When investing in business loans, there is always a risk that some borrowers may fail to meet their obligations. However, on the FinoMark platform, a "default" (insolvency or borrower’s failure to fulfill obligations) does not mean that the investor loses everything they have invested.

On the FinoMark platform, loans are tailored to various business needs – from working capital expenses to strategic investments. The more clearly the purpose is defined, the greater the likelihood of successfully attracting funding. Transparency, responsibility, and purposeful planning are key factors in achieving long-term business success.

The platform will remain free of charge for investors and there are currently no plans to introduce a usage fee.

Both starting a business and having many years of experience - market monitoring and analysis must become a continuous process of the company. Have you ever answered the question - your business is just watching the market or shaping it? It is no secret that the market is constantly changing: new competitors are emerging, customer needs, technology, legal environment and economic conditions change. Those who know how to notice these changes on time can adapt quickly, maintain a competitive advantage and ensure the sustainable development of the company.

Securing a loan for business expansion requires more than just a solid business plan and financial indicators. A company’s reputation is one of the key factors assessed by lenders. They analyze not only the financial data but also the history of company executives, shareholders, and the overall market perception.

Since February this year, the portfolio of time deposits in banks has grown by almost 1.5 billion euros, or 40 percent. In June alone, this portfolio increased by 315 million. Lithuanians' love for deposits is significant and despite the bumps along the way, it seems to remain steadfast. There are quite a few reasons for this, one being deposit insurance. All deposits in Lithuania are insured and protected, though "only" up to 100 thousand euros.

Today we are pleased to introduce a novelty – from now on, for some of the loans, we will offer investment portfolio protection up to 500 euros. Some loans will be marked with the FinoMark BuyBack logo, and by investing in such loans, clients will receive additional assurance regarding the protection of these investments. In this way, even those people who have been hesitant to try investing can now do so by investing in crowdfunding loans for businesses.

Today we face extremely high inflation, which reaches as much as 21.7%. Moreover, with the European Central Bank having raised base interest rates to control inflation, not only housing but also business loans have become more expensive. However, one should not think of the worst-case scenario. On the contrary, in some cases, this may be one of the more favorable periods to "grow" a business.

Observing the stagnating global and Lithuanian economic situation, economists no longer doubt – a recession will not bypass our country. Rising price spikes scare not only residents but also become a headache for businesses – those who planned to take out loans for expansion now doubt whether the investments would not be swallowed by the crisis. Business loan expert Emilija Poškonienė comments on how it is better to act – to proceed with planned decisions and seek financing, or to wait.

Deciding to grow your business brings new challenges – where to get the money needed for expansion? Successfully developing operations, it's likely that the company will already have a substantial financial reserve, part of which can be used for investments, but for businesses that have only recently entered the market, the only option remains to look for other financial sources. Indeed, even if there is an opportunity to invest in business expansion oneself, it is not always the most cost-effective option. The head of the business loans department at the crowdfunding platform 'FinoMark' advises on how companies should decide – to invest or borrow.