Investors benefit from participation in investment projects at Envestio in several ways:
• Envestio offers to invest only in premium investment projects, which passed complete due diligence process prior to offering them to public.
• Much higher interest rates than from traditional bank deposits, regular payments according to pre-established schedule.
• Wide range of investment opportunities and possibility to diversify the portfolio of investments.

It is free to register at Envestio and start investing using the platform.
Please check our fees here: https://envestio.com/en/investing/#fees

All adults may become investors at Envestio. Legal entities registered in the EEA member countries or Switzerland are welcome to open corporate investor accounts with us.
If you’re registered in another country, please contact us with more details.

Private investors may start investing right after registration at the platform. In order to activate “withdrawals” they have to provide verification documents.
Corporate investors have to provide documentation for verification before investing.
The documents may be sent via email to [email protected] or uploaded to the platform. Exact requirements may be checked in the “Documents” section inside an investor account.

Minimum amount of single investment at Envestio is 1 EUR.

100 EUR

Bank account details and payment instructions can be found in an online cabinet of our registered investors (My accounts/”Add funds”).

At the moment, Envestio is not accepting credit cards as a mean of adding funds to Envestio investment account. Also, it is not possible to add funds by Western Union, crypto-currency, or any kind of electronic money transfer. We don’t accept third party funds, all Investor accounts must be funded from bank accounts of their owners.

It’s possible. Though, we strongly recommend our investors not to use shared IBANs and transfer the funds from their private accounts (with dedicated IBANs) only (so that their payments may be easily identified and returned to the sender if necessary).
Those investors who use Transferwise or similar platforms with shared IBANs must send us a payment proof, so that we may identify the sender.
Don’t forget to add your investor account number while making a payment.

Making investments in premium investment projects at Envestio offers great opportunities, but these investments still are risky as any other. In the worst case, the entire investment, including principal and interest amount may be lost. At the same time, Envestio participants are under no obligation to continue funding the problematic project.
Envestio participants can minimize the risk by diversifying their investment portfolio.

At Envestio, investments in any project are processed completely electronically on the online platform.

Since Envestio is more focused on European projects, currently we offer investment accounts in EUR only. Payments in other currencies will be converted to EUR at our bank’s rate.
Please note that we accept payments from private bank accounts of our individual investors only. Corporate Investor accounts may be financed from a bank account opened in the name of a legal entity having an account with us.

Investments done at Envestio platform are usually structured in a form of a loan from an Envestio participant to a legal entity.

The scheduled dates of annual reports and investor updates are listed in the investors section of the respective investment project and may be accessed by Envestio participants at any time.

Each project includes a payment schedule, which is visible to all registered Envestio participants.

Investments done at Envestio platform are usually structured in a form of a loan prom Envestio participant to a legal entity. Thus, returns are earned and taxed as an interest income from a loan and are subject to personal tax rate of the Envestio participant.
Envestio does not guarantee that the above tax information is accurate.

No. The risk of the Envestio participants is limited to losing the amount of money they invest in a specific investment project. There are no obligations to make further contributions.
Envestio’s Team performs a deep analysis of every project placed on the platform, making sure the risks are minimized and the borrower has enough funds (and assets pledged) to repay. Still, there is always a possibility that a default scenario of a project may happen.
Read more about the procedure of funds recovery: https://blog.envestio.com/how-safe-investments-in-envestio-are/

Besides the buyback option Envestio is planning to introduce a secondary market tool for selling investments before their maturity to other investors.

Envestio buyback guarantee means that any Envestio participant at any moment can sell an investment from his or her investment portfolio back to Envestio and instantly receive invested money back his or her investment Cost of performing a buyback is shown in a project description.
Please note that in some cases cost of buyback can account to a substantial percentage of the invested amount.
All interest payments already transferred to Envestio participants’ investment account according to the project’s schedule remain in possession of the investors.
Envestio is sufficiently capitalized to execute any buyback immediately.

Envestio business model includes cooperation with investment project owners in the field of providing bridge financing/temporary equity replacement for their business projects. Funds, gathered via Envestio portal, constitute a certain share of total financing that is attracted to specific project, besides traditional funding from banks etc. Respectively, the weighted average cost of capital (WACC) for these projects is much lower than interest rate, payable to Envestio participants.

We also approach our investment projects from an ethical perspective – our projects help build businesses and infrastructure that creates stable new jobs. In comparison to similar websites offering investment in p2p lending schemes, we do not support the so-called “payday loan” industry, which can actually harm the economy and people in it.

If you are looking for funding for your own business project, feel free to present your investment opportunity to Envestio here.

Envestio shareholders have successfully launched and exited several successful P2P projects in different EU countries.

Our team details are located on the bottom of About page.

Since Envestio started as a private investment company without any public activity and launched its first crowd investing project only in December 2017, it is not possible to find too much public interviews or conference speeches, given by the company management. However, we aim to increase transparency of our company to our current and future clients.

Business address of Envestio is presented at the bottom of Envestio webpage, next to other legal details of the company.

Sure! Envestio existing and potential clients are welcome to ask any questions about the platform or offered investment projects via chat tool at Envestio portal or by sending them to our email: [email protected]. Our client support team will be happy to answer them.

Investment projects can apply directly and easily via Envestio website (NOT AVAILABLE AT THE MOMENT) or by sending an email to [email protected].

Envestio conducts primary check and due diligence process, but eventually the project team and the business model must convince the Envestio participants, as they are taking the ultimate decision.

By funding an investment project through Envestio, investors do not have any influence on the day-to-day business of a company. The investment project continues to make its own independent business decisions.

The investment projects do not have any administrative burden, because Envestio unites the shares of the investors and serves as the contact for the investment project.

Currently there is a 2-3% structuring fee payable to Envestio for studying an investment project, conducting due diligence, and covering different direct costs, related to placing the project at Envestio website and administering crowdfunding process. Contact us for more details.

Autonomy of Action: The Envestio model of participation provides the investment projects with the necessary managerial freedom in terms of their operations. Day-to-day decisions of the investment project’s management are not influenced by Envestio participants. Legal protection: The standardized Envestio contracts were designed in cooperation leading finance and legal consultants, and strictly follow the effective legislation.

Crowd:Apart from financing, investment projects at Envestio benefit primarily from the crowd. Our Envestio participants are the best crowd one could imagine because there is only a 1 Euro minimum investment amount at Envestio. Indeed, this enables many people to participate, and usually these people are the ones belonging to the Age of Information and like to share info. From the investment project’s perspective, these Envestio participants are valuable fans, who can help increase the investment project’s popularity.

No Administrative Burden: The investment projects benefit from considerable promotion at Envestio website without having to engage in administrative activities because Envestio pools the individual investments and serves as a contact for the investment project.

Promotion: Besides the necessary funding, all investment projects at Envestio receive an excellent marketing opportunity. The investment project can present itself to a wide audience at Envestio website and considerably increase its popularity among the potential investors, who like to share information. As a result, the investment projects receive a great promotion, marketing, and a supportive fan club of their own.

Autoinvest is a function, which submits automatic investment orders and acquires loan shares according to a configured set of rules. All investments of made by Autoinvest are identical to investments performed manually. Please read our Review blog post for more information.

Autoinvest feature ensures you do not miss an investment opportunity due to high demand, and the investment will be placed based on your chosen criteria automatically, without you having to stress about it.

Once you have confirmed your investment criteria and activated the function, Autoinvest will analyze the criteria for newly published loans and invest in the loans that match your preferences. Autoinvest will not recheck already listed loans it will start working immediately after a new loan publication. Autoinvest works based on a queuing system. If the demand from different Autoinvest portfolios for any single loan is larger than the available loan, various factors will be taken into account while distributing the loan among investors. In order to ensure even allocation of funds and to minimize the risks for investors allowing to have diversified loan portfolios, priority will be given to those investors whose submitted Autoinvest orders have not been fulfilled for the longest time period.

Your money will be spread based on the investment amount you have entered at the Autoinvest activation page (i.e. the investment amount per loan and the total investment amount performed by Autoinvest). Your investments will be placed into the loans according to the same sequence they appear on the platform. Please read our Review blog post for more information.

The minimum investment amount through Autoinvest feature is 100 EUR.

There is no additional cost for using Autoinvest.

Yes, you can turn it on or off any time. It is possible to delete the Autoinvest set of rules by clicking the Delete button in your Autoinvest settings. This will delete the function immediately. It does not cancel any previous or pending investments that have already taken place.
Also it is possible to pause/disable the function by pressing the Disable button. In this case it would be possible to reactivate the Autoinvest rule at any time by pressing the Activate button.

You can easily change your Autoinvest settings at any time. Go to the Autoinvest activation page, choose any Autoinvest rule and press on the View button to view/amend the settings.

Of course. Autoinvest users can also manually invest in loans at any time. Manual investment into a project does not cancel Autoinvest feature. Doing so may result in a portfolio of investments that diverges from your Autoinvest criteria.

Yes, investors may create multiple Autoinvest rules, which would act independently from each other. Please choose the parameters carefully, as Autoinvest rules with overlapping parameters may submit multiple active orders for the same loan, which may result in a portfolio of several investments in the same project.

When Autoinvest is not investing, it is usually due to a lack of available loans corresponding to your settings, or due to insufficient amount of free funds on your investor Account or because Autoinvest is not configured properly, i.e. the settings are mutually contradictory.

No, you cannot cancel or withdraw an investment if Autoinvest has already placed it.
You may only sell it back to us with a buyback fee applied.