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HELIOS

HELIOS

We are the 1st peer-to-peer lending platform in Sri Lanka

WINNERS

John Keells X accelerator programme

Read Press Release

PEER-TO-PEER INVESTMENT

Smart investments in real people

Generate targeted returns of up to 30% per annum
Earn the best returns over a short to mid-term period (1-12 months)
A variety of personal loans ranging from Rs. 10,000 to Rs. 200,000 to invest
Get paybacks via equal monthly instalments (EMIs)
No additional/hidden costs for investors
Disclaimer: Your capital is at risk - Actual returns may be lower than the expected rates of return, and historical rates of returns may not reflect future returns

LENDING OPTIONS

LENDING OPTIONS

Smart investments in real people

HP
Helios for Public
HELO
Helios for Employees at
Leading Organizations
HERO
Helios for Employees at
Leading Organizations
Subscription
Free
Free
Free
Interest Rates
15% - 30%
15% - 30%
15% - 30%
Loan Amount
Rs. 10,000 - 200,000
Rs. 10,000 - 200,000
Rs. 10,000 - 200,000
Loan Period
1 - 12 months
1 - 12 months
1 - 12 months
Instalment Date
Monthly from Start date
Salary Date
Salary Date
Direct Debit for Instalments
Borrowers CRIB Report

INTEREST RATE

INTEREST RATE

Annual interest rates based on rating

Month
A
B
C
D
E
1 Month
1
15 %
18.48 %
21.48 %
24 %
27.48 %
3 Month
3
15.48 %
18.96 %
21.96 %
24.96 %
28.56 %
6 Month
6
17.04 %
20.04 %
23.04 %
26.04 %
29.04 %
12 Month
12
18 %
21 %
24 %
27 %
30 %

WE CONNECT BORROWERS WITH INVESTORS THROUGH OUR ONLINE MARKETPLACE.

Peer-to-peer lending is considered as the second-best investment strategy in the world. Now Helios p2p brings you the peer-to-peer lending experience as an investment strategy to Sri Lanka. At Helios p2p we strongly believe in equitable & inclusive financing for everyone

Since we offer these services online, we are able to conduct our daily operations with lower overheads and provide our services more cost effectively compared to traditional financial institutions. As a result, lenders can earn higher returns (between 15% - 30%) compared to savings and investment products offered by banks

FOUR EASY STEPS

FOUR EASY STEPSE

Apply from anywhere. get your money fast.

Open an Account

Create an account with your basic details on our website

Pick a strategy

Select the borrower(s) you want to lend based on your risk appetite from the listed

Fund the account

Accept the legally binding electronic agreement with the borrower on our platform and transfer the funds to borrowers account

Get your Returns

Get your monthly returns into your Bank account

HELIOS PROPRIETARY RATING MODEL

If an application passes the initial credit screening criteria along with the Know-Your-Customer (KYC) Checks, the characteristics of the application are assessed by Helios proprietary rating model which either declines or approves the applicant.

To qualify for a loan, a number of factors are considered including, but not limited to:

Information provided on the loan application
Information provided by CRIB report
Debt-to-Income Ratio
Credit History Length, the number of other accounts currently open, and usage and payment history with those accounts
Recent credit activity, including how many other credit inquiries have been initiated over the past six months
85% OF LOAN
APPLICATIONS

We view as too risky

15% OF LOAN APPLICATIONS
A
B
C
D
E
15% OF LOAN APPLICATIONS
A
B
C
D
E