ID Finance - diskuze k poskytovateli

[zbynhu]

ID Finance – popis společnosti
ID Finance se sídlem v Barceloně je nebankovní poskytovatel půjček operující ve Španělsku, Mexiku a Brazílii. Společnost má 450+ zaměstnanců a 3,7 milionu registrovaných klientů, kterým poskytla půjčky v objemu přes 340 milionů EUR.

ID Finance působí na platformě Mintos od března 2017 a nabízí zde investice do krátkodobých spotřebitelských půjček v EUR a MXN. Půjčky mají BBG, avšak skupina negarantuje její uplatnění jako celek, nýbrž pouze každá divize sama za sebe.

ID Finance – základní data
Rok založení: 2015
Podporované měny půjček: EUR, MXN
Průměrný roční výnos: 10 – 13% (EUR)
Splatnost nabídek: 1 měsíc – 36 měsíců
Buyback garance pro nabízené půjčky: ano
Nabídka zajištěných půjček: ne
ExploreP2P rating: 54 (Španělsko), 3 (Mexiko)
Mintos Rating: B (Španělsko), C+ (Mexiko)
Web poskytovatele: https://idfinance.com/

Pro další informace o poskytovateli a přehled hodnocení poskytovatele dalšími investory přejděte na příslušnou stránku webu P2Ptrh.cz.

[Jan]

Představení výsledků + proběhlý webinář (Mintos informoval až po...)
https://www.mintos.com/blog/id-finance- ... o-webinar/

[Cupi92]

Španělské IDF už mám téměř splacené, chybí jedna půjčka. U Mexika je tempo splácení zásadně pomalejší.

[Cupi92]

IDF Spain má trochu více rozvázané ruce, jelikož byla prodloužena splatnost jejích eurobondů z roku 2023 na rok 2025, což bylo odsouhlaseno investory do těchto bondů.

Zdroj: https://idfinance.com/news/idfinance-sp ... conditions

[Cupi92]

Přikládám update ohledně PP od IDF

"As you know, in July, ID Finance and Mintos had agreed to restructure the pending payments, contingent on the lending company raising outside capital. Since then, ID Finance’s portfolio on Mintos has decreased from €12.0 million to €11.3 million and the company transferred €700k in net principal, as new investments were lower than borrowers’ repayments. The company has also paid €1.02 million in interest to investors on Mintos. As agreed, ID Finance’s pending payments have not increased above the restructured amount.

ID Finance has made decent progress with attracting new funding since the restructuring. The company has reached agreements with new investors for up to $15 million USD equity investment into the group as well as up to €20 million debt investment into the Spanish entity and up to €7 million debt investment into the Mexican entity.

However, onboarding the new investors involves a change of ownership requiring approval by the competent regulator, which is taking longer than anticipated: ID Finance expects to finalize the process by March 2023, which means the company won’t be able to cover the restructured pending payments of €18.3 million (€11.0m from ID Finance Spain and €7.3 from Mexico) by 31 December 2022 as originally agreed.

Considering all of the above, we’ve agreed to prolong the restructuring process, while making sure investors are compensated adequately for rolling over their investments:

ID Finance has to make regular transfers from its operational cashflows, as well as larger transfers as soon as the company has finished onboarding the new investors. The company has also committed to making larger payments if it is able to attract funding faster.

ID Finance Spain ID Finance Mexico
Repayment date Repayment amount (€) Repayment amount (€)
15 Jan 2023 250k 0

31 Jan 2023 250k 0

15 Feb 2023 250k 0

31 Feb 2023 250k 0

15 Mar 2023 250k 0

31 Mar 2023 9.75m 2m

15 Apr 2023 0 550k

30 Apr 2023 0 550k

15 May 2022 0 600k

31 May 2022 0 600k

15 Jun 2023 0 650k

30 Jun 2023 0 650k

15 Jul 2022 0 750k

31 Jul 2022 0 950k

Total 11.0m 7.3m

Funds received will be disbursed to investors as soon as they arrive in our account.

To make sure you are receiving adequate interest for the period, ID Finance has to continue paying increased interest of 1.4x the base interest rate on the restructured pending payments on an ongoing basis. On average, investors will receive 17.6% interest on the restructured pending payments, which is significantly above the current average market rate of 13.6%.

Additionally, ID Finance must fully cover any new pending payments within the standard settlement period.

Considering the funding initiatives that ID Finance is pursuing are close to completion and sufficient to cover the outstanding amounts, we’re confident that the lending company will be able to honor its obligations according to the plan outlined above. A failure to do so would be considered an event of default, and if the situation requires, we’ll start legal proceedings.


Pozn.: První číslo harmonogramu patří ke Španělsku, druhé k Mexiku. Mexiko by tak mělo začít splácet 31.3. 2023.

[FraK]

Maji tam si spatne napsane roky.