Loanch

Loanch is a debt investment platform based in Hungary, operated by RiseTech Kft. The platform enables investors to fund short-term consumer loans originated by Ammana in Indonesia and Tambadana in Malaysia. Since its launch in early 2024, Loanch has attracted more than 11,000 investors and facilitated over €32 million in investments.^[1][2]

• Loanch offers investments in short-term consumer loans from loan originators in Indonesia and Malaysia, with a minimum investment starting at €10.
• Investments are unsecured, although the platform offers a 30-day buyback guarantee.
• The debt investments offer interest rates averaging from 13.28% to 13.8%, but the platform has not yet disclosed its historical rates of delays and defaults.

Loanch connects investors from the European Union and European Economic Area with loan originators in Indonesia and Malaysia. The platform offers investments in short-term consumer loans starting from €10, with most loans ranging between 1 and 3 months in duration.

Investors can choose between short-term and installment loans. These are structured as bullet loans, meaning both principal and accrued interest are repaid at maturity. Most loans are covered by a 30-day Buyback Obligation, under which the loan originator must repurchase the investment and pay all accrued interest if repayments are delayed by more than 30 days. The availability of this guarantee is stated in each loan offer, and it may be affected by force majeure events.^[3]

Loanch is regulated under regular national regulation and not authorized under any financial-services license in Hungary or the EU. The platform handles payment processing, while investors remain responsible for tax reporting in their country of residence. 

Loanch now provides a Secondary Market where investors can sell their active investments before maturity if another investor agrees to buy them. The platform also offers an Auto-Invest feature, allowing investors to set preferred criteria such as interest rate, loan term, originator, and investment amount. Once activated, Auto-Invest automatically allocates available funds according to these preferences, helping maintain diversification and reinvest income efficiently.^[4]

Loanch offers investors annual interest rates typically ranging between 13.0% and 14.5%, depending on the loan originator and specific loan offer. The current average rates are 13.28% for Ammana (Indonesia) and 13.8% for Tambadana (Malaysia). According to the platform, investors have collectively earned over €626,000 in interest since launch.^[5]

Loanch does not charge investors any fees for depositing, investing, or withdrawing funds. The platform has not disclosed detailed statistics on repayment delays or default rates. Revenue for Loanch is presumed to derive from the spread between the interest rates charged by loan originators and those paid out to investors.

Loanch is led by Nik Sinickis, Founder and CEO, a fintech entrepreneur with a background in finance, asset management, and technology. Under his leadership, the company focuses on expanding access to sustainable lending opportunities in Southeast Asia, particularly Indonesia and Malaysia. Supporting him is Jakub Cernik, Chief Operating Officer, who oversees operational strategy and platform development. Antons Lukjanenko serves as Investor Support Manager, ensuring transparent communication and a smooth investor experience.^[6]

The platform’s wider team brings expertise across finance, technology, insurance, and wealth management. Loanch also collaborates with key partners, including the Czech IT provider Finriser, the Indonesian law firm Karna, and the tax and financial advisory firm Orzora. Loanch is developed by RiseTech KFT, a company established in Bulgaria in 2022. The ownership is attributed to a single, undisclosed founder, with a subscribed capital of HUF 3 million (€7,630).^[7]

In August 2024, Loanch saw steady growth with notable increases in both capital raised and investor numbers. New investments reached about €769,000, up 16.9%, while the platform gained 280 new investors, a 19.5% rise. Overall, Loanch’s funding reached a total of more than €3.7 million, whilst investments now stand at around €5.3 million.^[8]

Loanch has not disclosed its financial statements; however, the platform has provided the financial reports of its loan originators:

• The Indonesian loan originators started 2024 with a -3% gross profit margin in January. This improved to double digits from February to April, reaching 11% in February and 10% in March and April. By May and June, the margin decreased to 7%, while the revenue margin stayed between 35% and 42%.^[9]
• The Malaysian loan originator showed a strong gross profit margin of 13% to 18% in Q1 and Q2 2024, with a stable revenue margin of around 23% to 25%.^[10]

1. Loanch: “Loan Originators”
2. P2PMarketData: “Loanch Statistics”
3. Loanch: “FAQ: What is the Buyback obligation?”
4. Loanch: “FAQ: Investing and Auto Invest”
5. Loanch: “Frontpage: Loanch in numbers”
6. Loanch: “About Us”
7. CEG Informacio Hungary: “RiseTech KFT”
8. Loanch: “Blog - August Monthly Update 2024”
9. Loanch: “Loan Originators - Indonesia”
10. Loanch: “Loan Originators - Malaysia”

Loanch is a debt investment platform based in Hungary, operated by RiseTech Kft. The platform enables investors to fund short-term consumer loans originated by Ammana in Indonesia and Tambadana in Malaysia. Since its launch in early 2024, Loanch has attracted more than 11,000 investors and facilitated over €32 million in investments.^[1][2]

• Loanch offers investments in short-term consumer loans from loan originators in Indonesia and Malaysia, with a minimum investment starting at €10.
• Investments are unsecured, although the platform offers a 30-day buyback guarantee.
• The debt investments offer interest rates averaging from 13.28% to 13.8%, but the platform has not yet disclosed its historical rates of delays and defaults.

Loanch connects investors from the European Union and European Economic Area with loan originators in Indonesia and Malaysia. The platform offers investments in short-term consumer loans starting from €10, with most loans ranging between 1 and 3 months in duration.

Investors can choose between short-term and installment loans. These are structured as bullet loans, meaning both principal and accrued interest are repaid at maturity. Most loans are covered by a 30-day Buyback Obligation, under which the loan originator must repurchase the investment and pay all accrued interest if repayments are delayed by more than 30 days. The availability of this guarantee is stated in each loan offer, and it may be affected by force majeure events.^[3]

Loanch is regulated under regular national regulation and not authorized under any financial-services license in Hungary or the EU. The platform handles payment processing, while investors remain responsible for tax reporting in their country of residence. 

Loanch now provides a Secondary Market where investors can sell their active investments before maturity if another investor agrees to buy them. The platform also offers an Auto-Invest feature, allowing investors to set preferred criteria such as interest rate, loan term, originator, and investment amount. Once activated, Auto-Invest automatically allocates available funds according to these preferences, helping maintain diversification and reinvest income efficiently.^[4]

Loanch offers investors annual interest rates typically ranging between 13.0% and 14.5%, depending on the loan originator and specific loan offer. The current average rates are 13.28% for Ammana (Indonesia) and 13.8% for Tambadana (Malaysia). According to the platform, investors have collectively earned over €626,000 in interest since launch.^[5]

Loanch does not charge investors any fees for depositing, investing, or withdrawing funds. The platform has not disclosed detailed statistics on repayment delays or default rates. Revenue for Loanch is presumed to derive from the spread between the interest rates charged by loan originators and those paid out to investors.

Loanch is led by Nik Sinickis, Founder and CEO, a fintech entrepreneur with a background in finance, asset management, and technology. Under his leadership, the company focuses on expanding access to sustainable lending opportunities in Southeast Asia, particularly Indonesia and Malaysia. Supporting him is Jakub Cernik, Chief Operating Officer, who oversees operational strategy and platform development. Antons Lukjanenko serves as Investor Support Manager, ensuring transparent communication and a smooth investor experience.^[6]

The platform’s wider team brings expertise across finance, technology, insurance, and wealth management. Loanch also collaborates with key partners, including the Czech IT provider Finriser, the Indonesian law firm Karna, and the tax and financial advisory firm Orzora. Loanch is developed by RiseTech KFT, a company established in Bulgaria in 2022. The ownership is attributed to a single, undisclosed founder, with a subscribed capital of HUF 3 million (€7,630).^[7]

In August 2024, Loanch saw steady growth with notable increases in both capital raised and investor numbers. New investments reached about €769,000, up 16.9%, while the platform gained 280 new investors, a 19.5% rise. Overall, Loanch’s funding reached a total of more than €3.7 million, whilst investments now stand at around €5.3 million.^[8]

Loanch has not disclosed its financial statements; however, the platform has provided the financial reports of its loan originators:

• The Indonesian loan originators started 2024 with a -3% gross profit margin in January. This improved to double digits from February to April, reaching 11% in February and 10% in March and April. By May and June, the margin decreased to 7%, while the revenue margin stayed between 35% and 42%.^[9]
• The Malaysian loan originator showed a strong gross profit margin of 13% to 18% in Q1 and Q2 2024, with a stable revenue margin of around 23% to 25%.^[10]

1. Loanch: “Loan Originators”
2. P2PMarketData: “Loanch Statistics”
3. Loanch: “FAQ: What is the Buyback obligation?”
4. Loanch: “FAQ: Investing and Auto Invest”
5. Loanch: “Frontpage: Loanch in numbers”
6. Loanch: “About Us”
7. CEG Informacio Hungary: “RiseTech KFT”
8. Loanch: “Blog - August Monthly Update 2024”
9. Loanch: “Loan Originators - Indonesia”
10. Loanch: “Loan Originators - Malaysia”

Loanch is a debt investment platform based in Hungary, operated by RiseTech Kft. The platform enables investors to fund short-term consumer loans originated by Ammana in Indonesia and Tambadana in Malaysia. Since its launch in early 2024, Loanch has attracted more than 11,000 investors and facilitated over €32 million in investments.^[1][2]

• Loanch offers investments in short-term consumer loans from loan originators in Indonesia and Malaysia, with a minimum investment starting at €10.
• Investments are unsecured, although the platform offers a 30-day buyback guarantee.
• The debt investments offer interest rates averaging from 13.28% to 13.8%, but the platform has not yet disclosed its historical rates of delays and defaults.

Loanch connects investors from the European Union and European Economic Area with loan originators in Indonesia and Malaysia. The platform offers investments in short-term consumer loans starting from €10, with most loans ranging between 1 and 3 months in duration.

Investors can choose between short-term and installment loans. These are structured as bullet loans, meaning both principal and accrued interest are repaid at maturity. Most loans are covered by a 30-day Buyback Obligation, under which the loan originator must repurchase the investment and pay all accrued interest if repayments are delayed by more than 30 days. The availability of this guarantee is stated in each loan offer, and it may be affected by force majeure events.^[3]

Loanch is regulated under regular national regulation and not authorized under any financial-services license in Hungary or the EU. The platform handles payment processing, while investors remain responsible for tax reporting in their country of residence. 

Loanch now provides a Secondary Market where investors can sell their active investments before maturity if another investor agrees to buy them. The platform also offers an Auto-Invest feature, allowing investors to set preferred criteria such as interest rate, loan term, originator, and investment amount. Once activated, Auto-Invest automatically allocates available funds according to these preferences, helping maintain diversification and reinvest income efficiently.^[4]

Loanch offers investors annual interest rates typically ranging between 13.0% and 14.5%, depending on the loan originator and specific loan offer. The current average rates are 13.28% for Ammana (Indonesia) and 13.8% for Tambadana (Malaysia). According to the platform, investors have collectively earned over €626,000 in interest since launch.^[5]

Loanch does not charge investors any fees for depositing, investing, or withdrawing funds. The platform has not disclosed detailed statistics on repayment delays or default rates. Revenue for Loanch is presumed to derive from the spread between the interest rates charged by loan originators and those paid out to investors.

Loanch is led by Nik Sinickis, Founder and CEO, a fintech entrepreneur with a background in finance, asset management, and technology. Under his leadership, the company focuses on expanding access to sustainable lending opportunities in Southeast Asia, particularly Indonesia and Malaysia. Supporting him is Jakub Cernik, Chief Operating Officer, who oversees operational strategy and platform development. Antons Lukjanenko serves as Investor Support Manager, ensuring transparent communication and a smooth investor experience.^[6]

The platform’s wider team brings expertise across finance, technology, insurance, and wealth management. Loanch also collaborates with key partners, including the Czech IT provider Finriser, the Indonesian law firm Karna, and the tax and financial advisory firm Orzora. Loanch is developed by RiseTech KFT, a company established in Bulgaria in 2022. The ownership is attributed to a single, undisclosed founder, with a subscribed capital of HUF 3 million (€7,630).^[7]

In August 2024, Loanch saw steady growth with notable increases in both capital raised and investor numbers. New investments reached about €769,000, up 16.9%, while the platform gained 280 new investors, a 19.5% rise. Overall, Loanch’s funding reached a total of more than €3.7 million, whilst investments now stand at around €5.3 million.^[8]

Loanch has not disclosed its financial statements; however, the platform has provided the financial reports of its loan originators:

• The Indonesian loan originators started 2024 with a -3% gross profit margin in January. This improved to double digits from February to April, reaching 11% in February and 10% in March and April. By May and June, the margin decreased to 7%, while the revenue margin stayed between 35% and 42%.^[9]
• The Malaysian loan originator showed a strong gross profit margin of 13% to 18% in Q1 and Q2 2024, with a stable revenue margin of around 23% to 25%.^[10]

1. Loanch: “Loan Originators”
2. P2PMarketData: “Loanch Statistics”
3. Loanch: “FAQ: What is the Buyback obligation?”
4. Loanch: “FAQ: Investing and Auto Invest”
5. Loanch: “Frontpage: Loanch in numbers”
6. Loanch: “About Us”
7. CEG Informacio Hungary: “RiseTech KFT”
8. Loanch: “Blog - August Monthly Update 2024”
9. Loanch: “Loan Originators - Indonesia”
10. Loanch: “Loan Originators - Malaysia”

Loanch is a debt investment platform based in Hungary, operated by RiseTech Kft. The platform enables investors to fund short-term consumer loans originated by Ammana in Indonesia and Tambadana in Malaysia. Since its launch in early 2024, Loanch has attracted more than 11,000 investors and facilitated over €32 million in investments.^[1][2]

• Loanch offers investments in short-term consumer loans from loan originators in Indonesia and Malaysia, with a minimum investment starting at €10.
• Investments are unsecured, although the platform offers a 30-day buyback guarantee.
• The debt investments offer interest rates averaging from 13.28% to 13.8%, but the platform has not yet disclosed its historical rates of delays and defaults.

Loanch connects investors from the European Union and European Economic Area with loan originators in Indonesia and Malaysia. The platform offers investments in short-term consumer loans starting from €10, with most loans ranging between 1 and 3 months in duration.

Investors can choose between short-term and installment loans. These are structured as bullet loans, meaning both principal and accrued interest are repaid at maturity. Most loans are covered by a 30-day Buyback Obligation, under which the loan originator must repurchase the investment and pay all accrued interest if repayments are delayed by more than 30 days. The availability of this guarantee is stated in each loan offer, and it may be affected by force majeure events.^[3]

Loanch is regulated under regular national regulation and not authorized under any financial-services license in Hungary or the EU. The platform handles payment processing, while investors remain responsible for tax reporting in their country of residence. 

Loanch now provides a Secondary Market where investors can sell their active investments before maturity if another investor agrees to buy them. The platform also offers an Auto-Invest feature, allowing investors to set preferred criteria such as interest rate, loan term, originator, and investment amount. Once activated, Auto-Invest automatically allocates available funds according to these preferences, helping maintain diversification and reinvest income efficiently.^[4]

Loanch offers investors annual interest rates typically ranging between 13.0% and 14.5%, depending on the loan originator and specific loan offer. The current average rates are 13.28% for Ammana (Indonesia) and 13.8% for Tambadana (Malaysia). According to the platform, investors have collectively earned over €626,000 in interest since launch.^[5]

Loanch does not charge investors any fees for depositing, investing, or withdrawing funds. The platform has not disclosed detailed statistics on repayment delays or default rates. Revenue for Loanch is presumed to derive from the spread between the interest rates charged by loan originators and those paid out to investors.

Loanch is led by Nik Sinickis, Founder and CEO, a fintech entrepreneur with a background in finance, asset management, and technology. Under his leadership, the company focuses on expanding access to sustainable lending opportunities in Southeast Asia, particularly Indonesia and Malaysia. Supporting him is Jakub Cernik, Chief Operating Officer, who oversees operational strategy and platform development. Antons Lukjanenko serves as Investor Support Manager, ensuring transparent communication and a smooth investor experience.^[6]

The platform’s wider team brings expertise across finance, technology, insurance, and wealth management. Loanch also collaborates with key partners, including the Czech IT provider Finriser, the Indonesian law firm Karna, and the tax and financial advisory firm Orzora. Loanch is developed by RiseTech KFT, a company established in Bulgaria in 2022. The ownership is attributed to a single, undisclosed founder, with a subscribed capital of HUF 3 million (€7,630).^[7]

In August 2024, Loanch saw steady growth with notable increases in both capital raised and investor numbers. New investments reached about €769,000, up 16.9%, while the platform gained 280 new investors, a 19.5% rise. Overall, Loanch’s funding reached a total of more than €3.7 million, whilst investments now stand at around €5.3 million.^[8]

Loanch has not disclosed its financial statements; however, the platform has provided the financial reports of its loan originators:

• The Indonesian loan originators started 2024 with a -3% gross profit margin in January. This improved to double digits from February to April, reaching 11% in February and 10% in March and April. By May and June, the margin decreased to 7%, while the revenue margin stayed between 35% and 42%.^[9]
• The Malaysian loan originator showed a strong gross profit margin of 13% to 18% in Q1 and Q2 2024, with a stable revenue margin of around 23% to 25%.^[10]

1. Loanch: “Loan Originators”
2. P2PMarketData: “Loanch Statistics”
3. Loanch: “FAQ: What is the Buyback obligation?”
4. Loanch: “FAQ: Investing and Auto Invest”
5. Loanch: “Frontpage: Loanch in numbers”
6. Loanch: “About Us”
7. CEG Informacio Hungary: “RiseTech KFT”
8. Loanch: “Blog - August Monthly Update 2024”
9. Loanch: “Loan Originators - Indonesia”
10. Loanch: “Loan Originators - Malaysia”

Loanch is a debt investment platform based in Hungary, operated by RiseTech Kft. The platform enables investors to fund short-term consumer loans originated by Ammana in Indonesia and Tambadana in Malaysia. Since its launch in early 2024, Loanch has attracted more than 11,000 investors and facilitated over €32 million in investments.^[1][2]

• Loanch offers investments in short-term consumer loans from loan originators in Indonesia and Malaysia, with a minimum investment starting at €10.
• Investments are unsecured, although the platform offers a 30-day buyback guarantee.
• The debt investments offer interest rates averaging from 13.28% to 13.8%, but the platform has not yet disclosed its historical rates of delays and defaults.

Loanch connects investors from the European Union and European Economic Area with loan originators in Indonesia and Malaysia. The platform offers investments in short-term consumer loans starting from €10, with most loans ranging between 1 and 3 months in duration.

Investors can choose between short-term and installment loans. These are structured as bullet loans, meaning both principal and accrued interest are repaid at maturity. Most loans are covered by a 30-day Buyback Obligation, under which the loan originator must repurchase the investment and pay all accrued interest if repayments are delayed by more than 30 days. The availability of this guarantee is stated in each loan offer, and it may be affected by force majeure events.^[3]

Loanch is regulated under regular national regulation and not authorized under any financial-services license in Hungary or the EU. The platform handles payment processing, while investors remain responsible for tax reporting in their country of residence. 

Loanch now provides a Secondary Market where investors can sell their active investments before maturity if another investor agrees to buy them. The platform also offers an Auto-Invest feature, allowing investors to set preferred criteria such as interest rate, loan term, originator, and investment amount. Once activated, Auto-Invest automatically allocates available funds according to these preferences, helping maintain diversification and reinvest income efficiently.^[4]

Loanch offers investors annual interest rates typically ranging between 13.0% and 14.5%, depending on the loan originator and specific loan offer. The current average rates are 13.28% for Ammana (Indonesia) and 13.8% for Tambadana (Malaysia). According to the platform, investors have collectively earned over €626,000 in interest since launch.^[5]

Loanch does not charge investors any fees for depositing, investing, or withdrawing funds. The platform has not disclosed detailed statistics on repayment delays or default rates. Revenue for Loanch is presumed to derive from the spread between the interest rates charged by loan originators and those paid out to investors.

Loanch is led by Nik Sinickis, Founder and CEO, a fintech entrepreneur with a background in finance, asset management, and technology. Under his leadership, the company focuses on expanding access to sustainable lending opportunities in Southeast Asia, particularly Indonesia and Malaysia. Supporting him is Jakub Cernik, Chief Operating Officer, who oversees operational strategy and platform development. Antons Lukjanenko serves as Investor Support Manager, ensuring transparent communication and a smooth investor experience.^[6]

The platform’s wider team brings expertise across finance, technology, insurance, and wealth management. Loanch also collaborates with key partners, including the Czech IT provider Finriser, the Indonesian law firm Karna, and the tax and financial advisory firm Orzora. Loanch is developed by RiseTech KFT, a company established in Bulgaria in 2022. The ownership is attributed to a single, undisclosed founder, with a subscribed capital of HUF 3 million (€7,630).^[7]

In August 2024, Loanch saw steady growth with notable increases in both capital raised and investor numbers. New investments reached about €769,000, up 16.9%, while the platform gained 280 new investors, a 19.5% rise. Overall, Loanch’s funding reached a total of more than €3.7 million, whilst investments now stand at around €5.3 million.^[8]

Loanch has not disclosed its financial statements; however, the platform has provided the financial reports of its loan originators:

• The Indonesian loan originators started 2024 with a -3% gross profit margin in January. This improved to double digits from February to April, reaching 11% in February and 10% in March and April. By May and June, the margin decreased to 7%, while the revenue margin stayed between 35% and 42%.^[9]
• The Malaysian loan originator showed a strong gross profit margin of 13% to 18% in Q1 and Q2 2024, with a stable revenue margin of around 23% to 25%.^[10]

1. Loanch: “Loan Originators”
2. P2PMarketData: “Loanch Statistics”
3. Loanch: “FAQ: What is the Buyback obligation?”
4. Loanch: “FAQ: Investing and Auto Invest”
5. Loanch: “Frontpage: Loanch in numbers”
6. Loanch: “About Us”
7. CEG Informacio Hungary: “RiseTech KFT”
8. Loanch: “Blog - August Monthly Update 2024”
9. Loanch: “Loan Originators - Indonesia”
10. Loanch: “Loan Originators - Malaysia”