Why should you invest with CreditLab?

Diversify

Choose which active loans you want to invest in. Options include client profiles, collateral, and reliable originators.

Full control

You are deciding how to invest:

  • In what kind of loans
  • What amount of money

Minimal investing amount starts from 20 BGN

We are giving the opportunity of passive income to everyone. You can even start with 20 BGN.

Without fees and commissions

  • Investing: free of charge
  • Deposit of funds into the platform: free of charge
  • Virtual wallet’s service: free of charge
  • Withdrawal fee: 2 BGN.

Originators

Public companies traded on BSE and BEAM market. With over 35 years of lending experience:

With guaranteed buy back option

Choose between:

  • 5% annual profitability, loans guaranteed by the originator
  • 18% annual profitability with a guaranteed legal claim of the loan

Investment options:

Guaranteed

5% annual interest

  • Gold secured loan
  • Provided by Sofia Commerce Pawnshops JSC
  • The company is traded on the Bulgarian Stock Exchange
  • Average loan period – 3 months
  • Average loan amount – 1000 BGN
  • GUARANTEED BUY BACKГ
start investing learn more

Highly profitable

18% annual interest

  • Consumer loans guaranteed by a co-signer and an insurance
  • Provided by IpoTech Sofcom JSC
  • The company is traded on the BEAM market in Bulgaria
  • Loan periods of 3, 6, 12 or 24 months
  • Loan amounts of 5 000 BGN to 30 000 BGN
  • Guaranteed collection of the receivables with legal claim
start investing learn more

Sofia Commerce Pawnshops JSC

Market leader with over 30 years of experience.

Sofia Commerce Pawn Shops is an established name in the field of lending and pawn trade, with over 30 years of experience and a strong position in the Bulgarian market. With more than 100 locations across Bulgaria, the company offers a wide range of services tailored to customers seeking quick and secure financial solutions.

Sofia Commerce is one of the few companies in the sector listed on the Bulgarian Stock Exchange (BSE), further emphasizing the trust and security it enjoys among its clients and shareholders. With a market capitalization valued at 40 million BGN, the company has over 300 shareholders who are part of its successful history.

The company serves over 40 million customers, providing loans, of which 80% are secured by gold. This makes the loans extremely secure and liquid, giving clients confidence that their financial needs are met while minimizing the company’s risk.

Sofia Commerce continues to grow and strengthen its reputation as a reliable partner, maintaining a high level of trust and security in its financial products.

MISSION

“Sofia Commerce Pawn Shops” JSC is the largest and most successful pawn shop chain, providing easy, transparent, and secure short-term financing to all customers.

The company aims to be one of the leading entities on the Bulgarian Stock Exchange through hybrid financial instruments that offer guaranteed returns.

 

Website:

                   www.sofcom.bg

 

 

Loan types:

 The company offers secured consumer loans ranging from 5 to 5,000 BGN, with a term of up to 12 months.

Country:

 Bulgaria

Business model:

 Loan disbursement conducted at physical offices

Number of locations:

105

Loan currency:

BGN (Bulgarian Lev)

Buyback guarantee:

Yes, in accordance with the company’s general terms and conditions

Number of employees:

153

Annual profitability:

5%

IpoTech Sofcom JSC

IpoTech Sofcom JSC is a leading company in non-bank mortgage lending in Bulgaria. Operating independently in the market for only four years, it already holds a 6% market share, offering secured loans against real estate mortgages. It is a subsidiary of the publicly traded Sofia Commerce Pawn Shops JSC, which has 30 years of lending experience. Beyond its extensive experience, the company ensures accurate real estate market assessments through specially developed technological solutions with algorithms, artificial intelligence, and multi-factor risk analysis.

The product offered by the company is the “Bridge Loan”—guaranteed by a co-signer and insurance.

IpoTech Sofcom JSC’s competitive advantages are:

  • A qualified team of professionals with 30 years of inherited experience. This allows for personalized service and customized solutions for each client.
  • An extensive partner branch network. The company leverages the network of Sofia Commerce Pawn Shops JSC, with 100 physical locations across Bulgaria, to reach a broad client base.
  • Implementation of artificial intelligence. New technologies enable accurate and reliable market risk assessments as well as collateral evaluation.
  • An innovative “Bridge Loan” product—an unsecured consumer loan guaranteed by a co-signer and insurance.

MISSION:

Our mission is to leverage the latest technologies to build fast and efficient lending solutions in the Bulgarian market.

Website:

https://ipoteh-sof.com/

Loan types:

The company offers unsecured consumer loans ranging from 2,000 to 30,000 BGN, with a term of up to 24 months.

Country:

Bulgaria

Business model:

Loan disbursement conducted at physical offices.

Number of locations:

5

Loan currency:

BGN (Bulgarian lev)

Buyback guarantee:

No, in accordance with the general terms and conditions of IpoTech Sofcom JSC, with a guarantee for judicial servicing of the claim.

Number of employees:

15

Annual profitability:

18 %