AIQLABS combines passion for technology
and data with result-oriented thinking

SuperGrosz.pl

A specialised FinTech entity based on an innovative management and risk-modelling process. With its advanced technology and machine learning algorithms, SuperGrosz has a very low loss index and a high-quality portfolio.

The creation of SuperGrosz satisfies the Customers’ requirements. It fills the gap on the quick loan services market, which competes with the portfolio offered by traditional financial institutions in terms of costs and payment flexibility.

 

Supergrosz.pl 2019 2020 2021 2022 2023
Amount issued  90 272 977 zł  77 789 115 zł 103 902 166 zł 126 948 920 zł    226 344 477 zł
Average loan amount 3 550 zł  335 zł 4 702 zł4 322  zł 5 933zł
Average tenor 29 33 34 37 45,5

Kupuj Teraz, Zapłać Później

A conceptual deferred payment and purchase-financing method for users and business customers, performed in cooperation with DotPay. The solution is based on one of the most effective modelling methods (employed among others by data scientists from the Kaggle.com community), elaborate scorecards and complex data set analysis.

The Kupuj Teraz, Zapłać Później (Buy Now, Pay Later) service is available at selected Web stores. It enables the customers to execute the payment up to 30 days following the order submission date, or to split it into instalments.

 

Kupujteraz.pl 2019 2020 2021 Q1 2022 Q2 2022
Amount issued 438 902 zł 1 944 108 zł 2 188 978 zł 364 988 zł 265 319 zł
Average loan amount 411 zł 648 zł 708 zł  953 zł 1 144 zł
Average tenor 3 4 4 6 7

Finces.pl

An intelligent online financing platform for entrepreneurs who expect real-time operations. Finces is characterized by its quick Customer onboarding process and clear verification process. Thanks to complex data science processes, product parameters can be accurately matched with business customer needs.

Finces is online factoring for small and medium businesses. It is characterized by user-friendly procedure, low costs, and fast transfer of funds.

 

Product Overview
2019 Q1 2020
Amount issued 6,9 mln PLN 1,2 mln PLN
Average loan amount 3 455 PLN 2 885 PLN
Average tenor 1 miesiąc 1 miesiąc
Average APR 60,00% 60,00%