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.

To start investing, all you have to do is:

1. Register on the platform, completing identity verification (KYC - Know Your Customer) and a short 3-question investor qualification test;
2. Fund your Daskapital wallet with any amount starting from €10, via card payment or bank transfer using your unique Daskapital IBAN;
3. Select an open investment opportunity and start investing.

Register here.

If you wish to know why we need an identity document, visit this page.

For further information, please contact support@daskapital.eu.

Income obtained through Invoice Financing and Rent Advance is considered, for tax purposes, as capital gains, resulting from the difference between the amount invested and the amount redeemed.

The capital refers to the initial amount invested. A capital gain is the profit realised when an investment is sold or redeemed for an amount greater than the initial value. The assignment of receivables in which the debtor is notified of their obligation to pay the assignee means that, at the time of payment, this is made by a third party (the debtor) and not by the assignor, which implies the existence, not of investment income such as interest, for example, but of a capital gain.

Daskapital does not withhold tax on these capital gains, and the investor is responsible for declaring them to the relevant tax authorities.

At the beginning of each year, the investor will receive a detailed statement of all their income and any tax withholdings from the previous year, containing all the information necessary for their income tax return.

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

Yes.
You have a 4-day reflection period after placing a bid, during which you can freely modify or withdraw it.

After this period, bids can only be withdrawn if they are “outbid” (i.e., not currently allocated). You can, however, improve your offer at any time by increasing the amount or adjusting your minimum interest rate.

The exceptions to this rule are the accounts of Sophisticated Investors to whom, due to their characteristics, the reflection period does not apply.

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