4finance | Competitive Intelligence Profile
4finance is a global leader in digital consumer finance, providing fast, convenient, and responsible financial services to people...
4finance is a global leader in digital consumer finance, providing fast, convenient, and responsible financial services to people across 11 countries in Europe. The company offers instalment loans, lines of credit, and single payment loans tailored to customers' needs, driven by leading-edge technology and a talented team.
🛍️ 4finance Product and Pricing Intelligence →
📅 4finance Event Participations →
⚖️ 4finance Regulatory Intelligence →
👔 4finance Management and Leadership Team →
⚔️ 4finance Alternatives and Competitors →
💼 4finance Hiring and Layoffs →
🤝 4finance Partnerships, Clients and Vendors →
📈 4finance Financial Performance, Fundraising, M&A →
🛍️ 4finance Product and Pricing Intelligence
Leverage product insights to define key product development milestones, guide go-to-market planning, build a robust product-market fit matrix, and perform in-depth SWOT analyses.
Harness pricing intelligence to support strategic pricing decisions, conduct competitive pricing analysis, and craft effective differential pricing strategies.
- 4finance has relocated its Prague office to Jungmannova 745, 110 00 Praha 1, Czech Republic.
- 4finance's brands SMScredit.lv, Ondo.lv, and Vivus.lv received high service quality ratings from residents in a recent feedback initiative.
- 4finance continues to provide non-bank consumer lending services.
📅 4finance Event Participations
Stay updated on where your competitors are showing up—industry conferences, webinars, podcasts, and speaking engagements—to gauge their messaging, target audiences, and strategic focus. Discover how they’re positioning themselves in the market, what narratives they’re pushing, and which partnerships they’re cultivating. Use this intelligence to refine your own positioning, identify missed opportunities, and stay top-of-mind in your industry.
- On May 30, 4finance participated in the "Big Cleanup" at Sloka Animal Shelter organized by SMScredit.lv.
⚖️ 4finance Regulatory Intelligence
Monitor critical regulatory events—such as issued or revoked licenses, lawsuits, investigations, and court rulings—to understand the compliance posture and legal exposure of your rivals. Spot early warning signs of operational risk, delays, or reputational damage, and use these insights to fine-tune your market strategy, mitigate your own risk, or capitalize on competitor setbacks.
- A court banned 4finance from charging high fees for instant loans, calling them unreasonable, on May 28.
- On June 10, 2025, a court ruling prohibited 4finance from charging high and extra fees on quick loans under its Vivus brand.
- A court has banned 4finance from charging high fees for immediate payouts, deeming them unreasonable.
👔 4finance Management and Leadership Team
Understand who’s steering your competitors by tracking changes in their management and leadership teams. Gain insights into strategic direction, leadership style, and organizational priorities based on executive backgrounds and hiring trends. Use this knowledge to anticipate competitive moves, tailor your sales or partnership approach, and benchmark against industry leaders.
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Chief Information Security Officer
[email protected] -
Chief Audit Executive[email protected]
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Chief Accountant[email protected]
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CEO[email protected]
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Chief Accountant[email protected]
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CEO, 4finance Group[email protected]
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Regional CFO Baltics & Nordics[email protected]
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Group CFO[email protected]
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Finance COO
⚔️ 4finance Alternatives and Competitors
Identify the competitors of your competitors to uncover indirect threats, emerging disruptors, and untapped opportunities. Understand the broader competitive ecosystem, spot white space in the market, and gain strategic context that helps you position more effectively. These insights sharpen your market intelligence and reveal angles others often overlook.
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- WDFC UK Limited |
- Lenddo |
- LoanLink24 Mortgage |
- Spotcap |
- Bondora |
- GIROMATCH GmbH |
- Raisin |
- WeLab |
- Vendo |
- Easy Money Loan |
- Primero |
- China Rapid Finance |
- ZipLoan |
- Wallets Africa |
- ISSC |
- Nomis Solutions |
- TEMPOE |
- SavvyMoney |
- Snap Capital |
- National Funding |
- OnDeck |
- Curo Financial Technologies |
- Enova International |
- Avant |
- SoFi |
- Wonga |
- Kreditech |
- Prosper |
- LendUp
💼 4finance Hiring and Layoffs
Track key workforce changes—new hires, leadership shifts, and layoffs—to spot strategic organizational moves. Identify rising competitors, uncover shifts in company direction, and seize opportunities to attract top talent or engage new decision-makers. Use these insights to refine your recruitment strategy and build stronger business relationships.
- Sanda Laicena, former Head of Legal at 4finance, significantly contributed to the company's global expansion and compliance by securing over 40 financial licenses and scaling operations in more than 15 countries.
- Sanita Bērziņa is hiring at 4finance.
- 4finance is hiring, as announced by Sanita Bērziņa, Head of Group Reporting and Planning.
🤝 4finance Partnerships, Clients and Vendors
Monitor new partnerships, client wins, and vendor relationships to understand where your competitors are gaining traction. Spot emerging alliances, evaluate ecosystem shifts, and identify potential partners or prospects early. These insights help you refine your sales strategy, anticipate market movements, and stay one step ahead in a dynamic competitive landscape.
📈 4finance Financial Performance, Fundraising, M&A
Track competitors’ financial performance, fundraising rounds, and M&A activity to assess their growth trajectory and strategic focus. Uncover signals of expansion, market entry, or consolidation, and benchmark your position accordingly. Use these insights to inform investor conversations, identify acquisition opportunities, and fine-tune your competitive strategy.
- 4finance reported a net profit of €14.6 million and an Adjusted EBITDA of €43.0 million for Q1 2025, and announced the sale of TBI Bank pending regulatory approvals.
- Koutalidis Law Firm advised 4finance on the sale of TBI Bank EAD to Advent International.
- 4finance rescheduled the publication of audited full year 2024 results to April 17, 2025, and the first quarter 2025 results to May 20, 2025, with a conference call on May 21, 2025.
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