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At Klear, we are constantly looking for ways to expand your investment opportunities. That's why we are making two important changes to the platform: we are expanding our product offering with corporate loans and adding a new Short-Term strategy to Auto Invest.
Before we take a closer look at these new opportunities, let’s briefly revisit what Klear is and what stands behind the platform.
Klear at a Glance
Klear is a Bulgarian fintech lending and investment platform founded in 2015. The platform connects investors and borrowers through a digital lending model.
Over the years, we have expanded both the types of loans available for investment and the tools investors can use to manage their portfolios.
Klear is a financial institution registered with the Bulgarian National Bank under Article 3a of the Credit Institutions Act. In 2025, we became part of ITF Group, a publicly listed financial group traded on the Bulgarian Stock Exchange.
This development is part of our ongoing efforts to broaden the investment opportunities available to investors on the platform.
A New Opportunity - Corporate Loans
Until now, investments on Klear have focused on consumer and business loans. We are now also introducing short-term corporate loans with maturities of up to 12 months, issued to carefully selected companies with transparent financial track records, solid performance indicators, and an established market presence.
Our first two partners are:
- ITF Group - a public company listed on the Bulgarian Stock Exchange, operating in the financial sector.
- ELG Group, through its brand Cazam - a group active in online leasing, long-term vehicle rental, and the purchase and sale of cars.
The addition of corporate loans gives investors another type of credit exposure that they can include in their portfolios.
Loans to our new partners come with a Buyback mechanism - if a loan falls into arrears of more than 90 days, Klear automatically buys back your share. You receive the remaining principal and the interest accrued up to that point.
The Buyback mechanism applies in accordance with its specific terms and represents an additional risk management tool for these investments.
What returns can you expect?
Returns depend on the investment term. The rates shown are on an annual basis:
- 3 months - 6%
- 6 months - 7%
- 12 months - 8%
A shorter term means that your invested funds may be released sooner. You can then reinvest them in newly available loans, depending on the opportunities available on the platform and the strategy you have selected.
New Short-Term strategy in Auto Invest
Along with our new partners, we are adding a new strategy designed specifically for investors who:
- Want to invest exclusively in loans with a Buyback mechanism.
- Prefer a shorter investment horizon and more dynamic movement of funds within their portfolio.
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Are looking for opportunities to have their funds released and subsequently reinvested more frequently.
The Short-Term strategy joins the options you already know:
- Standard Strategy - automatically allocates funds for broad diversification, but with a longer investment horizon.
- Custom Strategy - you set the parameters yourself through filters such as term, return, or loan type.
With the new Short-Term Strategy, you now have another way to automate your investments according to your preferences.
You can switch between strategies at any time, depending on your goals.
Control over diversification
By default, we have set a limit of 2% of your portfolio for investment in each loan published on our platform, including corporate loans.
The limit is designed to reduce the concentration of your portfolio in any single loan.
If your strategy requires otherwise, you can change this limit at any time and set the maximum amount you wish to invest.
This way, the decision on how to allocate your funds remains in your hands.
Invest wisely and easily
New loans are marked with a special icon and are accessible through the "Loan Type" filter. You can activate the Short-Term Strategy or adjust your limits at any time from your profile.
If you prefer a shorter investment horizon, want to add corporate loans to your portfolio, or are looking for automated investing with a Buyback mechanism, you now have more options when building and managing your portfolio.
Explore the new investment opportunities at Klear and choose the strategy that best matches your goals and preferences.
You can find detailed information in our FAQ section.
