Friday, October 14, 2016

Peer-to-peer lending platform Mintos independent review

Mintos Background

Mintos is one of the fastest growing peer-to-peer lending platforms in Continental Europe. They have gained massive momentum by providing investors a platform that allows buying loan claims issued by payday lenders in Eastern Europe. The acquired claims are backed by buyback guarantees.

Buyback guarantee is an insurance product where the platform buys back the claim at nominal value (plus accrued interest) if the underlying loan defaults. In return investors are buying loan claim at a very low interest rate compared to the risk. There are loans available without buyback guarantees but investors have so far primarily acquired loans with these guarantees.

I unfortunately recently discovered that the reasons why I thought Mintos is the best platform in the industry are all lies.

Mintos is bankrupt

Mintos states that “Buy-back guarantee is a guarantee issued by the loan originator to the investor for a particular loan, whereas the loan originator will repurchase the loan from the investor if that particular loan becomes delayed more than 60 days”. In reality investors do not have any claims against the loan originators but against Mintos. When troubles come then investors are left with nothing as Mintos’ balance sheet is nearly 30 times smaller than the outstanding size of the buyback guarantees.

Mintos needs to properly account for buyback guarantees by classifying buyback guarantees as liabilities. Mintos management should thereafter file for bankruptcy protection as they do not have enough assets or reserves to cover the liabilities. This issue should be raised with the regulators and their auditor immediately before Mintos blows up with over 30 million euro of investor money.

Read below to understand why Mintos, not the loan originators, are liable for buyback guarantees.

Mintos is channeling investors’ money to its owner

Mintos states that “At the Mintos marketplace, you will find plenty of loans to invest in. Diversify across loan types, loan originators, and different geographies”. In reality over 80% of the capital is being used to fund the operations of Mintos’ actual founder and CEO Aigars Kesenfelds, the son of a Latvian politician and businessman Ivars Kesenfelds  who financed Aigars’ payday lending businesses initially. Mintos, Mogo, Hipocredit, Lendo and Banknote are all controlled by Aigars Kesenfelds. See below for documents proving the associations.

The outstanding balances of the originators on Mintos make up 80.23% of the outstanding portfolio. The rest of the businesses could have links to Mintos but I was only able to verify ownership details of companies where ultimate owners were registered in Latvia and that had meaningful size.



Capitalia at first seems independent however one of their board members Mārtiņš Krūtainis is also on the board of Hipocredit.

The ownership structure of Creamfinance (6.97% of the outstanding portfolio) lead to Cyprus - a country preferred by Russian capital.

Kredito Garantas, Creditstar, Aforti, Debifo, Acema, Aventus, Mano Unija and Agrocredit are all potentially independent. However they collectively make up only 3.91% of the total portfolio and act only as marketing gimmicks to push the diversification statement.

Scroll below for the supporting documents and more detailed explanation of the ownership structure.

Why is Mintos liable for buyback guarantees?

Mintos is liable for the buyback guarantees instead of the loan originators as the liability for honoring the buyback guarantee has been assigned to Mintos from the loan originator. Subsection 4 of paragraph 5.1.1. of the Assignment Agreement states that:

Mintos, as the representative of the Loan Originator, shall act on behalf of the Loan Originator pursuant the cooperation agreement concluded by and between the Loan Originator and Mintos by carrying out the following activities: 4) in case the buyback right of the Loan Originator is exercised, pay the buyback price of the Claim to the Assignee.

The assignment agreement further goes to state that buyback guarantee is a right of the loan originator, not its obligation. Only in case the collateral is sold or borrower is declared insolvent by court (which never happens with personal loans), does the loan originator have the liability to exercise the buyback right. However it still needs to be honored by Mintos.

11.2. The Loan Originator has the right, but not an obligation to use its buyback rights in any of the following events:
11.2.1. the Borrowers delays the payments arising from the Loan Agreement by more than 60 (sixty) days;
11.2.2. the Assignee has fully or partially recalled the authorization included in the Agreement or the Terms and Conditions of the Portal User;
11.2.3. Mintos pursuant to the Terms and Conditions of the Portal User has limited the Assignee’s rights to use the Portal;
11.2.4. in event of early termination of the Agreement;
11.2.5. pursuant to unilateral decision of the Loan Originator.
11.7. In addition to the provisions specified in Clause 11.2 of the General Terms and Conditions, if the sale of the Collateral or insolvency proceedings of the Borrower are commenced, the Loan Originator immediately exercises buyback rights granted to it by Mintos giving written notice thereof to the Assignee at its email address. Buyback rights specified in this Clause are exercised by the Loan Originator in the interests of the Assignee to ensure that the proceeds obtained from the sale of the Collateral are used to cover the Claim owned by the Assignee. As of the date of notice by Mintos to the Assignee, the Claim is considered sold back and transferred to the Loan Originator.

Why is this dangerous for investors?

Mintos states that “Every loan on the Mintos marketplace is pre-funded by the respective loan originator, which, moreover, will keep a certain percentage of the loan on its balance sheet. As the result, the incentives of loan originators and investors are aligned.” In reality Aigars Kesenfelds has designed a structure whereby funds from individual investors are directed to his companies at very low interest rates compared to the risks the companies are taking with all risks staying with the investor.

1) In case the loan performs then the loan originator is making up to 138% return on the loans (https://lendo.ge/ is issuing loans at 150% interest rates and passing only 12% to investors).
2) In addition they are making up to 7.5% of the loan amount on issuing the loan by service fees (In Latvia: https://www.mogo.lv/lv/kalkulators/ - Līguma noformēšanas komisija 7,5% no aizdevuma summas, bet ne mazāk kā 150 EUR; 7,5% no līzinga summas, bet ne mazāk kā 150 EUR)
3) In case the loan does not perform there is no liability for the loan originator as they have assigned the principal claim, plus a small share of the interest, to the investors on Mintos.
4) In case they have sold the loan with a buyback guarantee then they do not have to honor it as by law this liability has been passed to Mintos, a shell company with no meaningful assets and equity.
5) The companies are supposedly keeping a small 10% neck-in-the-game share of the loan to align risks. However point 1 and 2 above shows that this is only cosmetic and in practice they do not have to put any capital aside or get this capital back already in a month or so.

In other words – Aigars is able to earn spreads of 100%+ on loan portfolios where he has not committed any capital himself and where risks are all pushed to individual investors whilst returns all kept to himself.

How are Mintos and loan originators connected?

My research is based on public company registry information available in Latvia as well as basic online searched in LinkedIn and Google. I have enclosed the original documents as well as simplified overviews created based on this information.

List in Excel: https://drive.google.com/open?id=0B2xTRapiRmJzUlVOQ1ZvZU5hc2c
Relationship Map 1: https://drive.google.com/open?id=0B2xTRapiRmJzRnZYM01GRXpIYWs
Relationship Map 2: https://drive.google.com/open?id=0B2xTRapiRmJzRmJMeFlWeUpEajQ

Many of the people shared between companies are actually employees of FORT Law who probably is offering nominee services for Aigars to be able to cover up true ownership. You will find that 6 companies have board/council members who actually work here: http://fortlegal.com/people/




AS Mintos Holdings is a shareholder for AS Mintos Marketplace. AS Skillion Ventures is a shareholder for AS Mintos Holdings. AS Skillion Ventures is in turn is owned by Aigars Kesenfelds. AS Skillion Ventures is also the owner of AS Hipocredit. Skillion/Aigars Kesenfelds is also the owner of the Mogo and SIA "ExpressCredit" (Banknote). Lendo is owned by SIA "EC Investments" which in turn is owned by SIA "ExpressCredit"

News story on Aigars launching Skillion Ventures: http://www.db.lv/tehnologijas/kesenfelds-juniors-sak-jaunu-biznesa-projektu-238647
Mintos Holdings registry extract: https://drive.google.com/open?id=0B2xTRapiRmJzQXRWcDR0TUxXa2M
Mintos Marketplace registry extract: https://drive.google.com/open?id=0B2xTRapiRmJzT2VMZkNNRjAxWUU

HIPOCREDIT - Joint Stock Company "Hipocredit". The Board and the Council are the same as for MINTOS (AS Mintos Holdings and AS Mintos Marketplace), AS Skillion Ventures and AS Mogo.

Hipocredit registry extract: https://drive.google.com/open?id=0B2xTRapiRmJzMFdqUzNUaGZRREU

BANKNOTE - Limited Liability Company "Express Credit". 3 Council Members, from which all are also represented in other companies like Mogo, EC Investments, Mintos and Skillion Ventures. Aigars Kesenfelds is an owner of the company, based on his LinkedIn profile. SIA AE Consulting and SIA Lombards24.lv are the Shareholders for Banknote (SIA Expresskredit) LV, and all three companies share the same Shareholders/Board members.

ExpressCredit registry extract: https://drive.google.com/open?id=0B2xTRapiRmJzT25OVmNoOThXU3M

Mogo - Joint Stock Company "Mogo". The Council consists of 5 Members, from which three members are also in other companies such as MINTOS, Banknote, EC Investments, Skillion Ventures and Hipocredit. Aigars Kesenfelds is an owner of the company, based on his LinkedIn profile. Previously AS Skillion Ventures was also publicly shown as an owner (see visual map above).



Mogo registry extract: https://drive.google.com/open?id=0B2xTRapiRmJzMmdUMkRWbDFZazA

LLC Lendo is owned by SIA “EC Investments” which is owned by SIA "ExpressCredit" (Banknote).
EC Investments, SIA – same shareholders with AS Mogo, SIA "AE Consulting", Banknote (SIA Expresskredit) LV, AS Mintos Marketplace (LV), AS Mintos Holdings (LV), AS Skillion Ventures (LV). Lendo LLC, SIA "Lombards24.lv", SIA "AE Consulting". EC Investments managers have previously been on the board of AS Skillion ventures.

Lendo registry extract: https://drive.google.com/open?id=0B2xTRapiRmJzbjl3ckZQNmRab0U

Capitalia - Joint Stock Company "Capitalia". Council has 3 members, from which the Chairman is also a member of the Council in AS Hipocredit. AS Capitalia has a pledge of Creamfinance.

Capitalia registry extract: https://drive.google.com/open?id=0B2xTRapiRmJza0gxSTZDbHh0MUU

CREAM FINANCE - Limited Liability Company "CREAM Finance". AS Capitalia has a pledge of Creamfinance

Creamfinance registry extract: https://drive.google.com/open?id=0B2xTRapiRmJzdU05RlVvdUVVWEU

What should I do?

If you think you have been misled by Mintos then contact the regulators in Latvia:


The size of this financial scheme has already grown enormous. If Mintos is stopped today then the situation might resolve without causing actual losses as Aigars and his companies potentially still have the funds to repay investors. If you wait to take action you are risking of losing all your funds.








55 comments:

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  2. The list of Board members and Supervisory Board members of ACEMA Credit Czech a.s. is publicly available here (in Czech language) https://or.justice.cz/ias/ui/rejstrik-firma.vysledky?subjektId=522513&typ=PLATNY but the owners are not disclosed. From the legal document available here https://or.justice.cz/ias/ui/vypis-sl-firma?subjektId=522513 one can read that the 95% owner is a Cyprus company Davis Salomon Group LTD.

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  3. Thanks for your research. Lots of alarming information there.

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  4. I don't think I agree with you on the points 3 and 4 about the dangers of Mintos that Mintos is liable to pay the buyback.

    In 10.3 of the agreement it explicitly says that Mintos transfers the funds from the Loan Originator to the Investor in case of the Buyback right is exercised after 60 days. The Loan Originator has the obligation (not a right) to pay the Buyback after 60 days of payment delays (this is the agreement where there is a buyback). So why have you concluded otherwise?

    The sentence in 10.3: "The Loan Originator hereby authorizes Mintos, in case if the Loan Originator’s obligation to exercise its buyback obligations have occurred, to write off from the Loan Originator’s Account and transfer the virtual money equivalent to the buyback price to the Virtual Account of the Assignee immediately, without obtaining prior separate order from the Loan Originator."

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  5. A have a big percentage of my portfolio invested in Mintos and this article scares me. But all of the loans I made in the previous year were with the "Buyback guarantee after 60 days non payment" worked out, and paid back the money. Would something like this be allowed within the EU?

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  25. Hey Guys!!! I got my ATM blank card from Certified Hackers from ITALY. My blank ATM card can withdraw $1,000 to $150,000 daily i know its sounds too good to be true but i am sharing this info because i got this said blank ATM card after i was ripped off by two fake hackers from Nigeria; YES' Its true that scammers are out that ripped me off until i finally got hold of this hackers from ITALY that delivered the card to me after i paid the purchasing fee for the card, now i have more than enough to spend and planning on getting a home for myself soon. This card has been functioning for over a month now and everything seems like magic because I've enough for me & my 2 kids. Thanks to MAJOR SUCCOUR from ITALY that mailed the card to me within 72 hours, get in touch with this hacker to become rich & i bet you no gimmicks!! They are REAL.. Get one from them by reaching out to this email address: dr_williamthomas78@mail.com

    ReplyDelete
  26. Have you heard about programmed ATM card? email: (williamshackers@hotmail.com) or WhatsApp +27730051607 for enquiring on how to get the ATM programmed card.
    We have special cash loaded programmed ATM card of $5000, $10000, $15000, $20000 and any amount your choice you need for you to buy your dream car, house and to start up your own business. Our ATM card can be used to withdraw cash at any ATM or swipe, stores and POS. Our card has daily withdrawal limit depending card balance you order. Contact us via Email if you need a card email: (williamshackers@hotmail.com) or WhatsApp +27730051607.


    ReplyDelete
  27. Do you need an urgent loan today? Are you thinking of clearing debt or you have intentions of starting a new business? We offer loans at low interest of 3% for personal and business purposes! We also offer easy approval and fast transfer as guaranteed by our insurance company. Interested persons should contact Mr Carroll Walker with Email: infoloanfirm8@gmail.com

    ReplyDelete
  28. My name is Mrs Ruth, I am a Citizen Of Austria.Have you been looking for a loan? Do you need an urgent personal loan or business loan? contact Mr Carroll Walker Finance Home he help me with a loan of 42,000 Euro some days ago after been scammed of 2,800 Euro from a woman claiming to been a loan lender but i thank God today that i got my loan worth 42,000 Euro. Feel free to contact the company for a genuine financial service. Email:(infoloanfirm8@gmail.com)

    ReplyDelete
  29. My name is Mrs Ruth , am a Citizen Of Austria.Have you been looking for a loan? Do you need an urgent personal loan or business loan? contact Mr Carroll Walker Finance Home he help me with a loan of 42,000 Euro some days ago after been scammed of 2,800 Euro from a woman claiming to been a loan lender but i thank God today that i got my loan worth 42,000 Euro. Feel free to contact the company for a genuine financial service. Email:(infoloanfirm247@gmail.com)

    ReplyDelete
  30. Loan Offer now .

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    ReplyDelete
  31. GET RICH WITH BLANK ATM
    I'm here to testify about Mr James blank ATM cards which can withdraw
    money from any ATM machines around the world. I was very poor before and
    have no job.I saw so many testimony about how Harry send them the ATM blank
    card and use it to collect money in any ATM machine and become rich. I
    email him also and He sent me the blank card. I have use it to get 500,000
    dollars. withdraw the maximum of $1000 -$5,000 daily. Mr James is giving out
    the card just to help the poor. Hack and take money directly from any ATM
    Machine Vault with the use of ATM Programmed Card which runs in automatic
    mode.on how to get it the card here are his details<<mrjamescards@gmail.
    com

    ReplyDelete
  32. Hola a todos. Vi comentarios de personas que ya obtuvieron su préstamo de préstamos de corazón puro y luego decidí presentar una solicitud de acuerdo con sus recomendaciones y, hace unas horas, confirmé en mi cuenta bancaria personal un monto total de $ 20,000 que solicité. Esta es realmente una gran noticia y estoy aconsejando a todos los que necesitan un préstamo real que presenten su solicitud por correo electrónico a frankraymondloaninvestment@gmail.com
    Whatsapp +19174731307 Estoy feliz ahora que obtuve el préstamo que solicité

    ReplyDelete
  33. HOW I GOT MY LOAN FROM THIS GREAT COMPANY CALLED CARROL WALKER LOAN COMPANY

    Hello to All across the globe, I am Martha Loiussa, currently living in JAPAN now. I am a widow at the moment with 2 kids and I was stuck in a financial situation in march 2019 and I needed to refinance and pay my bills. I tried seeking loans from various loan firms both private and corporate but never with success, and most banks declined my credit ,do not fall prey to those hoodlums out there that call them self money lender most of them are scam , all they want is your money and you will not hear from them again they have done it to me twice before I meet MRS CARROL WALKER the most interesting part of it is that my loan was transfer to me within 24hours so I will advice you to contact MRS CARROL WALKER if you are interested in getting loan and you are sure you can pay him back on time you can contact him via email……… (infoloanfirm8@gmail.com No credit check, no co signer with just 3% interest rate and better repayment plans and schedule if you must contact any firm with reference to securing a loan without collateral then contact MRS CARROL WALKER today for your loan

    ReplyDelete
  34. My name is Mr Christopher Nissan, I am a Citizen Of Netherland. Have you been looking for a loan?Do you need an urgent personal loan or business loan?contact Dr Carrol walker Finance Home he help me with a loan of $42,000 some days ago after been scammed of $2,800 from a woman claiming to been a loan lender but i thank God today that i got my loan worth $42,000. Feel free to contact the company for a genuine financial service. Email:(infoloanfirm8@gmail.com)

    ReplyDelete
  35. Get A Blank ATM CARD And Cash Good Money/Funds Pay Your Debt directly today in any ATM machine around you anywhere in the world. contact cryptoatmhacker@gmail.com.. It's 100% guaranteed secure with no worries of being caught because the blank card it's already programmed and loaded with good funds in it, in such a way that's not traceable which also have a technique that makes it impossible for the CCTV to detect you, i am not a stupid man that i will come out to the public and start saying what someone have not done. For more info contact Mr john and also on how you are going to get your Card, Order yours today via Email: cryptoatmhacker@gmail.com

    Blog Site: https://cryptoatmhacker1.blogspot.com/2020/05/get-blank-atm-card-and-cash-good.html

    ReplyDelete
  36. Get A Blank ATM CARD And Cash Good Money/Funds Pay Your Debt directly today in any ATM machine around you anywhere in the world. contact cryptoatmhacker@gmail.com.. It's 100% guaranteed secure with no worries of being caught because the blank card it's already programmed and loaded with good funds in it, in such a way that's not traceable which also have a technique that makes it impossible for the CCTV to detect you, i am not a stupid man that i will come out to the public and start saying what someone have not done. For more info contact Mr john and also on how you are going to get your Card, Order yours today via Email: cryptoatmhacker@gmail.com

    Blog Site: https://cryptoatmhacker1.blogspot.com/2020/05/get-blank-atm-card-and-cash-good.html

    ReplyDelete
  37. Cool way to have financial freedom!!! Are you tired of living a poor life, here is the opportunity you have been waiting for. Get the new ATM BLANK CARD that can hack any ATM MACHINE and withdraw money from any account. You do not require anybody’s account number before you can use it. Although you and I knows that its illegal,there is no risk using it. It has SPECIAL FEATURES, that makes the machine unable to detect this very card,and its transaction can’t be traced .You can use it anywhere in the world. With this card,you can withdraw nothing less than $4,500 a day. So to get the card,reach the hackers via email address : besthackersworld58@gmail.com or whatsapp him on +1(323)-723-2568

    ReplyDelete
  38. Get A Blank ATM CARD And Cash Good Money/Funds Pay Your Debt directly today in any ATM machine around you anywhere in the world. contact cryptoatmhacker@gmail.com.. It's 100% guaranteed secure with no worries of being caught because the blank card it's already programmed and loaded with good funds in it, in such a way that's not traceable which also have a technique that makes it impossible for the CCTV to detect you, i am not a stupid man that i will come out to the public and start saying what someone have not done. For more info contact Mr john and also on how you are going to get your Card, Order yours today via Email: cryptoatmhacker@gmail.com

    Blog Site: https://cryptoatmhacker1.blogspot.com/2020/05/get-blank-atm-card-and-cash-good.html

    ReplyDelete
  39. Get A Blank ATM CARD And Cash Good Money/Funds Pay Your Debt directly today in any ATM machine around you anywhere in the world. contact cryptoatmhacker@gmail.com.. It's 100% guaranteed secure with no worries of being caught because the blank card it's already programmed and loaded with good funds in it, in such a way that's not traceable which also have a technique that makes it impossible for the CCTV to detect you, i am not a stupid man that i will come out to the public and start saying what someone have not done. For more info contact Mr john and also on how you are going to get your Card, Order yours today via Email: cryptoatmhacker@gmail.com

    Blog Site: https://cryptoatmhacker1.blogspot.com/2020/05/get-blank-atm-card-and-cash-good.html

    ReplyDelete
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  41. Cucina Finance (UK) Limited provides personal loans/business loans/trade finance/import & export loans/project loans to companies of all sizes ranging from individuals, companies and trader's globally. Just one simple process, We make financing the growth of your business simple, transparent, and fair.


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    CIS & KYC required for all loan applicant irrespective of location/country
    Loan Duration from 1 year - 20 years maximum
    Grace period of 12 - 24 months for large business loans/working capital
    Loan Funding/Financing is not limited to any geographical location or country whatsoever


    We build just the right financing for each client, with simple paperwork, quick approvals, and flexible payment schedules. For further details, Kindly contact us via email, telephone, Skype. Intermediaries/Consultants/Brokers are welcome to bring their clients and are 100% protected. In complete confidence, we will work together for the benefits of all parties involved, Looking forward to rendering the best of our services to all esteemed clientele globally.


    Cucina Finance (UK) Limited
    Website: https://cucinafinance.com
    Email: finance@cucinafinance.com
    Tel: +44 (123) 388-5014
    Whatsapp: +44 7425-381661
    Enterprise House, Eureka Business Park,
    Ashford, Kent, TN25 4AG United Kingdom
    Company Registration No. 02587815

    ReplyDelete
  42. Cucina Finance (UK) Limited provides personal loans/business loans/trade finance/import & export loans/project loans to companies of all sizes ranging from individuals, companies and trader's globally. Just one simple process, We make financing the growth of your business simple, transparent, and fair.


    No jargon, no hidden fees
    Simple approval process
    Fast business loans funded in just 2-3 business days
    Low Interest rate of 2%
    Companies can be profitable or have negative net income
    Prior bankruptcies accepted
    Zero credit checks required
    Individuals with Bad credit can apply
    Flexible repayment schedules
    CIS & KYC required for all loan applicant irrespective of location/country
    Loan Duration from 1 year - 20 years maximum
    Grace period of 12 - 24 months for large business loans/working capital
    Loan Funding/Financing is not limited to any geographical location or country whatsoever


    We build just the right financing for each client, with simple paperwork, quick approvals, and flexible payment schedules. For further details, Kindly contact us via email, telephone, Skype. Intermediaries/Consultants/Brokers are welcome to bring their clients and are 100% protected. In complete confidence, we will work together for the benefits of all parties involved, Looking forward to rendering the best of our services to all esteemed clientele globally.


    Cucina Finance (UK) Limited
    Website: https://cucinafinance.com
    Email: finance@cucinafinance.com
    Tel: +44 (123) 388-5014
    Whatsapp: +44 7425-381661
    Enterprise House, Eureka Business Park,
    Ashford, Kent, TN25 4AG United Kingdom
    Company Registration No. 02587815

    ReplyDelete
  43. Cucina Finance (UK) Limited provides personal loans/business loans/trade finance/import & export loans/project loans to companies of all sizes ranging from individuals, companies and trader's globally. Just one simple process, We make financing the growth of your business simple, transparent, and fair.


    No jargon, no hidden fees
    Simple approval process
    Fast business loans funded in just 2-3 business days
    Low Interest rate of 2%
    Companies can be profitable or have negative net income
    Prior bankruptcies accepted
    Zero credit checks required
    Individuals with Bad credit can apply
    Flexible repayment schedules
    CIS & KYC required for all loan applicant irrespective of location/country
    Loan Duration from 1 year - 20 years maximum
    Grace period of 12 - 24 months for large business loans/working capital
    Loan Funding/Financing is not limited to any geographical location or country whatsoever


    We build just the right financing for each client, with simple paperwork, quick approvals, and flexible payment schedules. For further details, Kindly contact us via email, telephone, Skype. Intermediaries/Consultants/Brokers are welcome to bring their clients and are 100% protected. In complete confidence, we will work together for the benefits of all parties involved, Looking forward to rendering the best of our services to all esteemed clientele globally.


    Cucina Finance (UK) Limited
    Website: https://cucinafinance.com
    Email: finance@cucinafinance.com
    Tel: +44 (123) 388-5014
    Whatsapp: +44 7425-381661
    Enterprise House, Eureka Business Park,
    Ashford, Kent, TN25 4AG United Kingdom
    Company Registration No. 02587815

    ReplyDelete

  44. Binary/bitcoin optional trading!!!!
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  45. Are you tired of seeking loans and Mortgages, have you been turned down constantly By your banks and other financial institutions,We offer any form of loan to individuals and corporate bodies at low interest rate. If you are interested in taking a loan, feel free to contact us today, We promise to offer you the best services ever. Just give us a try, because a trial will convince you.What are your Financial needs?Do you need a business loan?Do you need a personal loan?Do you want to buy a car?Do you want to refinance?Do you need a mortgage loan?Do you need a huge capital to start off your business proposal or expansion? Have you lost hope and you think there is no way out, and your financial burdens still persists? Contact us (infoloanfirm8@gmail.com)

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  46. I want to share my testimony on how i got the blank ATM card. I was so wrecked that my company fired me simply because i did not obliged to their terms, so they hacked into my system and phone and makes it so difficult to get any other job, i did all i could but things kept getting worse by the day that i couldn’t afford my 3 kids fees and pay my bills. I owe so many people trying to borrow money to survive because my old company couldn’t allow me get another job and they did all they could to destroy my life just for declining to be among their evil deeds. haven’t given up i kept searching for job online when i came across the testimony of a lady called Judith regarding how she got the blank ATM card. Due to my present state, i had to get in touch with Hacker called OSCAR WHITE of oscarwhitehackersworld@gmail.com and he told me the procedures and along with the terms which i agreed to abide and i was told that the Blank card will be deliver to me without any further delay and i hold on to his words and to my greatest surprise, i received an ATM card worth $4.5 million USD , All Thanks to OSCAR WHITE , if you are facing any financial problem contact him asap email address is oscarwhitehackersworld@gmail.com or whats-app +1(323)-362-2310

    ReplyDelete
  47. Do you need an urgent loan today? Are you thinking of clearing debt or you have intentions of starting a new business? We offer loans at low interest of 3% for personal and business purposes! We also offer easy approval and fast transfer as guaranteed by our insurance company. Interested persons should contact Mr Carroll Walker with Email: infoloanfirm8@gmail.com

    ReplyDelete
  48. email: visacreditcardsolution@gmail.comGET YOUR BLANK ATM CREDIT CARD AT AFFORDABLE PRICE*
    **We sell these cards to all our customers and interested buyers
    worldwide,the card has a daily withdrawal limit of $5000 and up to $50,000
    spending limit in stores and unlimited on POS.**

    **WHAT WE OFFER**

    *1)WESTERN UNION TRANSFERS/MONEY GRAM TRANSFER*
    *2)BANKS LOGINS*
    *3)BANKS TRANSFERS*
    *4)CRYPTO CURRENCY MINNING*
    *5)BUYING OF GIFT CARDS*
    *6)LOADING OF ACCOUNTS*
    *7)WALMART TRANSFERS*
    *8)BITCOIN INVESTMENTS*
    *9)REMOVING OF NAME FROM DEBIT RECORD AND CRIMINAL RECORD*
    *10)BANK HACKING*

    ReplyDelete
  49. email: visacreditcardsolution@gmail.comGET YOUR BLANK ATM CREDIT CARD AT AFFORDABLE PRICE*
    **We sell these cards to all our customers and interested buyers
    worldwide,the card has a daily withdrawal limit of $5000 and up to $50,000
    spending limit in stores and unlimited on POS.**

    **WHAT WE OFFER**

    *1)WESTERN UNION TRANSFERS/MONEY GRAM TRANSFER*
    *2)BANKS LOGINS*
    *3)BANKS TRANSFERS*
    *4)CRYPTO CURRENCY MINNING*
    *5)BUYING OF GIFT CARDS*
    *6)LOADING OF ACCOUNTS*
    *7)WALMART TRANSFERS*
    *8)BITCOIN INVESTMENTS*
    *9)REMOVING OF NAME FROM DEBIT RECORD AND CRIMINAL RECORD*
    *10)BANK HACKING*

    ReplyDelete
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