Why ITF Group?
About us
ITF Group JSC is an innovative non–bank financial institution that provides large portfolio of financial services to borrowers. Its main products are consumer loans with various payments schedules targeted to audiences with specific risk factor.
The company has been founded in the end of 2012 and has launched its first entirely online brand SmileCredit on February 2013. The start was very promising and the company recorded four straight profit positive years to date.
As a result the Company strategy has evolved and led to establishment of a second brand – Get Cash in 2015, aimed to operate through offline network.
We want to be modern
Mission
Using the opportunities on the local market, our company strives to become one of the systematically important non–banking financial institutions in Bulgaria, which helps to secure better access to financial resources for ordinary people.
Our mission is to be a modern non-bank financial institution with the purpose to use in full our expertise in financing and high-tech operations to provide affordable and high quality financial service to the local market.
Long – term perspective – a clear and working long – term program for the Company’s development Skills and experience Good standing Responsible relationships Partnership – it stimulates interconnection, mutual respect and support.
What We Do?
Competencies
Teamwork
Gathering knowledge with experience to achieve more.
Proprietary technology
Deep business know-how and technology craftsmanship.
Borrowing conservatism
Credit risk management resulted in revenue from first year on.
Automation
Internal IT department integrates technologies needed to achieve maximum automation and effectiveness.
Synergy
Combination of online and offline business – advantage of studying digital behavior while being next to the customers.
Digital expertise
Experience and expertise in online acquisition and provision of services.
Our Brands
Brands
- Payday loans
- Instalment loans
- Instalment loans
Our Key Figures
-
132 000+
loans granted
-
56
employees
-
5 500+
credit app every month
-
45%
approval rate
-
35%
average growth per year
-
25%
new clients per month
Financial Reports
Here you may find the annual financial reports of the company.
Year 2022
Declaration in accordance with Art. 100o para. 4 p.2 and p.3 Act on public offering of securities – CEO
Declaration in accordance with Art. 100o para. 4 p.2 and p.3 Act on public offering of securities – Compiler
Notification art. 12 Ordinance 2, Q1 2022
Internal Information as per art. 7, Regulation 596/2014
Interim Financial Statements for the period ending 31 March 2022
Management report as at 31 March 2022
Report on fulfillment of bond obligations as of 31 March 2022
Year 2021
Declaration in accordance with Art. 100o para. 4 p.2 and p.3 Act on public offering of securities – CEO
Declaration in accordance with Art. 100o para. 4 p.2 and p.3 Act on public offering of securities – Compiler
Notification art. 12 Ordinance 2
Notification art. 12 Ordinance 2, Q4 2021
Internal Information as per art. 7, Regulation 596/2014
2021 Financial Statements
Interim Financial Statements for the period ending 31 December 2021
Interim Financial Statements for the period ending 30 September 2021
Interim Financial Statements for the period ending 30 June 2021
Interim Financial Statements for the period ending 31 March 2021
Management report as at 31 December 2021
Management report as at 30 September 2021
Management report as at 30 June 2021
Management report as at 31 March 2021
Report on fulfillment of bond obligations as of 31 December 2021
Report on fulfillment of bond obligations as of 30 September 2021
Report on fulfillment of bond obligations as of 30 June 2021
Report on fulfillment of bond obligations as of 31 March 2021
Year 2020
Report of Independent Auditor
Financial Statements for the year ended 31 December 2020
Interim Financial Statements for the year ended 31 December 2020
Interim Financial Statements for the period ending 30 June 2020
Interim Financial Statements for the period ending 30 September 2020
Management report for the year ended 31 December 2020
Management report as at 30 September 2020
Management report as at 30 June 2020
Year 2019
Annual Financial Statements for the year ended 2019
Year 2018
Annual Financial Statements for the year ended 2018
Year 2017
Annual Financial Statements for the year ended 2017
Official Company documents
Articles of association of ITF Group JSC
Prospect
Registration Document – Part I
Registration Document – Part II
Summary
Bond Information
Declaration as per art. 100n, par. 4, p. 3 from ZPPTSK
Report on fulfillment of bond obligations – 2020
Report on fulfillment of bond obligations as of 31 December 2020
Report on fulfillment of bond obligations as of 30 September 2020
Report on fulfillment of bond obligations as of 30 June 2020
Trustee report as at 31 December 2020
Trustee report as of 30 September 2020
Trustee report as of 30 June 2020
Notification for second interest payment
The Latest News
News
-
view moreITF Group started partnership with Mintos P2P platform
FinTech industry is rapidly changing the financial ecosystem. Fundamental part of it is peer-to-peer financing as a liquidity management tool. P2P provides flexible interest ratings for the investors, by evaluating the financial risk related to each individual borrower and diversifies their risk profile by packaging the loans from multiple sources. Lenders prefer to work with […]
-
view moreGetCash opens its eighth office in Gabrovo
Fast growing offline brand for fast loans (barzi krediti) GetCash is opening its eighth office in city of Gabrovo. Now the users can easily and conveniently cover their short term financing needs by applying in the company office located at 8, Skobelevska str. Number of products are available to meet their specific needs: Loan “Avans”, […]
-
view moreMrs. Juliana Muteva appointed for Financial Director
In the beginning of 2017 ITF Group JSCo appointed the new Financial Director. Mrs. Juliana Muteva is an experienced professional in financial audit and advisory services as well as financial management with international exposure. After receiving her MBA degree from University for World and National Economy in Sofia, Mrs. Muteva worked as an Audit Manager […]