Sell a portfolio or protect new loans
Banks and non-bank lenders in Europe that want to release capital, exit a product or grow with a known cost of risk.
See our solutions →
Credit partner for European lenders
Credit risk, cleanly divided.
Cleyve buys and manages consumer and business loan portfolios and provides credit protection on new loans. Lenders release capital and keep their focus on originating.
Who we work with
Find the right starting point
Fund Cleyve through Hive5
Cleyve's portfolio purchases are funded by a business loan that investors can take part in on the Hive5 platform.
How investing works →Your loan has moved to Cleyve
What stays the same after a portfolio transfer, how payments work and who to talk to if you need help.
Borrower information →
Solutions
One partner from transfer to final repayment
Use one service or combine them. Each arrangement is scoped and priced around the portfolio in question.
Portfolio acquisition
Sell a loan book, or a defined part of it, and receive the purchase price up front.
- Consumer and business loan portfolios
- Whole books or selected segments and vintages
- Pricing built on loan-level data
SuitsLenders exiting a product or market, or releasing capital for new lending.
Portfolio management
We run acquired portfolios through to final repayment.
- Loan administration and borrower communication
- Collections and debt recovery, starting with amicable solutions
- Onward sale of portfolio segments where appropriate
SuitsPortfolios that need active, long-term attention after transfer.
Credit protection
Protect new loans against credit losses for an agreed fee.
- Cover set per lender, product and portfolio
- Eligibility, limits and fees agreed in contract
- Lenders keep originating with a known cost of risk
SuitsGrowing lenders that want predictable credit costs.
Portfolio review
Example data, not a real portfolio. DPD = days past due.
Priced on the data, line by line
Before we make an offer we review the portfolio at loan level. A complete data pack shortens the process. These are the first items we ask for.
| Loan | Type | Balance | Term | Status |
|---|---|---|---|---|
| CN-10482 | Consumer | €1,850 | 18m | Current |
| BL-20311 | Business | €24,000 | 36m | Current |
| CN-10517 | Consumer | €900 | 12m | 1–30 DPD |
| BL-20346 | Business | €12,500 | 24m | Current |
| CN-10561 | Consumer | €650 | 6m | 31–60 DPD |
DR-01Loan-level data tapeBalance, interest rate, term, origination date and current status for every loan.DR-02Performance by vintageArrears buckets (1–30, 31–60, 61–90 and 90+ days past due), defaults and recoveries.DR-03Cash collection historyMonthly collections since origination, split by vintage.DR-04Underwriting policyScorecards, affordability checks and how they have changed over time.DR-05Servicing set-upWho services the loans today, on which systems, and how borrowers are contacted.DR-06Legal documentationLicences, loan agreement templates and assignment terms.
How we work
From first call to transfer
Four stages, each with a clear output, so both sides know what comes next.
- Stage
Introduction
Tell us about the portfolio and what you want to achieve. We sign an NDA before any data changes hands.
- Stage
Data review
We work through the data pack, test it against our model and come back with questions.
- Stage
Terms
We agree price or fee, scope and responsibilities, and set them out in contract.
- Stage
Transfer and management
The portfolio moves to Cleyve, or cover starts on new loans. Reporting follows the agreed schedule.
About Cleyve
Part of Hive Finance Group
Cleyve is a Latvian company wholly owned by Hive Finance UAB. The group also runs the Hive5 investment platform and lending businesses in Romania and Poland, so Cleyve starts with an established funding channel and in-house lending experience.
The diagonal cut in the Cleyve mark stands for careful selection and a clear split of responsibility between the lender and us.
Hive Finance UABGroup parent company, Vilnius, Lithuania
100% ownership
CleyveSIA Hive Credit Partners, Latvia
Sister companies include the investment platform and group lenders in Romania and Poland.
Leadership
The people setting up Cleyve
Anete Pallo
FounderGroup Chief Operating Officer, Hive Finance Group
Anete leads the establishment of Cleyve. Her background spans banking, non-bank finance and debt collection, with experience in product development, cross-functional delivery and operational change.
PreviouslyProduct launches at a bank and at an Eleving Group company. Automation and digitalisation of operating processes.
Zigmars Lacis
Member of the BoardGroup Chief Financial Officer, Hive Finance Group
Zigmars brings finance leadership from lending businesses and the TWINO investment platform. His work covers financial planning, profitability analysis and running finance teams across several markets.
PreviouslyCFO responsibilities across lending markets and a P2P investment platform.
For investors
Invest in Cleyve's portfolio through Hive5
Hive5 is the investment platform of Hive Finance Group. Cleyve's portfolio purchases are funded through Hive5, where investors can take part and earn interest. Investing on Hive5 starts from €10.
- Invested through Hive5
- €218M+
- Interest paid to investors
- €5.9M+
- Investors on the platform
- 30,000+
- Rating on Trustpilot
- 4.5★★★★★500+ reviews
How investing in Cleyve works
- Cleyve borrows from Hive Finance UAB to fund its portfolio purchases.
- Hive5 offers investors claim rights on that business loan.
- As Cleyve repays, principal and interest are passed on to investors.
Interest rates, terms and available amounts are published on Hive5 when loans are listed. Platform figures as of October 2026.
For borrowers
Has your loan moved to Cleyve?
When a lender transfers a portfolio to us, we take over the management of your loan. Here is what that means for you.
- Your agreement stays the sameA transfer does not change your interest rate, balance or repayment schedule.
- Watch for a written noticeWe will tell you in writing if your payment details change. Until then, keep paying as you do now.
- Talk to us earlyIf you are finding it hard to pay, get in touch. We will look for a repayment plan that works for you.
FAQ
Questions, answered
Who does Cleyve work with?
Banks and non-bank lenders in Europe that want to sell a loan portfolio, hand over its management or protect new lending. Investors can fund Cleyve through the Hive5 platform.
How is Cleyve connected to Hive5?
Cleyve's portfolio purchases are funded by a business loan from Hive Finance UAB. Hive5 makes claim rights on that loan available to investors and passes on principal and interest as they are repaid. Terms are set out in the investment documentation on Hive5.
Which loans are in scope?
Consumer and business loan portfolios. We assess each portfolio's market, loan characteristics and documentation individually before making an offer.
What does portfolio management include?
Loan administration, borrower communication, collections and debt recovery, and onward sale of portfolio segments where appropriate. The scope is agreed for each arrangement.
How does credit protection work?
A partner lender pays an agreed fee, and Cleyve covers credit losses on eligible new loans within the agreed terms. Eligibility, coverage, fees and limits are set in a contract with each lender.
Where is Cleyve based, and who owns it?
Cleyve is registered in Latvia and wholly owned by Hive Finance UAB, the parent company of Hive Finance Group. Its first activity covers portfolios in Spain and Poland.
Contact
Start with a short brief
A few lines are enough to arrange a first call.
Registered office
SIA Hive Credit PartnersGustava Zemgala gatve 74, Rīga, LV-1039, Latvia View on map