Investing in successful top companies is easy
Register quickly and free of charge
Your Finnest registration takes less than 1 minute
Select your preferred interest rate with just one click
You alone decide how high your annual interest should be and with the
maximum interest principle, you might even get more.
Sit back and start earning money
Your contract is created automatically, your investment is debited once by direct debit, your interest is transferred on time
Transparency for everyone involved is essential for the success of a crowd investing campaign. Here you will find our answers
to the most frequently asked questions and a summary of all the important information about Finnest in one place.
What is Finnest?
Finnest is a modern crowdinvesting platform. Founded in 2014 by a team of experienced banking and online experts, Finnest
will soon be able to offer crowdinvesting across Europe thanks to the recent merger with the Nordic market leader Invesdor.com.
Together - Finnest and Invesdor (the Invesdor Group) - are now one of the leading providers in Europe in this market. We have
worked long and hard to optimize crowdinvesting for our customers so that everything is as simple, fast and highly secure
Why do so many investors invest money through Finnest?
The reasons why thousands of Finnest investors invest differ of course. While some invest in a company due to personal interest,
others are interested in supporting the further development of local medium-sized companies - after all, they pay their taxes
here, create jobs and invest regionally.
Other investors are dissatisfied with current interest rates offered on their savings and appreciate the attractive annual
fixed interest rates. Some might also be loyal customers to one of the companies listed on Finnest and enjoy being able to
choose voucher options as interest payments because they can acquire products and services at a discounted rate from their
favorite companies. We very often find that investors are motivated to invest for several of the reasons mentioned above. What are the advantages of signing up?
Signing up is quick (takes less than a minute), costs nothing and has many advantages; registered users have full access to
Finnest. You simply enter your name, address, your email address and a password of your choice. You can then get a more in-depth
impression of all of the companies presented on Finnest.
Registered users can view documents and information that are legally required as well as any additional documents provided
by the companies such as clear summaries, current independent credit ratings, business plans, and much more. What type of companies can I find on Finnest?
On Finnest you will only find successful medium-sized companies with good or very good credit ratings. Each company has an
annual turnover of at least EUR 10 million and has been successfully operating in its market for at least 10 years. Many are
market or innovation leaders in their field. Our experienced team only selects companies that have a promising future reflected
through constant, long-term growth, sufficient equity capital, sustainable EBITDA results, a sustainable business model as
well as a stable ownership structure and a suitable management team for the company. Important: With as much thoroughness
as we practice, Finnest cannot verify the accuracy of the information provided to us. Similarly, our pre-selection is not
to be understood as investment advice or as an investment recommendation.
Why do successful companies finance themselves through Finnest?
Companies use the so-called mezzanine capital offered on Finnest as an innovative part of their financing mix. This long-term,
unsecured and fixed-interest financing strengthens their balance sheet structure. Also, crowd investing provides completely
new opportunities for customer acquisition and customer loyalty. The marketing effects, which are associated with large crowd
investments, often bring new investors who can go from being pure investment driven to becoming loyal customers. No bank loan
out there can create this type of customer relationship and customer proximity.
How do you invest on Finnest?
Only at Finnest can you choose your desired interest rate simply and freely. Here's how it works: There are two sliders. Pull
the first one up to the amount you want to invest. The minimum amount is usually 1,000 Euros. The maximum amount you can invest
is set by law and varies from country to country. Finnest will automatically set this up for you. On average, investors on
Finnest invest around 7,500 Euros per campaign.
Use the second slider to set your desired interest rate. The company you are interested in specifies a range of fixed interest
payments annually, to which it is committed; for example from 3.00% to 7.00%. If using this example you wish to have 4.50%
interest yearly, simply slide the slider to 4.50%. When determining their preferred interest rate, investors pursue very different “strategies”. Some want to multiply their
rather lean savings account interest rates. Others always expect 3% yet others set their desired interest rate according to
the company's balance sheet. What is the interest rate? What is the maximum interest rate principle?
On average, Finnest investors receive 5% fixed interest every year. No savings account can offer those kind of interest rates.
Since most investments run for five years, your 10,000 euros will become 12,500 euros after five years.
You can easily set your desired interest rate with the slider. The company you are interested in specifies a range: for example
from 3.00% to 7.00%. If you want to get a 4.50% interest rate annually for your money, just slide the slider to 4.50%. Many
other investors will do so around the same time as you. Once the campaign is completed, the company selects a single interest
rate at which it will loan the money. The Finnest maximum interest rate principle, means: that not only those who chose the higher interest rate will get the interest
rate the company has determined - but everyone else will too, even if you have selected a lower interest rate. Meaning: all
you can do is win. Either you get more than you asked for or the exact rate you wanted. If you have chosen a higher interest
rate than the company selects, then no contract will be put in place this time around and you can choose another investment
campaign. Please note: in rare exceptional cases, companies reserve the right to reject loan bids even if they include the selected
interest rate. Also, companies may refuse loan offers to comply with the statutory thresholds if the threshold would otherwise
be exceeded. What is interest paid in vouchers?
With some Finnest campaigns, you can choose whether you want to transfer the annual interest directly to the account, or whether
you prefer to receive vouchers for goods or services of the company every year
The advantage of interest paid out in vouchers is that most companies offer this with an additional “bonus”: If, for example,
you were to receive 4% money interest and instead choose interest paid in vouchers, you would often receive 6% interest (=
50% bonus). Instead of, for example, 400 euros in the account, there are vouchers worth 600 euros for investors every year. If a company offers cash or interest paid in vouchers, you can use our interest calculator and see at a glance how much you
will earn each year and over the entire term of your investment with each variant. What is a subordinated loan?
As required by law, companies are offered so-called qualified subordinated loans. According to the legal regulations, all
loans arranged through Finnest contain a so-called qualified subordinate. This means that investors are not entitled to payment
of interest or repayment of the amount invested, provided that and as long as the company has negative equity or that this
would cause the company to become insolvent. If insolvency proceedings are opened against the company's assets during the
term of the loan, you will only receive your interest and the amount invested after all other creditors whose claims are not
subordinated have been serviced. You must be aware that in the worst case this can result in the total loss of your investment.
Therefore, before making any investment, please make sure you evaluate how likely the risk of bankruptcy for this company
during the term of your loan. The many documents you can view as a registered user for each company will support you here.
And in any case, only invest the amount that you can afford in the event of a total failure. You will also find important
legal information at Finnest in many places:
The acquisition of this investment involves considerable risks and can lead to the complete loss of the invested assets. Can companies also invest money as investors?
Yes of course. Legislation also allows "legal entities" to take advantage of crowd investing. If you want to invest as a representative
of a "company" (in Austria and Switzerland) or a "partnership" (in Germany), simply select the appropriate option in your
profile. If you act as a representative of a corporation, it is just as easy. In this case, please contact us at
. Please note: Finnest only requests data for the profile which is necessary for legal or procedural reasons. This data is highly
protected technically and can only be viewed by you and Finnest. We treat your data confidentially and will never pass it
on without permission or use it for purposes other than for the financing arrangement or the provision and optimization of
the services provided by Finnest for investors and companies. Is my contract valid without a signature?
Yes. In "legal" terms: The contract becomes valid upon receipt of the declaration of acceptance. As soon as the company has
selected a interest rate for all investors (see “
The maximum interest rate principle”), Finnest inserts the data of the two contracting parties (investors and companies) as well as the agreed terms such as
the loan amount and interest rate in the template subordinated loan agreement. Then, Finnest (as the so-called intermediary
of the company) sends the company's declaration of acceptance to all investors whose offers have been accepted. Your contract
is concluded when you receive this declaration of acceptance in your e-mail inbox. A manual signature is not required. Your personal contract (and all other documents and information on this system) is available to you at any given time of day
for inspection and download on Finnest under "My Portfolio". Where can I see when my interest will be issued to me?
You can view all of your documentation and information about your investment in your personal "My Portfolio" area, which is
available for inspection and download at any given time of day.
You can also see at a glance how much interest you have already earned, when the next interest payment is due and how high
it will be. There is also a detailed interest rate calculator. What payments and costs can I expect?
There are no hidden costs at Finnest. You will only pay a one-off payment of 1% of the investment if it is successfully accepted.
Registering, obtaining information and having a look around Finnest doesn’t cost anything.
If you successfully enter a loan contract - and only then - you will pay 1% of the loan amount to Finnest, however, you will
pay at least 25 euros. So, for example, if you invest € 8,000 in a company and the company accepts your loan, you pay a one-off
€80 Finnest fee. That’s it. If a company accepts your loan, the company will collect your loan amount directly and one time only from your account via
SEPA direct debit. There are no cash flows via Finnest, the contractual and payment relationship exists directly between you
and the company. (Finnest is “only” the mediation platform and does not process payments in the subordinated loan relationship).
The money is collected at the earliest seven days after your offer has been accepted. The company will also transfer your interest payments directly to your account. The interest payment dates are set in your
loan contract and can easily be viewed at any time under "My portfolio".