Tu LTV debe mantenerse en 70% o menos. Si se acerca al 80%, te avisaremos. Pero oye, aún tienes el control: puedes pagar parte del préstamo, agregar más garantía o saldarlo completamente. Pero si alcanza el 90% – cerraremos tu préstamo y liquidaremos tu garantía.
Aquí no se realizan verificaciones tradicionales de crédito. Tu garantía cripto es todo lo que necesitamos. Si no puedes pagar, no te preocupes – no afectará tu historial crediticio.
Nuestro negocio está legalmente registrado y cumple con las actuales regulaciones checas para ofrecer servicios relacionados con activos virtuales (VASP), licencia: Ref. No. UMCP1 055661/2022.
Yes, you can use your e-commerce claim as collateral, but this option is only available for Fixed Earn Projects.
Both private individuals and legal entities can apply for asset-backed loans.
We accept EUR-denominated assets and e-commerce loan claims as collateral.
The Loan-to-Value (LTV) ratio represents the percentage of the loan amount compared to the value of the collateral. Different e-commerce loan funds may have different LTV ratios, so please check our platform for specific details. Example: Got €10 000 in e-commerce? With a 70% LTV, we’ll instantly unlock €7 000 for you. Simple as that.
The interest rates range from 11% to 15% per year, depending on the Loan-to-Value (LTV) ratio. For an LTV of 20%, the interest rate is 11%. At 50% LTV, the rate increases to 13%, and at 70% LTV, the rate is 15%.
Our repayment terms are flexible and designed to suit your needs. Each E-commerce loan comes with clear and transparent terms provided upfront, ensuring you know exactly what to expect. In general, you pay interest on a monthly basis, with the principal due as a lump sum at the end of the loan term. However, if you prefer to repay the principal in monthly installments, that option is also available.
To repay a loan, log in to your FinForta account, locate the loan under "My Investments" or "Loan Overview", check the repayment terms, make the transfer via bank transfer or e-commerce loan fund wallet using the provided details, include the reference code, and monitor your account to verify the repayment has been processed.