Lending
Businesses ask to borrow and set out what they do, what the money is for, what secures it and what they will pay. You decide which ones, and how much of each.
Main risk — If a business does not repay, recovery can take time and is not certain. Lending is not covered by any deposit-guarantee scheme; it is covered by Investfora's own Lending Guarantee up to €100,000 per client per year — a promise from the firm, set out at /lending-guarantee.
- Read what each business does and what secures the loan
- Fund part of a loan or all of it
- Follow what you have lent and what it has earned
How a business gets onto Investfora.
Investfora decides, not a form
No business puts itself on the platform — Investfora decides what is listed, and only the loans it approves go up.
Every listing shows the same things
What the business does, what the money is for, what secures the loan, the credit grade Investfora assigned, the rate and the term. If a listing cannot answer those, it does not go up.
Selection is judgement, not a promise
The grade, A to E, is Investfora’s confidence in repayment — a higher rate is the price of a weaker grade, not a bonus. Behind that judgement stands the Lending Guarantee — our own promise, not a government scheme — covering your capital up to €100,000 per client, per year. Full terms in the guarantee document.
The repayment schedule, month by month.
A level monthly payment (annuity): each month pays the interest on the outstanding balance first and the rest reduces the principal. Works for a loan you make or one you take.
Payment = P × i ÷ (1 − (1 + i)−n), with i the monthly rate (annual ÷ 12) and n the number of months. For a loan you make, the interest column is the income you would receive if every payment arrives — repayment is never guaranteed.
Amortisation schedule
| Month | Payment | Interest | Principal | Balance after |
|---|---|---|---|---|
| 1 | €304.22 | €50.00 | €254.22 | €9,745.78 |
| 2 | €304.22 | €48.73 | €255.49 | €9,490.29 |
| 3 | €304.22 | €47.45 | €256.77 | €9,233.52 |
| 4 | €304.22 | €46.17 | €258.05 | €8,975.47 |
| 5 | €304.22 | €44.88 | €259.34 | €8,716.13 |
| 6 | €304.22 | €43.58 | €260.64 | €8,455.49 |
| 7 | €304.22 | €42.28 | €261.94 | €8,193.55 |
| 8 | €304.22 | €40.97 | €263.25 | €7,930.30 |
| 9 | €304.22 | €39.65 | €264.57 | €7,665.73 |
| 10 | €304.22 | €38.33 | €265.89 | €7,399.84 |
| 11 | €304.22 | €37.00 | €267.22 | €7,132.62 |
| 12 | €304.22 | €35.66 | €268.56 | €6,864.06 |
Showing the first 12 of 36 months.
Choose who you lend to.
Read what each business does, fund the ones you choose, and follow every repayment as it arrives.
Nothing on this page is an offer, recommendation or forecast. Market prices are delayed public data from third-party providers and are not dealing prices. Capital at risk.