isePankur has laid the foundation for social lending in Estonia

Sõbralaen OÜ (isePankur) aims to establish an open pan-European peer-to-peer credit platform connecting people and companies with excess capital in stable economies with consumers in growing credit-thirsty markets in Central and Eastern Europe. The company has services and product offerings in three general areas: peer-to-peer lending, technology white-labeling, and online dispute settlements via an arbitrage court.

Our driving principle is to create cheaper financing and efficiencies through financial disintermediation. isePankur is not solely operating as a provider of financial services; the unique focus is to approach everyday banking in a novel social way whilst inviting indirect competitors & retailers to leverage our platform to improve their bottom line. We want to democratise the capital markets and empower individuals not credit institutions to decide on the future of finance. We envision that all basic borrowing & lending transactions could be conducted without traditional credit institutions between consumers and businesses of different size