Dasfactoring is a crowdfactoring solution for short-term financing that allows companies to anticipate the payment of invoices receivable, obtaining immediate liquidity. Dasfactoring is managed by Daskapital España S.L., a subsidiary of Das Kapital Lda.

In the Dasfactoring 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.

Dasfactoring 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.

To promote a project, your company must:

• Be based in the European Union and registered on Daskapital;
• Have regularized financial report, published, and signed by a Certified Accountant;
• Having a positive accounting Equity;
• Have no payment incidents to private and public entities;
• Operate sustainably in their business activities;
• Provide Daskapital with all requested information.

Daskapital performs a risk assessment on every promoter and project.

If you need further clarification, don't hesitate to get in touch with us at support@daskapital.eu.

Of course, you can repay your loan early at any time. To do so, all you need to do is transfer the funds to the IBAN of your Wallet and inform Daskapital (support@daskapital.eu) about your intention to make an early repayment for a specific credit.

Financing through invoice discounting allows your firm to receive funds based on the total value of your invoices, though you will pay interest equivalent to the discount you choose. In essence, you are selling an invoice for a bit less than its face value.

When you discount your invoices through Daskapital, the discount rate is determined by an auction. The final rate will fall between the highest discount you are willing to accept and the lowest discount that investors are willing to offer.

After the auction concludes, Daskapital will promptly transfer 90% of the invoice's face value to you, taking into account the discount and any applicable fees. The remaining 10% will be released to you once your customer's payment has been verified.

It’s important to understand that your invoice will only be financed once investor offers that cover the entire required amount have been secured.

If you need further clarification, please get in touch with us at support@daskapital.eu.