded? What happens if the loan application that interests me fails to receive the requested funding?
The obtaining of funding depends on the willingness of investors to invest in a particular loan application. If the loan application which you are interested in does not obtain funding by the end of the campaign, then your booked amount will be released to you and you will be able to choose another interesting loan application or transfer your money back to your own bank account.
How much can I earn with my investment and how is the interest rate formed for each individual loan application?
The profitability of a loan application depends on the final interest rate of that application. The interest rate is formed in one of two ways. If the borrower has a strong desire to fix the interest rate, it can be done upon the entry of the loan application, in which case the application will be published with a fixed interest rate. If the borrower does not want to set the interest rate or does not know how to do it, then the interest rate will be set in an auction. We definitely recommend investing in several different loan applications to diversify the risks.
When will the loan that I have given or the investment that I have made start earning money for me?
The loan repayment schedule depends on the loan solution and the repayment terms chosen by the borrower. In case of Annuity Payment, both the loan principal as well as the interest payments are made on a monthly basis. Upon Interest-Only, the monthly payments consist of the interest, whereas the loan principal is paid back at the end of the loan period. In case of One-Time Final Payment, the loan principal as well as the interest for the entire loan period are paid at the end of the period.
What kind of financial instruments (repayment terms) does Bondkick offer?
It is possible to use various financial instruments with different loan solutions. They are:

  • Annuity Payment, for which both the loan principal payments as well as the interest payments are made on a monthly basis
  • One-Time Final Payment, for which the entire loan is paid back at the end of the loan period
  • Interest-Only, for which the outstanding principal will be repaid at the end of the loan period, and the monthly payments only consist of the loan interest
How are the auctions organised and how can I participate?
If the borrower has not fixed the interest rate in the loan application, then there will be an interest rate auction held for the application. In case of an auction, investors offer different interest rates for the funding of a particular loan application, and the best bidders will finally invest in the loan. To participate in an auction, you need to choose a suitable loan application on the Bondkick financial portal, hold in your Bondkick account at least the required minimum investment amount, and invest it. Auctions can be monitored in real time on the portal.
What are the service fees of the Bondkick business funding portal?
For investors, lending as well as the majority of services are free of charge on the Bondkick portal. Borrowers are subject to service fees depending on the maturity of their loans and other factors; the contract fee starts from 2.49% of the loan principal.
What are the minimum and maximum amounts that I can invest?
The minimum amount required for investing in a loan is 100 euros. The maximum amount is limited to the sum specified in a particular loan application. When investing, please make sure to take into account your investment capacity, and weigh all investment-related risks.
What are the risks associated with investing?
Investments are always accompanied by certain risks. Mostly, the credit risk (the borrower's default risk), the currency risk, the legal and political risk, and the operational risk. You can read more about the risks here.
What happens to the loan commitments and debt obligations in case of bankruptcy of the portal?
If something should happen to the portal administrator, the amounts held in the portal's settlement accounts are paid out to their rightful owners. The funds held in the portal's settlement accounts are entrusted to the portal administrator based on an authorisation agreement, and hence they do not constitute a part of the portal administrator's assets. All contracts entered into through the Bondkick portal remain valid irrespective of the financial situation of the portal administrator. This means that borrowers will always have an obligation to repay their loans. In case of bankruptcy of the portal administrator, a new bank account will be opened for the borrowers to make the loan repayments, and a new cooperation partner will be found to take over the management and maintenance of the outstanding loans.
Will I be able to resell my investment, should I so desire or need?
Today, the Bondkick business funding portal does not yet provide this possibility. However, such a solution is under development and will be added as an option in the near future.

About the Company

Bondkick is an international financial technology company that helps businesses grow by bringing together the money that longs for growth and the companies in need of funding. We offer a convenient and flexible service that increases the earning potential of both the investors and the entrepreneurs.

Our portfolio includes loan products which are suitable for small companies with a short credit history as well as firms with a longer operating experience. We provide our customers with long-awaited options for involving loan capital, including interest-only loans and loans with a one-time final payment.

Bondkick thinks globally and acts across the borders. We develop links across Europe in order to enable investors to participate in international funding rounds, and borrowers to be able to present their proposals to a wider circle of investors. We are able to arrange financing rounds in various currencies in accordance with local regulations.

Bondkick is the new word in business funding, which is worth thinking about already at the beginning of your search for capital.

Valentin Ivanov, CEO & Partner

Valentin Ivanov

Managing Director

Valentin has 15 years of business management experience, the majority of it spent in the IT and information security sector. Since 2010, he has focussed on financial technology. From 2003 to 2014, Valentin was the effective manager of software development company W-ALL IS and the business development manager of WTG9, a company investing in new start-ups. Valentin has been a business consultant and advisor to various private companies and investors in the UK, Switzerland and the Nordic countries. As a cofounder of Bondkick, Valentin has been focussed on the development of this company since 2014. As the company's CEO, he is responsible for achieving the firm's strategic targets.

Jako LaanemägiBIO

Deputy Chairman of the Supervisory Board

Indrek PajumaaBIO

Member of the Supervisory Board

Roman VandtkeBIO

Member of the Supervisory Board

Sergei TšistjakovBIO

Member of the Supervisory Board

Fergus ElderBIO

Member of the Supervisory Board

Christopher PellyBIO

Member of the Supervisory Board

Indrek RahumaaBIO

Member of the Supervisory Board

Kurt PakendorfBIO

Member of the Supervisory Board

Bondkick is constantly expanding and looking for new talent. Check out our job offers at the CV-Online portal or send us a message directly to jobs@bondkick.com. We are particularly interested in experts in the field of IT (Java, front-end and mobile application developers and testers), customer support specialists and sales representatives with an investment experience.

No loan application is risk-free. Before becoming an investor on the Bondkick crowdfunding platform, think long and hard about whether you are willing to take the risks associated with investments. Once a loan project obtains funding, it becomes a binding contract between the borrower and the lender. Read more about the risks here.