BOLDYIELD is a peer-to-business crowdfunding platform, which allows everyone (individuals and institutions) to invest in high-quality real estate and cash-flow projects that are secured by collateral.
Crowdfunding (CF) is the practice of raising funds for business development through the online platform from a large number of people. Crowdfunding becomes more and more popular for companies worldwide as a way of raising capital because it allows companies to reach funding easily and anyone to invest in selected businesses, industries, and regions.
If you are a company that requires funds for the development and are ready to secure the loan, submit your offer to the platform and we will evaluate it, assign an overall risk level, and put it on the platform if it meets the requirements and we consider your project as safe. If you are an investor, you sign-up, login, get verified, and invest. When the project is finished you receive back your principal plus interest earned.
Our focus is on real estate and cash-ﬂow business ﬁnancing. In future we plan to open the opportunity for the Investors to invest in the alternative investment funds and provide other type of projects.
The status "open" means that at this moment the project is in the process of funding and it is possible to invest in the particular project.
For Investors – the registration and use of our platform are free of charge. Our business model is based on providing intermediation services between Investors and Companies and all costs are imposed on Companies. More detailed fees can be viewed in our Pricing section.
No, the platform does not withhold any taxes on interest pay-outs to the investors. Please note that in most of the countries profits earned at Boldyield are subject to income tax. For more precise information we suggest you contact local tax advisors or revenue service.
Boldyield operations are regulated by general commercial legislation of the Republic of Estonia and the European Union (EU). Our operations will also be guided by the Regulation on European Crowdfunding Service Providers (ECSP), which entered into force in November 2021, but had 1 year transitional period which is now extended until 10 November 2023.
Regulation on European Crowdfunding Service Providers for Businesses (ECSP Regulation) was implemented to protect investors and to harmonise European Crowdfunding market. It came into force on 10 November 2021, however, it had a 1 year transitional period which is now extended until 10 November 2023. The main reason for transitional period extension was that local Financial market supervisors could not issue a licence for all market participants due to a delay of EC and ESMA to provide a guidance (technical standards) on ECSP Regulation, which could result in disruptions in the crowdfunding industry. I.e., the crowdfunding platforms should stop operations if the licence is not obtained until 10 November 2022.
BOLDYIELD from the start have been transparent and working on investor protection. We have been following ECSP Regulation implementation and most of the requirements we have already in place. Currently we have applied for the licence and are working together with FCMC (Financial market supervisor in Latvia) to meet all of the requirements of the ECSP Regulation and to obtain a licence. Based on the current progress we should obtain the licence until the end of 2022.
KYC or Know Your Customer is the process of BOLDYIELD verifying the identity of each registered user before full access to platform operations. It is based on the Anti-Money Laundering (AML) legal regulation in order to prevent potential risks of money laundering and terrorism financing. For the above-mentioned purposes, BOLDYIELD is obliged to require your passport or ID card and a utility bill or rent statement. Additionally, BOLDYIELD may ask for your source of income, address, date of birth, and other information that will allow the platform to comply with European Union (EU) laws and regulations. The verification process might take up to 3 business days. In case you have any questions, please do not hesitate to contact us via e-mail at [email protected]
During the process of user authorisation we work hard to avoid any misleading or even fraud situations with personal account data. For this reason, we save and fix all the information submitted on the day you receive verification approval. In order to change your account details please, contact us at [email protected]
Yes, according to our standard Loan Agreement the loan can be repaid sooner (1 month after reimbursement). In this situation, the interest is paid for the time the money was lent.
Any person which is 18 years or older, who has a European Economic Area bank account can make investments on our platform. Companies with a bank account within the European Union (EU) can also invest. Both individuals and companies should be fully accepted according to our KYC, AML/CTF risk policies prior to place an investment on the BOLDYIELD platform.
In case the minimum funding amount is not achieved within the funding period, the funds paid in by you will be refunded to your BOLDYIELD account. According to our standard Loan Agreement the Borrower can request to extend the funding period by 2 months.
Before project listing on the BOLDYIELD, the thorough review, including risk scoring is done by our professional team and only most reliable projects are accepted. In the period of active investment, BOLDYIELD ensures regular monitoring of borrower business activities and results, industry and market trends and consider, if any changes have taken place, what measures need to be taken. It should be noted that each project is secured by collateral, meaning that in worst case scenario, you will receive your money back when the collateral is realised. Investor protection will be improved by the implementation of the Regulation on European Crowdfunding Service Providers requirements. BOLDYIELD is already following most of the requirements.
Our professional team evaluates the project and its applicant, according to the risk level the points are assigned to several indicators in three categories: financial health, creditworthiness and company's record. According to the number of points obtained, the project is given an Overall risk rating from A-D, where A is the group of projects with the lowest risk. Projects with a risk rating D are not published on the platform. More information on risk scoring is available in the project description pages.
The minimum investment amount in BOLDYIELD projects is EUR 100. However, it can vary from project to project. Information in more detail is available in the description of each project.
With the calculator it is possible to determine the provisional return. The calculation is based on your preferred investment term, amount (EUR) and BOLDYIELD historical weighted average interest rate that includes all historical projects.
The weighted average interest rate is calculated based on the interest rate of each historical BOLDYIELD project that has been funded and the money borrowed (project weight). By giving weight (the importance) for each project’s interest rate, the total weighted average interest rate is calculated.
The return is a risk-adjusted interest of the invested capital. It is determined by our risk assessment that consists of three pillars – Company’s financial health, creditworthiness and history. The evaluation takes into account the project, market situation, the borrower, experience of the management of the borrower and other criteria.
The interest is calculated from the outstanding balance of the Loan Amount principal for each day from the disbursement date of the Loan Amount (included) up until the last day of the Loan Period (excluded). Interest calculation is based on the presumption of 365-days a year and the actual number of days a month.
You will receive return according to project details – interest is usually paid on a monthly or quarterly basis or at the end of the term. You will receive the principal at the end of the term, thus granting higher interest income.
The PIN code is your own 4-digit code that you input in your registration process. You can change it in "MY PROFILE" section.
Registered users can invite other people to join the BOLDYIELD investor group. To do this, press the "REFER A FRIEND" button in My profile -> Overview section. The referral registration link will get copied that your referred friend must use to register BOLDYIELD. After successful registration and validation both you and your invited Investor will receive a 0.5% bonus on each investment the referred friend makes over the next 3 months.
Anyone whose investments exceed €50,000 can become a VIP investor. More favourable conditions are arranged for VIP investors.
After successful verification of your identity, you will receive a notification and an e-mail with banking details and payment instructions. Please be sure to check banking transfer details before each transfer (in what section)
Depending on your bank, it usually takes 1-3 business days to process the money order and transfer the funds to your account. Please note that during national holidays there may be delays.
BOLDYIELD accepts only SEPA (Single Euro Payments Area) money transfers from bank accounts or payment providers in the European Economic Area (EEA) and Switzerland. If Your bank does not use SEPA transfers, please contact us to find the best way for You to transfer money to BOLDYIELD.
You can withdraw your non-invested funds at any time. Please note that your account should be successfully verified.
Your bank account should be verified first, therefore, to change it on the platform you need to deposit at least one (1) euro cent from the new bank account to your BOLDYIELD account. Please note, that the new bank account should belong to you.
No, you will not be charged by for withdrawals. However, your bank or other payment providers may charge additional fees for transfers. Please consult your bank or other payment providers for additional information.
It usually takes 1-3 business days to process the withdrawal and transfer the funds to a bank account in the EEA (European Economic Area). Withdrawals outside the EEA, may take a bit longer, depending on your bank. Please, note that during national holidays there may be delays.
A company that has a project linked to real estate or cash-flow and is able to secure the loan and passes our evaluation.
You need to submit a basic intro application form in our Offer section (under How it works), or you can send your application directly to [email protected] with the subject “Offer_project name”. We will review it and you will be notified of further updates from the team.
To get a loan the company, the project, the management and shareholders of the company must go through our evaluation process. The borrower must submit the documents needed, as well as have to be ready to secure the loan. The amount that can be borrowed is from 10 000 EUR, and the term is from 3 to 36 months. Once the project is accepted, an interest rate is assigned. The interest rate is adjusted to the risk level of the project and it is fixed throughout the loan period. You can apply for a loan in the "How it works" section or by writing to [email protected]
We charge a 2-6% fee on the project if it is funded and an annual administration fee? Penalty fees may be imposed if the terms of the agreement are not met. For pricing conditions in more detail please visit page “”