Frequently Asked Questions

What does it cost to invest on

There are two ways of investing on Spreds: by investing in 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 (but brut of the withholding tax).

For investing in the equity of a startup via Spreds' platform, Spreds Finance S.A. will charge a 5% fee on each investment.

Investments made through our Tracers will be subject to a subscription fee of 4% (instead of 5%). The subscription to a Tracer costs €100.

On very successful equity investments, a performance fee will be withheld from the capital gain realised. This aligns 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 capitalized return of at least 5% per year has been realised by the investor and is applied to the amount subscribed. Spreds Finance S.A. will then retain 20% of the amount of the capital gain in excess of the 5% capitalised annual return (indicated as the Priority Amount in the KIIS).