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Lendlord
Anmeldedatum: 08.12.2016 Beiträge: 1212 Wohnort: Ba-Wü
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Verfasst am: 16.07.2023, 10:35 Titel: Re: Heavyfinance Erfahrungen (Land- und Baumaschinen Litauen |
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Hallo tbee,
meine Kredite sind allesamt besichert, ich investiere grundsätzlich nicht in unbesicherte Kredite. Mein Portfolio ist stark Polen-lastig, da hier in Relation zu den Bonitäten die besten Zinssätze geboten wurden.
Ich habe mir gerade überlegt, warum mein Portfolio relativ schlecht performt und versucht, das mit der Gesamt-Statistik aller Kredite der Plattform in Einklang zu bringen. Die aktuelle Performance des Gesamt-Portfolios ist hier gezeigt: https://heavyfinance.com/investing-blog/portfolio-performance-review-may-2023/
Und siehe da, tatsächlich ist die Performance der Polen-Kredite regelrecht abgestürzt. Nur noch 53 % der Kredite sind im Status Current and Repaid! Und mein Portfolio ist wie oben beschrieben stark Polen-lastig. Das ist also die Erklärung.
Nebenbei bemerkt, sind 13,8 % der Polenkredite nun stark (d.h. > 90 Tage) überfällig. Auch das ist die rote Laterne aller Länder.
Ein Trost ist, dass sich verspätete Kredite mit Besicherung relativ gut auf dem Sekundärmarkt losschlagen lassen. Bislang reichte ein Abschlag von -5 % stets aus, um die Kredite loszuwerden (bei einer Verspätung von bis zu 62 Tagen). |
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Sezchuan
Anmeldedatum: 15.01.2016 Beiträge: 291 Wohnort: Kraichtal
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Verfasst am: 18.03.2024, 09:44 Titel: Neues von HeavyFinance |
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HeavyFinance is raising a 50 million euro fund
March 14, 2024 By HeavyFinance
Agricultural SMEs to get €50 million to support decarbonisation as Lithuanian fintech Heavyfinance* teams up with EIF and InvestEU
●Small and medium-sized agricultural businesses in five European countries will
receive a total of €50 million from Heavyfinance*, a Lithuania-based financial
technology company to support on-farm decarbonisation and greener farming
practices.
●The money will come from a Heavyfinance* credit fund to which the European
Investment Fund (EIF) has committed €20 million.
●The EIF commitment is backed by InvestEU, an EU programme to mobilise at least
€372 billion for European policy priorities by 2027
HeavyFinance is raising €50 million for a private credit fund that will support European agricultural small and medium-sized businesses (SMEs) with tailor-made finance. The funding will be available to finance solutions to advance the decarbonisation of agriculture in Bulgaria, Latvia, Lithuania, Poland and Portugal.
“HeavyFinance is empowering European farmers to cultivate a more sustainable future,” said EIF Chief Executive Marjut Falkstedt. “With the support of the EIF and InvestEU, we are nurturing the growth of regenerative agriculture, contributing to decarbonisation, unlocking the potential of our land and fostering a more resilient planet.”
As a cornerstone investor, the EIF has committed €20 million to the fund. This sum will not only boost the fund but also help attract additional investors – both public and private. This agreement was made possible with the support of the InvestEU programme, which aims to trigger more than €372 billion in additional investment between 2021 and 2027 for EU policy priorities, including the green and digital transitions.
The fund will provide mid-term debt capital for small and medium-sized agricultural companies to support them in their efforts to reduce their carbon footprint through greener practices. These include alternative soil-friendly techniques that sequester carbon and improve soil health. Examples include so-called “no-till farming” (using no or less ploughing), less reliance on synthetic fertilisers and use of less polluting farming equipment.
“Farmers are facing unprecedented challenges due to climate change, but they are also at the forefront of finding innovative nature-based solutions,” said Heavyfinance* Chief Executive Officer and founder Laimonas Noreika, “This fund represents a crucial step in HeavyFinance’s commitment to eliminating one gigaton of carbon dioxide from the atmosphere by 2050.”
Commissioner for the Economy, Paolo Gentiloni, said, “Small and medium-sized businesses are the backbone of Europe’s economy. They are simultaneously affected by climate change and play a vital role in addressing it. Thanks to the InvestEU programme, we will provide SMEs active in agriculture with the finance they need to work towards decarbonisation. The support will help them for instance to upgrade their equipment and expand working capital. This, in turn, will enable growth and job creation. I am delighted that companies in Bulgaria, Latvia, Lithuania, Poland, and Portugal will be supported by this agreement.
The European Union recognises soil as a significant carbon sink and the agricultural industry as crucial to achieving the goal of climate neutrality by 2050. The fund aims to remove 0.376 tons of carbon dioxide equivalent per year for every €1 000 invested, aligned with the European Investment Fund’s Climate Action and Environmental Sustainability guidelines.
Established in 2020, Heavyfinance* has taken more than 10 000 soil samples to help measure carbon storage on farmland. The company has already enabled more than €50 million in agricultural loans to promote sustainable practices, modernise equipment and increase working capital in agriculture. Targeting small and medium enterprises, Heavyfinance* has issued more than 1 700 loans to farmers facing barriers to financing from traditional institutions to help them advance their transition to more sustainable agriculture.
Background information
The European Investment Fund is part of the European Investment Bank Group. Its central mission is to support Europe’s small and medium-sized enterprises (SMEs) by helping them access finance. The EIF designs and develops venture and growth capital, guarantees and microfinance instruments that target this market segment. In this role, the EIF advances key EU policy objectives including competitiveness, growth, human capital and climate action.
The InvestEU programme provides the EU with long-term financing by mobilising public and private funds for a sustainable recovery. It generates additional investments in line with EU priorities such as the European Green Deal, the digital transition and support for SMEs. A range of EU financial tools is brought together to support investment with simpler, more efficient and more flexible project financing. The programme has three components: an InvestEU Fund, an InvestEU Advisory Hub and an InvestEU Portal. The InvestEU Fund is implemented via various financial partners. They invest in projects by using an EU budget guarantee of €26.2 billion to mobilise at least €372 billion in extra investments.
HeavyFinance is in the business of removing one gigaton of CO2 emissions through agricultural financing. The company operates as a marketplace connecting investors – from retail to institutional – with European farmers in need of external funding to expand their operations and shift to regenerative agriculture. Heavyfinance* has facilitated financing for more than 1,700 agricultural ventures in Bulgaria, Latvia, Lithuania, Poland and Portugal. _________________ Meine Investments:
Crowdlending: Linked Finance*, Omaraha*, Heavyfinance*, Lendermarket*
Crowdinvesting: Exporo*, EV* Digital*, CrowdRealEstate*, Genocrowd*, Companisto*, Trine*, Brickwise* u.a.
Beendet: Smava*, Auxmoney*, Lendico*, Funding Circle*, Giromatch*, Fellow Finance*, Fixura*, Landex* u.a. |
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Lendlord
Anmeldedatum: 08.12.2016 Beiträge: 1212 Wohnort: Ba-Wü
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Verfasst am: 25.04.2024, 06:51 Titel: Re: Heavyfinance Erfahrungen (Land- und Baumaschinen Litauen |
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Heavyfinance hat seine Benutzeroberfläche überarbeitet.
Graphisch gab es starke Änderungen, das komplette Design ist anders.
Was leider weggefallen ist (oder ich habe es nicht gefunden), ist die Möglichkeit, seine Investments nach definiertem Zahlungsstatus zu filtern: Also "Current", "1-30 days late" usw. |
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Claus Lehmann Site Admin
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Anmeldedatum: 31.08.2007 Beiträge: 18007
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Verfasst am: 23.10.2024, 14:28 Titel: Re: Heavyfinance Erfahrungen (Land- und Baumaschinen Litauen |
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Von Heavyfinance* gemeldet
Zitat: | Hi Claus,
HeavyFinance has secured a €10.5 million portfolio guarantee from the European Investment Fund (EIF), marking a significant milestone in our mission to support sustainable farming.
At an international conference in Luxembourg, Marjut Falkstedt, CEO of EIF, took to the stage—wearing Heavyfinance* rubber boots—to emphasise the importance of alternative financing channels for small and medium-sized businesses transitioning towards sustainability.
This EIF portfolio guarantee is the first of its kind, underscoring our commitment to funding farmers who are at the forefront of the fight against climate change. It’s also a strong signal to our investor community, reinforcing the value of investing in agricultural loans, the rigorous evaluation process, and the high standards of transparency we maintain in managing our portfolio.
The guarantee will enable funds to be channeled through a soon-to-be-launched special purpose company, focused exclusively on investments in agricultural loans on the Heavyfinance* platform.
We’ve also seen a growing number of retail investors expanding their portfolios by adding new loans. With a weighted average interest rate of over 13% and default rates declining for four consecutive months, investor confidence is rising, and many are actively boosting their investments.
Stay tuned for more updates as we continue to drive sustainable finance forward! |
_________________ Meine Investments (aktualisiert 12/24):
Laufend: Bondora*, Estateguru*, Indemo*, Inrento*, Mintos*, Crowdestate* (Rest), October* (Rest), Linked Finance* (Rest), Plenti (Rest), Ventus Energy*, Seedrs*, Crowdcube, Housers* (Rest),
Beendet: Smava, Auxmoney, MyC4, Zidisha, Crosslend, Lendico, Omarahee, Lendy, Ablrate, Bondmason, Finbee*, Assetz Capital, Bulkestate, Fellow Finance, Investly*, Iuvo*, Landex, Lendermarket*, Lenndy, Moneything,
Neofinance*, Reinvest24, Robocash*, Viainvest*, Viventor, Zlty Melon |
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Claus Lehmann Site Admin
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Anmeldedatum: 31.08.2007 Beiträge: 18007
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Verfasst am: 11.12.2024, 12:46 Titel: Re: Heavyfinance Erfahrungen (Land- und Baumaschinen Litauen |
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Partnerschaft zwischen Heavyfinance* und Multitude Bank
Zitat: | Multitude Bank Partners with Heavyfinance* to Invest EUR 14 million.
HeavyFinance is pleased to announce a partnership with Multitude Bank, a core subsidiary of the Nordic-born listed FinTech, Multitude Group. Through a debt-asset securitisation deal, Multitude Bank will invest EUR 14 million in loans for small and medium-sized agricultural businesses to support their transition to sustainable farming practices.
Multitude Bank plans to begin investing in loans originated by Heavyfinance* from December 2024, with full deployment of the EUR 14 million expected by the end of 2025.
This partnership marks an important milestone in our journey to remove 1 gigatone of CO2 emissions by 2050. We will continue to provide a lot of hand picked agricultural loans that fit your investment criteria. |
_________________ Meine Investments (aktualisiert 12/24):
Laufend: Bondora*, Estateguru*, Indemo*, Inrento*, Mintos*, Crowdestate* (Rest), October* (Rest), Linked Finance* (Rest), Plenti (Rest), Ventus Energy*, Seedrs*, Crowdcube, Housers* (Rest),
Beendet: Smava, Auxmoney, MyC4, Zidisha, Crosslend, Lendico, Omarahee, Lendy, Ablrate, Bondmason, Finbee*, Assetz Capital, Bulkestate, Fellow Finance, Investly*, Iuvo*, Landex, Lendermarket*, Lenndy, Moneything,
Neofinance*, Reinvest24, Robocash*, Viainvest*, Viventor, Zlty Melon |
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Claus Lehmann Site Admin
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Anmeldedatum: 31.08.2007 Beiträge: 18007
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Verfasst am: 19.12.2024, 13:38 Titel: Re: Heavyfinance Erfahrungen (Land- und Baumaschinen Litauen |
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Newsletter von Heavyfinance* zum Jahresende
Zitat: | As the year comes to a close, we reflect on the remarkable milestones of 2024 and are excited to share these achievements with our community. Whether you’ve partnered, invested, or simply followed our progress, your support has been invaluable in making this year a success.
2024 Wrap-Up:
🌟2330 New Investors joined the Heavyfinance* community.
📃 534 Loans Issued.
🌱 93 Green Loans Funded.
💶 15M EUR invested over the year, supporting farmers and sustainable agriculture.
📈 14% Average Interest Rate from fully repaid loans.
🌍Addressed 1M Tons of CO2 Emissions, contributing to a greener future.
2024 was a landmark year for Heavyfinance*, filled with significant achievements and partnerships. We secured a €10.5 million portfolio guarantee with the European Investment Fund (EIF), partnered with Multitude Bank to secure €14 million for regenerative agriculture initiatives, launched raised €50 million for a private credit fund. |
_________________ Meine Investments (aktualisiert 12/24):
Laufend: Bondora*, Estateguru*, Indemo*, Inrento*, Mintos*, Crowdestate* (Rest), October* (Rest), Linked Finance* (Rest), Plenti (Rest), Ventus Energy*, Seedrs*, Crowdcube, Housers* (Rest),
Beendet: Smava, Auxmoney, MyC4, Zidisha, Crosslend, Lendico, Omarahee, Lendy, Ablrate, Bondmason, Finbee*, Assetz Capital, Bulkestate, Fellow Finance, Investly*, Iuvo*, Landex, Lendermarket*, Lenndy, Moneything,
Neofinance*, Reinvest24, Robocash*, Viainvest*, Viventor, Zlty Melon |
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Mellow
Anmeldedatum: 03.02.2022 Beiträge: 10
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Verfasst am: 09.01.2025, 01:44 Titel: Re: Heavyfinance Erfahrungen (Land- und Baumaschinen Litauen |
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Heavyfinance integriert einen neuen Zahlungsprovider "ConnectPay". Wie sind eure Erfahrungen beim Thema KYC? Ich musste allerlei Fragen und Nachweise erbringen aber was die jetzt von mir wollen geht eindeutig zu weit und ich werde dem nicht nachkommen:
ConnectPay has got back with the following request;
Please provide a certificate of non-conviction from German authorities, confirming person's non-conviction in Germany.
Sowas geht die ja mal gar nichts an. Ich habe nur eine kleine 4stellige Summe dort und überlege jetzt ganz von Heavyfinance* auszusteigen wenn es nur noch diese Ewallet als Dienstleister gibt. ConnectPay ist auch auf Trustpilot ganz mies bewertet und ist für mich jetzt eine Red Flag. |
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Poweramd
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Anmeldedatum: 24.10.2019 Beiträge: 901
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Verfasst am: 09.01.2025, 08:21 Titel: Re: Heavyfinance Erfahrungen (Land- und Baumaschinen Litauen |
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certificate of non-conviction? Ist damit ein Führungszeugnis gemeint? _________________ Geld ist mir nicht wichtig. Ich möchte einfach nur ein guter Mensch sein. |
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Mikefamex
Anmeldedatum: 04.01.2019 Beiträge: 1651 Wohnort: Frankreich
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Verfasst am: 09.01.2025, 08:58 Titel: Re: Heavyfinance Erfahrungen (Land- und Baumaschinen Litauen |
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Ja, das "einfache" Führungszeugnis. Muss man z.B. auch beibringen, wenn man im Security- Bereich arbeitet. Warum das hier verlangt wird, ist mir schleierhaft. Schließlich kann man ohne Führungszeugnis in Wertpapiere und andere Anlageklassen investieren. |
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Mellow
Anmeldedatum: 03.02.2022 Beiträge: 10
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Verfasst am: 09.01.2025, 15:49 Titel: Re: Heavyfinance Erfahrungen (Land- und Baumaschinen Litauen |
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Ja sehr seltsam. Jetzt möchten sie stattdessen eine German tax declaration.
Das ist ja noch okay, aber seriös erscheint mir das ganze dennoch nicht mehr |
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Oktaeder P2P Legende
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Anmeldedatum: 13.07.2010 Beiträge: 10694 Wohnort: Bei Karlsruhe
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Verfasst am: 09.01.2025, 16:48 Titel: Re: Heavyfinance Erfahrungen (Land- und Baumaschinen Litauen |
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Ne. Geht sie eigentlich auch nix an. _________________ Mein Blog rund um p2p Kredite
Bondora/XIRR ca. 12%/ Investiere per API.
Stand 9/2023
Weitere Anlagen bei Swaper*,peerberry,afranga,lendermarket und estateguru |
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Claus Lehmann Site Admin
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Anmeldedatum: 31.08.2007 Beiträge: 18007
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Verfasst am: 14.01.2025, 11:59 Titel: Re: Heavyfinance Erfahrungen (Land- und Baumaschinen Litauen |
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Newsletter
Zitat: |
We are excited to announce that the Heavyfinance* platform will soon transition to a new payment provider – ConnectPay. This change is designed to improve the experience for investors and enhance the overall functionality of our platform.
How This Benefits Our Investors:
Streamlined Experience
Investments from Lemonway and Paysera will be migrated to ConnectPay for easier portfolio management.
Faster and Smarter Payments
With ConnectPay, investors gain access to instant payments, recurring payment options, and quicker fund allocations.
Enhanced Security
Additional verification steps for larger investments and other security measures will provide an even safer investing environment.
To ensure uninterrupted access to services, investors are already completing a quick identity verification process to link their accounts with ConnectPay.
We believe this transition will significantly enhance the investing experience on Heavyfinance*, benefiting both our investors and your partnership opportunities.
We would also like to remind you that every month we publish a portfolio performance review!
You can find all the reviews here. The December review is already available – read it here.
Stay updated and see how we're doing! |
_________________ Meine Investments (aktualisiert 12/24):
Laufend: Bondora*, Estateguru*, Indemo*, Inrento*, Mintos*, Crowdestate* (Rest), October* (Rest), Linked Finance* (Rest), Plenti (Rest), Ventus Energy*, Seedrs*, Crowdcube, Housers* (Rest),
Beendet: Smava, Auxmoney, MyC4, Zidisha, Crosslend, Lendico, Omarahee, Lendy, Ablrate, Bondmason, Finbee*, Assetz Capital, Bulkestate, Fellow Finance, Investly*, Iuvo*, Landex, Lendermarket*, Lenndy, Moneything,
Neofinance*, Reinvest24, Robocash*, Viainvest*, Viventor, Zlty Melon |
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