Many companies in Lithuania have heard the answer "no," but after a few weeks, they successfully obtained the necessary loan through FinoMark. Why? Because FinoMark believes that behind the numbers lie stories, potential, and people. The same numbers. The same business. Just a different approach to financing. When others measure risk, FinoMark balances risk with potential.
Here are a few real-life situations where companies were rejected by major lenders but received financing through FinoMark, an alternative financing platform that operates on the principle of crowdfunding.
1. Case study: manufacturing company
A regional manufacturing company requested €100,000 in working capital. The bank rejected the request, citing insufficient turnover and excessive dependence on a few customers. Our analysts saw what others did not: a new supply contract that guaranteed a stable flow of revenue.
Result: the loan was granted and repaid ahead of schedule.
2. The case of a construction company
A company working with municipalities appeared "risky" to the bank. Possible delays were not due to incompetence, but to public sector payments. FinoMark analysts understood the situation, drew up an appropriate payment schedule, and provided financing.
Today, the company has already repaid the loan and has applied for a second round of financing.
Different investors – different approaches
The principle of crowdfunding is a democratized financing model where every individual can contribute to business growth. This is precisely the principle behind the FinoMark platform, which allows businesses to obtain financing from a large number of investors.
FinoMark brings together hundreds of investors with different goals and strategies. Some are looking for extremely safe projects, while others are looking for higher returns. That is why the platform has a risk rating system that helps find a balance between risk and profit.
Unlike traditional lenders, FinoMark allows individuals to participate in financing business projects. The essence of crowdfunding is to connect those who want to invest with those for whom investment can open up a new stage.
Why the word "no" stops business
When an entrepreneur hears "no," it is not only a financial blow, but also an emotional one. It is like a signal: my business is unreliable, I am doing something wrong. However, in reality, "no" often means not a business mistake, but the creditor's attitude. Banks and financiers evaluate the same indicators, but their interpretations may differ. Some see risk as an obstacle. Others see it as an opportunity. FinoMark belongs to those who see risk as potential, not an excuse to stop.
Business is not a formula—it's a story
Business is not just a mathematical formula. It is a story that sometimes needs a second look. And this is where FinoMark comes in to provide that second look. Every business deserves at least one person or community that says, "Let's take another look. Maybe this time it will be different."
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