Investor funds are deposited in a trust account, exclusively. This account is managed by an external trustee (“BDO Trusts”). In addition, all the payments for the loans are deposited into the trust account – for the investors. It’s important to note that the trust account is a completely separate account in which only investors money is managed. This enables a complete separation between company funds (“The Company”) and investors’ money (we’d also love to see you among them).
Developed by BTB, B-Match technology is an advanced technology with one goal in mind. Its role is to produce maximum diversification of investors’ money for the maximum amount loans. In a short time, the B-Match system produces a portfolio of hundreds of loans, with the share of each investor and investment in one loan, not exceeding 2% of their money. Still not impressed? As time goes on, the B-Match system continues to work and reduce the exposure of each and every investor in a loan to 0.1% of their money (except for gold loans, which are also backed by a mortgage on a real estate property or a cash deposit).
We don’t like to brag, but in December 2020, the B-Match system won first place in the Banking Tech Awards – the international competition for financial technology companies and financial institutions, which took place in London. It’s quite a formidable piece of technology.
It’s clear to us that you are looking for an investment and not a wedding, so it’s imperative that the investment money be liquid and accessible at all times. To this end, we’ve built a liquidity mechanism that allows investors to apply for withdrawals at any stage (even after lunch, when we’re tired). Since the loans are given for periods of several years, the withdrawal of funds depends on the amount of money coming in daily from other investors and the repayments of the loans. These parameters determine the rate of cash flow.
Just a quick note regarding the withdrawal of funds: the withdrawal of funds means the sale of all active loans at their value to other investors, with the exception of the following loans:
For those interested, you can apply to sell the loans mentioned above at a reduced value or alternatively – not to sell them and continue to receive repayments for them, through the mutual guarantee fund mechanism and in accordance with its rules until they have are settled.
On the other hand, withdrawing funds does not incur any commission or cost and any investor can request to withdraw their money at any time (but as we said, subject to the amount of investors looking to invest at the same time). What do we look like to you, the Bank? OR We don’t ever want to be like a traditional bank!
Loans are given for a variety of periods ranging from four (4) to forty (40) years, while loans for a period exceeding eight (8) years are given against additional collateral in the form of a mortgage on a real estate property or a cash deposit.
The interest rate on the loan is determined by quality characteristics such as: loan size, loan period, type of collateral, seniority in business activity, business past, existence (or absence) of negative indicators, borrower quality, sector and more will affect the interest rate.
What’s important to note is that the interest rate set by us is not an interest rate that reflects risk, but, rather, quality. We do not price risk with interest and certainly do not approve loans that we believe are risky.
Most of the loans approved by us are loans calculated according to the Spitzer table. Hence, the vast majority of the payments received for investors are monthly payments of principal and interest. Therefore, the monthly amount received can be withdrawn or can be invested in new loans through the Re-invest mechanism – a mechanism that allows investors to earn additional interest (“compound interest”) on their money, and indeed, the vast majority of our investors choose to benefit from this option.
Implementation of this mechanism does not harm or prevent the sale of any loans, and you can request to sell your portfolio or a portion thereof at any time.
The mutual guarantee fund is an accrual fund, to which all BTB investors set aside 1% of each deposit and receipt. The provision that investors must make from the initial deposit amount, in the amount of 1% of their money, is paid from their account in 24 equal payments in order to generate a positive return for investors as soon as the first month of investment. The funds set aside for the mutual guarantee fund are used to cover payments of loans in arrears, in order to increase protection against fluctuations and delinquencies, and they are not returned to investors when the money is withdrawn.
There is no fine print and no surprises – the management fee is currently at a rate of 0.7% per year in the regular route (B-Match) and 0.8% per year in the collateral route (B-Gold). State-guaranteed loans will be charged an additional management fee equal to half of the interest exceeding 4% in a monthly calculation.
With us, investors only pay 15% tax on interest. This is in accordance with the rolling tax provision from the tax authority and similar to the interest on a bank deposit. In accordance with rolling, we deduct, on a monthly basis, the tax payment from each individual investor.
All investors, at the end of each tax year, can obtain Form 867, which is in the personal information area of the system. From it, you can learn about all the interest receipts they received that year.
Interested in investing as a corporation? Wow, we’re flattered! In this scenario, you’ll pay the current corporate tax rate. A corporation that presents an exemption from withholding tax, including interest, will be able to pay tax on the date of the annual payment, and as part of the annual report, and enjoy compound interest during the year.
It is important to note that the above is general information that does not constitute taxation advice tailored to the client’s needs, and it is recommended to check taxation issues, including VAT, with a qualified tax advisor.
This ensures the loan repayment capacity of our borrowers and the monetary security of our investors.
Business owners enjoy both loans and attractive financing as well as a quick response tailored specifically for them.
We’re here to help! Our client portfolio managers are available by calling (073) 207-3255 between the hours of 9:00AM-6:00PM, Sunday-Thursday.
You can also email us at anytime at [email protected]
Absolutely! We’d also like to note that on February 1, 2018, the law regulating the activity of P2P platforms in Israel, or in its official name – Amendment No. 4 to the Supervision of Financial Services (Regulated Financial Services) Law, 2016, came into force. It should also be noted that we were initiators of the legislation and were involved and active throughout the legislative process – from the wording of the law, through to the meetings of the Knesset committees, culminating in the adoption of the amendment to law in its current wording.
Capital Market, Insurance and Savings Authority is the regulator responsible for our activities and the company operates by virtue of a continuation of the employment permit granted to it. You are welcome to view the confirmation of our continued occupation right HERE.
Every business owner who has a minimum of one year of business activity. Subject to a detailed analysis.
The process for obtaining a loan is quick and simple. Thanks to our unique proprietary systems we’ve developed, you can receive preliminary approval for a loan within minutes. All you have to do is enter the information requested by our loan application system and immediately receive a result. Our professional customer portfolio managers will then contact you to accompany you throughout the process – until you receive your loan.
To view interest rates and loan terms, click HERE.
Borrowers pay the loan according to a fixed and pre-determined repayment schedule according to the accepted Spitzer method, with principal and interest included in the monthly payment
The loan can be repaid at any time, with 30 days’ prior notice and if you choose to pay off the loan early, there aren’t penalties or fees! As we previously mentioned – We are NOT like a bank!
Loans are given for a variety of periods ranging in loan type and from four (4) to eight (8) years, with most loans having periods of four to six years. In addition, we also offer gold loans – large loans backed by collateral (mortgaging of a real estate property or a cash deposit) in addition to the borrowers’ liabilities, and these are given for periods of up to 40 years.
Throughout our operations, we’ve developed innovative, proprietary technology for business rankings, we call it – the F.R.A., it’s a unique borrower rating system, based on business activity data. We are proud to say that we are among the few companies in the world that have developed technology for analyzing and rating business activity quickly and efficiently.
BTB’s loan product is the best and most correct business loan for many businesses, and these are loans that the banks, whether for regulatory reasons or due to limitation in analytics capacity – do not usually offer, so many borrowers compete for our loans. BTB offers borrowers fair loans for growth and further value production, outside of the banking total credit.
Loans we give are with the aim of making real change in the life of a business and business owner. To this end, in addition to the information you initially provide, we’re also interested in getting an in-depth perspective of the business. Accordingly, business owners are required to provide us with a complete picture of their business, i.e. financial statements, profit and loss statements and accounting documents related to the business. The sole purpose is to get to know the borrower and business thoroughly.
Yes, each loan is backed by a guarantor who has been vetted by our analysts in accordance with the type and amount of loan requested.
Fortunately, we have the ability to conduct an in-depth business analysis that helps us select sound businesses for loans. According to our data, the average age of businesses that receive a loan from us is greater than 9 years, with financial and human capital at their disposal that help them deal with crises and adjust their business activities to the current condition. Indeed, most of the businesses that work with us have made many adjustments following the pandemic and have adapted their development of business activities. As we mentioned, good businesses and a solid footing.
As already mentioned, we give good business loans. Therefore, if a business with the ability to generate profits is affected by the pandemic – we’ll be happy to support it by providing a loan. For this purpose, together with the Ministry of Economy, we launched a special loan path for businesses affected by Covid-19, which is a continuation of the state-guaranteed and partially guaranteed loan fund of the Ministry of Economy. In order to get a loan, these businesses will need to show continuity and the ability to generate profits, and of course – compliance with our rating conditions.
Everyone! We think everyone should save.
With us, you can open a savings account for any purpose and request to withdraw the funds at any time, subject to our liquidity rules. In fact, our customers enjoy an average interest rate of about 8% annually (gross) on loans, while bank customers receive a lot less.
Absolutely! We’d also like to note that on February 1, 2018, the law regulating the activity of P2P platforms in Israel, or in its official name – Amendment No. 4 to the Supervision of Financial Services (Regulated Financial Services) Law, 2016, came into force. It should also be noted that we were initiators of the legislation and were involved and active throughout the legislative process – from the wording of the law, through to the meetings of the Knesset committees, culminating in the adoption of the amendment to law in its current wording.
Capital Market, Insurance and Savings Authority is the regulator responsible for our activities and the company operates by virtue of a continuation of the employment permit granted to it. You are welcome to view the confirmation of our continued occupation right HERE.
We’d never want to limit you! Any amount can be deposited, either by standing order, or monthly bank transfers.
Investor funds are deposited in a trust account, exclusively. This account is managed by an external trustee (“BDO Trusts”). In addition, all the payments for the loans are deposited into the trust account – for the investors. It’s important to note that the trust account is a completely separate account in which only investors money is managed. This enables a complete separation between company funds (“The Company”) and investors’ money (we’d also love to see you among them).
Absolutely not, we do not require a monthly deposit. The deposit of funds and their amount is at your sole discretion and in accordance with your wishes. We don’t believe in pressure.
With BTB, you do not have to choose loans, risk, borrowers or sectors. With our extensive knowledge, we are the ones who locate the borrowers, perform the analysis and due diligence, and allow you to do what the bank does. Only with us, you earn all the interest. Long live the little differences that mean so much.
It’s clear to us that you are looking for an investment and not a wedding, so it’s imperative that the investment money be liquid and accessible at all times. To this end, we’ve built a liquidity mechanism that allows investors to apply for withdrawals at any stage (even after lunch, when we’re tired). Since the loans are given for periods of several years, the withdrawal of funds depends on the amount of money coming in daily from other investors and the repayments of the loans. These parameters determine the rate of cash flow.
Just a quick note regarding the withdrawal of funds: the withdrawal of funds means the sale of all active loans at their value to other investors, with the exception of the following loans:
For those interested, you can apply to sell the loans mentioned above at a reduced value or alternatively – not to sell them and continue to receive repayments for them, through the mutual guarantee fund mechanism and in accordance with its rules until they have are settled.
On the other hand, withdrawing funds does not incur any commission or cost and any investor can request to withdraw their money at any time (but as we said, subject to the amount of investors looking to invest at the same time). What do we look like to you, the Bank? OR We don’t ever want to be like a traditional bank!
Loans are given for a variety of periods ranging from four (4) to fifteen (40) years, while loans for a period exceeding eight (8) years are given against additional collateral in the form of a mortgage on a real estate property or a cash deposit.
The interest rate on the loan is determined by quality characteristics such as: loan size, loan period, type of collateral, seniority in business activity, business past, existence (or absence) of negative indicators, borrower quality, sector and more will affect the interest rate.
What’s important to note is that the interest rate set by us is not an interest rate that reflects risk, but, rather, quality. We do not price risk with interest and certainly do not approve loans that we believe are risky.
Most of the loans approved by us are loans calculated according to the Spitzer table. Hence, the vast majority of the payments received for investors are monthly payments of principal and interest. Therefore, the monthly amount received can be withdrawn or can be invested in new loans through the Re-invest mechanism – a mechanism that allows investors to earn additional interest (“compound interest”) on their money, and indeed, the vast majority of our investors choose to benefit from this option.
Implementation of this mechanism does not harm or prevent the sale of any loans, and you can request to sell your portfolio or a portion thereof at any time.
The mutual guarantee fund is an accrual fund, to which all BTB investors set aside 1% of each deposit and receipt. The provision that investors must make from the initial deposit amount, in the amount of 1% of their money, is paid from their account in 24 equal payments in order to generate a positive return for investors as soon as the first month of investment. The funds set aside for the mutual guarantee fund are used to cover payments of loans in arrears, in order to increase protection against fluctuations and delinquencies, and they are not returned to investors when the money is withdrawn.
We’re here to help! Our client portfolio managers are available by calling (073) 207-3255 between the hours of 9:00AM-6:00PM, Sunday-Thursday.
You can also email us at anytime at [email protected]
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