Company assessment
In each loan project, investors can review the company description, available collateral, financial data, risk analysis, and other information. Investors can also request additional details about any company by contacting the Capitalia representative listed at the end of the project description. Standard loan agreement form is available here - Loan agreement.
Publishing new projects
All financing projects are published in the Lending opportunities section on Capitalia website, accessible for logged in investors. Financing projects below EUR 50,000 are published daily at 11:00 (Baltic time) without a separate email notice. Information about larger projects is sent via email in case available investment after Advised accounts and Auto-invest investments is more than EUR 50,000.
Making an investment
After evaluating a company, the investor can enter the desired investment amount on the right side of the project description. The minimum amount per project is EUR 100. Every fully registered investor on Capitalia platform has an Investment wallet - which is used for adding funds, making investments, receiving repayments, and withdrawing funds.
A loan is issued to the company provided that the full required funding amount is collected from investors within the term stated in the project description. Funding for each project is usually open for two weeks unless stated otherwise. If the full required amount is not collected within this period, received investments are returned to investors within one business day. If the full amount is collected, Capitalia signs the loan agreement with the company and sends confirmation of the completed transaction to all investors. When funding is secured by a commercial pledge or other collateral types, investor confirmation may be sent within two weeks. Each investor owns a proportional share of the total loan issued to the company. According to the Terms of Use, lenders authorize Capitalia to conclude loan agreements, register pledges, supervise credit, distribute payments, and perform other necessary actions.
Secondary market
Capitalia offers investors an opportunity to participate in the secondary market by buying and selling* investments.
*In the testing stage. Investors will be informed as soon as this function becomes available to them.