What changed
Guarantee covering all Tiberus loans
- Stikcredit signed a corporate guarantee for the benefit of investors in Tiberus loans;
- the guarantee is unconditional, irrevocable and unlimited in amount;
- it takes effect on 31 August 2026 and covers all existing and future Tiberus loans.
What the guarantee covers
The guarantee covers all of Tiberus's obligations under the loans: principal, interest, fees and costs. If Tiberus fails to pay an amount due, the investor or Afranga may demand payment directly from Stikcredit, which must pay without objection.
What this means for investors
The guarantee significantly reduces the credit risk associated with Tiberus loans. It provides additional protection and does not replace Tiberus's own obligations. Investors do not need to take any action, as all existing investments are already covered.
Investor impact
Protection: ↑
The corporate guarantee adds a strong layer of protection, similar to a buyback obligation but with a more robust legal structure.
Corporate concentration: ↔
Tiberus and Stikcredit are under common ownership, meaning the guarantee is an intragroup arrangement.
Returns: ↔
The guarantee does not change the interest rates offered on Tiberus loans.
Liquidity: ↔
The guarantee does not affect liquidity. The Secondary Market remains the only way to exit an investment before maturity.
Important: The corporate guarantee reduces risk but does not eliminate it. Its value depends on Stikcredit's financial condition. Investors should monitor the financial reports of Stikcredit and Tiberus, the group structure and portfolio quality.
Impact on the P2P Investitor Score
No change to the Score. The guarantee improves investor protection but does not automatically change the rating until there is a measurable change under a specific criterion in the methodology.
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