Lender Invest

Performance indicators

2024: Revenue of 137 million rubles

The Land Invest investment platform summed up 2024 on April 16, 2025. The company showed growth in key indicators, strengthened control over the quality of the portfolio and launched a product with guaranteed profitability - "Capital Protection."

• At the end of 2024, the revenue of Lender Invest amounted to 137 million rubles, and net profit - 40.5 million
• The number of investors on the platform doubled over the year - up to 12 thousand, and as of April 2025 it exceeds 13 thousand
• The number of registered borrowers increased eightfold - to 3376
• The total volume of loans issued exceeded 2 billion rubles

The investment portfolio of Lender Invest has more than doubled since the beginning of 2024: to 630 million as of January 1, 2025, reaching 769 million by April 2025.

The main focus in the growth strategy has shifted from increasing the number of loans to increasing the average amount of one loan. The minimum check for the investor increased, the volume of monthly issues reached 270 million rubles in March 2025, and the total volume of loans issued exceeded 2.2 billion rubles.

The main sources of income for Lender Invest remain commission payments, as well as services for finding buyers of commercial bonds and agency fees for raising funding. The company announces the expansion of the staff to 50 people and optimization of expenditure items by excluding inefficient costs. This allowed the company to increase profitability and ensure a stable financial result.

In 2024, the company focused on borrowers with high financial stability, which positively affected the delinquency indicators (NPL 90 +) and ensured the stability of the portfolio. In the context of the growth of the key rate of the Central Bank and the deterioration of payment discipline in the market, the company strengthened internal processes: stricter requirements for borrowers were introduced, scoring models were improved, and collection and security services were expanded. Thanks to these measures, the level of problem debt was kept under control, and the volume of successfully recovered overdue loans since the beginning of 2024 amounted to almost 70 million rubles.

One of the main launches of 2024 was the Capital Protection product. This decision offers investors a high yield of up to 32%, while the platform takes on the risks. The product is developed on the basis of statistics of its own portfolio and deep research of industry risks and has already received a positive response from investors.

Also in 2024, the company recorded an increase in interest from institutional partners and strengthened partner programs, which opens up the potential for further scaling.

In 2025, the company plans to reach the indicator of attracting investments in the amount of 1 billion rubles per month and increase the size of the loan portfolio to 4 billion rubles. Among the targets are also commission income over 260 million rubles, interest income from its own active operations over 370 and an increase in the share in the Russian crowdlanding market to 25%. Lender Invest plans to triple the number of investors and reach 40,000 users.

At the same time, the company is preparing to enter the public market: in 2024, 150 million rubles were raised as part of the pre-IPO of the placement, and the company's valuation amounted to 1 billion rubles. In 2025, Lender Invest intends to receive a credit rating, issue bonds and complete the transition to international reporting standards (IFRS) in order to reach an IPO by 2026.

History

2024: Attraction of RUB 150 mln of investments

In September 2024, the Land Invest investment platform (Lander-Invest LLC) successfully completed the pre-IPO procedure, during which the company managed to attract ₽150 million. The event marked the first investment round for the platform and marked the beginning of preparations to enter the public market.

According to Sheets"," the company placed 15% of its capital on the VTB registrar platform. As a result of the transaction, carried out in the cash-in format, the assessment of Lender Invest, taking into account the funds raised, reached ₽1 billion. The CEO of the company Dmitry Isakov said that the capital included exclusively large private investors. The leading investor invested ₽50 million, and the other two largest participants - ₽20 million each.

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Фото: Unsplash

Lender Invest plans to use the funds raised to expand its customer base and marketing goals (about 70%), develop new products (20%) and develop its own IT system (10%). The company intends to increase the number of users from the current 10,000 to 120,000 by the time of its IPO.

According to the management statement, Lender Invest expects to hold an IPO on the Moscow Exchange in 2026. The company plans to prepare IFRS statements for 2024, receive a credit rating and issue bonds in 2025. By the time it goes public, Lender Invest aims to reach an estimate of about ₽10 billion.

Experts note that the crowdlanding market in Russia is showing rapid growth. According to the Association of Investment Platform Operators, the market volume doubled in 2023 and reached ₽24,1 billion. Analysts attribute this to the search for alternative sources of financing for businesses and the desire of individuals for higher returns in the face of inflation.

Lender Invest became the third company in its niche to announce plans for an IPO. Earlier, such intentions were announced by the market leader JetLend and the Voiskafe platform^[1]

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