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Contacts

e-mail
info@creamfinance.com
Latvia
creditON.lv
Czech Republic
creditON.cz
Poland
lendON.pl
Slovakia
creditONe.sk
Georgia
creditON.ge
CF_logo_grayscalecrediton-cz_logo-screditon-ge_logo-screditon-lv_logo-screditone-sk_logo-slendon-pl_logo-sedu_mapAustriaCanadaCzech RepublicDenmarkFinlandFranceGeorgiaGermanyIrelandIsraelItalyLatviaPolandRussiaSlovakiaSwedenUkraineUnited KingdomUnited States1_page_network NETWORK active_customersaverage_ageAge< 25Age25/33Age33/41Age41/49Age49/57Age57/65Age65 +22 %31 %20 %13 %7 %4 %3 %average_height198cmTALLEST PERSON155cmSHORTEST PERSON176cmAVERAGE HEIGHTcompany_statsAustriaCanadaCzech RepublicDenmarkFinlandFranceGeorgiaGermanyIrelandIsraelItalyLatviaPolandRussiaSlovakiaSwedenUkraineUnited KingdomUnited Statescompany_stats_oldISRAELGEORGIACANADAUSAGERMANYCZECH REPUBLICDENMARKSWEDENFINLANDLATVIARUSSIAUKRAINEPOLANDIRLANDFRANCEUNITED KINGDOMAUSTRIASLOVAKIAITALYcream_finance_universe_imgemployee_gender_distributiongender55%45%hobbies_curious_facts41% SPORT20% MUSIC19% OTHER13% ART16% TRAVEL10% BOOKS9% MOTOR SPORTS4% GAMING72%OF EMPLOYEESHAVE DONE SOCIALLYRESPONSIBLEACTIVITIESIN THE PASTYEAR67%EARLYBIRDS33%NIGHTOWLSlaptops_vs_desktops_in_our_offices 37% LAPTOPS 63% DESKTOPS 78% Linux- users Mac- users 11% 11% Windows- users loan_aprove31%88% Infografika_20.06 mony_vs_timeMONEYVSTIMEprinciple_lent_in020102011201220142013€ 1 000 000€ 2 000 000€ 3 000 000€ 4 500 000total_customers_with_loanstotal_registered_customers invest_bgr_1invest_bgr_2invest_bgr_3invest_picture Principle lent in € 0 2010 2011 2012 2014 2013 € 1,0 M € 2,0 M € 3,0 M € 4,5 M jobjob_picture49%MEN51%WOMEN28AVERAGEAGE2_page_fintech TECHNOLOGY FINANCE 2_page_fintech_2consumer_signinternet_signlending_signfacebook linked_in twitter vk knowledge_map
 

We Make Money Available

Creamfinance makes consumer finance quick-to-access by using the most advanced and representative scoring techniques. This minimizes consumer effort and maximizes risk management. Utilizing advanced algorithms and machine-learning capabilities to quickly evaluate and score, we make money available anytime, everywhere.

Aiming to make borrowing money online as simple as clicking one click, Creamfinance is working towards increasing automation to become one-click loans provider to consumers globally.

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SMART DATA =
SMART LOANS

We assess applications by analyzing online data and credit intel from traditional sources. Today, this is the most accurate way of measuring whether it’s appropriate to lend – it’s the sound approach powered by Smart Data. This means more people can access finance in a speedy manner when they borrow from us.

We use an innovative credit scoring approach to offer consumers rapid credit solutions in 6 markets – Poland, Latvia, Czech Republic, Georgia, Denmark, Mexico and are preparing for market entry into more. Our product portfolio includes microloans, installment loans and creditline.

TECHNOLOGY FINANCE
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Consumer

Creamfinance provides financial assistance to customers in need of convenient and speedy access to personal finance when its needed most.

Online

At Creamfinance, we do everything online. Our business is based on high-tech, digital and automated technology.

Lending

We never stop improving our approach to provide better, risk-adjusted finance and strive to become one-click loans’ provider to consumers globally.

Creamfinance provides financial assistance to customers in need of convenient and speedy access to personal finance when its needed most.

At Creamfinance, we do everything online. Our business is based on high-tech, digital and automated technology.

We never stop improving our approach to provide better, risk-adjusted finance and strive to become one-click loans’ provider to consumers globally.

*When I was young I thought that money was the most important thing in life;
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(OSCAR WILDE)
*use binary translator to discover more

How we work

At Creamfinance, we do everything online. This benefits our customers and our business – it drives our customer service as well as our own profitability and scalability.

Skilled local experts and the commitment to provide the best case practice are integral of our company’s business. We put strong emphasis on the efficient communication of both technological and social knowledge and the transparency of our operations. We value fast pace, visionary attitude and transparency; these are the values we stand for and do not compromise.


Management board

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PATRICK KOECK

Chief Operating Officer

Patrick is a catalyst for restructuring and taking things to the next level. He is systematic, precise, result-oriented and target-driven. Such set of analytical qualities is the main reason why Patrick is currently focusing on automation to minimize customer effort and maximize operational excellence in Creamfinance, where he encourages structure and order.

Before coming to Creamfinance he tested his mettle in companies such as Alkoe GmbH, the Coca-Cola Hellenic Bottling Company and KPMG Austria, where he focused on database management and Financial Controlling. Patrick is easy to spot since he is the tallest guy in the office.

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MATISS ANSVIESULIS

Co-founder and CEO

Matiss is an individual who is always striving for the best. He is constantly looking for new opportunities to improve himself as well as the surrounding environment. Being visionary, persistent and precise, Matiss is responsible for business strategy development and implementation within Creamfinance.

After completing his studies at Lancaster University’s Management School and working for JP Morgan in London, he and Davis joined forces to found Creamfinance in 2012 based on a vision to implement an innovative data-driven consumer finance company. Matiss enjoys quick pace not only in the workplace – he practices fast-pace high adrenaline sports during the weekends.

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DAVIS BARONS

Co-founder

Davis is a passionate explorer, who is always up for meeting new people. He is perceptive, innovative and is interested in personal as well as professional development. That translates into his unique ability to foresee new business opportunities within as well as outside the company.  Having an engaging nature and knowing how to involve people, Davis is working with business development towards new markets.

For over four years Davis acted as CEO of Green Fortune, a visionary company dedicated to greening urban spaces through the smart use of science and technology. Davis arrives at the office early in the mornings burning rubber on his beloved Triumph Street Triple.

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Justin Staines

Member of Advisory Board

Justin has over 20 years Global Sales experience within Computer Software and Hardware industries in Boston, San Jose, Cambridge and Dusseldorf. Justin is a pioneer in technological innovation – he has invented the technology in the pen and the sensor for Samsung and exited on the Japanese stock exchange the JASDAQ with a valuation of over a $1 billion. Following his passion – management within technology, he joined the Advisory Board of Creamfinance to advice on technology.

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Dmitry Smirnov

Member of Advisory Board

Dmitry has an extensive experience in developing companies across such sectors as e-commerce, advertisement and telecommunications. He also led an early investment in the Lending Club, America’s #1 credit marketplace. Having experience working in private equity fund FINAM Global focusing on technology as well as an international venture capital fund Flint Capital investing across Europe, Israel and US, Dmitry is advising Creamfinance on strategic venture options.

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Simon Yun-Farmbrough

Member of Advisory Board

Simon has a proven track record of envisioning, leading and delivering growth initiatives in a number of financial companies. In addition to leading the IPO of Egg, the first digital bank in United Kingdom, Simon has more than 20 years of consultancy experience within financial services. He is also a member of the Investment Committee of the world’s oldest scientific society, The Royal Society. Simon joined the Advisory Board of Creamfinance to facilitate the growth of the company.

More team members

Chief officers
Janis Pelss
Chief Risk Officer
Ivars Stankevics
Chief Legal Officer
Krzysztof Zajac
Chief Finance Officer
Markus Florian
Chief Technology Officer
Find
Available vacancies
Country managing directors
Adam Dabrowski
MD, Poland
Alexander Lomadze
MD, Georgia
Francisco De Vega
MD, Mexico
Morten King-Grubert
MD, Denmark
Liga Treiliha
MD, Latvia
Vladyslav Syhanevych
MD, Czech Republic
Find
Available vacancies

Cream Credit labs

The Cream Credit Labs develop the most advanced and representative scoring techniques. This minimizes consumer effort and maximizes risk management.

We are smart about data. We analyze the right data – data that enables us to truly understand and control credit risk and offer the best financial solution to customers. We identify statistical patterns in online data and combine this with credit intel from traditional sources to uncover precise credit and repayment trends.

We combine brilliant people and brilliant technology, including transparent, controlled, data-driven algorithms. To improve our service, we constantly refine our algorithms, models and analysis.

Click here
for investment opportunities

Creamfinance universe

The money won't create success...
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(Nelson Mandela)
*use binary translator to discover more

Business stats

MONEYVSTIME
31% 88%
22 % 31 % 20 % 13 % 7 % 4 % 3 % Age< 25 Age25/33 Age33/41 Age41/49 Age49/57 Age57/65 Age65 +
45% 55%
0 € 1 000 000 € 2 000 000 € 3 000 000 € 4 500 000 € 7 500 000 2012 2013 2014 2015

Company stats

Employee gender distribution
Men
49%
Women
51%
Average age
28
Age range
21 to 49
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