Balkanika is an online crowdfunding platform accessible to both individuals and legal entities, including sophisticated investors and real estate developers.
We create technological financial products in collaboration with our partners and clients. By combining expertise and technology, we deliver convenient and efficient solutions to our clients.

In today’s realities, businesses and individuals face challenges in accessing affordable and prompt financing. On the other hand, investors do not always have the opportunity to achieve high returns on deposits or securities. This gave rise to a simple idea — bringing both parties together.

By providing direct loans through the Balkanika platform, investors can achieve attractive returns on their capital. Borrowers, in turn, gain access to fast, convenient, and transparent financing, enabling them to promptly address current challenges (such as: purchasing and developing land; 
acquiring a house or apartment; performing repairs of any complexity; construction; preparing projects for financing; refinancing;
restoring working capital; purchasing goods and equipment, and more).

Our 8 core principles are the foundation of our work:

- Trust. We always explain the details of the transaction, answer questions in detail and give time to make a decision. If the client has financial difficulties, we are ready to meet them and find a way out.

- Responsibility. We understand the level of responsibility that falls on Balkanika as a platform. Therefore, we follow all regulations and laws and contribute to the financial and economic growth of our clients' fortunes.

- Benefits. The main thing is to solve the client's financial problem in a timely manner. That is why we try to be helpful in every possible way. We improve services, make them convenient and friendly.

- Loans. We issue technological loans: our clients get quick financing at market rate on the platform and execute transactions online.

- Technology. We develop and implement a platform and services that help our employees automate their work with clients, also, the investors and borrowers move their processes online.

- Investments. We make the market of investments in collateralized loans convenient, accessible and safe for any participant. For this purpose, we develop and launch products that do not require expertise from the investor, do not take time, but are characterized by increased reliability and high profitability.

The financial analysis. At this stage, we check the company's financial statements and, if necessary, statements of accounts as well. We examine the state of net assets, the amount of revenue, debt load, the amount of accounts payable and receivable. For individuals, a full assessment of the client's credit status and solvency is carried out, we evaluate the pledge and confirm the terms and conditions of the loan.

• Customer interviews. In the third stage, we conduct video interviews with the clients, as well as on-site inspections at the place of business or residence if necessary.
• <p style="&quot;text-align:" justify;"="">The main purpose of the second and third stages is to minimize the risk of borrower default.  

A fund raiser places an application in their personal account. The Platform evaluates this project and, if it meets the Platform's criteria, the transaction offer is displayed on the public part of the Platform. The investors who want to finance the given application should confirm their intention to participate in the transaction in their Personal account. If the amount of resources for financing has reached the required target, the transaction has taken place and the Platform proceeds to its execution.

The Platform issues a loan agreement and security agreements. The encumbrance on the subject of pledge is being registered in the Register of Immovable Property of RM. The entity attracting financing receives the raised funds. The return of funds to Investors is made through the Platform, the Borrower and the Investor do not need to communicate with each other directly. The Platform independently manages incoming payments from the Borrower, distributing them between the participants of the transaction. All the information is displayed in the User's Personal Cabinet.

Determine your financial needs and choose the type of loan that is suitable for your situation. For example, you can apply for a business loan to purchase goods or services, a mortgage loan to buy a home, etc. Analyze the terms and conditions of the loan and choose the most suitable product for you. Compare interest rates, repayment terms, payments and other factors that may have an influence on your choice. Gather the necessary documents. The following types of documents may be required:

- copy of your ID document, income statements, bank statements and other documents that can confirm your repayment capacity. Apply for a loan.

You can apply online, by phone or in the office. When applying, make sure that you provide all the necessary data and information correctly. Wait for the loan approval. The platform's specialists usually conduct a credit scoring and assess your ability to repay before making a decision on the loan. If your application has been approved, you will need to sign a contract and receive the money on your account.

Go to the platform website and enter your registration data in order to be authorized in the system. If the user with the entered data does not exist, you will be offered to register. Fill in all the required fields and submit the application for verification. Verification takes no more than one working day.

The entered personal data is confidential, it is requested for the identification of users and is necessary for the compliance with the Law "On Combating Legalization (Laundering) of Proceeds from Crime and the Financing of Terrorism". They are not available to other users of the system and are not subject to disclosure. The information is protected by certified encryption systems in accordance with the legislation of RM. Before closing a transaction, counterparties can only see publicly available information.

Your data is used exclusively for the platform's operational purposes and for the conclusion and execution of loan agreements and is not to be passed on to third parties.

Balkanika Platform offers support and assistance at all stages of the investment process:

•  We will prepare all necessary transaction documentation and assist you in the investment process.
•  We will provide you with up-to-date information on the status and situation of the borrower, including its creditworthiness.
•  You will have the necessary information about the subject of the investment and the expected financial outcome.
• In the event of default, Balkanika platform provides assistance and support to investors, conducts negotiations with borrowers and, if necessary, files a lawsuit on behalf of investors or collects overdue payments through pre-judicial proceedings.

The Balkanika platform enables investors and borrowers to interact with each other online. For this purpose we:

 - select the borrowers, check their reliability;

 - provide legally formalized contracts and the opportunity to sign them electronically. In this way, all transactions are legitimate;

 - We estimate the repayments of interest and the main debt, remind borrowers of the approaching payment date, and distribute the incoming funds among investors;

- we control payment delays. If the borrower breaks the terms of the loan agreement, we negotiate with him and try to get him back on schedule, and in case of complete lack of contact, we dispose of the pledged property to repay the debt.