Noviti Finance bonds offer a 9% annual return backed by the confidence of European institutional investors

In Lithuania, as many as 84% of companies fall into the small business segment, which has traditionally not been a priority for commercial banks. This financing gap is addressed by business lender Noviti Finance, which is inviting investors to support its continued growth through a new bond offering.

The first tranche will offer EUR 2 million of bonds with a 9% annual interest rate. The proceeds will be used to further develop the company's technology platform and expand its range of services for businesses. The total bond programme will amount to EUR 5 million, with the bonds being offered through the BeMyBond bond platform.

One of the strongest indicators of Noviti Finance's reliability is its long-standing track record and unique position in the region. It is the only non-bank lender working with all three of Europe's largest institutional lenders – the European Investment Fund (EIF), the European Bank for Reconstruction and Development (EBRD), and the Council of Europe Development Bank (CEB) – as well as Lithuania's National Development Bank ILTE.

Up to 80% of the company's loan portfolio is covered by international and national guarantees, significantly reducing risk and providing additional security. This guaranteed loan portfolio will serve as collateral for bond investors. In addition, the company generates a stable monthly cash inflow of more than EUR 1 million from loan repayments.

"If we meet the requirements of these European institutional partners, it means that we are a safer company for everyone who chooses to work with us," says Linas Armalys, CEO of Noviti Finance.

According to Indrė Dargytė, CEO of the BeMyBond bond platform, corporate bonds such as these provide an important counterbalance to the real estate projects that currently dominate the alternative investment market.

"We want our investors to become comfortable investing in businesses as well. We do not want alternative financing to be concentrated solely in the real estate sector," says the platform's co-founder.

The bonds have a 24-month maturity, offer a 9% annual return, and will be available from EUR 1,000. The offering will be open from February 4 to February 13. Learn more about the investment opportunity and offering terms in the Verslo tribūna interview with Indrė Dargytė and Linas Armalys.

Registered users of the BeMyBond platform can access the full project documentation before investing.