Sobre nosotros

Nibble no es un marketplace, sino una plataforma del holding internacional IT Smart Finance para invertir en los préstamos que se conceden por las empresas unidas bajo la marca Joymoney que también forma parte del holding. Nibble actúa como vínculo entre prestamistas e inversores y ofrece un concepto de inversión flexible que se adaptará perfecto incluso al inversor novato.

Las empresas del holding que conceden préstamos operan bajo la marca Joymoney

La marca Joymoney trabaja en el campo de los préstamos alternativos desde 2014. La empresa opera en España y Rusia. El inicio de actividades en México está programado para 2021. La misión de Joymoney es ayudar a los clientes a resolver las dificultades financieras de forma rápida y segura. Para hacerlo la empresa utiliza sus propias soluciones de software para análisis de big data, scoring y gestión de riesgos.

Cualquier empresa financiera especializada en préstamos se enfrenta inevitablemente a préstamos que no se devuelven en los términos especificados en el contrato. Muchas empresas venden este tipo de préstamos en grandes carteras en subastas con un descuento de hasta el 85% para devolver rápidamente una parte del dinero al negocio.

Boostr compra dichas carteras en subastas.

Gracias a la experiencia acumulada y las tecnologías desarrolladas por Boostr, es posible alcanzar un alto porcentaje de retorno del capital. En Eurasia la empresa cuenta con más de 5 años de experiencia y más de 80 empleados.

En Europa Boostr trabaja en colaboración con agencias de cobro, que se especializan en la recuperación de deuda de préstamos europeos.

Cómo ganamos dinero para los inversores:

Boostr compra préstamos vencidos de bancos e IMF en subastas con un descuento del 85 %.
Se inicia el proceso de cobranza extrajudicial. La agencia contacta con el prestatario y trata de acordar la devolución de la deuda.
Si no es posible ponerse de acuerdo, comienza el proceso judicail para obtener una sentencia judicial sobre el cobro de la deuda organizado por Boostr o su colaborador.
Después de recibir una sentencia judicial, la deuda, intereses y multas se cobran a través de los servicios judiciales y bancos.

La plataforma financiera Nibble opera basándose en el modelo peer-to-portfolio. Nibble está adaptada tanto para los inversores novatos como profesionales. Hemos automatizado el proceso de inversión: el inversor elige la estrategia, importe y plazo de la inversión, y la propia plataforma selecciona préstamos para la cartera de inversiones y gestiona la reinversión.

Ofrecemos a nuestros inversores un modelo flexible de funcionamiento de tres estrategias de inversión con una rentabilidad del 8 al 14,5% anual

Nuestros valores

Transparencia
Los inversores y asociados son nuestros compañeros para lograr el éxito. Mantenemos relaciones transparentes con todos los participantes del mercado
Profesionalidad
Nuestro equipo está formado por profesionales que tienen muchos años de experiencia en el mercado de servicios fintech y entendemos bien lo que necesitan nuestros clientes
Innovación
Integramos nuevas tecnologías en nuestros productos para que nuestro cliente esté satisfecho. Estamos en constante búsqueda de innovaciones tecnológicas

Nuestro equipo

Maxim
Pashchenko
Founder
Maxim is an international businessman with experience in the field of innovative technologies and is supportive of fresh, up-and-coming business trends. He has over 15-years’ experience in business management, having founded his first company in 2007. In a short time, Maxim has become one of the most well-known and successful entrepreneurs in his region. In 2013, he assembled a team of talented IT developers to create a unique FinTech platform for online consumer lending services. This platform is now the cornerstone of several fast-growing FinTech companies. Possessing such qualities as leadership, business mindset, the ability to find new opportunities and seeing the risks, Maxim determines the long-term development strategy of the group of companies and plans new business development directions.
Ivan
Sharafiev
Chief Executive Officer
Ivan graduated from ESERP Business School (Madrid, Spain) with a bachelor's degree in Economics. He also has a Master's degree in International Relations and Foreign Trade at the ESERP Business School in Barcelona. In 2015, he held the position of Assistant Deputy Director of the property department of a large gas company. Ivan has extensive experience in the field of financial technologies and the advancement of startups in the European Union to the level of companies with revenues of more than 12 million euro per year. In the company, he is engaged in the development of new business lines, the launch of projects, communication with investors.
Lyuldmila
Borodina
Chief Operational Officer
Lyudmila has an education in the field of Finance and Credit. Before joining the IT Smart Finance team, she had been working for a large international holding company Lime Credit Group, where she held the position of Executive Director. She is responsible for the organization and control of business processes of the entire group of companies, optimization of processes and services, monitoring compliance with mandatory regulatory standards. Lyudmila always achieves her goals and objectives thanks to her perseverance and solid knowledge
Vladimir
Shepelev
Information Techology Director
A qualified mathematical engineer, Vladimir is a distinguished professional in the field of programming and the creation of scalable IT systems. For 16 years, Vladimir had been leading the development team of MTS, the largest mobile operator in the CIS region. He is the author of several unique IT solutions and technologies. He also helps to implement the latest developments in the company. Continuous improvement of the level of his knowledge allows him to perform projects of any complexity and find the most effective solutions.
Alex
Paiella
Innovation Manager
Alex gained his experience working for many years in prestigious consulting firms (Innovation Manager at Ateknea Solutions) in 4 countries on 2 continents, as well as in public institutions of the European level. He knows how to help an aspiring startup overcome technological barriers and eliminate gaps in innovation for business development and entry into new markets. Alex raised more than 10 million euro for various digital projects from EIB. He is part of our team in Barcelona (Spain).
Yuri
Dergunov
Chief Legal Officer
A professional with 15 years of experience in both classical financial institutions (Societe Generale Group) and modern FinTech (Lime Credit Group). He has a degree in Law, Crisis Management, Economics and Management. Yuri is a specialist in corporate governance, licensing, AML, GR and compliance assurance. He provides reliable business support in relations with regulatory authorities and is focused on a team approach and compliance with high standards of efficiency.
Tatiana
Muminova
Financial Officer
Tatiana has more than 13 years of banking experience in the field of foreign trade financing of large corporate clients, more precisely in the UniCredit financial holding and OTP Group. During her career, she was engaged in the development and support of structured financing schemes between banks from the countries of transactions, the EBRD, IFC, export agencies such as Sace, Exim, Exiar. Tatiana is experienced in organizing financing management from scratch to the point of reaching the planned targets in 6 months. In the company, she carries out financial planning, preparation of financial statements and financial risk management. Tatiana lives and works in Barcelona (Spain).
Irina
Bychkova
Digital Marketing Manager
Irina has over 10 years of broad experience in high-tech global companies across European, African, and Asian markets. In 2014 working in leading freeware Browser & Search Engine, Chrome Plus in Vietnam, she built deep and solid technological knowledge combined with digital marketing strategies and sales techniques. These key assets make Irina a high-qualified digital marketing professional who is able to work in the most complex industries. In her client list, such top companies as CitiBank, Samsung, P&G, OPPO, Lenovo, Colgate-Palmolive, Lazada Group. Currently Irina lives and works in Barcelona (Spain).