A good business plan alone is not enough to obtain financing through the FinoMark crowdfunding platform. Potential investors, as well as the financing platform itself, pay close attention to the reputation of your company, shareholders, and management. This naturally raises the question: Why is this so important?

When investing through crowdfunding platforms, it's important to evaluate not only the offered returns or business plans but also the collateral instruments that may secure your investment. One such instrument—pledging an asset complex—is increasingly used as an alternative solution, especially when a business lacks unencumbered real estate.

For investors in business loans, one of the most pressing topics is the reliability of loan security measures. On the FinoMark platform, three primary forms of protection are most commonly applied: mortgage of real estate (RE), pledge of a property complex (PC), and guarantors’ liability. All these measures can effectively reduce the investor’s risk, but their operating principles and effectiveness differ. What is worth knowing before making a decision?

One of the most frequently asked questions by entrepreneurs is: what size financing can I expect to receive through FinoMark? Although every situation is unique, there are several key factors that determine the loan amount.

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.