תפריט
Every business owner who has a minimum of one year of business activity. Subject to a detailed analysis.
Have any questions? We’ve got the answers!
Welcome to our information center. Here you can find answers to all your questions whether you are interested in investment, loan or savings
Didn't find what you were looking for? We will be happy to answer any questions using the form at the bottom, by chat or email.
Didn't find what you were looking for? We will be happy to answer any questions using the form at the bottom, by chat or email.
INVESTMENTS
There is no fine print and no surprises – the management fee is currently at a rate of 0.6% per year in the regular route (B-Match) and 0.7% 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.
LOANS
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.
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.
SAVINGS
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.
Is this legal and do you have a business permit?
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 are available to you for every question
The foregoing is subject to the Company's terms, terms of use and the provisions of the law as updated from time to time. The aforementioned should not be considered a commitment to achieve any return and the information on returns and/or interest rates obtained in the past does indicate returns and/or interest rates that will be achieved in the future. The foregoing does not constitute any investment advice and/or replace investment advice and/or taxation advice tailored to the client's needs. P2P's activity in Israel is regulated under the Financial Services Supervision Law (Regulated Financial Services), 5766-2016; the granting of the loan is at the sole and absolute discretion of the Company. Failure to comply with the repayment of the loan or credit repayment may result in a charge at arrears interest and execution proceedings.
All rights reserved to B.T.B. connecting Loans in Israel Ltd. 2014-2023, 8 Haharash St, Tel-Aviv.
