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Loan originators

At this page, you can see details about the lenders represented on Robocash and the model of operation with investors and find loan agreements for better understanding to which conditions borrowers are served in different countries by different lenders.

About the creditor

LLC PRESTAMER has been active in Spain since September 2016. The company is specialized in short-term lending through a fully automated online service PRÉSTAMER. The main product is PDL loans with a size of up to 1 000 EUR and a maturity period of up to 30 days. LLC PRESTAMER follows the policy of responsible lending and contributes to the development of the industry as a member of the National Association of Financial Institutions (ASNEF) of Spain.

Description

Website: https://prestamer.es/
Launched: 2016
Number of employees: 3
Issued loans: 3 000 000 EUR
Type of loan: PDL
Loan size: up to 1 000 EUR
Loan maturity: up to 30 days
Currency: EUR
Interest rate for investors: € 14%
Buyback guarantee: 100%

Supporting information

Model of operation

Verified Users of the platform ROBOCASH (limited liability company Robocash d.o.o.) can access loans issued and uploaded to the platform by LLC PRESTAMER, which are linked by the ultimate beneficiary Sergey Sedov.

Each loan is assigned to the relevant final Borrower and is secured by the rights of the LLC PRESTAMER to the Borrower under the Consumer loan agreement. According to the Assignment Agreement, ROBOCASH is authorized to service the claims, accept payments arising from the Consumer loan agreement, which LLC PRESTAMER receives from the Borrower and transfers to the account on the platform ROBOCASH, and pay them to the User in the order and amount stipulated in the Assignment Agreement. The principal amount of the consumer loan received by LLC PRESTAMER from the Borrower and transferred to the account on the platform ROBOCASH is simultaneously paid to the User in proportion to the amount of the acquired right of claim against the specific Borrower in full together with the accrued interest.

When repayment of the consumer loan is extended or delayed for more than 30 calendar days, LLC PRESTAMER buys out the right of claim of the User of ROBOCASH in full with the simultaneous payment of the accrued interest.

Loan agreement

About the creditor

Limited Liability Company RC Riga is special purpose vehicle incorporated in Latvia in 2018 sole purpose of which is to provide secured financing to companies of Robocash Group against loan portfolio thereof or other type of security. Robocash Vietnam Co. Ltd. has been active in Vietnam since July 2018. The company provides financing to company issuing short term loans in Vietnam.

RC Riga

Launched: 2018
Type of Loan: Commercial Loan (Secured by negative pledge of Robocash Vietnam Co. Ltd assets)
Loan size: up to 100 000 EUR
Loan maturity: up to 1 year
Interest rate for investors: € 14%
Buyback guarantee: 100%

Robocash Vietnam Co. Ltd.

Website: https://robocash.vn/
Launched: 2018
Number of employees: 38
Type of loan: Commercial Loans
Loan size: up to 89 000 EUR
Loan maturity: up to 1 year

Supporting information


Model of operation


1. Robocash Vietnam Co. Ltd. transfers funds to loan originator in Vietnam under the Commercial Loan Agreements, the right of claim to loan originator will be a guarantee for the performance of obligations under the Loan agreement signed between Robocash Vietnam Co. Ltd. and the Limited liability company RC RIGA (hereinafter RC RIGA).
2. RC RIGA transfers funds to Robocash Vietnam Co. Ltd. under the Loan agreement specifying a payment schedule. Dates in the payment schedule correspond to the dates of repayment under the Commercial Loans issued to loan originator, the right of claims to which serve as a guarantee for the performance of obligations under the Loan agreement.
3. RC RIGA transfers to the limited liability company Robocash d.o.o. (hereinafter ROBOCASH) the information about the loan issued to Robocash Vietnam Co. Ltd. according to the Partnership Agreement.
4. Users of the platform use ROBOCASH according to the User Agreement to transfer funds to RC RIGA based on the signed Assignment Agreement to acquire a part of a claim for the Loan agreement concluded between RC RIGA and Robocash Vietnam Co. Ltd.
5. ROBOCASH transfers funds received from Users to RC RIGA.
6. Loan originator returns funds to Robocash Vietnam Co. Ltd. under the Commercial loan agreement.
7. Robocash Vietnam Co. Ltd. returns funds RC RIGA according to the payment plan under the Loan agreement.
8. RC RIGA returns funds and interests received from Robocash Vietnam Co. Ltd. to ROBOCASH on the date and in the proportion specified in the Assignment Agreements.
9. ROBOCASH transfers funds received from RC RIGA to Users of the platform.
10. In case of a delay of the loan repayment made by a loan originator, the next day Robocash Vietnam Co. Ltd. completely returns the size of the commercial loan and the accrued interests to RC RIGA.

Loan agreement

About the creditor

Limited Liability Company RC Riga is a special purpose vehicle incorporated in Latvia in 2018 sole purpose of which is to provide secured financing to companies of Robocash Group against loan portfolio thereof or other type of security.
ROBOCASH PTE. LTD. has been active in Singapore since September 2015. Established within the financial holding Robocash Group, the company is holding company for Asia business and supports management and servicing of the operating entities of the group in Asia.

RC Riga

RC Riga
Launched: 2018
Type of Loan: Commercial Loan (Secured by guarantee of AS Robocash Group and negative pledge of Robocash PTE. LTD. assets)
Loan size: up to 100 000 EUR
Loan maturity: 90-365 days
Interest rate for investors: 14%
Buyback guarantee: 100%

ROBOCASH PTE LTD

Launched: 2015
Loan type: Commercial loans
Loan size: up to 100 000 EUR
Term: up to 12 months

Supporting information


Model of operation


1. ROBOCASH PTE. LTD. transfers funds to operating entities of the financial group in SEA region under the Commercial Loan Agreements, the right of claim to the operating entities will be a guarantee for the performance of obligations under the Loan agreement signed between ROBOCASH PTE. LTD. and the Limited liability company RC RIGA (hereinafter RC RIGA).
2. RC RIGA transfers funds to ROBOCASH PTE. LTD. under the Loan agreement specifying a payment schedule.
3. RC RIGA transfers to the limited liability company Robocash d.o.o. (hereinafter ROBOCASH) the information about the loan issued to ROBOCASH PTE. LTD. according to the Partnership Agreement.
4. Users of the platform use ROBOCASH according to the User Agreement to transfer funds to RC RIGA based on the signed Assignment Agreement to acquire a part of a claim for the Loan agreement concluded between RC RIGA and ROBOCASH PTE. LTD.
5. ROBOCASH transfers funds received from Users to RC RIGA.
6. Operating entities in SEA region return funds to ROBOCASH PTE. LTD. under the Commercial loan agreements.
7. ROBOCASH PTE. LTD. returns funds RC RIGA according to the payment plan under the Loan agreement.
8. RC RIGA returns funds and interests received from ROBOCASH PTE. LTD. to ROBOCASH on the date and in the proportion specified in the Assignment Agreements.
9. ROBOCASH transfers funds received from RC RIGA to Users of the platform.
10. In case of a delay of the loan repayment made by the operating entities, the next day ROBOCASH PTE. LTD. completely returns the size of the commercial loan and the accrued interests to RC RIGA.

About the creditor

LLP MFI TEZ FINANCE started its work in October 2014. The company is registered as a microfinance institution in the National Bank of the Republic of Kazakhstan. Its main product is PDL loans in the amount of up to 330 euro with the maturity period of up to 45 days.

Description

Website: https://z-finance.kz/
Launched: 2014
Number of employees: 226
Issued loans: 852 000 EUR
Type of loan: PDL
Loan size: up to 132 550 KZT
Loan maturity: up to 45 days
Currency: EUR
Interest rate for investors: 14%
Buyback guarantee: 100%

Supporting information

Model of operation

Verified Users of the platform ROBOCASH (Limited Liability Company ROBOCASH) can access loans issued and uploaded to the platform by LLP MFI TEZ FINANCE, which are linked by the ultimate beneficiary Sergey Sedov.

Each loan is assigned to the relevant final Borrower and is secured by the rights of the LLP MFI TEZ FINANCE to the Borrower under the Consumer loan agreement. According to the Assignment Agreement, ROBOCASH is authorized to service the claims, accept payments arising from the Consumer loan agreement, which LLP MFI TEZ FINANCE receives from the Borrower and transfers to the account on the platform ROBOCASH, and pay them to the User in the order and amount stipulated in the Assignment Agreement. The principal amount of the consumer loan received by LLP MFI TEZ FINANCE from the Borrower and transferred to the account on the platform ROBOCASH is simultaneously paid to the User in proportion to the amount of the acquired right of claim against the specific Borrower in full together with the accrued interest.

When repayment of the consumer loan is delayed for more than 30 calendar days, LLP MFI TEZ FINANCE buys out the right of claim of the User of ROBOCASH in full with the simultaneous payment of the accrued interest.