Key investment information sheet at platform level

Last updated: Feb 24, 2026

Crowdfunding service provider: Capitalia, SE
Registered office: Stabu iela 20-1, Riga, Latvia, LV-1011
Legal persons responsible for the information provided: Capitalia, SE, its Chairman of the board: Juris Grišins

The crowdfunding service provider declares that, to the best of its knowledge, no information has been omitted or is materially misleading or inaccurate. The crowdfunding service provider is responsible for the preparation of this key investment information sheet.

Fees, information, and legal redress

Fees and costs incurred by the investor relating to the investment (including administrative costs resulting from the sale of admitted instruments for crowdfunding purposes)None

Where and how additional information about the crowdfunding project, the project owner [and, where applicable, the SPV] can be obtained free of charge

For any further information please contact support@capitalia.com or call at +371 2880 0880.

How and to whom the investor may address a complaint about the investment or about the conduct of the project owner or the crowdfunding service provider

Investor can submit the complaint via submitting a filled-in complaint form available on the Capitalia website to info@capitalia.com, calling to the office phone, paying a visit to Capitalia’s office, or sending an email to the Capitalia specialist who has been managing the client. The complaint can be submitted in any language understandable to the complainant in which the Key investment information sheet is available. The complaint must include:

information about the complaint,
the complainant’s evidence,
the complainant’s desired outcome,
the complainant’s contact information for sending the decision and outcome.

The Project owners and Investors can submit complaints about Capitalia’s services free of charge. Capitalia reviews and handles the submitted complaints free of charge as well.
If the complaint concerns Capitalia services and is submitted in the required format, but lacks some information or evidence from the complainant, Capitalia will request this information from the complainant to provide a specific answer to the complaint.

Information on individual portfolio management of loans to be provided by crowdfunding service providers

a) Identity, legal form, ownership, management and contact details of the crowdfunding service provider

Identity: Capitalia SE
Ownership: 100% of shares are owned by Capitalia Investment Holding, AS
Management: Juris Grišins
Contact details: support@capitalia.com, +371 2880 0880

b) The minimum and maximum interest rate of loans that may be available to investors’ individual portfolios6%-24% annually

c) The minimum and maximum maturity date of loans that may be available to investors’ individual portfolios1-60 months

d) Range and distribution of risk categories (Default rates per risk category with break down by the year in which the loans were granted, Weighted average interest rate per risk category with break down by the year in which the loans were granted)

Portfolio distribution (number of loans in the risk category/number of total loans issued in the particular year)

	2021	2022	2023	2024	2025
A+	66.96%	60.94%	39.82%	0.49%	0.00%
A	5.22%	2.15%	5.43%	17.07%	10.09%
B	13.48%	19.74%	30.32%	45.85%	42.66%
C	12.61%	15.88%	20.36%	34.15%	36.24%
D	1.74%	1.29%	4.07%	2.43%	11.01%

Default rates per risk category (number of defaulted loans in the risk category in a year/number of loans active at the beginning of a year)

	2021	2022	2023	2024	2025
A+	4.12%	9.66%	6.73%	5.16%	9.17%
A	0.00%	0.00%	20.00%	20.00%	3.03%
B	0.00%	7.50%	3.92%	8.82%	11.34%
C	0.00%	8.57%	2.27%	16.22%	11.25%
D	0.00%	0.00%	0.00%	0.00%	16.67%

Weighted average interest rate per risk category by the year in which the loans were granted

	2021	2022	2023	2024	2025
A+	7.15%	7.24%	7.64%	7.56%	N/A
A	10.62%	11.34%	11.55%	11.03%	8.73%
B	12.38%	12.32%	13.03%	12.04%	10.49%
C	13.73%	13.69%	13.79%	12.95%	12.08%
D	18.09%	15.82%	14.34%	15.42%	15.96%

e) The key elements of the internal methodology for credit risk assessment of the individual crowdfunding projects and for defining the risk categories

Capitalia prepares credit assessment of each borrower based on our extensive experience of financing over 5,000 businesses in the Baltic States during the last 10 years.
Capitalia assigns each project to be published on the Platform a credit risk score and corresponding risk grade. The project’s credit score is calculated using a judgment-based model, in which statistical measurements are integrated with discretionary elements of decision-making. Capitalia uses an internally developed credit score calculation model. The risk score and risk grade are used to rank projects by the expected loss through the lifecycle of a loan.
More information about Capitalia’s credit risk assessment methodology is available in the Description of Credit Risk Scoring Model and Loan Pricing Methods, published on the Platform’s webpage.

f) Procedures, internal methodologies and criteria for selection of the crowdfunding projects to the individual portfolio of loans for the investor

The service of individual portfolio management of loans is provided to the Investors via the Auto-invest functionality of the Platform. The Auto-invest function allows the Investor to invest a pre-determined Investment amount in Loan projects based on:

the minimum and maximum interest rate of a Loan;
the minimum and maximum maturity of a Loan;
the range and distribution of risk categories applicable to the Loans;
Project owner's country of operations.

The investor may at any time de-activate the Auto-invest function or change the criteria of the Auto-invest function.
By activating the Auto-invest function, the Investor gives a mandate to Capitalia to generate and submit Loan approval forms on the Investor's behalf for the Loans that match the criteria stipulated in the Auto-invest investment strategy set up by the Investor.
An investor may set up their Auto-invest criteria manually, or choose suggested mandate templates. Capitalia provides Investors with suggested mandate templates with different risk characteristics.

Procedures, internal methodologies and criteria for selection of the crowdfunding projects to the individual portfolio of loans for the investor are described in the Description of Methods Used to Assess Credit Risks for Individual Portfolio Management Projects, published on the Platform’s webpage.

g) The servicing of portfolio loans, including in situations where a project owner does not meet its obligations

Capitalia itself will perform loan servicing according to its internal loan servicing policy.

In case the project owner breaches its contractual obligations, Capitalia will assign third parties to perform debt collection services. More information regarding Capitalia’s loan servicing policy can be accessed on Capitalia’s Risk Statement and Terms and Conditions.

h) Risk diversification strategies

The risks will be diversified by setting maximum exposure to various portfolio characteristics:

Total investment amount,
Maximum investment in one project,
The preferred risk categories distribution in percentages (1-100% in each grade from D to A+ (sum must equal 100%),
Countries whose projects will be included in the portfolio,
Exposure to the same loan term (1-60 months),
Minimum and maximum interest rate.

Capitalia limits exposure on one project owner to a maximum of either 10% of the total investment amount or the investment in one project amount, whichever is larger.

Capitalia provides loan portfolio diversification recommendations for Investors setting their individual preferences.

i) Fees to be paid by the project owner or the investor, including any deduction from the interest to be paid by the project owner

In addition to the interest paid to Investors, project owners pay Capitalia loan issue fee of up to 5% of the loan amount and project management fee of 2.5% to 7% p.a. of the remaining loan balance annual. These fees are covering Capitalia's operating and administrative costs. More information regarding loan pricing can be found in Capitalia’s Description of Credit Risk Scoring Model and Loan Pricing Methods.
There are no fees paid by the investors.