Can I resell my purchased loan claims to other investors?
Acredius does not have a secondary market. As an investor, your contract is with Acredius AG, and loan claims cannot be sold to third parties.
Is negotiation between borrowers and investors possible?
Since there is no direct contact between borrowers and investors, there can be no negotiations or bargaining between the parties.
What if I change my mind and I want to withdraw my loan claim purchases?
Loan claims purchases cannot be withdrawn since they are binding, in accordance with the general terms and conditions of the Acredius platform.
How frequently do I receive interest payments?
Investors receive principal and interest payments on a monthly basis, beginning one month after the borrower has received the funding.
What is the procedure after agreeing to purchase loan claims?
The investment period during which loan claims may be purchased generally lasts 30 calendar days, and may be extended by the borrower.
At the end of the investment period, three scenarios can occur:
1. 100% of loan claims have been purchased:
Financing is approved, and investors have 10 days to supply the agreed funding. The investment period may be shorter than 30 days if 100% of the loan amount is reached sooner.
2. 80-99% of loan claims have been purchased:
The borrower may decide whether to accept or decline partial funding. If the borrower accepts, investors have 10 days to supply the funding.
3. Less than 80% of loan claims have been purchased:
The borrower can choose whether to extend the investment period or to stop the loan request. In the latter case, the borrower receives no funding and the investors ready to purchase the loan claims will be informed about the non-success of the project.
Who are the parties in the investment contract?
The investment agreement is a legally binding contract between you the investor and Acredius AG.
What does it cost to register at Acredius?
Registration on the Acredius platform is free of charge.
Which data must I provide in order to register on Acredius as an investor?
Investors must provide first name, surname, address, nationality and date of birth when registering on Acredius. Some additional information may be needed depending on the type of investor you are. For example, if you are the legal representative of an investor, you will have to upload a procuration.
Can I still invest in a project if 100% of loan claims have already been purchased?
Once 100% of the loan claims of a project have been purchased, the project is automatically closed and no further investments are possible.
Can I invest in more than one project?
You may invest in an as many projects as you like.