ePrivacy and GPDR Cookie Consent by Cookie Consent Sustainability - Eleving Group

Our way of making a positive impact

As a financial technology group with operations and clients around the world, we promote sustainable business practices and help our customers capitalize on opportunities that bring positive social and economic impacts.

ESG Commitment for 2022 - 2025

Reduce CO2 emission intensity of company's funded fleet by 18%
Reduce climate impact arising from company's portfolio and business operations
Introduce additional green vehicle financing products and increase the number of zero-emission vehicles in company's fleet to 1000 units
Streamline climate impact monitoring and data collection system
Education of customers on sustainable and productive mobility
Development of financial literacy program with a goal to educate 500 000+ people
Through company's products increase mobility and economic inclusion in less developed regions
Growth and well-being of employees, and healthy work-life balance
Fair and transparent business operations, and structured ESG framework in place
Implementation of procedures and policies aligned with open business and sustainability standards
Maintain gender diversity in company and reduce gender pay gap across all the positions and markets of operations
Active promotion of Group's whistle-blower system in all countries with zero unaddressed reports

Our ESG approach is aligned with the United Nations Sustainable Development Goals

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Our Approach

Transparency &

Reporting on our approach and performance regarding Environmental, Social, and Governance issues


Advancing financing opportunities that support environmental and social issues


Managing environmental and social risks associated with our financing activities

Engagement &
Market Development

Partnering with stakeholders to advance best practices and new opportunities


Leveraging the skills and passion of our employees to advance sustainability in our business and communities


Creating value for stakeholders

Managing a diverse and flexible workforce with the right variety of competencies ensures quality, innovation, and growth
Diversity in culture, race, age, gender, ethnic, sexual orientation, religion, disability, and other aspects are driven through Diversity and Inclusion Policy
Healthy gender diversity is in place: 50% women vs. 50% men in entry, mid-level positions in 2022
Culture of ownership: share options program for the Group employees
VALUE: Well-being, career advancement, and personal satisfaction
THROUGH: global career opportunities, consistent learning and mentoring, competitive salary, health insurance, safe workplace
Our customers range from private individuals to self-employed entrepreneurs. A diverse and wide customer base means vastly different expectations and needs, necessitating flexible offerings
A total of more than 500 000 customers
The total value of loans and finance leases issued since inception - over 1.6 billion euro
VALUE: enabled upward social mobility through financial inclusion across diverse communities
THROUGH: strong online and on-site presence and broad partnership with local entities; fast, easy, available product and customer service; responsible lending practices
Eleving Group investor community is mainly comprised of investors from the Baltics, Western and Central Europe. They value us as a trusted partner that can deliver consistent and sustainable growth
Investor community geography: Baltic region, Germany, Switzerland, Great Britain, France, Austria
VALUE: return on the allocated capital
THROUGH: compliance with the international capital market rules, terms and conditions of the bond documentation, a sustainable and profitable business model, and continuous growth strategy, transparent reporting practices, diversified income sources, and ESG performance
Local Economies
We contribute to the level of employment across the markets the Group operates in. By embracing gender diversity and promoting equal pay, the Group provides local communities with jobs with a competitive salary and bonus system
Through employment and development of our business operations, we also consistently contribute to tax revenues by the local economies. Also, through productive lending concept we provide mobility to the customers, while often we elevate persons` ways to find the job or helping actual vehicle to becomes the value generating asset
VALUE: regular tax revenues, a well-paid and educated workforce, and a non-discriminating attitude from an international employer
THROUGH: the Group’s total tax contribution in 2020— EUR 12.5 million; regular training for employees—in 2020, more than 250 training courses for over 1 400 employees across all the countries the Group operates in
By complying with the local laws and regulatory requirements, we ensure business sustainability, responsible lending practices, and fair treatment of our clients
VALUE: a reliable, transparent, and compliant entity
THROUGH: the highest standard of legal compliance ensured by external compliance audits, regular reviews of internal documentation, policies, and procedures, as well as following the best practices and regulator recommendations

ESG impact made through products

our products
Better for society
Better for society
Productive lending

20%+​ of the Group's portfolio serves the self-employed and SMEs

Accessibility to finance

We have made financing accessible for 500 000+ people across Group's markets

Increased mobility

350 000+ vehicles financed to improve mobility and work opportunities

Improved safety

2,000+ boda-boda riders in Kenya were trained on first aid, traffic rules, and vehicle maintenance in 2023

Financial literacy

30,000+​ global consumers educated on financial literacy


Best Investor Relations in Nasdaq Baltic First North list in 2023

Better for environment
Better for environment
Sustainable mobility

3​ Sustainability-linked products

Lower pollution

Through green vehicle financing products we have reduced CO2 emission intensity of funded fleet by 4% in 2023

We go electric

3.2+ mln​ km commuted on pure electricity by the Group's clients

Climate impact mitigation

450tCO2+ ​compensated through the green projects

Motorcycle retrofitting

A new product for Kenyans offering to swap the engine of a fuel-based motorcycle for a battery, turning it into an electric one and extending its life cycle