Thank you for investing in Iute!

  • Subscription for the new Iute senior secured bonds is closed. Results of the public offering are announced on Stock Exchange.

  • The bonds allocated to investors are expected to be transferred to their securities accounts on or around 9 June 2025.
  • The expected date of listing and the admission to trading of the bonds on the Baltic regulated market of Nasdaq Tallinn Stock Exchange and on the Frankfurt Stock Exchange’s regulated market is on or around 9 June 2025.

Offer details

The subscription period for IuteCredit Finance S.à r.l. new Senior Secured 2025/2030 bonds is open from May 20 to May 30, 2025.

Issue Volume

up to 175,000,000 euros

Nominal Value per Bond

100 euros

Interest Rate

12% p.a

Interest Payments

semi-annually (first 48 months), thereafter quarterly

Maturity Date

6 December 2030

Listing

Frankfurt Stock Exchange,​ Nasdaq Tallinn​ Stock Exchange

The detailed terms of the offer can be found in the Bond Prospectus and its summary.

why invest in Iute

Why invest in Iute bonds?

A fintech company offering a wide range of financial services across Southeast Europe
  • Bonds are tradable on the stock exchange
  • Proven and stable business model
  • Experienced management team
  • Bonds are secured with company assets
  • Fitch rating for issuer and bonds
  • Strong record of meeting obligations to investors
why invest in Iute

About Iute Group

Iute Group, established in 2008 in Estonia, is a leading financial technology company specializing in consumer finance, payment services, banking, and insurance products. The Group, with its headquarter in Tallinn, serves customers in Albania, Bulgaria, North Macedonia, and Moldova. 

Iute finances its loan portfolios with equity, funding from banks and P2P platforms, as well as secured bonds listed on the Frankfurt Stock Exchange and Nasdaq Baltic Main List.

Our mission is to create the greatest experience in personal finance, by combining fintech with the warmth of the human touch to help our customers to become financially and digitally stronger.

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Frequently Asked Questions

A bond is a security that allows an investor to lend money to an issuer under specific conditions. In return, the investor receives regular interest payments and, on the maturity date, gets back the initial investment.

The nominal value is the value assigned to a security at issuance. The nominal price of an Iute bond is 100 euros.

Income from bonds can be earned through interest payments and/or price changes in the bond’s value.

A senior secured bond means that it is not prioritized over other obligations of the company but is backed by specific assets.

The international rating agency Fitch Ratings has assigned Iute Group a B- rating with a stable outlook.

Iute bonds are listed on Nasdaq Tallinn and Frankfurt stock exchanges, allowing them to be bought and sold on the secondary market.

According to the Prospectus terms, tax is not deducted from Iute’s bond interest payments

The process for legal entities is similar to individuals, but a legal entity must have a LEI code to hold securities.

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Need help?

If you have any questions, feel free to contact us!

Iute Group
Maakri 19/1, 10145 Tallinn
Email: investor@iute.com
Phone: +372 622 9177

Contact us!

Investing in securities carries risks. Past performance does not guarantee future results. Before making an investment decision, please read the Prospectus, available at www.iute.com.