DASLENDING for INVESTORS

Daslending is a crowdlending solution for medium-term financing of business fixed asset acquisition projects offered by Daskapital – Crowdfunding, S.A., a subsidiary of Das Kapital Lda.

Under the Daslending collaborative financing model, companies promote their projects on the Daskapital platform with a view to obtaining medium-term financing, and investors compete with each other to finance them through an auction process in which they define the amount to be invested and the minimum return they require. Companies will be financed by the group of investors demanding the lowest interest rate/return.

Crowdlending is a form of crowdfunding in which multiple people or institutions invest money in business projects through online platforms such as Daskapital. These people or institutions, the investors, lend money directly to borrowers, usually without the intermediation of traditional financial institutions.

Crowdlending allows borrowers to access capital in a more agile and flexible way, while investors have the opportunity to get financial returns on their investments in the form of interests.

Daslending offers advantages for both investors and companies.

For investors, it allows them to diversify their portfolio and access above-average returns, choosing the projects (and consequent level of risk and maturity), amounts and minimum rates of return they require, with security and transparency guaranteed by Daskapital, which analyses and verifies the solvency of the project promoters.

For companies, it is a fast and competitive way to obtain financing resulting from a competitive process, without initial costs or dependence on traditional banks, through a fully online and transparent process, with the guarantee of not incurring costs if the project is not financed, namely initial fees for opening the process, evaluation and management. Additionally, it helps companies assess the viability of their project by verifying the interest it generates among investors.

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.