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 under the ‘My investments’ section.
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.).
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).
The key considerations to have in mind before investing are:
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 …
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 …
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.
All HeavyFinance 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 …
What does the LTV (Loan-to-Value) indicator next to the projects mean? Read More »
How is the risk of agricultural projects assessed? Every farmer is evaluated based on his or her experience in the sector and the historical results of the farm. 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 …
What is the basis for the risk assessment of project owners? Read More »
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 …
Carbon credits may be issued through Verified Carbon Standard project 4201 for greenhouse gas removals and reductions associated with HeavyFinance’s Carbon Farming Program.
The operator of the Platform bears no responsibility for the losses suffered by investors when investing through the Platform and does not guarantee that the project owners shall perform their obligations properly.
HeavyFinance, UAB
Gedimino pr. 27, LT-01104 Vilnius
Company code: 305576227
