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.
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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.
Investors do not pay any fees for their investment at Envestio either. Therefore, the entire payment is used for the investment with no deductions.
In some specific cases there are one-off fees, associated with international bank transfers.
All adults may become investors at Envestio. With the minimum investment amount of only 100 EUR, the idea behind Envestio is that everyone should be able to participate in different innovative and traditional investment projects.
Minimum amount of single investment at Envestio is 100 EUR.
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. Professional investors often follow this strategy because it causes the risk to be distributed among several investments. In this way, successful investments with high return can balance out other less successful investments.
At Envestio, investments in any project are processed completely electronically on the platform and they only take a few minutes. The correspondence via paper documents is not necessary; all deals are approved and documents are sent electronically.
Yes, that is no problem. Envestio offers several methods of payment that are available internationally, such as credit card payment (NOT AVAILABLE AT THE MOMENT) or bank transfer.
Investments done at Envestio platform are usually structured in a form of a loan prom Envestio participant to a legal entity.
Envestio participants receive a regular overview of the status of the projects they invested in. In addition to that, they may also view the published annual financial statements of the companies, which are realizing specific investment projects.
The investment does not entail any obligations; most importantly, there is no obligation to make further contributions.
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.
User comments and questions about the investment projects are an integral part of Envestio. They complement our website and provide valuable suggestions and helpful feedback to our investment project owners and other investors.
The tone and the business essence of the comments are important to us. We want to provide an environment in which all users gladly contribute their ideas and suggestions to Envestio.
However, it must be considered that presentation and regular status updates contains a lot of valuable information about the project, so Envestio participants are kindly suggested to carefully read through all this information before asking a question in comments.
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 is planning to introduce a tool for selling investments before their maturity to other investors.
Each of Envestio investment opportunities has specific exit conditions, which are described at Envestio website together with other details of the investment project.
Envestio currently is offering investment projects with yearly interest rate from 12% up to 22%, depending on length and risk category of the project.
Financing of cryptomining hardware industry is considered most risky investment with the highest return, while real estate industry has the lowest risk category and moderate interest rates. You can check out all of our projects here: https://envestio.com/en/projects/
All interest payments already transferred to the Envestio participant's investment account according to the project's schedule remain in possession of the investor. Interest that is accrued, but not yet received, is written-off at the moment of confirming the buyback.
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 account. Since the funds, gathered via Envestio portal, constitute a certain share of total financing that is attracted to specific project, besides traditional funding from banks, Envestio is sufficiently capitalized to execute any buyback immediately.
Cost of performing buyback is calculated and shown to Envestio participant in Envestio personal area.
Please note that in some cases cost of buyback can account to substantial percentage of invested amount.
Envestio does not convert invested funds into any kind of crypto-currency. Investment accounts of Envestio participants are maintained in EUR, and money payouts to Envestio participants are done in EUR as well. Currently there is no blockchain/token technology used behind Envestio operations.
At the moment, Envestio is not accepting credit cards as a mean of adding funds to Envestio investment account. This possibility is still being analyzed in order to comply with AML legislation and be economically viable for Envestio business. Also, it is not possible to add funds by Western Union, crypto-currency, or any kind of electronic money transfer. Envestio portal accepts only safe bank transfers, done by Envestio participants from their private bank accounts.
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 legal details are presented at the bottom of Envestio webpage. The legal entity is operating under legislation of the Republic of Estonia, which does not require any special registration or license from the country’s financial regulator.
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.
We approach everything from the standpoint of maximum efficiency, be it advertising or investments. Naturally, our 21st century audience is primarily using internet and different social media, so we focus our efforts where it matters.
Envestio launched the crowdinvesting platform in December 2017 and successfully finished and exited our first crowdinvesting project in the end of February 2018, which is definitely too short-term period for attracting massive attention from independent reviewers and other industry-related media resources.
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@example.com. 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 firstname.lastname@example.org.
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.
Apart from financing, investment projects at Envestio benefit primarily from the crowd. Our Envestio participants is the best crowd one could imagine because there is only a 100 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.
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% structuring fee payable to Envestio for studying the investment project, conducting due diligence, and covering different direct costs, related to placing the project at Envestio website and administering crowdfunding process.
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: Because there is only a 100 Euro minimum investment amount at Envestio, a large number of people can participate in any project. This is also an important advantage for the investment projects. The larger the investment project's enthusiast base is, the more successful it is, as Envestio participants are people of the Age of Information, who like to share information, thus creating additional info support for the projects.
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!