Auto-invest tutorial

The automatic investment function allows investing a pre-determined investment amount in loan projects based on stipulated risk, geography, and term preferences. Investors can create their own automatic investment algorithm or use our offered drafts. Using Auto-invest ensures that you do not miss great opportunities as the most attractive projects often get funded as quickly as 15 minutes.

The first step is to access the Auto-invest area. You need to login into your profile and then in the top right corner menu select the Auto-invest item as shown below:

In order to start, you are offered to either choose one of the predefined strategies by Capitalia or create your own customized strategy. 


Important to note, that choosing a strategy sets automatic parameters for portfolio distribution depending on the risk categories. In the example below, the Conservative strategy is shown with a 50/50 allocation between Risk A+ and A categories.

All other settings such as Countries, Term, and, if wanted a minimum interest rate, can be adjusted manually both in Customized strategy and in Capitalia offered strategies.

The essential part of any Auto-invest strategy is choosing the total investment amount (Investment amount field) that you want to make with this strategy. As well as choosing the investment amount per single project (Investment in one project). With these two settings, you are able to choose the level of diversification as well. We recommend investing at least in 10-20 different projects, however, the more projects you invest in the more diversified your portfolio will be, meaning that any single project delay or loss will not have a significant impact on overall portfolio performance.

The final step is to Activate and Save your strategy as shown below:

Once you Activate and Save your strategy it will be running until you either turn it off or until all wanted Investment amount is invested by this strategy. Once the limit is reached, to continue using your Auto-invest strategy, you should increase the Investment amount respectively.

Below we also share important notes on the auto-invest feature and changes that Investment Wallet brought to it. We are excited to see how many investors are already using these tools in combination for a smooth investment experience.

The smoothest automatic investing so far

The intended way of using Auto-invest is to invest in a large number of projects, maximizing diversification instead of picking projects individually. For this the Investment Wallet feature brings the true benefit of automated investments - you add funds once to your wallet and everything else is taken care of automatically. Just make sure to add enough funds to the wallet to last either for the total strategy amount or at least for 1-2 months' worth of investments. Reach out to us at and we can indicate this specific amount suggested for your individual strategy. 

Why it is important to keep funds on the Investment Wallet

All investments, including auto-invest made bookings, are automatically canceled after 4 days if they are not paid for. This means that in order not to miss the auto-invest bookings or your manual bookings you either should keep the wallet balance sufficient at all times or add funds as soon as you receive the draw-down notice of Automatic investment. Another important reason is the waiting time for borrowers - small and medium companies of the Baltic states. Loans cannot be disbursed to borrowers until all bookings are paid!

The ability to cancel an investment will remain, but depend on your Investment Wallet balance. In case the balance is enough, funds will be reserved immediately after a successful auto-invest booking and the button Cancel will disappear. In case your wallet balance is not sufficient, then you will see the button Cancel same as before. 
Published by at. 15:14