Business model of Bondora

Bondora earns it revenue from financing and servicing consumer loans. As of date, revenue is sourced from five services:

  1. Contract fees charged to borrowers when the principal amount is paid out.
  2. Monthly account fee charged to borrowers over the course of the loan repayment period.
  3. Debt collection fees charged to borrowers, where laws permit, or which are deducted from cash flow recovered from delinquent loans that went through the collection process.
  4. Fees received for B Secure that affords borrowers flexibility in managing loan repayment schedules to take account of changes in their financial circumstances.
  5. Interest earned on unsold loan receivables.


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