Consumer finance services provider Creamfinance was founded in 2012 in Latvia. It has achieved consistent growth since its founding. The company emphasizes using the most advanced and unique behavioral pattern recognition tools by focusing on relevant, value-added data, otherwise referred to as Smart Data. Utilizing advanced algorithms and machine-learning capabilities to quickly evaluate and score loans, Creamfinance offers a highly customized approach to the personal loan process in a speedy and reliable manner. It aims to become a one-click loan provider to consumers across the global. Currently, the company is fully operational in seven countries (Latvia, Poland, Czech Republic, Georgia, Denmark, Mexico and Spain) with an IT office in Austria. The company's lending run rate is EUR 150 million. Cream Finance Holding LTD provides a group guarantee. This means it will ensure the execution of the buyback obligations.