Dudas inversores [Monethera responde]

Plantea aquí tus dudas y el equipo de Monethera las responderá.

Por ejemplo....

• ¿Por qué las empresas se financian a través de Monethera y no a través de financiación bancaria?
• Requisitos que deben cumplir las empresas para recibir financiación a través de Monethera (eg: antiguedad, facturación...)
• ¿Co-invierte Monethera en los proyectos aportando fondos propios?
• ¿Qué garantías/avales solicita Monethera a las empresas?
• ¿Pueden las empresas asumir pagar un 18%-20% de intereses en su cuenta de resultados?
• ¿Qué seguimiento hace Monethera de las empresas que reciben financiación?
• ¿Qué dotación tiene el fondo que cubre el 35% de la inversión en caso de impago y cuál es el origen de los fondos?
• ¿Qué procedimiento se sigue en caso de impago para recuperar el 65% restante?
• Etc..

Hola Admin

Tienes alguna respuesta de estas dudas??

Saludos

•Why are companies financed through Monethera and not through bank financing?

In the Baltic countries, there is a rather strict credit policy, so often companies cannot get the necessary loan for business development. And we are talking not only about startups, but also about recognisable stable companies that have long been operating in the market.

In this case, you can attract investments from investment funds or private investors, but usually it is a long and laborious process, which, among other things, involves the sale of part of the shares. Not every business owner is ready for such a step.

That’s why Monethera is a very really reasonable option to borrow money from.

•Requirements that companies must meet to receive financing through Monethera (eg: age, billing ...)

Companies should pass 3-level verification, including our Investments Advisor’s (Kristina) opinion about overall business idea, Due Diligence by third-party Audit company and final decision made by our Financial & Risk Analyst (Viktor).

We are taking in account:

Overall Company information
Business Plan
Financial records
Tax report for previous year
Operative funds balance
Information about Directors and Shareholders
Implementation's plan (including funds allocation)

•Does Monethera co-invest in projects contributing its own funds?

Yes, we do. We still have our private fund, which is focused on more expensive investment targets. We also leave the right to pre-fund any of projects if it's implementation is needed to be started quicker, than we receives needed investments from our investors.

•What guarantees / guarantees does Monethera request from companies?

Monethera is always taking in account all possible risks and looking for ways to avoid them.
The most popular and truly workable option is to include in a contract with borrower not only guarantees and responsibility from a company, but also personal guarantees from directors and shareholders.

As we accept only already successful companies, who normally got some assets, such as properties, cars, equipment etc., we are asking companies to pledge their assets, as a guarantee.

•Can companies assume to pay 18% -20% interest on their income statement?

Yes, sure. Interest payments should be also included in business plan and project estimates.

•What does Monethera track companies that receive financing?

We are tracking project’s implementation progress and funds allocation on a monthly basis to be sure, that everything is going well. This part about transparency is also noted in a contract with every borrower.

•What endowment does the fund have that covers 35% of the investment in case of default and what is the origin of the funds?

If any project defaults, which can be named as defaulted only after one month after not repaying the loan in full, we are going to pay 35% of investments back to investors immediately from our reserve fund. Reserve fund belongs to Monethera’s private investment fund and it has enough funds to cover 35% of loses even in case of default of several projects at once.

•What procedure is followed in case of default to recover the remaining 65%?

All the rest 65% + interest for a delay will be paid out as soon as litigation process with a borrower finishes successfully. It may be also resolved without any litigation process, if amount of pledged assets is enough to cover all 65%. From our practice in the worst case the litigation has took 19 months.

Regards,
Andis

Así de claro, muy bien explicado.

Gracias.

In order to decrease the risk, I prefer not to invest in several projects of the same borrower.

How can I quickly check if a new published project belongs to a borrower in which I have already invested?

Thanks