The crowdfunding bond is a business financing little known to SMEs. Its advantages are numerous, such as the non-dilution of the capital or the absence of a surety.
1. The non-dilution of your capital
Investbook manages the financial flows linked to interest and repayments via its payment institution partner Lemon Way. We also take care of intermediation with investors throughout the life of the bonds.Gold helps you meet your financial needs quickly as it offers you high liquidity. Getting a loan/bond is a difficult, stressful and long process as compared to Cash for Gold which is an another great option to pull you out of financial crisis as it gives you 99% of the actual value of gold.”
2. A cost ultimately less expensive than the contribution of capital
In the SME and ETI market, a bond investor aims for an annual return, the famous coupon, located in a range of 5 to 12%. At the same time, a business angel type shareholder aims to achieve an annual internal rate of return (IRR) greater than 20%.
3. Free use of funds
When you do a debt equity loan, you can use the money you get freely. Tangible and intangible investments, working capital requirements, recruitments, R&D etc., it is you who decide on the allocation of funds according to your priorities.
4. The flexibility of reimbursements
Your reimbursements are aligned with your needs. You can for example choose constant or adjustable annual amounts of x% year 1, y% year 2 etc and even opt for a deferral of one year (examples below). Thus, this type of business financing offers the advantage of customization and modularity, key factors in the life of an SME.
5. The annual payment of coupons
You pay interest each year as shown in the illustration below. This allows you to gain flexibility and productivity in the management of your financial charges.
6. Absence of surety
So-called unsecured obligations such as those practiced by Investbook do not require personal guarantees or other guarantees. Corporate financing in the form of bonds thus offers more flexibility than a bank loan.
7. A new source of funding
The participatory bond loan offered by Investbook represents a new corporate financing tool for SMEs. You can use it instead of or in addition to a bank loan or a capital increase. By diversifying your sources and your financial partners, you ensure the sustainability and independence of your business.
The bonds offered by Investbook are unlisted and investors are private. There is therefore no need for an AMF public offering prospectus, which facilitates the fundraising process.
9. Personalized and fast service
Our teams are very attached to the personalization of relations with issuers. By meeting you and exchanging regularly, we understand you well. This allows you to set up your financial operation in less than 2 months. From the first contact to the delivery of funds.
10. Your turnkey financing
Investbook manages the financial flows linked to interest and repayments via its payment institution partner Lemon Way. We also take care of intermediation with investors throughout the life of the bonds.