About us - savy.abyssoft.tech

About SAVY

On the SAVY platform, peer-to-peer lending began in Lithuania in 2014. Today, we are one of the leading investment and financing platforms in the country, recognized for our responsible approach and transparency.

Our goal is to provide an alternative to traditional financing methods, where money works for people, not banks. We believe in transparency, reliability, and financial awareness — which is why we create a space where everyone can invest responsibly and obtain loans on fair terms.

Meet SAVY up close – watch our video to hear the story, values, and unique qualities of SAVY straight from our founders and clients.

€150+ M

Total loan value issued

36,000+

Consumer and business loans granted

16,5%

Portfolio weighted average interest rate

17,000+

Community of active investors

€22+ M

Total interest paid to investors

Our mission

SAVY was created from the belief that finance should work for people, not the other way around. Our mission is to empower individuals to become each other’s bank: those who want to grow their money, and those who need funding to achieve their goals.

As Lithuania’s first “Uber of finance,” we prove that financial services can be different – transparent, simple, human, and modern.

Our ambition is to be the boldest alternative to traditional banks and the most trusted partner in helping people build financial freedom and a new culture of trust in finance.

Our core principles

We believe that reputation is more important than short-term profit.

We teach people to handle money responsibly – in a way that creates real value.

We strive to understand our clients so well that we exceed their expectations.

We are one team – together we can achieve more than alone!

Our goals

To each other:

To be a valuable and caring member of a united team.

To borrowers:

To be the first to provide a clear and simple personalized financing solution.

To investors:

To provide a convenient investment platform with a wide range of loans, liquidity, and fair returns.

To shareholders:

To ensure sustainable growth by increasing visibility, managing risks professionally and responsibly, and automating operations.

To the public:

To be a responsible lending platform.

SAVY management team

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We connect people who want to put their money to meaningful use with those who want to borrow on fair terms. SAVY is a space where money creates value and a safer future.

Audrius Žiugžda

Direktor

audrius@savy.lt

Silvija Kažukauskaitė

Executive Director

silvija@savy.lt

Audra Kondrotė

Head of Communications and Investor Relations

audra@savy.lt

Justina Mingailė

Head of Marketing

justina.m@savy.lt

Introducing Peer-to-Peer lending in Lithuania

When we launched the first peer-to-peer lending platform in Lithuania in 2014, our goal was to change the way people think about finance – making it accessible, fair, and built on trust between people. Today, we can confidently say: SAVY has become a place where ideas find support and dreams find funding.

Our community includes thousands of investors, consumer loan clients, and a growing circle of entrepreneurs. Here, people do more than borrow or invest – they build connections, form partnerships, and develop projects that transform communities, create jobs, and inspire progress. Every loan is a sign of trust, showing that together we can achieve more.

We firmly believe that finance should be more than just numbers. Behind every decision is a story: a young entrepreneur seeking a chance to start, an experienced creator aiming to expand, or a community striving for a more sustainable environment. SAVY is the space where these stories become reality.

Our mission is not just to provide capital but to create more opportunities in Lithuania. We are proud to be the first to embark on this journey and even prouder to remain trusted by both investors and borrowers.

SAVY is about people, community, and the belief that together we can finance the future.

Our social projects

Support for Ukraine

We stand against Russia’s aggression in Ukraine. On the very first day of the war initiated by Russia, we invited our large community of investors to unite, express support for Ukraine, and donate to the non-governmental organization “Blue and Yellow”, which provides financial assistance to the Ukrainian Armed Forces in their fight against Russian aggression. Within four days, we raised over €17,600, and over 11 months, a total of €50,000. We fully understand that this is just a drop in the ocean, but every drop matters, showing that we will not accept Russia’s aggression and will not tire of supporting, donating, and inspiring others to follow our example. In total, in 2022, the initiative was supported by 1,975 investors. The average donation was €23, the largest €500, and 81 investors donated €100 each. SAVY contributed €5,000.

Our latest initiative is a €10,000 contribution in 2025 to the “Dronathon” campaign, aimed at helping the Ukrainian military acquire drones for reconnaissance and life protection on the frontlines. Half of the amount was provided by SAVY, while the other half was raised by the investor community.

This initiative is particularly special because €3,000 of SAVY’s contribution was generated through the collective efforts of our entire team. Almost the entire summer, our staff tracked time spent running, walking, cycling, or performing other physical activities, converting active hours into donations for Ukraine (1 hour = €10). The result was not only financial support but also a strong sense of unity and a sporting spirit that accompanied the team throughout the summer. This project demonstrated that physical activity can become a lasting tradition, allowing us to contribute to meaningful goals and show solidarity with those who need our help most.

In 2024, we supported Ukraine through two major initiatives. The first was the annual “Radarom!” campaign, which was joined by 221 investors, with the largest individual donation being €303. A total of €10,000 was raised, of which SAVY donated €5,000. The second initiative was participating in the “Greetings from Lithuania” campaign, organized by the NGO “Blue and Yellow” and supported by President Dalia Grybauskaitė. Over the course of the campaign, €331,042 was raised, allowing the donation of 662 highly needed drones to Ukraine. We are proud to have contributed €5,000, equivalent to 10 drones. Our investors donated €2,683, and SAVY contributed an additional €2,317.

In 2023, we supported Ukraine by participating in the “Radarom!” campaign and continuing support for FPV drone pilot training, organized by the NGO “Ukrainian Refugees” together with Ukrainian volunteers. As a token of gratitude, we received a ceramic rooster-shaped water bottle, brought from the war-torn country by SAVY founder Vytautas Zabulis. This ceramic rooster has become a symbol of Ukrainian resilience during the war, as the cabinet on which the bottle stood did not fall even after a bomb hit and destroyed the residential building in Borodianka. Copies of this legendary rooster sculpture are displayed not only in our office but also with Ukrainian President Volodymyr Zelensky. In total, in 2023, we raised €17,000 for Ukraine’s fight for freedom, of which SAVY contributed €4,740.

We sincerely thank every member of our community for supporting Ukraine in its fight for freedom.

How does SAVY work?

SAVY is a peer-to-peer lending and crowdfunding platform where individuals and businesses can borrow funds directly from a community of investors. A project or loan application is submitted on the platform, and investors decide how much they want to invest. Once the required funding is collected and contracts are signed, the funds are transferred to the borrower.

Who manages SAVY?

SAVY is administered by UAB Bendras finansavimas, a licensed peer-to-peer lending and crowdfunding platform operator. The company ensures transparent processes, fulfillment of contractual obligations, and compliance with legal requirements.

What makes SAVY better than traditional borrowing methods?

SAVY offers the opportunity to access financing faster and more flexibly. Here, decisions are made not by a single institution but by a community of investors. Loan terms are often more flexible, and the process itself is simpler and quicker than in traditional banks. For investors, it’s a chance to choose where to allocate their funds and earn returns.

Who supervises SAVY?

The platform is supervised by the Bank of Lithuania, which ensures that services are provided in compliance with applicable laws and that processes remain transparent and reliable.

On what basis does SAVY provide its services?

The SAVY platform, operated by UAB Bendras finansavimas, provides its services based on licenses issued by the Bank of Lithuania:

Crowdfunding service provider – we hold a license allowing us to administer a platform where investors can offer financing for projects.
Peer-to-peer lending platform operator – we operate under the Consumer Credit Law (VKĮ) and the Law on Credit Related to Real Estate (SNTSKĮ), which authorizes us to mediate and manage loans for both consumers and real estate projects.
Consumer credit provider – we are licensed to offer consumer loans directly to clients.

The Bank of Lithuania oversees our activities, ensuring the security, transparency, and legal compliance of our operations, while setting regulatory requirements and control mechanisms.

What security guarantees do SAVY users have?

All processes are carried out in compliance with the requirements of the Bank of Lithuania.
Loan agreements are executed electronically and have full legal validity.
User data is protected according to the strictest security standards.
Borrowers have obligations secured by collateral, guarantees, or other measures.
Investors have access to clear information about projects, associated risks, and platform performance.
Investors can invest more safely through the SAVY Investor Fund.
If needed, investors can withdraw their funds faster by selling their investments on SAVY’s active secondary market.