ServiceHub Lucros

Main article: Kraudinvesting (joint-stock crowd funding) and Kraudlending

2020: Start of the investment Lucros platform

On November 5, 2020 the ServiceHub company announced start of the investment Lucros platform in partnership with MTS by Bank.

The Lucros online platform allows individuals to invest means in projects of participants of the state order. The amount of an investment – from 5 thousand to 3 million rubles, term – from one month to one year, profitability within one project – 18-24% godovykh1. At the same time the number of projects for investment is not limited.

It is simple to invest on Lucros:

• be registered on the online platform;
• in a personal account to fill out data and to confirm phone;
• fill up the personal virtual account from the card of any bank;
• invest and gain income;

After investment term withdrawal of funds is available 24/7 on the details specified in a personal account. The commission of the platform will make 25 rubles for each operation on an output.

The platform will help small and medium business to attract financing on execution of government contracts: the maximum amount – 3 million rubles, the maximum term – 12 months, an interest rate – 24% per annum. The commission of the platform will make 3% of a loan amount and is single payment for the borrower which he performs before transfer to it the raised money. Perhaps complete early repayment.

When opening a checking account in MTS Bank borrowers receive a preferential interest rate in the amount of 18% per annum, it is available to also acting clients of bank from among small business.

It is simple to receive financing on Lucros:

• after the victory in the tender on 44-FZ or 223-FZ and to obtain the bank guarantee in credit institution from among partners of the investment platform;
• be registered on the platform;
• place the online request for "A loan from investors";
• wait for the end of collecting of investments;
• sign documents, including the electronic signature;
• receive the raised money on a checking account.

The crowdfunding platform – a convenient, popular and profitable format of interaction of private investors and business. Lucros will become for the companies and entrepreneurs an alternative method of receiving money and financial support of "turnkey" government contracts. For investors the Lucros platform is an opportunity to gain a passive income with a minimum risk – projects undergo two-factor testing: automatic scoring and manual underwriting. Also on the website users see expanded analytics of borrowing company: accounting records, experience of performance of contracts, history of loans, – the head of a cluster of small business of MTS of Bank Valery Talalayev told.

Our experience in financial that of the industry and knowledge in the field of risks assessment allowed to create the investment platform. We cooperate with large representatives of financial market and electronic marketplaces, and together with them in 12 years developed 15 online projects. We know how to minimize risks of investors, and we place projects of only positively proved borrowers which number makes about 17 thousand a year. Potential investment volume into such projects – more than 150 billion rubles. At the same time borrowers had an alternative method of receiving means – fast and very convenient, – the administrative director (CAO) of Lucros Yulia Kuzmina added.

The platform is included in the list of operators of investment platforms of the Central Bank of the Russian Federation. The operator of the nominal account of service – MTS Bank.