Central microloan exchange
Lenders are one click away from borrowers
Issue microloans to crebox.ru clients in 6 countries through the exchange, with a money-back guarantee.
Small business investment
Small business investment
On the credihouse.ru site we accept applications from companies, check their solvency and issue loans for the contracts or for development.
More than 5 years on the market. Lending activities in 6 countries of Europe and Asia. Starting 2021 we are entering the online lending market in 3 more European countries.
High reliability rating ruАА +, trust of institutional investors and high portfolio liquidity.
A wide range of products and funding sources as well as business in several countries minimize currency, regulatory and other risks.
All investments are protected by a trust agreement.
STOQMAN projects are leaders in their regions. Own IT infrastructure, R&D and Data Science centers are competitive advantages that provide business scalability, flexibility and speed of decision-making, and increase the quality of the portfolio.
Choose investment markets, amount and period. Make a profit by issuing short-term loans or investing on a long-term basis.
Answers to important questions
We have selected the questions that new investors most often have and answered them in as much detail as possible.
How do P2P loans work?
Working only with verified borrowers guarantees a refund in 97% of cases. We take on the remaining 3% of the risks.
Each borrower who applies with an application to the websites crebox.kz, crebox.ru, pl.crebox.eu, es.crebox.eu, cz.crebox.eugoes through a multi-stage verification system. Including solvency is assessed using AI, using data from the Bureau of Credit Histories over the past 5 years.
Further, the algorithm estimates the probability of a borrower's default with an accuracy of 97%, minimizing the risk of losing funds to the minimum.
After passing all the stages of verification, the loan application goes to the exchange, where you have the opportunity without risk and with a guarantee of income to lend funds to a verified borrower.
In case of non-return of funds by the borrower, the case is transferred to the department for work with problem loans, and the debt to the investor is covered by the exchange at the expense of its own guarantee fund.
Important! Investments are made in any of the available payment systems. The investor receives the debt repayment and income in the currency of the investment. The borrower receives funds in the required currency. At the same time, the conversion is carried out within the system at the expense of the borrower.
Small business investment
A lot of investors, both large and small, are ready to invest for a period from 3 days to 12 months, but they are not ready to go to the bank because of the minimum interest rate. For all investors the most important investment parameter is a guarantee of a return on funds with an anticipated income, which should be significantly higher than the rates on bank deposits.
On the other side there are entrepreneurs and companies with a good credit history who need a quick loan without delay for a period of 2 weeks to 3 months. This market segment is not interesting for the banks but it is interesting for us and our investors.
To access our platform borrowers go through the approval procedure, however, due to the absence of a typical banking bureaucracy and a high degree of automation of business processes, this takes no more than 2 days. Practice shows that no more than 15% of incoming applications on average receive approval. This guarantees a return of funds to investors and allows us to reduce the risk burden on our company to almost zero.
Loan applications from companies are accepted on the credihouse.rusite.
Groups of investment programs
Select a group of investment plans
This section publishes thematic news on the company's activities, economic forecasts, results of work, videos about the company's work. Please see the news here.
The Bank of Russia recommended lenders to extend the restructuring of loans and borrowings for citizens and SMEs until July 1, 2021
The criteria for making a decision on the restructuring of loans or borrowings of citizens are the borrower's (or a member of his family) COVID-19 disease or a decrease in his income to a level that does not allow servicing the debt, the Bank of Russia explained in an information letter sent to all creditors.
The main directions for the development of SupTech and RegTech technologies for the period 2021-2023 have been published
The Bank of Russia has determined the directions for the use of supervisory and regulatory technologies (SupTech and RegTech), which will increase the efficiency of the regulator and financial institutions performing their functions in these areas.
The Bank of Russia decided to raise the key rate by 50 bp to 5.00% per annum
On April 23, 2021, the Bank of Russia Board of Directors decided to raise the key rate by 50 bp, to 5.00% per annum. The growth rates of consumer prices and inflationary expectations of the population and business remain elevated.