For business
Funding from investors who read the numbers
You apply, we assess the loan and set its terms, and it is published to investors on the marketplace. They fund it — Novus Capital arranges, prices and services the loan, but never lends its own money — and you repay on a schedule agreed before anything is published.
What you get
What raising it here gives you
- A defined path
- Your application moves through named stages with an answer at the end of each one. You always know which stage you are at, and a refusal comes early rather than after weeks of document collection.
- Security judged on what you have
- Property, equipment, receivables or a mix — assessed on loan-to-value and on what the business actually owns, not against a fixed list of covenants.
- Many investors, not one creditor
- Your loan is funded by a crowd of investors rather than by a single lender. Novus Capital arranges and services it; the money comes from the investors, and the loan agreement is between you and them.
- Your project in front of an audience
- A published project is visible to every investor on the marketplace — your company and what it is raising for, presented to people who read business numbers for a living.
Before you apply
Is this a fit for you
Check yourself against the list first. If one of these does not hold, the application will not get past the first screen — and you will have saved yourself the paperwork.
A registered legal entity
Funding goes to companies, not to private individuals.
Established in Bulgaria or the EU
The borrower is registered in Bulgaria or in another EU member state.
A trading history
The business is operating and has been long enough to show a pattern of revenue — not a pre-revenue idea.
Accounts for the last reporting period
Filed annual accounts, plus recent management figures and bank statements.
Security you can pledge
An asset the loan can be secured against — property, equipment, receivables or another form of cover.
No open default or enforcement
No unresolved default, insolvency or enforcement proceedings against the company or its owners.
Meeting every point does not mean the loan is approved. It means the application is worth assessing.
The process
From application to payout
Application
You send the form below: who the company is, how much it needs and what for.
Pre-screening
A first pass against the eligibility list. If something does not hold, we say so straight away rather than collecting documents first.
Underwriting and scoring
Credit and payment history, debt-to-equity, cash flow, and the security offered measured on loan-to-value.
Offer and terms
You receive the amount, term, rate and security the loan can be taken to investors with. Nothing is published until you accept it.
Key investment information and publication
The key investment information sheet is prepared for the loan, and the project is published on the marketplace.
Investors fund the loan
Investors commit to the loan until the target is reached. This is the stage that is not in anyone's hands but theirs.
Payout and repayment
Once funding closes the money is paid out, and repayments run on the schedule agreed in the offer.
Funding is not guaranteed. The loan is offered to investors, and what they commit can fall short of the target — if the minimum target is not reached, the loan does not go ahead. Novus Capital does not lend its own money and does not make up a shortfall.
Cost
What it costs, and what moves the rate
The rate and the fees are set for your specific loan and stated in the offer — before anything is published to investors, and with nothing owed if you decline it.
What moves your rate
The same business can be priced differently depending on what stands behind the loan. These are the factors that do the moving.
- Security and loan-to-valueMore cover behind the loan, lower rate
- Debt-to-equityMore borrowing against the owners' own capital, higher rate
- Credit and payment historyA clean record, lower rate
- TermThe longer the money is out, the higher the rate
- Size against turnoverA loan that is large for the business, higher rate
This section describes the factors that shape a rate. It is a marketing description of the approach, not the credit-risk assessment and pricing policy itself.
Apply
Send your application
Tell us who you are and what you need. Nothing is published, and no document is requested, until we have read it.
What to prepare
- Company registration and current ownership
- Annual accounts for the last reporting period
- Bank statements for the recent months
- Details of the security you can pledge, with valuations if you have them
- Identification for the owners and directors (KYB / UBO)
Do not attach anything here. We ask for documents by email once the application is past the first screen.