Started as a private investment fund, now Envestio is a modern crowdinvesting platform, which offers new ways of making investments in traditional and innovative investment projects. Envestio offers investors premium level investment opportunities, which were carefully chosen from many applications and thoroughly studied by Envestio analytical team. Entrepreneurs from different industries can apply for structured financing at Envestio platform and quickly receive it from the pool of registered private investors. Envestio takes care of the transparent full-cycled fundraising process, and ensures honest and unbiased information exchange between all participants of every investment project.
In the Age of Internet crowdfunding concept swiftly became popular as an alternative way of finding necessary financing for different projects. Unlike the traditional bank financing, crowdfunding is highly decentralized concept, where many investors are participating in each project with investments of small or moderate size. Crowdfunding is being used to finance project of different size and nature, such as commercial ventures, cultural and charity events, scientific research, development of new products, etc. In many cases, people, contributing to a crowdfunding project are not expecting a monetary return, especially in case of funding cultural or charity project, or the return is clearly symbolic, like “thank you” booklet or CD.
Crowdinvesting is somewhat more specific than ordinary crowdfunding as it is related to funding business ventures, newly established or already existing companies with a straightforward purpose of earning interest on invested funds. Certain number of investors join a pool to complete the announced need of a project or company for specific type of funding. Profits or revenues are distributed to them according to previously approved schedule and proportionally to the share invested by each investor. Most crowdinvesting platforms allow their participants to start investing from very fairly small amounts, such as 50 or 100 EUR. Ordinary people received a great alternative to traditional bank deposits, which are noticeably less flexible and profitable than investments made through crowdfunding platforms.
Bridge financing is an interim financing option used by companies and other entities to solidify their short-term position until a long-term financing option can be arranged. Bridge financing normally comes from an investment bank or venture capital firm in the form of a loan or equity investment. This type of financing only occurs when a company's runway is shorter than its future financing options, and it needs to remain solvent in order to obtain such long-term financing.
Read more at Investopedia.com
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@example.com 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.
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: firstname.lastname@example.org. 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@example.com.
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.
Investment buyback is guaranteed!
Sell an investment from your portfolio back to Envestio at any moment!