Gatelinkin esittely uutena lainanvälittäjänä (Loan Originator) Lendermarket-alustalla

‍Purpose of This Memo

This memo explains the introduction of Gatelink International  OU (“Gatelink”) as an independent Loan Originator for certain offers involving but not limited with Creditstar-related consumer lending exposure on the Lendermarket platform. It summarises the roles of each party, how the Gatelink structure works, and how this approach supports governance separation and transparency under the regulated crowdfunding framework.

On the platform, we use the term ‘Loan Originator’ to refer to the entity seeking funding and borrowing from investors. Under Regulation (EU) 2020/1503, this entity is the ‘project owner’.

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Background: Transparency and Maturity of the Platform

Lendermarket and Creditstar maintain a long-standing, supportive and trusted business relationship. This cooperation played an important role in the platform’s early development and helped bring a range of investment opportunities to market.

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As Lendermarket moves into a more mature and regulated phase, especially under Regulation (EU) 2020/1503, it is important to establish clear operational and governance boundaries. 

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To support governance boundaries and conflict-of-interest controls, certain new offers involving Creditstar-related lending exposure will be offered through Gatelink as the Loan Originator. Other offers may continue under existing arrangements, depending on the product and transition plan.

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What’s Changing, and What’s Not

• What stays the same: During the transition to Gatelink and other independent Loan Originators, Creditstar will continue to originate and service consumer loans. These loans-trusted by investors for their consistency and performance, will remain available on the platform, with no changes to their structure, credit quality, or investor-facing terms.
• What changes: For certain offers, the contractual structure will be different: investors lend directly to Gatelink under standardised terms, and Gatelink provides business financing to its partners, e.g Creditstar lending entities. 

Why This Structure Benefits Investors

Introducing the Gatelink structure is intended to improve clarity of roles, governance separation and consistency of disclosures for investors, and it strengthens the platform in the following key ways:

• Legal Separation
  Gatelink is legally and operationally separate from Creditstar Group entities and from Lendermarket and is treated as independent for conflict-of-interest purposes.
• Operational Independence
  Gatelink operates under its own governance and decision-making processes for its investor obligations and business financing activities.
• Regulatory Neutrality
  This setup ensures that all loan originators are treated equally and without influence on listing decisions, in full alignment with EU crowdfunding regulations.
• Investor Transparency
  Investors receive clear disclosures on the Loan Originator, cash flows and key risks through the KIIS and supporting materials.

Conclusion

The introduction of Gatelink is a positive evolution for the Lendermarket platform. 

During the transition to Gatelink and other independent Loan Originators, Creditstar will continue to originate and service consumer loans. This Gatelink structure is intended to provide clearer separation of roles and transparent disclosures, while investors continue to have access to Creditstar-related opportunities, as described in the KIIS.

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We believe this development will further strengthen trust in the platform and support long-term success for all stakeholders. 

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