- Collective Lending
- Our services
- About us
- Performance statistics
- Safety & privacy
- How Žltý Melón Earns
- Earn with us
- News
Collective lending
We are transforming
the old way of banking.
We innovate
They make it more transparent, more human, and more efficient. Unlike traditional lenders, they allow profits to be shared with the people whose money makes it all possible — with everyday people. And not only that, by eliminating expensive intermediaries, loans become much more advantageous.
Better for people
By lending directly, without unnecessary and expensive intermediaries, borrowers get loans on better terms than from financial institutions, and investors earn higher returns, since they keep the entire interest yield.
Our services
What Žltý melón does for you
Loan execution
- We provide management of loan auctions and a smooth lending process, ensuring maximum comfort for both investors and loan applicants.
- We provide complete administrative support for loans, as well as all necessary contracts for borrowers and investors. The contracts meet all legal standards and the highest criteria of client protection.
- We ensure the distribution of funds between all parties.
Security and protection
- Our credit analysts ensure personal verification and comprehensive risk assessment of each borrower who wants to borrow via Žltý melón.
- We verify the financial creditworthiness of every applicant and their ability to repay future monthly installments.
- Žltý melón assigns each applicant who successfully passes evaluation a rating group. Based on it, interest rates vary, reflecting the borrower’s risk and investor return requirements.
- We help investors manage and diversify their individual risk levels.
- We provide active monitoring of repayments, early identification of potential issues, and the full process of soft and hard collection in case borrowers fail to pay monthly installments.
Operation of Žltý melón
- Customer service and user support, always available to you.
- Our team of credit analysts individually assesses each applicant and every loan request.
- Our IT team ensures smooth operation, permanent security, and continuously seeks new ways to improve efficiency and attractiveness of the system.
- Our marketing team monitors market conditions to ensure Žltý melón remains the most advantageous option for all users. It also handles active marketing, bringing enough high-quality loan applications for investors and enough investors to fund borrowers' loans.
Special benefits for investors
- A completely new opportunity to invest your free funds and earn highly attractive returns.
- We verify and provide investors with all the information needed to make decisions when investing in specific loans.
- We help investors correctly determine and evaluate the acceptable level of risk and the proper expected return on investments.
About us
Žltý melón – one of the leading financial technology companies in Slovakia
Žltý melón was originally a traditional collective lending provider, and gradually expanded its business model into other areas. We developed a unique IT system through which we provide a wide range of financial services via a multi-channel distribution model, and we also have several independent product segments. We have a time-tested business model and portfolio that delivers strong returns for our clients.
New Žltý melón System
We have launched a new version of the user system. In addition to an improved user interface and numerous enhancements, the new system is also much faster and more stable.
The investment involved the JEREMIE Co-Investment Fund, part of the European Investment Fund (www.eif.org). The fund provides growth capital to investment-attractive Slovak companies. It targets businesses demonstrating technologically advanced solutions or unique, innovative products and services.
Company management
Roman Feranec
CEO
Roman has many years of experience in finance and the real estate market.
He spent more than five years at the international consulting firm Accenture, as part of the Financial Services & Insurance division, working on multiple projects for major banks in Slovakia, the Czech Republic, and Italy. In 2006, he joined Grunt, a.s., one of the leading Slovak real estate firms, serving as a board member responsible for finance and internal company management. In 2007, he became a founding member of Gradial Investment Management, a.s., where he worked on dozens of investment and financial transactions in the real estate sector.
Roman holds a university degree in Banking from the University of Economics in Bratislava and earned a PhD in International Financial Markets from Comenius University.
Hendrik Bremer
Member of the Board
Hendrik has worked in financial services for over twenty years, across Central and Eastern Europe and the Middle East.
He began his career in banking and later worked in major consulting firms PwC and Roland Berger Strategy Consultants. As a partner, he led advisory services for financial-sector companies across Central and Eastern Europe. Before consulting, he held managerial positions in retail banking at Raiffeisenbank International and Unicredit / Bank Austria. He has extensive experience in corporate strategy, new business models, management, and process transformation in financial services.
Hendrik is Dutch and holds a Business Administration degree from Rijksuniversiteit Groningen. He also studied in France and Denmark.
Robert Horváth
Member of the Board
Robert began his career in the Legal Department of VUB Bank.
In 2001, he became Head of Loan Administration at HVB Bank Slovakia. Three years later, he moved to the Real Estate Financing department, gaining extensive experience providing financing across all real estate segments. He managed loan portfolios worth nearly 300 million EUR. In 2007, he joined Grunt, a.s., responsible for external financing and investment management activities. In 2008, he became a partner at Gradial Investment Management, a.s., participating in several major investment and financial transactions.
Robert graduated from the Faculty of Law at Comenius University in Bratislava.
Svetlana Krulj
Head of Operations
Svetlana has worked primarily in finance and marketing throughout her career.
She started at Poštová banka in Retail Banking, later at VÚB bank (Intesa). She then worked as lead event organizer at PR agency Press Room and as a marketing & PR specialist at real estate firm Grunt. Svetlana was a founding member of Gradial Investment Management, where she participated in numerous investment and financial transactions, mainly in real estate. She also co-founded Boomer, a company selling advantageous products and services in partnership with Zoznam.
Svetlana graduated from Trnava University in Trnava.
You can find Žltý melón performance statistics