For investors
Investing through Novus Capital
You lend money to businesses. Pick loans yourself on the primary market, or write rules and let autoinvest place your money as matching loans are published; offer your claims to other investors if you need out before term. Novus Capital arranges, prices and services every loan — it never lends its own money and it is never the borrower.
Risk
Your capital is at risk. A borrower may pay late, repay only part of what is owed, or default entirely, and you may lose some or all of the money you invest.
Read the risk disclosureInstruments
What you can actually do here
Primary market
What it does You choose individual loans from the marketplace and commit at the rate and term fixed when the loan is published.
When it helps You want to read each project yourself before your money moves.
Secondary market
What it does You offer your claim on a running loan to another investor and exit before the term ends.
When it helps You need your money back sooner than the repayment schedule returns it.
Autoinvest
What it does You set the rules — rate, term, loan-to-value, ticket size — and matching loans are taken up on your behalf as they appear.
When it helps You would rather not open the marketplace every day.
Bonuses and loyalty
What it does Cashback, loyalty tiers, referrals and a verification bonus are paid on top of what the loans themselves return.
When it helps You are working out your total return, not only the rate on the loan.
A sale on the secondary market needs a buyer at your price — there may be none. Loan-to-value, claims and the rest of the vocabulary are defined in the crowdlending glossary.
Profiles
Three ways people use it
None of these is a recommendation — they are the shapes the instruments above tend to take in practice.
- Your first time
- Start with a ticket you would not mind losing, spread it across many loans rather than a few, and let autoinvest place it on its default rules. Read a handful of projects anyway: you will want to know what you are reading before the amounts grow.
- Hands-on
- Work the primary market directly — read each project's numbers and its key investment information sheet, commit selectively, and use the secondary market to step out of a position when your view of it changes.
- Hands-off
- Write your autoinvest rules once, let them hold, and reinvest repayments as they arrive. You check in at an interval that suits you rather than at the pace of the marketplace.
Costs
What participating costs you
The fee schedule is published on the platform and the confirmed figures land here. Whatever they turn out to be, the fees that apply to a particular investment are shown to you before you commit to it.
- Tax
- Not withheld
- Currency
- EUR
Fees reduce what reaches you: a rate shown on a loan is a gross figure, before any fee, any loss and any tax. Charges your own bank applies to a transfer or a conversion are not ours. How your return is taxed depends on your circumstances and your country of residence — we do not withhold it and we do not give tax advice; your annual documents are in Statements.
Your controls
What stays in your hands
The outcome is not handed to you. These are the levers you operate, and they are the whole of what you control.
The size of each ticket
Nothing obliges a position to be larger than you want it to be.
How many loans you are spread across
Concentration is the risk you control most directly. Many small positions behave differently from a few large ones when one borrower stops paying.
Which loans, or which rules
Choose each project by hand, or write the rules autoinvest follows for you — and rewrite them whenever you like.
Whether to hold or to exit
The secondary market lets you offer a claim before its term ends. A sale needs a buyer, so treat it as an option, not as a guarantee.
What happens to repayments
Let them compound through autoinvest, or withdraw them as they arrive.
Money invested through Novus Capital is not a deposit. It is not covered by a deposit guarantee scheme established in accordance with Directive 2014/49/EU, nor by an investor compensation scheme established in accordance with Directive 97/9/EC. If a borrower does not repay, no scheme reimburses you.
Read the risk disclosureGetting started
What it takes to open an account
By default we treat you as a non-sophisticated investor — the category with the fullest protection. That classification is what puts the following steps between registering and your first investment.
You are 18 or over
Accounts are opened for individuals of legal age.
You reside in a country we can onboard
The accepted list is checked during registration, and it follows from sanctions and anti-money-laundering rules rather than from preference.
You pass identity verification
An identity document and a selfie, checked through Sumsub, our verification provider. Most accounts clear shortly after upload.
You take the entry knowledge test
Before your first investment we assess whether the service is appropriate for you, and we repeat that at least every two years. You also simulate a loss of 10% of your net worth, once a year.
You keep four days to change your mind
A first investment and a first autoinvest mandate can be withdrawn within four calendar days of committing — for any reason and at no cost.
You fund the account
Money transferred to your platform account sits there until you commit it to a loan. Client money is held separately from our own.
If a single investment would exceed the higher of EUR 1,000 or 5% of your net worth, we warn you and ask for your explicit consent before it proceeds.
Start
Read first, commit later
Registration takes minutes, and nothing is committed until you choose a loan or switch autoinvest on.