Crowdlending (coming soon)
About
Crowdlending is an investment strategy where investors’ funds are used to finance small and medium-sized businesses through specialized online platforms. Companies receive loans, while investors benefit from regular interest payments and the return of principal. Crowdlending typically offers higher yields than bank deposits or government bonds, but it comes with the risk of borrower default
Recommended investment horizon: from 1 year
Who Is It For
Investors seeking alternative instruments with returns higher than traditional deposits and bonds
Those willing to accept credit risks and interested in supporting the real economy
Investors prepared for medium-term capital placement who do not require instant liquidity
How It Works
Borrower Assessment. The manager and platform conduct a thorough evaluation of each company’s creditworthiness, including credit history, financial metrics, business longevity, and other factors. Only vetted borrowers are approved for funding
Fund Placement. Once approved, the business receives the necessary financing. The investor enters into a loan agreement with fixed terms
Payments. Investors receive regular interest payments and principal repayment according to a set schedule. Returns may vary depending on the risk profile and currency of the loan
Risk Management. Platforms employ scoring, underwriting, legal support, and, in case of delinquency, may initiate debt recovery through legal proceedings. However, repayment of funds is not guaranteed
International Diversification. The manager can allocate funds across platforms worldwide, enabling income in various currencies and reducing country-specific risks
Fees
1%
20%
No fee. There is a 7-day lock-up period
No fee
Other fees - for converting USDT or USDC to fiat currencies and back, transferring funds, and conducting other transactions with banks, brokers, and exchanges, we pay various fees to counterparties. Unfortunately, we cannot predict these fees in advance, but we always strive to minimize them
Asset Withdrawal
Process. A withdrawal request is submitted to the manager via the investor’s personal account. Typically, funds can be withdrawn after the borrower has repaid the loan. There is a secondary debt market, but it may be illiquid during periods of market instability
Timing. Funds are usually withdrawn within up to 7-90 days. The actual return period depends on the loan repayment schedule (usually several months to a year). Early withdrawal is only possible after full repayment of all active loans, or via the secondary market if available
Features. Crowdlending is less liquid than bank deposits or bonds: withdrawing funds before the loan term ends is generally difficult. In the event of borrower default, the recovery process can take additional months and may not always result in full capital recovery
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