A lending marketplace built for trust
Novus Capital gives everyday investors direct access to vetted business loans across the European Union — the returns of private lending, held to the discipline of a regulated platform.
Why we exist
Good businesses need capital. Careful investors need better returns. We close the gap.
Across Europe, thousands of sound businesses are turned away by their bank — not because they can't repay, but because they don't fit a rigid template. At the same time, savers watch inflation erode money that earns next to nothing in a deposit account.
Novus Capital connects the two. Investors fund vetted business loans and earn interest directly; businesses receive the capital they were denied. No branch, no hidden spread — a transparent marketplace where both sides see the same terms.
We only earn when our investors do, so every loan on the platform has to clear the same bar. That discipline is the whole product.
Underwriting
How we vet a loan
4 Checks before a loan is listed
Credit history, loan-to-value, debt-to-equity and cash-flow coverage — every loan passes all four before it appears. That lowers the risk of default; it does not remove it.
- Credit history
We review the borrower's repayment record, outstanding obligations and trading history before a loan is ever listed.
- Loan-to-value
Every secured loan is backed by collateral worth more than the amount borrowed, so there is a real asset to recover against.
- Debt-to-equity
We weigh what the business already owes against its own capital — a borrower with its own money at stake is a safer one.
- Cash-flow coverage
Projected income has to cover the repayment schedule comfortably, not just meet it on paper.
- Provisioning
Loans are graded for risk, and a Provision Fund may contribute towards a shortfall if a borrower falls behind. Payment from it is discretionary and is not something to rely on.
Governance
The framework we work under
Novus Capital operates inside the European regulatory framework. The full detail lives in our legal documents; the essentials are here.
- JurisdictionEuropean Union · Bulgaria
- OversightFinancial Supervision Commission
- Data protectionGDPR compliant
- Identity & AMLKYC verified via Sumsub
Principles
What we stand for
Precision
Money likes precision. Every figure we show — rate, fee, risk — is exact, and we would rather under-promise than round up.
Transparency
You see each loan's terms, collateral and grade before you commit a single euro. No hidden spread, no surprises at withdrawal.
Alignment
We are paid when your investments perform, not when you sign up. Our incentive is your return.
Discipline
We would rather list fewer loans than lower the bar. A loan that doesn't clear underwriting simply doesn't appear.