About Us
The monetary policy of recent times has resulted in capital not reaching many companies — while at the same time investors are faced with low to no interest rates. Finyoz changes exactly that!
We are investors, we are companies - together we are the economy.
We offer both sides — investors and companies — a common platform and match the right investments with the right pre-financing for companies. We broker B2B receivables with a payment term of 14 to 90 days to private and Corporate Treasury investors in order to increase the value chain of our economy.
Seriousness and security are our top priorities.We are a registered financial services provider adhering to the authorisations of our regulation partners in Germany and the Netherlands.
90
Companies have to wait up to 90 days to get paid for goods and services delivered.
16
Companies pay up to 16% interest on short term loans.
80
80% of savings sit around earning hardly any interest.
0
There is no secure means of investing on short time horizons.
Does all of this make sense?
No.
Do we believe it can be changed?
Yes.
Investment for all
Investment is a subject that has always been difficult to understand: complex products, endless consultations, worries about the future. And in the end, often the realization that most forms of investment have long-term ties, minimal returns or high risk.
With Finyoz, we want to give every single person in our diverse society equal opportunities in the investment sector and democratize investments by making them safe and as easy to understand as savings accounts used to be - enhanced with today's technical possibilities.
We are convinced that with Finyoz we can bridge generations, social classes and even the — until now pronounced — gap between private and institutional investment.
Empowering businesses
Many companies small to large are increasingly suffering from the bureaucracy and impractical regulation of the financial industry. Crises triggered by a few big players have consequences that reach all the way down to one-person businesses and make access to capital - the lifeline of our economy - more difficult.
With Finyoz, companies can obtain financing directly from investors and invest in their own development instead of waiting up to three months for payment.
Finyoz is a tool that is accessible to companies of all sizes, opening up unprecedented opportunities for smaller players in the economy.
Our team
The members of our founding team have spent more than 20 years working for major investment banks, fintech start-ups and NASA before creating Finyoz.
Finyoz specializes in decentralized financing of outstanding receivables between companies. Through our highly automated process, for the first time, private and corporate treasury investors can participate in short-term financing of invoices between companies.
Safety and ethics through selection
Finyoz finances
- Transport and Logistics
- Recycling
- Packaging Industry
- Facility Management
- Timber Wholesale
- Mechanical Engineering
- Beverage Industry
- Electronics/Electronic Components
- Industrial Cleaning
- Automotive Industry
- Health Care
- Production Industry
- Building Materials Trade
- Food Industry/Catering B2B
- Paper, publishing and printing Industry
- Staffing Agency, Temporary Employment
- and many more ethically operating businesses
Finyoz does not finance
- Arms production
- Tobacco industry
- Gambling and Ponzi schemes
- Precious metals and stones
- Mining and extractions
- Scrap metal traders
- Adult entertainment
- Drug paraphernalia, CBD and related products
- Carbon credits trading and energy traders
- Crypto assets and other forms of speculative trading
- Multi-level marketing
- Pawnbrokers
- Firms involved in the servicing of illegal goods
Our rigorous selection process also ensures minimal default risk. Finyoz only finances companies that meet all credit insurance criteria and mitigates default risk through digital pre-authorization of financed invoices by debtors. Investments are automatically allocated to different industries and companies.
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).