Key financials

2 799 000 EUR

Total loans issued

2 649 000 EUR

Net loan portfolio

110 000 EUR

Monthly average new loans issued


Net interest margin


Provision coverage

Physical presenCE in all Baltic countries

Licensed Pan-Baltic credit provider

Fresh Finance Group is a pan-Baltic group of licensed credit providing companies specializing in direct consumer financing, white label financing solutions and financial technology development. Fresh Finance group of companies operate under the “Punk Finance” brand.

FFG has offices in Tallinn, Riga and Vilnius with 18 employees.

Synergy with group companies

By combining financing operations with new technology, financial markets infrastructure and debt management function of PlusPlus Capital, it yields a unique synergy within the group of companies.

Market opportunity

Consumer finance markets in the Baltics are dominated by the (Scandinavian) banks. Risk appetite of those banks is relatively low leaving hundreds of thousands of people unfunded who are looking for the most basic financial services.

Focused core product offering

Key product is uncollateralized consumer loan for natural person up to EUR 15 th with a maximum duration of 7 years.

Fresh Finance product line-up

Credit limit

Credit product for clients who are looking for a flexible loan solution than can be repaid and taken into use as they see fit.

Termless contract
From 500-1 500 EUR
Interest rate 47,5%

Consumer loan

Loan product for clients who are looking to finance larger purchases and unforeseen expenses.

12 to 60 months
From 500-15 000 EUR
Interest rate starting from 16%

Refinancing loan

Liability refinancing for clients who are looking to get their finances in order and obtain a clean credit history.

12 to 84 months
From 500-15 000 EUR
Interest rate starting from 18%

Contact information

Company name: Fresh Finance Group

Brand name: PUNK Finance

Legal address: Tartu mnt 83, Tallinn 10115

Licensed: Licensed creditors in Estonia, Latvia and Lithuania

Audit: BIG 4 – PwC

Internal auditor: BIG 4 – PwC

Fresh Finance presentation: Preview

Sample loan contract: Preview

Credit provider license number: 4.1-1/45 was issued on March 28, 2016.