Frequently Asked Questions ?
Why finance companies?
Beyond the potential benefits of investing in financial securities, investors contribute to the economic well-being of France by supporting national entrepreneurs and businesses when they need it most and giving them the opportunity to grow.
What are the risks of financing on Re fundia?
All investments carry varying degrees of risk. The main risk associated with the safe investment is that the company may simply go bankrupt with the consequence that investors lose their investment. Illiquidity is another consideration because if there is a lack of demand, one has to wait for the debt security to mature.
Is it possible to sell debt securities to recover liquidity?
Re fundia facilitates a secondary market where financiers can buy and sell debt securities over the counter online
Does the secondary market reduce investment risk?
The possibility for investors to sell their debt securities before maturity frees them from a liquidity constraint and thereby reduces their risks.
The secondary market offers investors the possibility to sell their debt securities (especially bonds and minibonds) over the counter, however, the possibility of finding a buyer depends on demand. Investors should not assume that an early exit will be possible because the secondary market exists
How do I deactivate my account?
To deactivate your account, contact us at info@refundia.eu.
We cannot deactivate/delete accounts of users who hold funds and/or assets in their securities portfolios, so you will need to transfer or sell your debt securities and withdraw any remaining funds from your Re fundia investment account before submitting an application.
Glossary :
Find out what terms are commonly used in the field of investment, business and crowdfunding.
A category of economic assets that have similar characteristics. Examples of asset classes are publicly traded stocks, government bonds and real estate.
– Crowdfunding :
The funding of projects or businesses by raising money from a large number of people, usually online. The three main types of crowdfunding are equity, debt and reward/donation.
– Crowdlending B2B :
Crowdlending is project financing through debt. We speak of B2B crowdlending when it is project financing provided between companies.
– Debt contract :
A debt contract is a contract in which the terms and conditions are specified, including the amount owed by a person/company to one or more lenders. A debt can be denominated as a :
loan agreement financial securities, such as bonds acknowledgement of debt (such as minibonds)
The borrower has to repay the sum lent over a period of time with or without a grace period. The borrower must also usually pay interest
– Issuer :
At Re fundia, we deal mainly with private debt issuers, which are private companies or legal entities that raise capital from the public and/or private sector to finance their business. The securities issued are shares or bonds.
– Primary funder :
This term refers to a legal or natural person wishing to acquire the securities (shares or bonds) offered for sale by an issuer. This transaction takes place on a primary market..
– Secondary funder :
This term refers to a natural or legal person who buys securities (shares or bonds) from a financier (primary or secondary).
– Know Your Customer (KYC):
The regulatory process that all financial services companies, as well as specific companies, must follow to verify the identity of their customers to help prevent money laundering and other fraud.
– Wallet :
A group of financial assets such as shares, property or bonds, held by a person or entity.
– Risk :
The possibility of losing something of value. In the case of debt financing, the main risk for the investor is to lose all the money invested.
– Secondary market :
Second-hand market for assets (shares, bonds, securities, etc.). Re fundia provides a trading solution for unlisted corporate debt securities. Funders buy debt securities (before maturity) from other funders rather than from the company that issued the debt securities directly.
– Register of securities movements :
The securities register contains all transactions in the securities of an unlisted company. The register (often paper) contains both equity securities (shares) and debt securities (bonds, minibonds…) that have been issued by the company.
Based on the Decree No. 2018-1226 of 24 December 2018 (“Blockchain Ordinance”), Article L211-3 of the Monetary and Financial Code, Re fundia registers debt securities (bonds, minibonds, …) in the Blockchain. It thus facilitates the movement of securities for primary financiers, secondary financiers and the issuer.