Credit Morgan™ is a digital finance platform that offers the financing of small businesses much more straightforward and cheaper than traditional banks and gives financial return to our investors as well due to utilising technology as Big Data gathering and automating the entire process from A-B with Artificial Intelligence.
We call it, Social-Profit-Sharing.
Welcome to the new generation banking! by Credit Morgan™.
We have designed our products with the needs of your company.
Tell us about your company's project and financing needs. We'll tell you the appropriate financing product for you.
Benefits for Businesses
Much cheaper, faster, flexible and simple financing than banks
Boost your cash flow
Hire more staff
Go International markets
Anything you need to grow
Benefits for Investors
Direct links with credit-worthy businesses
Strong and attractive stable returns
Portfolio flexibility and diversification
Investment ratings and risk assessment
Transparent and direct reporting
Credit loss protection fund - we invest with you
What we look for
At least €200k in the last year
Operating for at least 18 months
Up to two years of financial reports
Registered business in UK or Norway
How it Works
Online, simple and fast.
We're not a bank.
Instead, we connect borrowers with investors through our online marketplace.
Small and medium-sized businesses wanting to grow their businesses can easily access commercial loans.
1- Tell us about yourself and your business (10 minutes)
Answer a few questions and provide some basic accounting and bank data.
2- We review your application (24 hours)
Our team of credit experts will review your application and we’ll be in touch with a decision.
3- Accept your offer (One week)
Individual and institutional investors finance to your company. Just a week after your application, you can access to your funds.
Screens borrowers, facilitates the transaction, and services the loans. We review applications and approve creditworthy European businesses.
We then pay out their loans and process repayments for investors.
In exchange for solid returns, investors purchase Notes, which correspond to fractions of loans.
1- Open your online account
Set up your account in minutes and transfer money from your bank.
2- Start lending automatically
Our automatic lending tool allows you to lend small amounts to hundreds of different businesses.
3- Receive monthly repayments
You’ll typically receive repayments with profit share each month from the businesses you’ve lent to.
The key risk to our investors is increased borrower default rates. We seek to mitigate this risk through:
Underwriting excellence: Robust and thorough credit checks on all borrowers. We take a careful approach to lending and only lend to creditworthy borrowers.
Portfolio management: Lending is diversified across different borrower types and sectors.
The Protection Fund: Provides a buffer against poorly performing loans. Our protection fund represents the amount of money that is reserved by our financing platform to repay you, the investor, if a borrower is not able to repay their loan.
Bank-level Security: Your personal information is fully encrypted, securely stored, and protected by our state-of-the-art technology.
We take privacy seriously: We use 128-bit SSL protection and strict, high levels of security & encryption standards.