The alternative investment platform - hive5 was founded by two successful finance and tech experts, Andrius Rupšys and Ričardas Vandzinskas. Hive5 founders are both EU citizens with well-known business management profiles, Baltic Institute of Corporate Governance graduates - board, supervisory board, and audit committee members in large public and private international organisations with a business track record of multinational corporate finance and technology products development. How Hive5 stands out from the P2P crowd: Know-how. Ričardas Vandzinskas and Andrius Rupšys have been in global business management for over 15 years. They went through quite a few macroeconomic cycles and passed the exams in real-time. Hence, know-how to manoeuvre large multinational organisations both in their good and bad times, how and when to react and make urgent changes when necessary, while maintaining a long-term vision, focus on a strategy of sustainable business doing and strong relations with all stakeholders in place.


 Team of professionals only. When it comes to Hive finance (https://hivefinance.group/) holding entity, Hive5 P2P platform (https://hive5.co/) or their first geography-based microlending entity Ekspres Pozyczka (https://eksprespozyczka.pl/) in Poland – all their team members have ample expertise in top finance corporates. For instance, before Eksres Pozyczka CEO, Wojtek Homan was many years executive in Provident Finance; and the Head of Operations at hive5, Inga Zubanove, was building and leading operations and support of the second largest P2P platform in the EU from scratch. Technology and risk management.


 Risk mitigation and management are their everyday priority tasks at the strategic and tactical levels of their daily operations. They are the second to none P2P organisation, which shall shortly introduce COSO methodology-based enterprise management process within their group entities. They are among the few in the market who have recently implemented a revolutionary AI-based, multisource Big Data scorecard decision engine into their first geography loan originator, Eksres Pozyczka. It allows not only to filter the fraud but also correctly manage and plan the default and ensure a fast-forward scale of the quality loan portfolio in Poland.


 Diversification and global scale. Andrius Rupšys and Ričardas Vandzinskas come from a worldwide business-doing society, working many years with many multinational and multicultural teams in more than 50 countries within five continents. Hive5 will relentlessly diversify within two mainstreams: Target countries: Hive5 will phase its expansion into three continents: 1. Europe – countries of target 10+million of the population; 2. Africa – ex-British colonies with a fast-growing capital city-based mobile lending market; 3. Asia – with a fintech hub in Singapore, servicing growing online lending markets like India, Sri Lanka and a few others.

 Products: the brand has launched hive5, allowing investors to choose from consumer and business loans. That is only the beginning; soon enough, they will introduce many more secured business lending products, such as Green (or sustainable) loans, Equipment leasing, Sustainable Estate loans and BNPL powered by e-commerce.