Summary of Live Webcast on April 7, 2020

On April 7, 2020, CEO and Founder of Robocash Group and Sergey Sedov held a webcast for investors. Below, we provide a summary of its key points.

Overview of the P2P platform

Since the launch in February 2017, has been joined by more than 10,000 investors who have earned over €1.6 million. The total amount of loans funded has surpassed €150 million in 2020.

The platform belongs to a financially stable holding Robocash Group, originated in 2013 and now active in 7 markets in Europe and Asia. Alternative consumer lending is the main business of the group.

Key figures of Robocash Group

In 2019, the group issued over US$ 300 mln worth of loans. The revenue amounted to US$ 223 mln, while the net profit reached US$17 mln. As of March 1, 2020, our assets equaled US$ 82.9 mln and equity was US$ 48.5 mln. The retained earnings amounted to US$ 38.9 mln

It is worth mentioning that we have been profitable since inception and have never raised any equity, so our business is mostly supported by the retained earnings. We are also under-leveraged, which means that our debt is low and is especially important during the turbulent times.


The second part of the webinar was dedicated to your questions. Some of them covered similar subjects — for your convenience we have grouped the answers below:


Verifying the trustworthiness of the platform

The legal entity of the platform, Robocash d.o.o., is regulated by the laws and regulations of the Republic of Croatia. All necessary documentation can be always found on the website open for everyone willing to understand the basic background of is aimed at funding loans issued by the affiliated lending companies of its parent company Robocash Group only. We are not focused on making profit with the platform, but on growing our business. We do not deal with any third-party loan originators either and fully control activities of the lenders integrated with 


Group guarantee

Since belongs to a financially strong holding Robocash Group, the latter provides the group guarantee on all loans on the platform.


Robocash during the recession

Although the pandemic will affect the economy, we are sure that the lending business will continue. Robocash Group has always been reasonably conservative, under-leveraged and profitable. We are monitoring performance of portfolios, adjusting cut-offs and cutting off expenses targeting a 30% cost reduction to get more liquidity on a daily basis, especially during these disturbance times.

One good thing for us is that during the recession banks decrease the volume of credits, which may give us new reliable customers and increase the quality of our portfolio.

The P2P platform has become a very important source of funding for the group, so the platform itself will continue its activities backed by the financially strong holding company.


Possible loan defaults - ensuring safety of investments

The group has always been focusing on net profit and has a very strong balance sheet, good retained earnings and the debt-to-equity ratio of 30%. This gives us the confidence that even in the worst-case scenario, we will be able to recover all debt, even if it takes some time. In the first two months 2020, the net profit of the group amounted to US$ 4.9 million.

We keep working with borrowers on an individual basis. Depending on their situation, we can offer them payment extensions and debt restructuring.

Other measures to prevent risks include monitoring of the performance of each loan originator. On a daily basis, we look at all the metrics – first payment defaults, bad rates, conversions. We are tuning up our portfolios and cutting off the segments, which may suffer. Thus, while over 75% of all disbursal is made online, the group has temporarily suspended offline lending because of the strict measures of quarantine. We have also tightened scoring of borrowers and increased the debt collection efficiency focusing on early collection.


Financial statements

The audit of the group is being carried out now by KPMG. The financial statements will cover the financial years of 2017, 2018 and 2019. They are expected to be finalized and published in July 2020.

Updates to expect

This year, we are planning to implement several features on the platform:

  • A secondary market will be introduced next month — it will be available for 1-year-loans.
  • A raise of 10,000 investment limit is coming soon, the team is already preparing adjustments.
  • Website redesign and interface renewal is in development, both shall be rolled out this year.
  • We are currently considering introducing multi-currency options.


You can access the webcast recording here: The presentation is available following the link


Feel free to contact us in case of any questions at [email protected].


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Robocash d.o.o (“Robocash”) is a company registered in the Republic of Croatia under registration No. 081224371, with legal address at Petračićeva 4, Zagreb, Croatia, 10110.

Robocash is not regulated under any financial services license. When you invest on Robocash, you buy claim rights for loan receivables and investments in loan receivables are subject to risks. We advise diversifying investments and carefully evaluating the risks.