We help the companies for they can create value and profits for this society.

¿WHO IS APF CAPITAL?

• It´s a multinational from the fintech category that focus their principal activity in the investment training through their online platform, also in an offline way they maintain agreements with diverse financial entities and investment funds. Actually the company it´s on expansion phase at the principal financial markets from the 5 continents, with a growth forecast at 25 countries in the next 5 years, with 250 employees and an expected billing of 1 billion american Dollars.

¿WHAT IS THE ACTIVITY OF APF CAPITAL?

• Our management is the intermediation between investors, financial institutions and companies that need some capital.

¿WHAT WILL HAPPEN IF APF CAPITAL DECIDE TO CEASE THE ACTIVITY IN A CONCRETE MARKET?

• The company got contingency plans, for even if it happens the cease of the activity in new projects, the realized projects could continue their normal course until the end of them. Also all the funds are managed by an external company of electronic payment management that would be the employed supplier to provide this services.

¿WHAT WILL HAPPEN IF THE PAYMENTS SUPPLIER CEASE IT´S ACTIVITY?

• In that event, APF Capital would have the full support of another electronic payment provider for make the agreements follow the negotiated procedure without being affected the good operation of the platform.

¿WHAT IS THE DIFFERENCE BETWEEN CROWDFUNDING AND CROWLENDING?

• The crowfunding is a modality in whic the entrepreneur is ready to give up actions from it´s company, that is the one that the investors are expecting to obtain a return of investment by the distribution of the common fees, and capital gains obtained in the revaluation of shares. Neverthless in the modality of crowlending, the investors expect a devolution of the loan capital plus some established interests.

¿WHO CAN APPLY AS INVESTOR?

• Can apply for investors a person or an entity that follow the next requirements:
  • Having a valid bank account in a country of the European Union.
  • If it´s a phisical person it has to be older than 18 years, be resident at the European Union and have the legal capacity to engange and realice legal agreements.
  • If it´s a comercial Enterprise it has to be registered properly at the mercantile registry.
  • If it´s a foundation it shall be registered in the register of foundations.

¿WHAT I NEED FOR REGISTER AS AN INVESTOR?

• For being an investor in our platform, the registration must be online. We will need an identification document in rule (DNI, NIE, Passport), that can be attached from your private profile and some aditional documentation for verify your fiscal residence. You can extend the information about the requirements for the participation as investor in our terms and conditions section.

¿THERE ARE RESTRICTIONS IN THE INVESTMENTS?

• Yes, they are when you are not an accredited investor as a professional.

¿WHAT DOES IT MEANS TO BE AN ACCREDITED INVESTOR AS A PROFESSIONAL?

• Those natural or legal persons that show they have financial knowledge or to have a financial manager would have a limit on their investments of 10.000€ per year and 3.000€ per project. Those amounts only could be invested in the total of all the platforms in the country. For example: An investment of 6.000€ in projects published at our Marketplace form APF Capital in 2018. Limitation of 4.000€ for other maximum investments to be realized at the same year in Marketplace or vice versa.

¿DOES THE PROFESSIONAL INVESTORS HAVE A LIMIT?

• No, they don´t have a limit on their investments for the loans, in the case that the investment is through shares, the propietary of the company will publish the participation to give up to the investor and will decide if there´s a limit in the participation of shares.

¿WHAT FINANCIAL PROFITABILITY COULD BE OBTAINED BY THE INVESTORS?

• It will depend on the credit rating from the company thaat needs the capital.

¿WHO GAVES THE CREDIT RATING?

• We got some agreements with external companies that rate the risk of the companies we publish in our Marketplace.

¿HOW CAN I REALIZE ONLINE INVESTMENTS?

• You should end your register as an investor, providing al the legal documentation that is requested in the section of registry of investors. Once the register is done, you can top up your ewallet through card or bank transference.

¿IF THE INVESTMENT ROUND IS NOT COMPLETE, WHAT WILL HAPPEN WITH MY MONEY?

• If it pass from the 60% of the collection objective, the company should ask for a second round, and in case that the investment isn´t formalized the money will return to the ewallet of the investor.

¿THERE IS A RISK ON THE INVESTMENTS?

• Yes, to lend money to companies it creates a capital loss risk, however and always we request for guarantees to the companies that requires the credits.

¿DOES I PAY ANY COMMISSION FOR THAT TOP UP?

• The investor doesn´t pays any commission for top up the ewallet if he invests the same amount in anyone of the published projects. If the investor don´t invest and want to realice an subscription of his top up, this will have a penalization that depends on the way that it was realized the top up of the ewallet.

¿ONCE THE INVESTMENT IS DONE, WHERE I RECEIVE MY CAPITAL AND PROFITS?

• The interests and profits obtained will be paid out on the ewallet, you can manage them for doing a bank transference to your bank account or they can be reinvested in other projects.

¿DOES MY MONEY IS SAFE ON MY EWALLET?

• The money that is deposite don the ewallet only can be managed by you, APF Capital doesn´t have any access to your capital, your ewallet account is on your name and operated by an external supplier that have a banking license for can operate those custody services and keep safe your money in segregated bank accounts.

¿DOES I HAVE TO PAY TAXES FOR MY PROFITS?

• Yes you have to, and also it´s mandatory to do the pertinent withholding tax for the payments of the tributes at the country in which is the source of incomes.

¿WHAT WILL HAPPEN IF ANY COMPANY DON´T PAY IT´S LOAN?

• In such that case APF Capital through external law offices specialized in recoveries will help in the management of the claims, but this is just in case the friendly conciliation don´t work. APF Capital is not responsable for this non-payments, our operations are just the intermediation between the investor and the company that needs the loan, but we are not responsable for the non-payments.

¿WHO CAN SIGN UP AS A COMPANY?

• Can sign up as a company a person or an entity that follow the next requirements:
  • Having a valid bank account in a country of the European Union.
  • If it´s a phisical person it has to be older than 18 years, be resident at the European Union and have the legal capacity to engange and realice legal agreements.
  • If it´s a comercial Enterprise it has to be registered properly at the mercantile registry.
  • If it´s a foundation it shall be registered in the register of foundations.

¿WHAT DOES IS NEEDED TO REGISTER AS A COMPANY?

• For being a company in our platform, the registration must be online. We will need an identification document in rule (DNI, NIE, Passport), that can be attached from your private profile and some aditional documentation for verify your fiscal residence. You can extend the information about the requirements for the participation as investor in our terms and conditions section.

¿HOW CAN MY COMPANY ASK FOR A CREDIT?

• Once is realized the web registration, and it´s provide the necessary documentation it wil be realized a feasibility assessment of the required loan and the devolution and the repayment term.

¿UPON OF THE APPROVAL OF THE APPLICATION, I´LL HAVE THE MONEY INMEDIATELY?

• No, our approval is only the publication in out Marketplace, for have the investment in a public way.

¿WHAT WILL HAPPEN IF I DOESN´T GOT THE 100% OF WHAT I REQUIRE?

• If the collection goes over the 60% and once it´s over the first round, it could be realized a second round in an inferior time for chase the objective.

¿ONCE THAT THE CAPITAL IT´S OBTAINED, IS BINDING THE OFFER?

• Yes, once the credit is obtained, in some days it will be signed the contract of the online loan, between the legal representative of the company and the investors.

¿CAN I DO AN EARLY CANCELLATION?

• No, because of all the number of investors it wouldn´t be posible the early cancelation without paying the interests that were agreed on the initial instance.

¿WHERE CAN I DO THE PAYMENTS OF THE AMORTIZATIONS?

• The payment will be directly on the bank account that will be asigned for the loan, and our supplier of electronic payments will be the person in charge to pay to the investors.

¿WHAT HAPPEN IF I DO A LATE PAYMENT?

• The late payment can be a reason for the credit cancellation, and the request of the main one plus the agreed interests and late charges.

¿WHAT INTEREST DOES I HAVE TO PAY?

• The interest to be payed to the investors will depend in the risk range, asigned by an external company, it can vary from the 3% to the 12,90% anual.

¿DOES I HAVE ANOTHER TYPE OF LABOR FEES OR EXPENSES?

• Yes, in APF Capital we got labor fees from 6% until 10%, that will depend on the type of project. This labor fees will be charged at the end when everything is approved and the agreements with the investors are signed, and the capital is paid-up.