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.

Repayment terms are flexible and designed to suit your needs. Clear and transparent terms are provided upfront for every e-commerce loans, ensuring you know exactly what to expect.

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.

The fee for withdrawing loan funds is 1%. There are no fees for withdrawing your earned funds.

The 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%.

No, we maintain full transparency about our fees. All charges are clearly displayed before you confirm any transaction.

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

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.

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

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

The loan you receive in fiat (e.g., EUR) must be repaid in fiat. However, you can convert your e-commerce loan fund to fiat and use the proceeds to repay the loan.

FinForta employs several measures to manage market risks and ensure a secure earning environment: Diversification to reduce risk exposure, Risk Warnings and Transparency about potential market risks and Due Diligence and Credit Assessment of projects.

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.

We use automated systems to monitor and respond to market changes, adjusting positions as needed to protect assets.

If your Loan-to-Value (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.

Yes, FinForta provides a 100% money-back guarantee for dynamic plan, ensuring your principal fund is fully protected.

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.

E-Commerce Platform is a digital record-keeping system that stores data in a secure, transparent, and unchangeable way. It works like a chain of digital blocks, where each block contains information (like transactions) and is linked to the previous one. This makes it hard to alter past records, ensuring trust and security. It's used in e-commerce loan funds, e-commerce lending agreements, and many other applications.

E-Commerce Finance allows e-commerce businesses to access short-term loans, while investors earn interest by supporting those businesses.

A lending agreement outlines terms agreed upon by both parties, providing transparent and enforceable conditions.

An asset-backed loan lets you use your investment holdings as collateral to secure a loan, giving you access to funds while keeping your investments intact.

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.

When you register with FinForta, you automatically get a unique referral code that you can share with anyone. Every user that shares their code successfully, automatically becomes eligible for the referral program bonus.

You can invite people you know who are at least 18 years old and don't have a FinForta account yet. There's no limit to the number of people you can refer.

Once your referred friend has verified their account on FinForta and deposited a minimum of 100 EUR into our project(s), you will receive a 20 EUR bonus in your FinForta account within 30 days.

1. Registration Fill in the required details:
E-mail: Enter your e-mail address. You will need to verify it, so please double-check that it is entered correctly. As an alternative, you can sign up with your Google account.
Create a Password: Create a secure password for your account. You will also have the option to set up two-factor authentication (2FA), which we strongly recommend for added security. Your password and 2FA help protect your account, funds, and personal data.
Terms and Conditions: Carefully read the Terms and Conditions (T&C). Once done, tick the box to confirm that you have read, understood, and agree to the T&C. If you have any questions, please contact us before signing up at support@finforta.com.

2. Verify Your E-mail Address
After submitting the form, check your inbox for a verification link to activate your account. The verification e-mail is sent within 5 minutes of account creation. If you haven’t received it, please check your junk/spam folder. If you still can’t find it, contact us at support@finforta.com.

3. Verify Your Identity with Veriff Upload Your ID:
Upload Your ID: You will be prompted to upload a clear image of a government-issued ID, such as a passport or ID card. Veriff’s AI will analyze the document to confirm its authenticity.
Take a Selfie: Use your device’s camera to take a live selfie. Veriff’s technology will compare your selfie with the ID to ensure they match.
Approval: If all the information is correct, Veriff will approve your verification. Approval is immediate, but in some cases, it may take up to 10 minutes.

4. Complete Account Setup
You will be asked to provide additional information that cannot be extracted from your ID:
Birth date (in some cases)
Phone number
Address
Once completed, your account is fully verified, and you can deposit funds or e-commerce loans into your account.

1. Registration Fill in the required details:
E-mail: Enter your e-mail address. You will need to verify it, so please double-check that it is entered correctly. As an alternative, you can sign up with your Google account.
Create a Password: Create a secure password for your account. You will also have the option to set up two-factor authentication (2FA), which we strongly recommend for added security. Your password and 2FA help protect your account, funds, and personal data.
Terms and Conditions: Carefully read the Terms and Conditions (T&C). Once done, tick the box to confirm that you have read, understood, and agree to the T&C. If you have any questions, please contact us before signing up at support@finforta.com.

2. Verify Your E-mail Address: After submitting the form, check your inbox for a verification link to activate your account. The verification e-mail is sent within 5 minutes of account creation. If you haven’t received it, please check your junk/spam folder. If you still can’t find it, contact us at support@finforta.com.

3. Verify Your Identity with Veriff Upload Your ID:
Upload your ID: You will be prompted to upload a clear image of a government-issued ID, such as a passport or ID card. Veriff’s AI will analyze the document to confirm its authenticity.
Take a Selfie: Use your device’s camera to take a live selfie. Veriff’s technology will compare your selfie with the ID to ensure they match.
Approval: If all the information is correct, Veriff will approve your verification. Approval is immediate, but in some cases, it may take up to 10 minutes.

4. Complete Account Setup: You will be asked to provide additional information that cannot be extracted from your ID: Birth date (in some cases)
Phone number
Address
Additionally, you will need to fill in your company information:
Company name
Registration number
Company address
Once completed, your account is fully verified, and you can deposit funds or e-commerce loans into your account.
For transactions exceeding 10,000 EUR, you will be required to provide a company certificate.

No. You have to be at least 18 years of age to be able to use our services.

We use Veriff to complete your identity verification. Follow these steps:

1. Upload Your ID: You will be prompted to upload a clear image of a government-issued ID, such as a passport or ID card. Veriff’s AI will analyze the document to confirm its authenticity.
2. Take a Selfie: Use your device’s camera to take a live selfie. Veriff’s technology will compare your selfie with the ID to ensure they match.
3. Approval: If all the information is correct, Veriff will approve your verification. Approval is immediate, but in some cases, it may take up to 10 minutes.

Yes, you will need to use your device’s camera to complete the verification process.

Verification ensures that you are eligible to create an account, confirms your identity, helps prevent financial crimes, and enhances the security of our platform.

If your verification document has expired, you will need to complete a new verification process before initiating a new transaction on the platform. Additionally, we may require you to repeat the verification as part of our Anti-Money Laundering (AML) compliance procedures.

Once your verification is successfully completed, it will be indicated in your account. You can also review the verification steps to ensure that the process was followed correctly.

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.

In your FinForta account, the Funding section allows you to deposit money in EUR. For bank transfers, click Deposit in EUR to view the details.

You can add funds to your account via bank transfer. Log in to your profile, click the "ADD FUNDS" button, copy the bank transfer details, and make the transfer from your bank account. Include the reference information and ensure the transfer is from an account in your name.

We accept bank transfers and payment service providers such as Revolut, Wise, Paysera, and others. Please note that FinForta only accepts SEPA payments. Select a "regular" payment method rather than an "instant payment" or "international payment" to avoid processing issues.

Once your money is transferred to the FinForta bank account, it will automatically appear in your FinForta profile. This process may take anywhere from a few hours to up to 2 business days, depending on your bank's processing times.

To change your bank account, simply send at least €1 from your new account to FinForta. Once the transfer is processed, your IBAN will be automatically updated.

To repay a loan, log in to your FinForta account, locate the loan under "My Investments" or "Loan Overview", check the repayment terms, make the transfer via bank transfer or e-commerce loan fund wallet using the provided details, include the reference code, and monitor your account to verify the repayment has been processed.

It depends on the plan you choose: Fixed Plan: You can withdraw funds only after the selected plan's duration has ended. Dynamic Plan: After 7 days, you can stop earning and withdraw anytime.

Yes, we accept deposits via Wise. However, we cannot process withdrawals to a Wise account. To withdraw money, you must provide a bank account with an IBAN number.

Your payment may not be accepted if it does not comply with our payment policy. Please review the guidelines and ensure that you have selected the correct payment method.

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.

Yes, FinForta uses Two-Factor Authentication (2FA). 2FA is a security process that requires users to provide two different forms of identification to verify their identity, ensuring enhanced account protection.

Access Two-Factor Authentication (2FA): Go to your FinForta profile, click on Account, and select Two-Factor Authentication. You will see that 2FA is currently disabled for your profile. 1. Install Authenticator: Download and install an authenticator app (e.g., Google Authenticator) on your phone. Open the app and follow the steps below: Enter the provided code into the authenticator app, or Scan the displayed QR code using the app. 2. Link Your Account: Once the QR code is scanned, FinForta will appear in the authenticator app. Tap on it to view the generated 6-digit code. 3. Complete the Setup: Return to FinForta’s Two-Factor Authentication page. Enter the 6-digit code into the designated field and click Submit. Once completed, 2FA will be enabled for your profile.

To update your account information, please contact us at support@finforta.com. Provide both your current and new details, along with the reason for the change, and our team will assist you with the update.

To unsubscribe from marketing emails, either disable this option in your profile or use the unsubscribe link in our email.

You can close your account by contacting support@finforta.com.