FinForta is a secure online platform that lets you earn returns through lending. We support e-commerce businesses with short-term loans, and you earn interest on your contribution.

An asset-backed loan lets you use your assets as collateral to secure a loan, giving you access to liquidity without selling your investments.

Both private individuals and legal entities can apply for asset-backed loans.

We make earning through E-commerce lending simple and accessible for everyone. You don't need specialized knowledge — FinForta takes care of the entire process for you.

Small amount’ is a relative term, but with our projects, you can start earning with 100 euros.

No prior financial knowledge is needed to start earning — FinForta handles the entire lending process for you.

Both private individuals and legal entities can apply for loans.

First, you need to register and complete verification, which takes only a few minutes. Once verified, you can transfer fiat (EUR or USD) if you choose to earn through projects. Once we receive your funds we process your request within 10 minutes.

The process involves several key steps:

For newcomers:
Registration: Sign up using your e-mail or Google account.
Identity Verification (KYC): Verify your identity with our partner Veriff using a valid ID and smartphone. This step is essential for ensuring security.
Complete account setup: Add required personal information.

For everyone:
Collateral Deposit: Deposit your e-commerce loans into your FinForta wallet.
Loan Application: Select your preferred loan-to-value ratio and submit your application.
Instant Funding: Once approved, funds are instantly transferred to your FinForta account, ready for withdrawal.

The process involves several key steps:

For newcomers:
Registration:
Sign up using your e-mail or Google account.
Identity Verification (KYC):
Verify your identity with our partner Verif by using a valid ID and smartphone. This step is essential for ensuring security.
Complete account setup:
Add required personal information

For everyone:
Deposit:
Add funds to your FinForta account.
Choose Your Plan:
Select either the Fixed, Dynamic or Loan option.

And that's it!

No, we do not perform traditional credit checks. Your e-commerce loan fund collateral serves as the primary factor for securing the loan.

The minimum amount is €100, and there is no maximum limit.

For individual clients: The minimum amount is €100, and the maximum is €2 800. For business clients: The minimum amount is €500, with no maximum limit.

Yes, you can apply for multiple loans simultaneously.

Yes, you can use your e-commerce claim as collateral, but this option is only available for Fixed Earn Projects.

Our repayment terms are flexible and designed to suit your needs. Each E-commerce loan comes with clear and transparent terms provided upfront, ensuring you know exactly what to expect. In general, you pay interest on a monthly basis, with the principal due as a lump sum at the end of the loan term. However, if you prefer to repay the principal in monthly installments, that option is also available.

You are required to maintain a Loan-to-Value (LTV) ratio of 70%. Please check it carefully. If your LTV ratio reaches 80%, you will receive a notice prompting you to take action, such as adding more collateral or repaying part of the loan. If the LTV reaches 90%, your loan will be closed, and your collateral will be liquidated.

We accept EUR-denominated assets and e-commerce loan claims as collateral.

The Loan-to-Value (LTV) ratio determines the percentage of your asset's value that you can borrow. Example: If the LTV is 50% and your collateral is worth €1 000, you can borrow up to €500.

If your collateral value drops, we will notify you with a prompt alert. You’ll be asked to either add more collateral or repay part of the loan to maintain the required Loan-to-Value (LTV) ratio. If no action is taken in response to the warnings, we may liquidate part or all of your collateral to cover the loan repayment.

We prioritize the security of your assets, stored in secure accounts under strict EU regulations.

If your Loan-to-Value (LTV) ratio rises to 85%, we will notify you promptly so you can take action to manage your risk. This may involve repaying part of the loan, adding more collateral, or fully discharging the loan.

The Loan-to-Value (LTV) ratio represents the percentage of the loan amount compared to the value of the collateral. Different e-commerce loan funds may have different LTV ratios, so please check our platform for specific details. Example: Got €10 000 in e-commerce? With a 70% LTV, we’ll instantly unlock €7 000 for you. Simple as that.

No, FinForta does not charge any fees or penalties for early loan repayment. You are free to pay off your loan at any time without any additional costs.

If you miss a repayment, please contact us immediately to discuss your options. Our goal is to work with you to find a solution and avoid the liquidation of your collateral whenever possible.

The annual interest rates range from 11% to 15% per year, depending on the Loan-to-Value (LTV) ratio. For an LTV of 20%, the interest rate is 11%. At 50% LTV, the rate increases to 13%, and at 70% LTV, the rate is 15%.

You can accelerate loan repayment at any time. Increasing your borrowing is also possible, provided your collateral value supports the additional amount.

You can monitor your loan status directly in your FinForta account.

Nothing changes. The terms and conditions remain the same as when you initially borrowed.

No, FinForta does not offer the option to refinance or extend loan terms.

No, FinForta does not support using multiple different asset types as collateral for a single loan.

The loan you receive in fiat (e.g., EUR) must be repaid in fiat.

In 2025, we plan to add additional asset types and collateral options.

We take your privacy seriously. All personal information is handled with strict confidentiality and safeguarded using advanced encryption technology. Encryption converts your data into a secret code, readable only with the right key, keeping it safe from unauthorized access and ensuring privacy.

FinForta has offices in the Czech Republic, Cyprus and Hong Kong. We serve clients globally, prioritizing security and efficiency in delivering e-commerce portfolio-backed and other e-commerce loans services.

FinForta operates in full compliance with all applicable financial regulations. We are dedicated to upholding the highest standards of legal and ethical practices within the e-commerce lending industry.

FinForta is legally registered and operates in compliance with Czech regulations for providing services related to virtual assets (VASP). Our registration in the Trade Licensing Register serves as an official license, enabling us to provide services to corporate clients across the EU and globally.

FinForta adheres to the highest standards of transparency, responsibility, and compliance with Anti-Money Laundering (AML) regulations. Our robust AML framework includes customer due diligence, risk assessment, transaction monitoring, reporting obligations, and employee training. FinForta S.L.U. adheres to the highest standards of transparency, responsibility, and compliance. Our AML policies demonstrate our commitment to creating a secure financial environment for all stakeholders while fully meeting our obligations under Spanish and EU law.

The account closure period depends on regulatory requirements and our internal policies regarding data retention and client identification. While Czech regulations do not specify an exact timeframe for account closure, our company's internal policy is to consider an account inactive after 1 year (12 months) of no activity. Even if an account is considered inactive, we must retain client data and transaction records for at least 5 years to comply with Anti-Money Laundering (AML) and Counter-Terrorist Financing (CTF) obligations. Therefore, the decision to close an inactive client's account is based on internal policies that ensure compliance with regulatory requirements.

1. Fixed: Consistent interest rate from 8-14.3%; Term: 4-24 weeks; Min. deposit: 100 EUR.
2. Dynamic: Daily profit updates. Interest rate: 10–18%. Term: from 1 week.
3. E-Commerce Loans: Interest rate: from 12.5%; Term: 2-24 weeks. Earn from short-term e-commerce business loans backed by payment processor held funds.

You can earn using EUR or USD.

Each project comes with its own set of conditions and potential risks, which are detailed in the project's description. We strongly encourage clients to carefully review this information and evaluate the risks before deciding to start earning.

Interest payments are calculated from the day you start earn, unless stated otherwise in the terms.

In the unlikely event of FinForta's default, all client assets are securely held in segregated accounts. An independent administrator would be appointed, and clients could withdraw assets directly.

Each project has its own conditions and risk profile, which are detailed in the project description. We encourage clients to review this information and evaluate the potential risks before deciding to earn in a decentralized way.