What does it cost me to invest in a project via Spreds?
There are two ways of investing on Spreds: by making a loan to an established company or by investing in the equity of high potential startups.
Investing in a loan to SME's is free of charge for investors. The interest rate shown on the platform is net of Spreds fees.
For investing in the equity of a startup via Spreds' platform, Spreds Finance S.A. will charge a 5% fee on each investment.
In addition, a performance fee will be withheld from the capital gain realised in the case of participations in the capital. This is in order to align both your interests and Spreds Finance S.A.'s interests during the follow-up of your investment.
This performance fee will be withheld only if a return of at least 5% per year has been realised by the investor, and is applied to the amount subscribed. In this case, Spreds Finance S.A. will retain 20% of the amount of the capital gain in excess of the 5% return per year (indicated as the Priority Amount in the Prospectus).