And why this is important for your investment.

As you have probably noticed, almost all loans on the FinoMark platform have a guarantor – an additional person or company that undertakes to be responsible for the borrower if they are unable to meet their obligations.

This model aims to provide greater security, but at the same time raises a natural question: who actually ensures that the guarantor is reliable?

How guarantors are assessed in FinoMark projects

The FinoMark assessment process is designed to evaluate the credibility of guarantors from both a financial and legal perspective.

Each guarantor, whether a natural or legal person, is assessed in several stages:

Financial analysis. A thorough assessment of the financial situation is carried out.
• For natural persons, income, existing obligations, debt history, and creditworthiness indicators are analyzed.
• For legal entities, the authorized capital, profitability, solvency and structure of obligations, as well as the stability of financial statements are assessed.

Reputation check. Information in public registers, financial institutions, and court databases is checked. The purpose of this stage is to identify potential risk factors and ensure that the guarantor operates transparently and reliably.

Assessment of liability. The FinoMark team assesses whether the guarantor has the real financial capacity to fulfill its obligations in the event that the borrower fails to do so.

In other words, only those who can assume full financial responsibility for the funds allocated to the project can become guarantors.

So why is a guarantor important to an investor?

A guarantor is not just a formality for obtaining financing. This guarantee model aims to provide additional security to investors who want to invest their money in a particular project.

If the borrower fails to meet their obligations, the guarantor is legally obliged to cover them – this means that the investor has an additional guarantee that the invested amount will be repaid.

Example: if a business loan is guaranteed by the owner of the company, this means that he is personally liable for the company's obligations with his own assets. In this case, the investor receives not only a business guarantee, but also a personal financial guarantee, which significantly increases the security of the loan.

However, the risk is never zero. Even a reliable guarantor may encounter unforeseen difficulties. Therefore, FinoMark carefully assesses not only the borrower's but also the guarantor's "financial backbone" so that investors can rely on real data rather than promises.

How is a guarantor verified on the FinoMark platform?

The platform team analyzes more than just the guarantor's documents. Several sources are used for the assessment: creditworthiness checks, data from state registers, financial statement analysis, and FinoMark's internal risk assessment methodology.

Each guarantor is checked individually – both financial capacity and continuity of obligations are assessed.

Only after these steps can a loan with a guarantor be presented to investors. This process creates a reliable filter that ensures that the guarantor is not just a name on a document, but real financial protection.

In summary

A guarantor is not a symbolic "signature" but a financial responsibility. The stronger the guarantor, the more stable your investment. And this is exactly what the FinoMark team checks before each loan offer – so that investors know that their capital is backed by a solid, proven foundation.