SUSTAINABLE LOANS
Put your savings to work for a better world
Through Bolsa Social's sustainable loans, anyone can lend their money to social impact enterprises and obtain a financial return. A new impact investment product to boost ethical companies with social and environmental values. Are you joining the change?
Why invest in Bolsa Social loans
Because you will become an agent of change
In Bolsa Social you become an impact investor, making a conscious use of your money and supporting companies that create a positive impact on society and the environment.
Because it is profitable
You can earn between 2.5% and 8% annual returns, depending on the risk and term of the project.
Because it is very easy
You lend your money directly to the companies, in a transparent, quick and easy manner.
Invest in just 4 clicks!
Because we are rigorous
We are authorised by the CNMV. We carry out an in-depth analysis of the companies that we publish in accordance with our rating system.
Types of loan
Ordinary or senior loans
These are ordinary loans, similar to those made by banks. There is a repayment term, an interest rate and collateral in each case (if any). They are on an equal footing with the rest of the company's loans. They have a lower profitability because the risk in this type of project is lower for the investor.
Equity loans
These are special loans. They have a fixed interest rate and a repayment period, but they can also have a variable rate depending on the company's results. They have a higher risk than ordinary loans, because they are subordinated debt. They have a lower rank than ordinary loans, i.e., in the event that the company is liquidated, the participating loans would be collected after them.
Convertible notes
These are loans that have the particularity of being converted into shares in the company in certain cases. They have special repayment conditions. These conditions are specified in each loan.
How does a loan work at La Bolsa Social?
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Register and access all loans
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Register in Bolsa Social. It is simple and free! Do not forget to complete all your personal information in your account.
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Access all lending opportunities in social impact and environmental enterprises. All of them have passed a rigorous risk analysis, which results in a rating from 1 to 8.
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We provide you with all the information you need for your investment decision. At Bolsa Social we are committed to transparency.
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Through the investors' forum, you can ask questions about the project and resolve any doubts that may arise.
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Before investing, find out about the risks and get expert advice if you have any doubts.
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Select the right loan for you
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Invest with rigour. All projects have been analysed by our risk analysts, an analysis whose result is reflected in a rating from 1 to 8, which indicates the risk level of each opportunity.
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Invest safely. As with equity investments, your funds will be deposited into an escrow account at Triodos Bank, waiting for the term to expire or for the target to reach the maximum target.
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Select loans according to your risk aversion: Thanks to the rating of each loan, you can invest only in the opportunities in which you feel comfortable according to your investor profile.
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Diversify your portfolio. Invest in several loans and you will reduce the risk of your investment.
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Start earning returns
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As soon as the term ends or the loan reaches the target amount, the loan will be formalised before a notary and the loan repayment period and interest will begin. Remember that if the goal is not reached, your funds will be returned to you in full.
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From your personal account you will be able to access all the information and updates of the loans in which you participate. Soon, we will activate you a personal wallet where you will receive your interest payments according to the established terms, which you can withdraw whenever you wish or reinvest in new investment opportunities in the Bolsa Social.
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Tell the world about it! Share your projects on social media and help spread the word about impact investing.
Do you have questions??
If you have any questions, you can access the FAQ section or contact us directly - we're here to help!
Very important notice
At Bolsa Social we want you to be well informed about the risks involved in investing in corporate loans. These are some important aspects to keep in mind:
1 Your investment is not guaranteed. La Bolsa Social is neither an investment services company nor a credit institution; and it is not affiliated to any investment guarantee fund or deposit guarantee fund. any investment guarantee fund or deposit guarantee fund. This implies that if things do not go well for the company, you may not get the return you expected; even in a worst-case scenario (e.g. if the company goes bankrupt), you may not get the return you expected. (e.g. if the company goes bankrupt), you may lose all or part of the money you are investing. This risk is reduced by investing in different operations, thus achieving a diversified investment portfolio.
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2 You invest at your own risk. La Bolsa Social is not responsible for borrowers' debts or the loss of value of a loan. loss of value of a loan. Nor do we make any guarantees or representations as to the ability of borrowers to repay their loans, including their risk rating. ability to repay their loans, including their credit rating.
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3 Bolsa Social does not modify information submitted or published by a borrower. This information is intended to be informative and the investor must form his or her own opinion about the creditworthiness of the borrowing company, and conduct his or her own research or analysis. If necessary, you should seek your own independent financial advice.
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