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Claus Lehmann
Site Admin
Anmeldedatum: 31.08.2007
Beiträge: 18008
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 Verfasst am: 19.12.2020, 23:34 Titel: Re: Heavyfinance Erfahrungen (Land- und Baumaschinen Litauen |
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Ich frag mal direkt bei Heavyfinance* ob die die Grundlagen kennnen, wie das funktioniert und ob sie die Aussage von Evoestate* bestätigen
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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
Anmeldedatum: 31.08.2007
Beiträge: 18008
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| Verfasst am: 20.12.2020, 10:36 Titel: Re: Heavyfinance Erfahrungen (Land- und Baumaschinen Litauen |
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Auskunft von Heavyfinance* zu meiner Anfrage
| Zitat: | We can comment this situation only from Heavyfinance* perspective. As Evoestate* is Estonian company, they are not obliged to pay taxes in Lithuania. In my understanding, they should be paying Estonian ones.
So, yes, we do no withhold taxes to Evoestate* investments.
I can not confirm/decline that Evoestate* investor’s taxes will be withholded. |
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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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Zedandi
Anmeldedatum: 02.11.2016
Beiträge: 1486
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| Verfasst am: 20.12.2020, 11:02 Titel: Re: Heavyfinance Erfahrungen (Land- und Baumaschinen Litauen |
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Interessant, anscheinend gibt's da echt ein Schlupfloch für ausländische Firmen:
"On interest paid to non-resident companies
0/10 percent (0 percent if paid to an EEA resident company or a company registered in a country with which Lithuania has concluded a double tax treaty)."
https://home.kpmg/xx/en/home/insights/2018/06/european-tax-lithuania-country-profile.html#8 |
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GeldRegiertDieWelt
Anmeldedatum: 25.09.2016
Beiträge: 400
Wohnort: zuhause
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| Verfasst am: 01.01.2021, 19:08 Titel: Re: Heavyfinance Erfahrungen (Land- und Baumaschinen Litauen |
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Also nicht nur landwirtschaftliche Maschinen -> also doch konjunkturabhängige Investments. |
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Bandit55555
Anmeldedatum: 29.07.2011
Beiträge: 2512
Wohnort: BW
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| Verfasst am: 01.01.2021, 19:25 Titel: Re: Heavyfinance Erfahrungen (Land- und Baumaschinen Litauen |
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| GeldRegiertDieWelt hat Folgendes geschrieben: |
Also nicht nur landwirtschaftliche Maschinen -> also doch konjunkturabhängige Investments. |
Ja stimmt. Es gibt paar Ausnahmen.
Bisher alle Kredite bei mir im Plan. Kein Kredit in Verzug.
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Meine Rendite: Erhaltene Zinsen:
Finbee: 153.000€,
Omaraha: 108.000€ |
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theitalianleathersofa
Anmeldedatum: 03.01.2021
Beiträge: 1
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| Verfasst am: 03.01.2021, 11:31 Titel: Heavy Finance |
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I find this platform really promising, I started to invest via Evoestate* to circumvent the 100eur min and the Paysera account.
time will tell if it was a good choice 
TheItalianLeatherSofa.com |
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Claus Lehmann
Site Admin
Anmeldedatum: 31.08.2007
Beiträge: 18008
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| Verfasst am: 09.02.2021, 13:28 Titel: Re: Heavyfinance Erfahrungen (Land- und Baumaschinen Litauen |
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News: Heavyfinance* expandiert nach Bulgarien
| Zitat: | HeavyFinance expands to Bulgaria
HeavyFinance, a company transforming agricultural financing into an online marketplace,
started origination loans in Bulgaria. The first investment project was already listed on the
platform in an attempt to rapidly expand in the Balkans.
According to the Fi-compass report Financial needs in the agriculture and agri-food sectors in
Bulgaria, the market gap in the local agricultural sector is estimated between 289 million euro
and 863 million euro. Besides, 19% of Bulgarian farmers struggle to get financing to increase
working capital. A similar trend is seen with attempts to get land loans or heavy equipment
loans.
“We’re happy to enter Bulgaria to finally provide modern and bespoke financing solutions for
farmers while offering a new secure market for investors. The country has favourable natural
resources for the development of agriculture and progressive legislation for fintech
companies, however, better financing is still needed to increase farming efficiency. We are
addressing this need and planning to list many more loans from Bulgaria on the platform this
year”, said Laimonas Noreika, CEO and founder of the company.
Building a local team
The company has also started building a team in Sofia. Filip Mutafis, an investor in Paysera
Bulgaria and managing partner of technology consultancy firm Dynamic Solutions, will be
leading the expansion in this country.
Nikolay Milenkov, sales and management expert also joined the company as the Head of
Commerce. He will bring his expertise previously gained as the Head of Leasing Operations
and Customer Services at UniCredit Leasing and taking C level roles at IT companies.
Furthermore, Heavyfinance* is planning to continue hiring in Bulgaria and operate from this
country regionally.
Transforming agricultural financing
Wast majority of more than 10 million farms in European Union own less than 50 hectares of
arable land, leaving them underserved by traditional financial institutions. Therefore,
HeavyFinance is transforming agricultural financing into an online marketplace to help small
and medium farmers grow.
On the same note, agricultural loans on Heavyfinance* provide retail and institutional
investors with opportunities to diversify their portfolio with investments in loans backed by
heavy equipment and arable land. These loans generate up to 14% p.a. return on investment.
HeavyFinance is a regulated crowdfunding platform. Besides, the operations of the company
will soon be subject to pan-European rules due to Regulation (EU) 2020/1503 and Directive
(EU) 2020/1504, adopted by the European Parliament in October. |
_________________
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
Anmeldedatum: 31.08.2007
Beiträge: 18008
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| Verfasst am: 22.12.2021, 10:03 Titel: Re: Heavyfinance Erfahrungen (Land- und Baumaschinen Litauen |
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Pressemitteilung: Heavyfinance* expandiert nach Polen mit 1 Mio. US$ Kapitalspritze
| Zitat: | HeavyFinance raises $1M to assist European farmers in their sustainability journey
Loan marketplace matches investors with farmers to provide much needed access to finance for agricultural businesses
● HeavyFinance provides short-to-medium term financing of €6k-€300k to farmers who struggle to receive loans from traditional lenders. The company already facilitated more than €14 million in loans
● Sustainability is one of the main criteria in the company’s credit scoring algorithm, allowing farmers to get more favourable conditions for sustainable initiatives
● 65% of the loans are aimed to help farmers to shift to more sustainable farming practices. In the future the majority of loans will be issued to sustainability-related projects
VILNIUS, Lithuania (22 December, 2021) – Heavyfinance*, a Lithuania-based agricultural loan marketplace, has closed a $1 million pre-seed funding round led by Black Pearls VC with co-investments from bValue and Startup Wise Guys. Several angel investors also participated, including Marius Krikštopaitis and Adrian Watson (Lendable). This round of fundraising will be used to scale the team to support faster expansion in existing markets as well as a move into Poland. The startup has facilitated more than €14 million in loans in Bulgaria, Latvia, Lithuania and Portugal, and has helped over 450 farmers – owning more than 45,000 hectares of land – move to more sustainable agricultural practices.
Agriculture is the biggest producer of greenhouse gas emissions after the energy sector, yet small and medium farmers in the EU often struggle with access to finance to automate processes and shift to more sustainable means of agriculture. Due to capital adequacy requirements and other factors affecting unit economics, traditional financial institutions are often unable to issue small business loans to farmers. According to the Fi-Compass report by the European Commission, the total market gap in the European Union is between €19.8 to €46.6 billion.
HeavyFinance is stepping into this market gap by providing short-to-medium term financing solutions for all farming needs, including equipment, land, and working capital loans. Set up as a loan marketplace, Heavyfinance* facilitates transactions between investors and farmers. The startup’s financing solution solves a number of big problems modern farmers face - lack of fast financing options, inflexible bank repayment schedules and very low risk toleration. Moreover, Heavyfinance* allows for the financing of used farming equipment and takes land or heavy machinery as collateral, something banks and other traditional players do not.
HeavyFinance also offers more favorable loan conditions to farmers transitioning to more sustainable agricultural practices, including the purchase of less polluting equipment, a move to soil sequestration and no-till farming projects. The company is bringing a sharper focus on sustainability to all of its future activities, with plans to help farmers generate carbon credits which can be sold. Currently, more than 65% of the loans are aimed to help farmers to shift to more sustainable farming practices.
Laimonas Noreika, CEO of Heavyfinance*, said: “The agricultural sector is a key battleground for fighting climate change and the entire field is being rapidly reshaped by technology. A new generation of farmers is waiting on the sidelines, ready to transition to agricultural models that are kinder to nature. Unfortunately, up until now, access to finance has been a major barrier. There is an outstanding gap in financing for small and medium farms in Europe and a robust investor appetite for high-yield investment products. Heavyfinance* is here to address both needs.”
The startup’s risk assessment model is tailored specifically to agricultural businesses, allowing it to more accurately evaluate risk compared to traditional lenders. This specialization and deep knowledge of the sector allows Heavyfinance* to make the loans accessible, quick and easy to issue, and does not require any collateral for loans up to €10,000. All loans are administered fully online and include a tailored repayment schedule. The company aims to facilitate €500 million in agricultural loans by the end of 2024.
Wojciech Drewczynski from Black Pearls VC said: “We are very excited to be helping Heavyfinance* on its journey to become the go-to-financing platform for European farmers. With an experienced team that has grown a number of successful startups, Heavyfinance* is well placed to step in and solve an enormous pain point for farmers. The company’s robust platform, deep sector and market knowledge, and exceptional customer service form a strong basis for building a trusted household name in the farming community.”
“Farmers are a large group of diversified customers that face many challenges including green transformation and moving to more sustainable production methods. Still this group is heavily underserved by banks and financial service providers. We strongly believe that farmers like many other groups are moving online very fast and need seamless solutions that support their businesses, like HeavyFinance” – said Maciej Balsewicz from bValue VC.
About Heavy Finance
HeavyFinance is a fintech marketplace for agricultural loans. Founded in 2020, the company already facilitated more than €14 million in loans for small and medium farmers owning more than 45.000 hectares of arable land. These investments, made by both retail and institutional investors, help European farms to automate processes and shift to more sustainable means of agriculture. The company is regulated as a crowdfunding platform operator by the Central Bank of Lithuania and is fully prepared for an upcoming revision to EU regulations.
About Black Pearls VC
Black Pearls VC is an early-stage venture capital firm focused on supporting the leading tech companies from Northern & Central Europe. It invests from pre-seed to Series A with a typical ticket of anywhere between €100k - €1m. Black Pearls VC is a part of the Kauffman Fellows, a global network of +700 leading VCs.
About bValue VC
bValue VC is a leading early stage VC in Poland with €20m for investments. The company provides a platform of advisors and venture partners to identify and grow best tech teams to become European champions in digital space. Its investment ticket is between €200k - €1m per company and the primary region is CEE. bValue supports founders in: distribution, product validation, recruitment and capital.
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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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Lendlord
Anmeldedatum: 08.12.2016
Beiträge: 1212
Wohnort: Ba-Wü
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| Verfasst am: 26.12.2021, 09:34 Titel: Re: Heavyfinance Erfahrungen (Land- und Baumaschinen Litauen |
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Liebe Forenkollegen,
mal ein paar Fragen von mir zu Heavyfinance*, da ich mir überlege, dort einzusteigen:
-Wie seid ihr allgemein zufrieden mit der Plattform?
-Wie ist denn die Ausfallquote der Kredite? Auf der Statistik-Seite sind hier zwei verschiedene Zahlen angegeben: „Delay in payment of interest“ mit 56 (ich nehme an, das ist die Verspätung der Zinszahlung in Tagen) und „Number of loans with delay“ mit 2.
In Relation zu den „Number of loans funded“ mit 436 hieße das, dass gerade mal ca. 0,5 % aller Kredite Zahlungsverzögerungen haben. Das wäre ja extrem wenig! Könnt ihr das bestätigen?
- Ich plane, über Evoestate* darein zu investieren, um mir die Quellensteuer zu ersparen. Ist das eine gute Idee?
-Wird man auf dem Sekundärmarkt von Evoestate* auch verspätete Kredite mit akzeptablem Abschlag wieder los? |
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willi P2P
Anmeldedatum: 27.06.2019
Beiträge: 423
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| Verfasst am: 26.12.2021, 11:54 Titel: Re: Heavyfinance Erfahrungen (Land- und Baumaschinen Litauen |
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| Lendlord hat Folgendes geschrieben: |
Wie seid ihr allgemein zufrieden mit der Plattform? |
Bin erst 6 Monate dabei und bisher sehr zufrieden.
| Lendlord hat Folgendes geschrieben: |
Wie ist denn die Ausfallquote der Kredite? |
Bei mir sind von 60 seit den Feiertagen 4 spät,aber halt erst 6 Monate dabei.
| Lendlord hat Folgendes geschrieben: |
Ich plane, über Evoestate* darein zu investieren, um mir die Quellensteuer zu ersparen. Ist das eine gute Idee?
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Bin auch über Evoestate* investiert, ob gute Idee wird sich zeigen? |
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MathiasM
Anmeldedatum: 28.07.2019
Beiträge: 240
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| Verfasst am: 26.12.2021, 12:53 Titel: Re: Heavyfinance Erfahrungen (Land- und Baumaschinen Litauen |
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Bei Evoestate* gibt es eine sehr gute, nach Anbietern unterteilte Übersicht über den Status sämtlicher Projekte:
https://evoestate.com/originators/
Momentan sind 20 von 132 HeavyFinance-Projekte verspätet. Ich denke, man muss mit unregelmäßigeren Geldeingängen und etwas höheren Risiken rechnen. Dafür sind die Zinsen höher.
Der Zweitmarkthandel auf Evoestate* ist zwar ziemlich ruhig, aber mit Abschlag oder ohne Aufschlag (bei kleinen Verspätungen) solltest du deine Angebote wegbekommen.
Unverkaufte Angebote mit Abschlag gibt es ohnehin kaum bei EvoEstate. Und das sind dann sicher ganz andere Problemfälle.
_________________
Investments:
Mintos, Bondora*, Neofinance*, Finbee*, ViaInvest, Bondster*, Debitum
EstateGuru, Evoestate*, Inrento*, Bonafide
Seedrs, Axiafunder*, LandEx |
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Lendlord
Anmeldedatum: 08.12.2016
Beiträge: 1212
Wohnort: Ba-Wü
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| Verfasst am: 27.12.2021, 10:03 Titel: Re: Heavyfinance Erfahrungen (Land- und Baumaschinen Litauen |
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Vielen Dank für die Hinweise! Das klingt doch gut, ich denke hier werde ich auch einsteigen
EDIT: Eine Frage habe ich dann doch noch. Auf der Webseite von Heavyfinance* sind gegenwärtig vier offene Projekte gelistet. Bei Evoestate* dagegen nur eines (LT0000436, Working capital loan for the freight transportation company), und das ist komischerweise gar nicht auf der Webseite von Heavyfinance* aufgeführt.
Hat das jemand von euch durchschaut? Warum ist da auf Evoestate* ausgerechnet dieses eine Projekt gelistet? Zeichnet sich dies irgendwie aus? |
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willi P2P
Anmeldedatum: 27.06.2019
Beiträge: 423
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| Verfasst am: 27.12.2021, 11:25 Titel: Re: Heavyfinance Erfahrungen (Land- und Baumaschinen Litauen |
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| Lendlord hat Folgendes geschrieben: | dagegen nur eines (LT0000436, Working capital loan for the freight transportation company), und das ist komischerweise gar nicht auf der Webseite von Heavyfinance* aufgeführt.
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LT0000436, Betriebsmitteldarlehen für das Güterverkehrsunternehmen
wird bei Heavyfinance* als finanziert gelistet. |
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MathiasM
Anmeldedatum: 28.07.2019
Beiträge: 240
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| Verfasst am: 27.12.2021, 11:41 Titel: Re: Heavyfinance Erfahrungen (Land- und Baumaschinen Litauen |
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Ich weiß leider auch nicht, wie die Auswahlkriterien bei Evoestate* sind.
Generell, wenn man nur einem bestimmten Anbieter folgt, ist die Auswahl geringer als auf den Originalseiten.
_________________
Investments:
Mintos, Bondora*, Neofinance*, Finbee*, ViaInvest, Bondster*, Debitum
EstateGuru, Evoestate*, Inrento*, Bonafide
Seedrs, Axiafunder*, LandEx |
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Lendlord
Anmeldedatum: 08.12.2016
Beiträge: 1212
Wohnort: Ba-Wü
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| Verfasst am: 29.12.2021, 09:59 Titel: Re: Heavyfinance Erfahrungen (Land- und Baumaschinen Litauen |
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| Weitere Frage: In welche Kredite investiert ihr bevorzugt? Gibt es da bestimmte Länder oder Kredit-Arten, die ihr bevorzugt oder meidet? |
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