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Frequently asked questions

Crowdfunding is a model of investment and fundraising where investments are provided by a number of single individuals. Crowdfunding significantly simplifies the investment process, provides an opportunity to choose an investment project and receive a higher return on investment.

HeavyFinance is a marketplace, where investors and businesses dependent on the use of heavy equipment meet. The investment opportunities provided by the HeavyFinance platform are always backed by heavy equipment as collateral.

HeavyFinance is the only platform providing an opportunity to invest in loans backed by heavy machinery. The significant benefit of heavy equipment as collateral is the liquidity of this type of asset. Tractors, combines and other heavy machines are easier to sell than real estate and don’t lose much value in times of uncertainty.

The HeavyFinance platform is an intermediary between the investor and the project owner, offering a range of carefully selected projects of the highest creditworthiness; however, the investor shall assume all possible risks: risk of full or partial loss of funds allocated for funding (capital); absence of potential profit and financial liquidity risks.

However, these scenarios are highly improbable. HeavyFinance, acting as the creditors’ representative, will ensure repayment of investments: whenever necessary, transfer of property pledged by the project owner may be initiated and other measures may be taken to ensure repayment of an investment.

All projects are carefully assessed by an experienced team of HeavyFinance. We evaluate both the project itself and the owner’s credit history.

We care about the security of your investments, therefore we use the services of the payment operator Paysera in order to implement the principle of fund segregation.

In order to ensure the principle of separation of funds between investors and the HeavyFinance platform, HeavyFinance has chosen Paysera’s payment system as the payment operator. Paysera is the leader in the payments market in the Baltic States, providing cheap and fast payment solutions that meet the expectations of crowdfunding investors.

  1. Register on the HeavyFinance website at this address.
  2. Fill in the questionnaire.
  3. Link HeavyFinance account with your account in Paysera.
    1. If you have an account in the electronic payment system Paysera, click the button “Link account with Paysera”. Then you will automatically redirect to the Paysera page, where you will be able to link Paysera account to your HeavyFinance account.
    2. If you do not have an account in Paysera, it will only take a couple of minutes to create one with few simple steps:
      1. Download free Paysera app to your smartphone from Google Play or App Store.
      2. When you open the app, enter your phone number and password. Then enter the code received in the SMS message to the app.
      3. Then confirm your email address, fill out a customer identification form, and verify your identity.
      4. In order to increase the limits of your Paysera account, you will need to confirm your identity with a mobile signature, Skype call or go to the Paysera branch.
      5. After completing all the steps, click the “Link Account to Paysera” button on the HeavyFinance website and link Paysera and HeavyFinance accounts.
  4. Choose a project and start earning a return of up to 14%!

Before investing, it is necessary to link the HeavyFinance investor environment with a personal account in Paysera. You can do this by clicking the “link account to Paysera” button. You will be redirected to the Paysera page where you will need to enter your Paysera login details. You will then need to select the account from which you want to invest and click the button to “grant access to the listed information”

It will only take a couple of minutes to create one with few simple steps:

  1. Download free Paysera app to your smartphone from Google Play or App Store.
  2. When you open the app, enter your phone number and password. Then enter the code received in the SMS message to the app.
  3. Then confirm your email address, fill out a customer identification form, and verify your identity.
  4. In order to increase the limits of your Paysera account, you will need to confirm your identity with a mobile signature, Skype call or go to the Paysera branch.
  5. After completing all the steps, click the “Link Account to Paysera” button on the HeavyFinance website and link Paysera and HeavyFinance accounts.

Yes, you can open an account in HeavyFinance on behalf of the company. You must also link this account to your company Paysera bank account and make other required steps for verification.

  1. Register on the HeavyFinance website.

  2. Fill in the questionnaire.

  3. Link the HeavyFinance account to the company’s account in the Paysera electronic payment system.

  1. If you have a company account in the Paysera payment system, click the “Link account with Paysera” button. Then you will be automatically redirected to the Paysera page, where you will be able to link your account to your HeavyFinance account.

  2. If you do not have an account in Paysera, it will only take a couple of minutes to create one with few simple steps:

  1. First, download the Paysera app to your smartphone from Google Play or the App Store.

  2. When you open the app, enter your phone number and password. Then enter the code received in the SMS message to the app.

  3. Then confirm your email address, fill out a customer identification form, and verify your identity.

  4. In order to increase the limits of your Paysera account, you will need to confirm your identity with a mobile signature, Skype call or go to the Paysera branch.

  5. You can see how to create a company account in this video. https://youtu.be/HYDNnTPCvqc?t=172

  6. After completing all the steps, click the “Link Account to Paysera” button on the HeavyFinance website and link your Paysera business account and HeavyFinance accounts.

      4. Choose a project and start earning a return of up to 14%.

Investing using the HeavyFInance crowdfunding platform is permitted to natural persons who have reached the age of majority and all legal entities. Prior to making an investment, it is important to confirm your identity by linking your HeavyFinance account with your Paysera account.

Important information for Lithuanian residents

If you invest as an Individual, the interest earned is included in Class B income, which you must declare and pay 15% PIT (personal income tax) on that income. This tax must be paid by Lithuanian residents themselves on the total amount of interest received during the tax period, which exceeds € 500, i.e. when the total amount of interest received during the tax period exceeds EUR 500, the amount exceeding EUR 500 is taxed at the rate of 15%.

When paying penalties/interest to Lithuanian residents, HeavyFinance will deduct and pay 15% PIT to the State Tax Inspectorate (STI)

Important information for foreign residents

Interest paid to foreign resident individuals is classified as Class A income and will be subject to personal income tax (PIT) deducted and paid by HeavyFinance.

For this reason, foreign residents will automatically be charged 15% personal income tax before paying interest, which will be transferred to the State Tax Inspectorate (STI).

No PIT is required for the payment of penalties/delay interest to foreign residents

Unless otherwise indicated in the loan repayment schedule provided next to the project, your interest will be paid on a monthly basis, while the principal amount invested will be repaid at the end of the project (each project has a specified duration – 12, 24 months, etc.).

Such a project can be financed if more than 25% of the desired amount is collected and the borrower agrees to take a loan on such terms. If the borrower does not agree to the lower amount of borrowing, the financed amount is returned to the investors.

You can invest a minimum of EUR 100 in each crowdfunding project on the HeavyFinance platform. There is no maximum restriction on the investment amount and number of funding projects.

Log in to your HeavyFinance account to see the amount available on your Paysera account. This is a settlement account and operates according to the same principles as the accounts in other banks: it can be used to make transfers, payments with the available Paysera Visa card or you can withdraw the available funds.

The interest on the Loan Amount shall be calculated from and including the date of disbursement of the Loan Amount to the Borrower’s Paysera account or to such other account (or accounts) as notified by the Borrower to the Operator in writing prior to the disbursement of the Loan Amount.

Depending on the project, various measures can be taken to ensure the security of the loan. Here are some of them:

  • Pledge of property by the primary mortgage;
  • Civil and Comprehensive vehicle insurance, where HeavyFinance platform is indicated as the beneficiary;

The LTV indicator provided next to each crowdfunding project shows the loan amount to pledged property value ratio. The lower the indicator, the lower the investment risk, as in the case of non-repayment of the loan, the value of the property sold will be higher than the loan.

In case the borrower fails to fulfill its obligations HeavyFinance starts recovery procedure by approaching notary for executive document. When executive document is issued, bailiff overtakes leveraged machinery and sells it. Recovered funds are distributed to investors. If recovered funds do not cover the investment, recovery procedure is pointed towards borrower itself.

Sutelktinis finansavimas (angl. crowdfunding) – tai pinigų investavimo ir lėšų rinkimo modelis, kuomet investicijas skiria daug pavienių žmonių. Sutelktinis finansavimas labai supaprastina investavimo procesą, suteikia galimybę rinktis investavimo projektą ir gauti aukštesnę investicinę grąžą.

„HeavyFinance“ yra sutelktinio finansavimo platforma, kurioje susitinka sunkiąją techniką paskoloms užstatantys verslininkai ir saugių investicinių galimybių ieškantys investuotojai.

„HeavyFinance“ suteikia galimybę investuoti į turto klasę, kuri iki šiol neegzistavo sutelktinio finansavimo rinkoje. Per mūsų platformą galite investuoti į paskolas, kurios apsaugotos įkeista sunkiąją technika.

Investuotojams suteikiame galimybes gauti iki 14% metinę grąžą iš paskolų, kurios užtikrintos projekto savininkų įkeičiama sunkiąją technika.

„HeavyFinance“ platforma – tai tarpininkas tarp investuotojo ir projekto savininko; čia pateikiami kruopščiai atrinkti, kreditingiausi projektai, tačiau investuotojas pats prisiima galimas rizikas: visiško ar dalinio projektui finansuoti skirtų lėšų (kapitalo) praradimo riziką; tikėtino pelno nebuvimo bei finansinio likvidumo riziką.

Kaip bebūtų, tai yra kraštutinumai. „HeavyFinance“, kaip kreditorių atstovas, daro viską, kad investicijos visada būtų grąžintos: esant reikalui gali būti inicijuojamas projekto savininko įkeisto turto perėmimas ar imtasi kitų priemonių, užtikrinančių investicijų grąžinimą.

Visus projektus nuodugniai vertina patyrusi „HeavyFinance“ komanda. Atsižvelgiame tiek į projekto savininko kredito istoriją, savininko reitingą, tiek ir į patį projektą.

Mes rūpinamės jūsų investicijų saugumu, todėl lėšų atskyrimo principui įgyvendinti naudojamės mokėjimų lyderės Lietuvoje „Paysera“ mokėjimų operatoriaus paslaugomis.

Siekiant užtikrinti investuotojų ir „HeavyFinance“ platformos lėšų atskyrimo principą, „HeavyFinance“ pasirinko „Paysera“ mokėjimų sistemą kaip mokėjimų operatorių. Paysera yra mokėjimų rinkos lyderis Lietuvoje užtikrinantis pigius ir greitus mokėjimų sprendimus kurie atitinka sutelktinio finansavimo investuotojų lūkesčius.

  1. Užsiregistruokite „HeavyFinance” svetainėje šiuo adresu.
  2. Užpildykite klausimyną.
  3. Susiekite „HeavyFinance” paskyrą su elektroninių mokėjimų sistemos „Paysera” sąskaita.
  1. Jei turite sąskaitą elektroninių mokėjimų sistemoje „Paysera” spauskite mygtuką „Susieti paskyrą su „Paysera”. Tuomet jus automatiškai nukreipsime į  „Paysera” puslapį, kuriame prisijungę galėsite susieti savo sąskaitą su „HeavyFinance” paskyra.
  2. Jeigu neturite sąskaitos elektroninių mokėjimų sistemoje „Paysera”, tai galite padaryti jums užtruks vos kelias minutes
  1. Parsisiųskite nemokamą „Paysera” programėlę į savo išmanųjį telefoną iš „Google Play” arba „App Store”.
  2. Atsidarę programėlę įrašykite savo telefono numerį ir slaptažodį. Tada SMS žinute gautą kodą suveskite į langą programėlėje.
  3. Patvirtinkite savo elektroninio pašto adresą, užpildykite kliento atpažinimo anketą ir patvirtinkite savo tapatybę.
  4. Kad užbaigtumėte registraciją ir padidintumėte paskyros limitus reikės patvirtinti savo tapatybę mobiliuoju parašu, „Skype” skambučiu arba nuvykti į „Paysera” padalinį.
  5. Kai atliksite visus penkis žingsnius,  „HeavyFinance” svetainėje spauskite mygtuką „Susieti paskyrą su „Paysera”.
  1. Pasirinkite projektą, į kurį norite investuoti.

Prieš pradedant investuoti būtina susieti „HeavyFinance“ investuotojo aplinką su asmenine sąskaita „Payseroje” .Tai galite padaryti paspaudus “susieti paskyrą su „Paysera“ mygtuką. Jūs būsite nukreipti į „Paysera“ puslapį kuriame turėsite suvesti savo „Paysera“ prisijungimo duomenis. Tuomet reikės pasirinkti sąskaitą iš kurios norėsite investuoti ir paspausti mygtuką, kad „suteikiate teisę išvardintai informacijai gauti“.

Sąskaitą atsidaryti jums užtruks vos kelias minutes:

  1. Parsisiųskite nemokamą „Paysera” programėlę į savo išmanųjį telefoną iš „Google Play” arba „App Store”.
  2. Atsidarę programėlę įrašykite savo telefono numerį ir slaptažodį. Tada SMS žinute gautą kodą suveskite į langą programėlėje.
  3. Patvirtinkite savo elektroninio pašto adresą, užpildykite kliento atpažinimo anketą ir patvirtinkite savo tapatybę.
  4. Kad užbaigtumėte registraciją, patvirtinkite savo tapatybę mobiliuoju parašu, „Skype” skambučiu arba nuvykite į „Paysera” padalinį.
  5. Kai atliksite visus penkis žingsnius,  „HeavyFinance” svetainėje spauskite mygtuką „Susieti paskyrą su „Paysera”.

Jeigu neturite įmonės sąskaitos elektroninių mokėjimų sistemoje „Paysera”, sąskaitos atidarymas užtruks vos kelias minutes.

  1. Pirmiausia, parsisiųskite „Paysera” programėlę į savo išmanųjį telefoną iš „Google Play” arba „App Store”.
  2. Atsidarę programėlę įrašykite savo telefono numerį ir slaptažodį. Tada SMS žinute gautą kodą suveskite į langą programėlėje.
  3. Patvirtinkite savo elektroninio pašto adresą, užpildyti kliento atpažinimo anketą ir patvirtinti savo tapatybę.
  4. Kad užbaigtumėte registraciją, patvirtinkite savo tapatybę mobiliuoju parašu, „Skype” skambučiu arba nuvykę į „Paysera” padalinį.
  5. Kaip susikurti įmonės sąskaitą galite pažiūrėti šiame video. https://youtu.be/HYDNnTPCvqc?t=172
  6. Kai atliksite visus penkis žingsnius,  „HeavyFinance” svetainėje spauskite mygtuką „Susieti paskyrą su „Paysera”.

„HeavyFinance” platformoje gali investuoti tiek fiziniai tiek juridiniai asmenys. Kaip pradėti investuoti juridiniams asmenims galite rasti čia.

  1. Užsiregistruokite „HeavyFinance” svetainėje šiuo adresu.

  2. Užpildykite klausimyną.

  3. Susiekite „HeavyFinance” paskyrą su įmonės sąskaita elektroninių mokėjimų sistemoje „Paysera”.

    1. Jei turite įmonės sąskaitą mokėjimų sistemoje „Paysera”, spauskite mygtuką „Susieti paskyrą su „Paysera”. Tuomet jus automatiškai nukreipsime į  „Paysera” puslapį, kuriame prisijungę galėsite susieti savo sąskaitą su „HeavyFinance” paskyra.

    2. Jeigu neturite įmonės sąskaitos elektroninių mokėjimų sistemoje „Paysera”,  tai galite padaryti jums užtruks vos kelias minutes

      1. Pirmiausia, parsisiųskite „Paysera” programėlę į savo išmanųjį telefoną iš „Google Play” arba „App Store”.

      2. Atsidarę programėlę įrašykite savo telefono numerį ir slaptažodį. Tada SMS žinute gautą kodą suveskite į langą programėlėje.

      3. Patvirtinkite savo elektroninio pašto adresą, užpildyti kliento atpažinimo anketą ir patvirtinti savo tapatybę.

      4. Kad užbaigtumėte registraciją, patvirtinkite savo tapatybę mobiliuoju parašu, „Skype” skambučiu arba nuvykite į „Paysera” padalinį.

      5. Kaip susikurti įmonės sąskaitą galite pažiūrėti šiame video. https://youtu.be/HYDNnTPCvqc?t=172

      6. Kai atliksite visus penkis žingsnius,  „HeavyFinance” svetainėje spauskite mygtuką „Susieti paskyrą su „Paysera”.

  4. Pasirinkite projektą ir pradėkite uždirbti iki 14% siekiančią grąžą.

Sutelktinio finansavimo platformoje „HeavyFinance“ investuoti gali pilnamečiai fiziniai ir visi juridiniai asmenys. Svarbiausia prieš pradedant investuoti – Jūsų tapatybės patvirtinimas susiejant „HeavyFinance“ paskyrą su „Paysera“ banko sąskaita bei kitus reikalaujamus kliento pažinimo ir identifikacijos veiksmus.

Lietuvos rezidentams svarbi informacija

Jeigu investuojate kaip Fizinis asmuo, uždirbtos palūkanos priskiriamos B klasės pajamoms, kurias privalote deklaruoti ir nuo šių pajamų turite sumokėti 15% GPM (gyventojų pajamų mokestį).  Šį mokestį privalo susimokėti patys Lietuvos rezidentai nuo bendros per mokestinį laikotarpį gautos palūkanų sumos, kuri viršija 500 €, t.y. kai bendra per mokestinį laikotarpį gauta palūkanų suma suma viršija 500 Eur, tai 15% tarifu apmokestinama 500 Eur viršijanti suma.

Mokant netesybas/delspinigius Lietuvos „HeavyFinance“ išskaičiuos ir sumokės į VMI biudžetą už juos 15% GPM.

Užsienio valstybių rezidentams svarbi informacija

Užsienio valstybių rezidentams fiziniams asmenims išmokamos palūkanos priskiriamos A klasės pajamoms ir už jas gyventojų pajamų mokestį (GPM) išskaičiuos ir sumokės „HeavyFinance“. Dėl šios priežasties užsienio valstybių rezidentams, prieš išmokant palūkanas, automatiškai bus nuskaičiuojamas 15% gyventojų pajamų mokestis, kuris bus pervedamas į Valstybinę mokesčių inspekciją (VMI).

Mokant netesybas/delspinigius užsienio valstybių rezidentams, neprivalo išskaičiuoti jokio GPM.

Jeigu prie projekto esančiame paskolos grafike nenurodyta kitaip, palūkanos jums mokamos kiekvieną mėnesį, o pagrindinė investuota suma sugrįžta projektui pasibaigus (prie kiekvieno projekto nurodyta jo trukmė – 12, 24 mėn. ar kt.).

Tokiu atveju jeigu nesurenkama visa siekiama sufinansuoti suma, surinktos lėšos gražinamos investuotojams.

Tačiau, Operatorius pasilieka teisę pasiūlyti projekto savininkui sumažinti siekiamą surinkti sumą. Projekto savininkui sutikus, gali būti laikoma, kad Projektas sėkmingai sufinansuotas surinkus ir mažesnę nei pirminė siekiama sufinansuoti suma.

Visais atvejais sumažinant siekiamą surinkti sumą užtikrinama kad:

  • Siekiama sufinansuoti nebus sumažinama daugiau nei 25% nuo pirminės siekiamos surinkti sumos;
  • Sumažinus siekiamą sufinansuoti sumą apie tai paskelbiama “HeavyFinance” platformoje ir informuojami visi projekto finansuotojai.

Į vieną sutelktinio finansavimo projektą „HeavyFinance“ platformoje galite investuoti nuo 100 Eur. Maksimali investicijos suma bei finansuojamų projektų kiekis nėra ribojami.

Prisijungę prie savo „HeavyFinance“ paskyros galite matyti, kiek pinigų turite „Paysera“ sąskaitoje. Ši sąskaita – atsiskaitomoji: iš jos galima atlikti pavedimus, galima atsiskaityti su turima „Paysera Visa“ kortele ar išgryninti sąskaitoje turimus pinigus.

Palūkanos nuo paskolos sumos skaičiuojamos nuo tos dienos (imtinai), kurią Paskolos suma yra išmokama į paskolos gavėjo sąskaitą.

Priklausomai nuo projekto gali būti imamasi įvairių priemonių užtikrinti paskolos saugumą. Kelios iš tokių priemonių:

  • Pirminis turto įkeitimas;
  • Transporto priemonės valdytojų civilinės atsakomybės ir KASKO draudimas;
  • Kitos priemonės.

Prie kiekvieno sutelktinio finansavimo projekto pateikiamas LTV rodiklis rodo paskolos dydžio ir įkeičiamo turto vertės santykį. Kuo rodiklis mažesnis, tuo mažesnė yra ir investuotojo rizika, nes paskolos negrąžinimo atveju parduodamo turto vertė tada yra didesnė už pačią paskolą. Taip pat mažesnis LTV rodiklis reiškia mažesnę riziką, jog krizės atveju sumažėjus turto kainoms grįš ne visi investuoti pinigai.

Paskolos gavėjui nevykdant finansinių įsipareigojimų HeavyFinance kreipiasi į Notarų biurą prašydama išduoti vykdomąjiį raštą turto perėmimui. Gavus vykdomąjį raštą kreipiamasi į antstolių biurą su tikslu perimti ir parduoti turtą varžytinėse. Varžytinėse už parduotą sunkiąją techniką gauta suma išmokama investuotojams. Esant situacijai, kuomet parduoto turto nepakanka padengti investuotai sumai, išieškojimas nukreipiamas į besiskolinantį asmenį.

First of all, to see all the details about each project and to be able to start investing, you have to create an account on HeavyFinance and link it to your Paysera account.

If you don’t have a Paysera account yet, don’t worry, you can start with creating a HeavyFinance account and follow an easy process of becoming a registered investor with a Paysera account.

For now, investing in HeavyFinance projects can only be done while using Paysera. We will soon introduce another operator, which will make investing process easier.

kol kas į „HeavyFinance“ projektus galima investuoti tik naudojant „Paysera“ . Tiesa, greitu metu pradėsime bendradarbiauti su kitu operatoriumi, per kurį investuotojams investuoti bus paprasčiau.

Historically, agriculture represents one of the safest asset classes and it boasts one of the lowest default rates of any economic activity. Therefore, HeavyFinance strategically picked this sector to present its investors with safe investment opportunities.

However, we would like to stress that investing in HeavyFinance still involves risks, so please do it wisely.

We fund any project related to the farming activity, from the purchase of equipment and land to working capital, as long as they are securitized by assets according to our risk assessment standards.

As a registered HeavyFinance investor, you can invest in any project listed on our platform with no restrictions on region.

Heavy finance offers an easy process for safe and high-yield investments. First, we find the right projects and present them to you with the relevant backstories, context and comprehensive risk assessments, to effectively optimize your time when picking your investments. Second, you can have peace of mind knowing that we offer loans in an economic sector with a very low rate of expected defaults. And third, we offer well above market returns when compared to other similar financial products in the market.

Depending on the risk level of the projects that you opt to choose to invest in, you can benefit from 8% to 14% of yearly return.

Not only can you choose the projects with higher ROI, but you can also benefit from our referral program and bonus cashback to increase your earning. To benefit from the referral program, log in to your HeavyFinance account, go to Menu > Profile > Referral and then simply copy the referral link available or enter any number of email addresses of people that you want to invite to our platform.

To benefit from the cashback bonus, stay tuned to our newsletter and announcements to know when we launch cashback campaigns, so make sure to subscribe to our newsletter and follow us on Facebook and LinkedIn.

Agriculture is a vital activity sector, almost all that you eat is generated in this sector and that is not posed to change anytime soon. This strategic importance is recognized by all levels of government that heavily subsidize it in “developed countries” to ensure that it has a constant production and workforce, still in large part passed down father to son. This makes it a sector with a high level of stability and with assets at its disposal (such as land and equipment) while being at the same time cash-intensive.

This is substantiated by the European Commission and European Investment Bank that highlighted the agricultural sector as having a high level of solidity (adjusted equity/total capital) and low level of default risk, therefore considering it a good portfolio investment. Read more about finance in agriculture in the Fi-Compass report “Financial needs in the agriculture and agri-food sectors in the European Union

Keep in mind that it also presents specific risks just like any other. General characteristics of the sector include fluctuating profit margins and cash flow, animal diseases, climate, and weather-related fluctuations.

HeavyFinance requires project owners to provide financial information regarding the results of previous years and their present financial situation. This information is sustained by official documents as Company activity information or business registration, Tax returns, PnL, etc. As well as collateral to cover the required loan-to-value ratio.

Every farmer is evaluated based on his or her experience in the sector and the historical results of the farm. The risk modeling consists of various inputs, such as income, liabilities, debt history, net revenue, equity, assets, LTV, and the change in certain ratios throughout the time. The LTV is a minor input, in the sense that the risk model predicts the borrower’s ability to repay the loan without the liquidation of the assets pledged.

Your investments are protected by securitized collaterals that back each loan. These collaterals are in turn protected by the specific regulations on each jurisdiction and the enforcement of such regulations towards the liquidation of the collateral to recoup the amount lent.

Our investors are presented with a risk rating A+, A, B, C, or D (where D is considered too risky to publish on our platform). This rating is calculated by factoring all required data on HeavyFinance’s own risk assessment model. On top of this rating, we recommend all our investors go through all the available data to have a full understanding of the loan project.

Every investment carries risks. Although HeavyFinance works with a low risk sector and asset class, we are also bound to have a percentage of defaulted loans. Taking into account all the measures undergone to ensure guarantees and securitize the collaterals, within the pool of defaulted loans, there will be only a small probability of losing an entire investment.

The key considerations to have in mind before investing are

  • Make sure you invest within your financial capacity and that you can endure the predictable timeframe of the payout.
  • Understand your risk tolerance, and do the due diligence on each investment with the information available to have a personal grasp of its context and risk.
  • Avoid concentration risks by diversifying your project portfolio. This will also dilute the individual risk of each investment and better tolerance to the adversity of losing your funds partially or in total on an investment.

Whether you prefer an analytical or an intuitive approach, the first step is to go through the available information thoroughly. One of the key tasks of our team at HeavyFinance is to gather, assess and prepare all necessary information so that you can make an informed decision. You can easily find the context and the key information of each project, such as LTV, interest rate, pledged assets, financial performance, etc… to help you evaluate risk and ROI.

After the loan is fully financed, we start collecting final documents from the borrower to fulfill all the obligations to secure the loan.

It might take some time, as we need to deal with several institutions. Therefore, the interest starts accruing 16 days after the project is fully financed even if the money collected is not yet paid to the borrower.

If the borrower manages to provide all the documents earlier, the interest is accrued from the day when the documents are confirmed with HeavyFinance.

The agricultural sector is heavily related to seasonality and the monthly income is different depending on the time of the year and weather conditions. The unstable financial situation sometimes causes delays in interest payments.

However, your money is still protected with all the measures taken from the beginning. Furthermore, the borrower pays a 0,1% daily delay fee of the installment that is late to the investors. You can get more information in the Fees section.

Yes, registration and investing in HeavyFinance are totally free of charge. The only fee applied to investors is for selling your investments on the Secondary Market (1% from the nominal value of the transferred right of claim). You can read more about fees in our Service Fees section.

You can top up your Paysera account using several ways. All of them are described here.

HeavyFinance must implement the measures for the prevention of money laundering and terrorist financing established by the legal acts, therefore, before establishing the business relationship, the identity of each user has to be authenticated. Therefore, HeavyFinance is obliged to ask investors to prove their income source to be able to invest in the projects on the platform.

There are no additional fees for the investors. However, if you are selling your investment on the secondary market a one-time fee per transfer of the right of claim applies. The amount of the fee is 1% of the nominal value of the transferred right of claim.

First of all, to see all the details about each project and to be able to start investing, you have to create an account on HeavyFinance and link it to your Paysera account.

If you don’t have a Paysera account yet, don’t worry, you can start with creating a HeavyFinance account and follow an easy process of becoming a registered investor with a Paysera account.

All available projects can be found on the projects page. There you can read all the provided information about projects after pressing on one of them. When you decide to make an investment, press the Invest button, select the desired amount (make sure that you have sufficient balance), read general terms and press Go to Payment. You will be directed to your Paysera account, where you have to confirm the payment. After the confirmation process, you will successfully become one of the project investors.

Once your investment is paid back to your Paysera account, you can withdraw your money. If you are not willing to wait till the borrower pays back the money according to the schedule, you can sell your investments on the Secondary Market and then withdraw the money.

All the necessary information is provided on your profile. To find it, log in to your account and go to My profile, which is on the top right corner under your initials.

You will start earning money with the first interest payments from the project owner. The interest is started to be calculated after the loan is paid for by the project owner or 16 working days have passed after the loan was fully financed. You can track the upcoming payments on your profile.

A borrower is contractually allowed to repay a loan at any time without penalties after 4 months from the start of the loan period. If the borrower decided to repay the loan sooner, the interest for four months has to be paid to investors.

The project owner or borrower is not allowed to extend the loan repayment period.

In the case that a borrower is late in paying the loan, he is charged with a penalty of 0,1% daily interest on the late amount. Please find more information in our Fees section.

Yes, you are able to sell your investment through the HeavyFinance secondary market. After logging in to your account go to My Profile and choose, which investment you would like to sell. As the seller of your investment, you are able to offer a price, which can be equal to the nominal value of the invested amount or differ from it (i.e. be higher or lower).

More information about secondary market rules can be found there.

All Heavy finance loans are securitized by a guarantee or collateral. The LTV (or loan to value) is the ratio between the amount to be lent and the value of the collateral presented. If a project shows a 70% LTV, it means that the borrower is asking for a loan worth 70% the value of the collateral he pledged (i.e: asks for 70.000 loans when pledging a land worth 100.000)

A passport or ID card and a filled-in Know Your Customer questionnaire are required for identification. The document can be submitted by logging in to your Paysera account via a computer with a camera or via the Paysera app. Details about the identification process can be found here.

Paysera will confirm your identity within 4 working hours.

In this case, please contact Paysera customer service and their specialist will help you with the identification process. You can message them here or call the number provided here.

If you did not receive a reset link, e-mail us at info@heavyfinance.com and we will send it to you.

On your personal HeavyFinance profile you see your amount available on your Paysera account. This is a settlement account and operates according to the same principles as the bank accounts: it can be used to make transfers, payments with the available Paysera Visa card, or you can withdraw the available funds.

The HeavyFinance platform has no direct access to your funds. They are available on your personal Paysera account. However, linking the accounts allows you to see the amount available on your Paysera account as the balance on the HeavyFinance platform. The balance displayed is your Paysera account balance, which you have linked with HeavyFinance.

After logging into your personal HeavyFinance account, go to My profile. There you will find the summary of projects you have invested in.

You can see all the information needed considering your investments.

The interest is accrued from the date of disbursement of the loan to the project owner (borrower). If the loan amount is not paid to the project owner within 16 working days, the interest starts to be calculated after this period (16 working days) whether it was paid to the borrower or not.

The interest rate indicated next to each HeavyFinance project is an annual rate. For example, if you invest 1.000 € in a project with a 12 percent annual rate of return, then each month’s interest will comprise 10 € =(1000 €) x (12/12/100).

Sometimes technical problems occur in the investment process causing the cancellation of your investment. But don’t worry, your money is still safe with you.

Lack of funds in the account

Before making an investment, always check if you have enough money in your Paysera account. Instructions on how to top up your Paysera account can be found here.

Paysera limits

If you have encountered Paysera transfer limits, we provide instructions on how to raise the limits.

To change the limits, log in to your Paysera account and select Settings, Limits, Rights, Authorizations from the left menu. In the window that opens, click on Account credentials and payment limits. Then, enter edit mode and adjust the existing limits to what you need.

Please note that the new limits take effect after 12 hours.

Technical Problems

If you can’t invest – try another device and / or browser. If it does not help to solve the problem, it can be a lag in Paysera, which usually does not take more than an hour to be solved. If the problem persists – contact us by email: info@heavyfinance.com

Usually, the bonus is paid at the beginning of next month after your investment. The amount of your bonus received will be transferred to your Paysera account.

The HeavyFinance bonus system calculates the percentage from your investment. F.e. if you have invested 1000 EUR with 1% bonus, you will receive a 10 EUR back to your account. Important note: the percentage is NOT added to the interest rate, it is calculated from your investment amount.

Usually, the bonus is paid at the beginning of next month after your investment. The amount of your bonus received will be transferred to your Paysera account.

Interest paid to resident individuals is classified as Class A income and will be subject to personal income tax (PIT) deducted at the source and paid by HeavyFinance.

For this reason, foreign residents will automatically be charged 15% personal income tax at the time the interest is received, which will be transferred to the State Tax Inspectorate (STI).

Due to double-taxation agreements with the government of Lithuania, foreigners will have to settle the PIT equivalent tax difference on their countries of residence (pay the remaining or receive the excess).

When paying referral bonuses, cashback, and other gifts and bonuses to foreign residents, HeavyFinance will make no deductions and is the responsibility of each individual to declare it to their competent tax authority.

For Lithuanian residents

The interest earned is included in Class B income and is informed directly to the tax authority. This income must be declared and paid by Lithuanian residents themselves as 15% PIT (personal income tax) on the total amount of interest received during the tax period in excess of € 500. Simply put, when the total amount of interest received during the tax period exceeds EUR 500, the amount exceeding EUR 500 is taxed at the rate of 15%.

When paying referral bonus, cashback, and other gifts and bonuses to Lithuanian residents, HeavyFinance will deduct and pay 15% PIT to the State Tax Inspectorate (STI).

All companies and private investors are allowed to invest in HeavyFinance after opening an account on the electronic payment network Paysera.

Registering on HeavyFinance is not allowed only for residents of countries on the sanction list of the EU and the United Nations.

Regulation on European Crowdfunding Service Providers (ECSP) for business provides clear rules on information disclosures for investors as well as on governance and risk management for crowdfunding platforms.

The company is also regulated on the national level by The Bank of Lithuania as a crowdfunding platform operator. You can find all the related laws and regulations to our activities on the website of The Bank of Lithuania.

Investments through crowd-funding platforms are not subject to the insurance requirement of the Law on Insurance of Deposits and Liabilities to Investors of the Republic of Lithuania. However, your investment is secured by pledged assets (heavy equipment, land, receivables from the contract of sale) and additional warranties. The investments also can be protected by the partial (usually 80%) state guarantee for the specific projects such projects are signed by the special green mark.

The majority of HeavyFinance loans are secured by heavy machinery, land, or grain sales contracts, which values are not bigger than 70% of the loan amount. You can also invest in projects with the received individual state guarantee, which in most cases guarantees 80% of the repayment of the outstanding credits. Besides, we sometimes list loans up to 10.000 €, which are only backed by sole accountability. When compared to loans secured by first-rank collateral, these loans have a 2% higher interest rate.

If you want to change communication language or notification settings, press your initials on the top corners > My account > Profile.

If you want to change communication language, press your initials on the top corners > My account > Profile > Communication language.

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