Build to scale lending.
Hive Finance Group brings together lending companies and the Hive5 investment platform. Our companies provide financing to individuals and small businesses, while Hive5 gives investors access to loans issued within the Group.
Ultimately, it comes down to people — empowering teams to deliver operational excellence.Krisjanis ZnotinsGroup CEO, Hive Finance Group
I’m joining Hive5 with a simple intention: to let the results speak louder than words.Artis PukitisCEO, Hive5
How our Group works
We launch and run lending companies, connect them with investors through Hive5, and support local teams with shared expertise in risk, technology and finance.
Where we operateLending companies
We build and operate lending companies that provide financing to individuals and small businesses across Europe.
Hive5 platform
Through Hive5, investors can fund loans issued by our Group companies, supporting their lending activity.
Shared expertise
Our local teams draw on the Group’s expertise in risk management, technology and finance to run their businesses.
Market expansion
We launch businesses in new markets and grow existing companies, applying what we learn across the Group.
One group,
connected across Europe.
Hive Finance Group and its affiliated companies have offices in Lithuania, Poland, Romania and Spain. Hive5 is operated by hive5 marketplace d.o.o. in Croatia.
Our companies
Four lending companies run locally in Poland, Spain and Romania — led from Group headquarters in Vilnius and funded through the Hive5 marketplace.
Finance for entrepreneurs and SMEs
Lending company
Consumer financing
Lending company
Digital consumer lending
Lending company
Revolving consumer credit
Lending company
Investing in loans originated by Group companies
P2P marketplace · HR
Financial results & reports
Hive Finance Group was profitable in FY2024, with positive consolidated net income — and revenue more than tripled compared with FY2023.
View the full financial report-
2024 Consolidated Report of Hive Finance GroupAnnual · PDF
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Management report for Q3 2023Hive Finance, UAB · Quarterly · PDF
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Management report for Q2 2023Hive Finance, UAB · Quarterly · PDF
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Management report for Q1 2023Hive Finance, UAB · Quarterly · PDF
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Annual Report for 2022Hive Finance, UAB · Annual · PDF
Invest in real loans issued across the Group
Hive5 connects investors with loans issued by Hive Finance Group lending companies — so the Group’s lenders are funded to grow, and investors earn interest on real loans.
Investing involves risk, including the possible loss of capital. Past returns do not guarantee future results.
€218M
Total invested on the platform
Investor
And what have investors earned?
Latest news & articles
All articles
Meet Zigmars Lacis, Our New Group CFO
Meet Zigmars Lacis, Hive Finance Group’s new CFO. Read about his fintech experience, financial priorities and approach to building stronger business results.
Artis Pukitis appointed CEO of Hive5
Artis Pukitis joins Hive5 as CEO, bringing international lending experience and plans to support more efficient lending processes across Hive Finance Group.
Meet Hive Finance Group’s New COO and CRO
Behind every successful company stands a strong business strategy and, most importantly, the people responsible for it. We are strengthening our team with two highly experienced…
Hive Finance Group names Krisjanis Znotins Group CEO as it enters its next chapter
One of the Baltics’ most experienced leaders — combining fintech and banking experience, and one of very few who has actually run a lending business across Spain, Poland and Romania…
Hive Finance Group: Audited 2024 Consolidated Financial Results
Hive Finance Group has published its audited consolidated financial statements for the year ended 31 December 2024, independently audited by UAB Veritas Auditas. The report covers all Group companies:…
Hive Finance Group Becomes Part of Ruptela Group
Hive Finance Group announces a shareholder change – Ricardas Vandzinskas has sold his shares in the company to Ruptela Group, a well-established international business. Following the…
Questions, answered
What partners, investors and press most often ask about Hive Finance Group and Hive5.
What does Hive Finance Group do?
We build and scale lending companies across Europe. Our companies in Poland, Spain and Romania offer consumer and business loans, and through Hive5 investors can fund the loans those companies issue.
- Consumer and business lending in Poland, Spain and Romania
- Shared technology, risk management and funding across the group
- Hive5 — the group’s investment marketplace
- Over €180M in loans issued to date
Which companies are part of the Group?
Firmeo and Ekspres Pożyczka in Poland, Finjet in Spain and Credilink in Romania, together with Hive5 — the investment marketplace operated by hive5 marketplace d.o.o. in Croatia. Hive Finance UAB in Vilnius is the parent company.
How does Hive5 relate to the lending companies?
Group lending companies issue and service loans. Hive5 lists claims arising from those loans, and investors acquire claim rights under the applicable agreements.
How are Hive5 investors protected?
Loans on Hive5 carry a buyback obligation. If a payment is more than 60 days overdue, the loan originator repurchases the claim together with accrued interest. The obligation depends on the originator’s ability to meet it.
Where can I find the Group’s financial reports?
Consolidated and management reports are published in the financial results section, including the 2024 Consolidated Report of Hive Finance Group.
What are the risks of investing in loans?
Investing involves risk, including partial or total loss of invested funds. Investments made through Hive5 are not bank deposits and are not covered by a deposit guarantee or investor compensation scheme.