Secure liquidity for companies and returns for investors
Finyoz connects companies and investors
Companies receive instant liquidity.
Investors earn significantly higher interest rates than with comparable forms of investment.
The perfect Win-Win!
Immediate liquidity for your company
We finance your B2B outgoing invoices for your company unbureaucratically and at unbeatable conditions. Finyoz offers you many advantages:
Benefit from high interest rates with flexible terms
Secure attractive interest rates with flexible time horizons as private or Corporate Treasury investor. Finyoz enables you to achieve exactly this whilst maintaining full control, flexibility and many other advantages:
Private Investors
Corporate Treasury
How Finyoz works
1
Company A invoices Company B for goods or services supplied.
2
Company A receives same-day payouts of up to 95% of the invoiced amount financed by investors capital committed for 14-90 days.
3
As soon as Company B has settled the invoice, Company A receives the outstanding balance and the investors receive their investment back plus interest.
All transactions are securitized and registered in a digital custody account in accordance with the German Electronic Securities Act (“eWpG”) and Banking Act (“KWG”).
Security first
We are a lendtech platform that first and foremost wants to benefit and make a difference for the investors and companies using our services. Risks are always part of the economic environment, but we minimize them wherever possible. Through a rigorous risk scoring process. Finyoz only allows companies meeting numerous risk as well as credit scoring criteria to be listed for finance. Our matching algorithm spreads investments across many companies and in addition, every company has to support their financing with a mandatory trade insurance so that in the unlikely case of a late- or non-payment by one of the companies our investors base capital is protected in the most cases and to a large extend.
Financial services is a highly regulated industry and it ought to be ensure clients protection, high ethical standards and a proper delivery of the expected services. Finyoz is a so-called 'tied agent' of DonauCapital Wertpapier GmbH, which is regulated by the German Financial Authority 'BaFin' ('Bundesanstalt für Finanzleistungsaufsicht' and can be found in its respective register at: portal.mvp.bafin.de/database/VGVInfo/ Our payment services are provided by CurrencyCloud B.V. registered and authorised by the Dutch National Bank as electronic-money institution.
Awards
As a tied agent according to §3(2) WplG, Finyoz Deutschland GmbH is arranging deals in investments under §2(2)(3) WplG and placing financial instruments without a firm commitment §1(1a)(2)(1c) KWG under the name and account of DonauCapital Wertpapier GmbH, Passauer Str. 5, 94161 Ruderting, supervised by the German Financial Authority (“Bundesanstalt für Finanzdienstleistungsaufsicht, BaFin”) which has a publicly accessible register under www.bafin.de listing all supervised companies. Payment services for Finyoz Deutschland GmbH are provided by CurrencyCloud B.V. (https://www.currencycloud.com/legal/terms/) registered in the Netherlands No. 72186178. Registered Office: Nieuwezijds Voorburgwal 296 - 298, Mindspace Nieuwezijds Office 001 Amsterdam. CurrencyCloud B.V. is authorised by the DNB under the Wet op het financieel toezicht to carry out the business of a electronic-money institution (Relation Number: R142701).