IPF Digital provides fast, flexible and convenient credit solutions under the Hapiloans, Credit24, Sving and Creditea brands to retail customers in Finland, Estonia, Latvia, Lithuania, Poland, Spain, Mexico and Australia. In its markets the Company is a leading provider of loans and credit lines to customers with strong credit histories. Loans are offered online as well as through certain distribution partners. We provide attractive solutions to our customers' credit needs, through a prompt, high quality service backed by our sophisticated technology platform, which makes the whole application process easy and hassle-free.