New niche-oriented platforms emerge: housers
There are more and more crowdlending platforms in our country, and many of them are specialising in niche markets. Capital cell the first European crowdfunding platform oriented to biotechnology, today it is the turn of Housers, first crowdfunding platform real estate, which connects investors with developers to achieve a product that offers a good return and moderate risk in the purchase of real estate.
The minimum amount of investment in the participation of the purchase of housing, premises and industrial buildings is set at 500 euros. Housers has already adapted its systems to set the investment limits indicated by the new law of crowdfunding3,000 per project and a maximum of ¤10,000 invested in a 12-month period on the platform, while accredited investors have no limits.
In addition, the platform facilitates the diversification of your investment in different properties. In this way, the risks are minimised, as opposed to the traditional formula where a large amount of capital is invested in a single property.
Crowdlending platforms sign agreements with organisations: MytipleA
In Spain too, agreements are beginning to be signed between platforms and different bodies.
This September, the Federation of Business Organisations of Soria (FOES) and crowdlending platform Mytriple Alocated in Soria, have signed an agreement offering "alternative and bank-free" financing to Soria-based companies associated with FOES.
The platform will offer a discount of 10 % on the initial advisory fee to all Soria entrepreneurs associated with FOES interested in receiving financing.
In addition, the loans are free of cancellation fees for partial or total cancellation, and can be applied for free and online 24 hours a day, seven days a week, without having to travel.
Zencap raises €230m from Victory Park Capital, of which €50m will go to Spanish market
Victory Park Capital will invest €230 million over 3 years in loans published on Zencap's online platform. Of this amount, more than €50 million will be allocated to the Spanish market. The two firms have teamed up to provide small and medium-sized enterprises (SMEs) in Spain, Germany and the Netherlands with efficient, fast and easy access to capital. Zencap is the fastest growing private-to-business online lending platform in continental Europe, enabling SMEs to access loans between €5,000 and €250,000.
Zencap has 10 professionals in Spain, 1,950 registered investors and has disbursed loans worth €4.1 million to 75 SMEs since May 2014.
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