About Daskapital
The Daskapital project is now taking its first steps, but its ambition is great, and its foundations are solid! Daskapital was born from a project of continuous collaboration between industry and academia focused on the issue of financing: its access, cost, and complexity. However, while these three components are serious concerns for large companies, for SMEs, which represent 99% of total businesses in the European Union, the difficulty is much greater. On the other hand, individuals struggle to generate returns on their savings. After years of banks paying near 0% on savings accounts and an almost nonexistent retail bond market, individuals have few options to escape higher-risk savings instruments or those with higher transaction costs.
Daskapital's mission
Therefore, Daskapital's mission is to bring together companies seeking financing and individuals seeking returns on their savings. To achieve this, Daskapital provides an investment platform with an easy-to-use and low-cost crowdfunding solution, replacing banks as intermediaries and offering significant advantages for both companies and savers.
In addition to facilitating financing operations, Daskapital offers its users a comprehensive service that includes: providing digital IBANs, payment management, credit analysis and evaluation, collections management, and legal support. Furthermore, Daskapital is regulated by CMVM (Portuguese Securities Market Commission) and is required to comply with the best governance and compliance practices for a safe operation for all users.
Daskapital is almost at your service
Soon, Daskapital solutions will be available for you. Daskapital’s collective investment platform will kick off with 2 products: an asset financing solution, or crowdlending, and a short-term liquidity solution through crowdfactoring.
You can learn more about financing or investment solutions by exploring the Daskapital website or by following the upcoming publications from Daskapital Blog.
Frequently Asked Questions
Invoice Advance is a crowdfactoring solution for short-term financing that allows companies to anticipate the payment of invoices receivable, obtaining immediate liquidity. Invoice Advance is managed by Daskapital España S.L., a subsidiary of Das Kapital Lda.
In the Invoice Advance collaborative financing model, companies publish the credits they hold on their customers on the Daskapital platform, and investors compete with each other to purchase, at a discount, part or all of the invoice. Through an auction process, they define the amount they wish to invest and the minimum return they require, and companies will be financed by the group of investors demanding the lowest interest rate.
On the invoice due date, the debtors (the company's customers) pay the credit, returning the capital invested to the investors. The profit comes from the difference between the amount invested in the invoice seller and the amount received from the invoice payer, which corresponds to the discount.
Crowdfactoring is a form of collaborative financing in which companies can receive advance payment for receivables owed by their customers through online platforms such as Daskapital.
In this model, investors purchase invoices (partially or in full) at a discount (which translates into a rate of return), advancing their value to companies. This allows companies to quickly obtain the financing they need, while investors earn a financial return by acquiring the right to receive payment of the invoice amount (partial or full) on the due date.
Invoice Advance offers advantages for both investors and companies.
For investors, it allows them to diversify their portfolio with short-term investments and above-average returns, choosing the invoices in which to invest (and the consequent level of risk and maturity) and the minimum rate of return they require, with security and transparency guaranteed by Daskapital, which analyses and verifies the solvency of the payers of the invoices provided by the assignors.
For companies, it guarantees immediate liquidity without resorting to banks, allowing them to finance themselves at even lower interest rates if they are assigning credits on companies with lower risk than themselves, as the associated risk, as perceived by the investor, is that of the invoice debtor.
It can be used by companies as a way to balance the risk level and maturities of their accounts receivable.
Each financing request or investment opportunity is subject to a rigorous risk analysis by Daskapital before being made available on the platform, based on:
- Accounting, financial and commercial data provided by the promoters of the companies;
- Credit information from Iberinform (Atradius Credit and Surety), such as ratios, information on incidents, legal proceedings and other independent data;
- Analytical and statistical models (credit score and limit);
- Document verification and, in some cases, verification of the accuracy of the information provided, among other procedures.
Daskapital requires real and personal guarantees and only publishes projects that meet the minimum criteria for risk and fair profitability. All this information is disclosed and made available in each financing request or investment opportunity.
If you need further clarification, don't hesitate to get in touch with us at support@daskapital.eu.
