Investment in a small
business with annualised
return of 5.0 - 5.5%

Start to invest
01

6/12 months

Loan of term

02

200 $/€

Minimum investmen

03

Free payment card

With mobile bank

Sectoria is a mobile bank
with an international
crowdfunding platform

growth

Earn money

Earn 5.5% interest per year on loans to legal entities and 2% interest annually on the card account balance

key

Instant access to Investments

Have instant access to own investments and the possibility of early withdrawal with a yield of 1.8% per year

app

Fast account opening

Account opening is performed directly from a mobile phone and takes a few minutes.

01

Legal entities often require financing for expanding their range of products or services, increasing working capital or new procurements, yet they cannot be loaned due to complex and time-consuming banking processes. Sectoria helps to solve this problem.

02

Companies submit an application, which is evaluated by Sectoria according to many criteria. After, private investors are allowed to receive high returns by granting loans to legal entities that have passed the process of selection.

What does
Sectoria offer?

hand

Your money is always at hand

Manage your money on the card and investments in loans to legal entities directly from the mobile bank via App or a personal profile on the website

percentage

Profitability is higher than bank deposits

The rate of bank deposits in EUR or USD is 1-2% per year. The fixed return on the Sectoria portfolio before tax is 5% annually for the Euro and 5.5% for the U.S. dollar

deposit

Investing is easy

Contracts signing and allocation of investments among borrowers are fully automated and performed online directly from the Sectoria app

mastercard

Mastercard payment card with interest on the remaining balance

Pay and withdraw cash all over the world. You also get 2% per year on your remaining account balance. It is possible to open an account in both US dollars and Euros

calendar

Regular payments

Return from loans and % on the remaining balance of the account are paid every month

transfer

No hidden fees

Sectoria does not charge any commissions from investors. You can easily make a deposit by transferring from any bank

How do we ensure
safety?

Start to invest
01

Scoring

Sectoria undertakes to carefully check the projects that are placed. We select reliable borrowers using our own scoring technology and employ experienced underwriters.

02

Diversification

Investments are distributed to at least 15 companies. Problems with individual borrowers should not significantly reduce the overall profitability of the portfolio

03

Сollection of debts

If an individual debtor defaults, we will take over the collection of debts. Our collection center accompanies the debtors from the second day of default until the end of enforcement proceedings

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Warning! Sectoria is an investment platform that is not a member
of the deposit insurance system. Remember that any investment
is always subject to risk. Diversify your portfolio and make informed
financial decisions.

How to start investing?

Download the App

Download the App and register in a few steps. You will need to fill out a short form and to prove your identity and residence.

Top up account

Deposit money to your account with a bank card or wire transfer. The minimum loan amount is 200 euros/dollars.

Invest money

Invest in legal entity loans for 6 months or longer. You can always get your money earlier with a minimum fixed income.

Receive 2% per year

Money that is not invested remains on your MasterCard. You can always use it at any time and, also you will receive 2%* per year on the remaining balance.
* Just keep a minimum amount of 200€/$ on your card

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Instantly ready Bank Account, Virtual Card and International Card Delivery

Your payment card will be issued right after successful registration. You can start to use it on the Internet immediately. Physical plastic card with the same number will be produced in 24 hours and sent to you by international mail.

Bank account and card
service - for free

Get it now
01

0 €/month

Standart

02

Free

  • 24/7 Customer support
  • Euro IBAN account
  • Global express delivery
  • Free mobile bank
  • Free Introbank payments
03

Accepted worldwide

Including off-line purchases: on planes, cruise liners and recuring payments

Let your money
work for you

Loan on term Yield on remaining balance
Investment period 6 months 12 months termless
Profitability € $ € $ € $
4% 4.5% 5% 5.5% 2% 2.5%
Payment Periodicity monthly monthly on average day balance
Terms yield rate in case of early termination identification upon request of the clearing bank
€ $
1.5% 1.8%
Minimal amount (1 loan) - 200 euros/200 dollars minimum remaining balance of 200 euros/dollars

FAQ

  • Who can become an investor?

    Individuals older than 18 years are allowed to invest.

  • How to become an investor?

    1) Register in Sectoria App
    2) Top up card balance
    3) Open an investor account for at least 200 $/€

  • How much can I invest?

    You can invest from 200 $/€. There is no limit on the maximum amount of investment. The platform will allocate the amount automatically to the available requests.
    Investors are not able to choose a specific company to invest in.

  • When will I get the profit?

    During the term of the agreement, the borrower repays the body of the debt and pays interest in equal installments every month. You start earning from the first payments of the debtor.

  • How will I receive interest from the loan?

    You will receive monthly payments of interest from the loan you have placed on the platform.

  • How are borrowers selected?

    Before the loan is issued, all companies-borrowers undergo a solvency assessment by many parameters. At first, companies are checked through an automatic scoring system, then each company is thoroughly checked by a professional underwriter.

  • What are the risks for an investor?

    Sectoria is an investment platform. Investments are associated with risk and are not insured as deposits. However, we are interested in your high profitability: both borrowers and investors are required to make the service work and make profits. To ensure the return of the investor, we do three important things: carefully select the borrowers, diversify your risks, and collect debts if a default does occur.

  • Will I be able to return the invested money before the end of the loan term?

    Yes, it is possible. In this case, the interest income will be recalculated at the early termination rate 1,8% per year.

Sectoria, 2020
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