Dasfactoring for Investors

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.

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.

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.

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.