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One of the methods by which the originators control the risk, is using a credit rate score system. This is a procedure of classifying every credit in different categories, based on the default probability (the probability the borrower to stop paying off their loan). All loans in iuvo have a score rate. This is needed so the credits from different originators can be compared
- AScore class A
- BScore class B
- CScore class C
The total amount of the loans granted by the loan originator to borrowers since its establishment
The total amount of the loans issued on the marketplace by the loan originator
In business and financing, the term “skin in the game” is used to refer to owners or principals having a significant stake in an receivable vehicle, in which outside users are solicited to purchase. This is to ensure the expected annual returns of the originator and the user in the asset are aligned, as both have a stake in the asset/ receivable. On iuvo this means that every loan originator is required to keep certain percentage of each loan listed on the marketplace, which is their “skin in the game”. For example, if a loan originator issues 100 EUR loan to the marketplace and have skin in the game 30%, only 70 EUR of the loan will be available for users to purchase in. The loan originator keeps a stake of 30 EUR.
The year in which the company became profitable
About
Fast Finance IFN S.A. is a joint-stock company working as a Non-Banking Financial Institution operating in Romania since 2013. The company offers solutions to the specific needs of their clients, both individuals (retail) and legal entities. Mission of Fast Finance is to help its clients to deal with their financial problems and credit needs in the best way, as described by the following three features: Quick, Simple, Unobtrusive!
The presence of FAST FINANCE IFN on a P2P portal is a natural thing, in line with our ongoing efforts to diversify our funding sources.
We have chosen IUVO because we have the following common points
• Both companies are young and dynamic companies, oriented towards innovation, in safe conditions of business and in the expected annual return of shareholders and users
• We share common values: our work is governed by the simplicity of procedures, mutual respect for clients and transparency of decisions
• Both companies cultivate an organizational culture based on competitiveness and creativity by combining the expertise of experienced staff with the enthusiasm of young colleagues.
We operate in a highly dynamic and challenging competitive environment to attract receivable through such portals, but we are convinced that together with IUVO and the users present on the IUVO portal we build a solid win-win partnership in accordance with our motto:
We Give Credit to Your Plans!
Become part of one of the fastest growing p2p purchasing of receivables marketplaces in Europe