Loan Originators list loans issued to the borrowers on the marketplace. Investors are free to choose between different loans and volume they want to finance. Different Loan Types with various maturities and returns allow Investors to create their investment portfolio according to their strategy. You can either invest manually by browsing through the market or you can set up an Auto-invest portfolio investing according to your chosen criteria.

To open an investor account you need to fill out the registration form by providing your personal details and contact information.

To become an investor you need to be at least 18 years old, be a resident of a European Economic Area (EEA) country and have a bank account in your name opened in an EEA country. An individual is recognized as a resident if he or she is a citizen, has a residence permit or is registered as a tax payer in an EEA country.

You can transfer money to your investor account from your personal bank account registered in the European Union. Transfers in EUR can be done easily and at low cost using SEPA (Single Euro Payments Area) transfers.

You can only transfer EUR currency to your investor account.

You can withdraw available funds that are not invested in any of the loans. Withdrawal can only be transferred to the personal bank account from which the deposit was made. Moncera processes the order and transfers the money to the Investor bank account within 2 working days. The minimum withdrawal amount should not be less than 5 Eur.

The easiest way to change your bank account is to make a control payment from your new bank account to your Moncera account. You can transfer as little as €0.01. All bank accounts used to transfer money to Moncera will be registered in your profile, so you will be able to choose between any of these accounts when requesting a withdrawal.

Yes. Information about the origin of funds of our investors shall be obtained in accordance with the AML legal regulation. The Investor shall provide this information during the identification process.

You need to have available funds on your Moncera Account to invest in loans. Later you can invest either manually or by using Auto-Invest function.

The minimum amount for one investment is 10 Eur.

Yes, overdue loans generate the same interest per annum and is counting for all delayed period - till the borrower makes a repayment or till the Loan Originator executes buyback, depends on what happens first.

Investors with Estonian Tax residency are subject to 20% income tax. We deduct the income tax automatically from interest payments. The information about earned interests will be passed to the Estonian Tax and Customs Board. However, we do not deduct taxes from foreign private investors. It is investors sole responsibility to pay all taxes arising from the income gained by using Moncera platform. Taxation of income for each investor is based on legislation of the respective country where the investor is a tax resident.

The existence of Buyback guarantee for a particular loan means that in case the borrower delays the current payment for the loan for a period exceeding 30 calendar days, the respective Loan Originator is obliged to immediately buy back their shares at the purchasing price, including accrued interest.

Investor has a right to SELL a loan to the Loan Originators at any time by using our One click Exit function. Click on "SELL" button on the Portfolio section to withdraw from the Assignment Agreement and the money will appear on your Moncera account instantly.
Important to note that Investor will be charged for selling a loan before the maturity date (0,5% of the selling value) and the interest accrued ("the interest calculated between the last payment and the moment of sale") so far will be cancelled.

Moncera offers a 14-day 'cooling-off period' to the Investors. During this period the Investor has a right to withdraw from the Assignment Agreement without any charges and gets a full refund on investment. Click on "SELL" button on the Portfolio section to withdraw from the Assignment Agreement. *Note that You lose only ACCRUED interest i.e. the interest calculated between the date of investment and the moment of sale.

Investor has a right to SELL a loan to the Loan Originators at any time (One Click Exit). Click on "SELL" button on the Portfolio section to withdraw from the Assignment Agreement and the money will appear on your Moncera account instantly.

Important to note that Investor will be charged for selling a loan before the maturity date (0,5% of the selling value) and the interest accrued ("the interest calculated between the last payment and the moment of sale") so far will be cancelled.

Auto-Invest is an advanced investing tool that allows you to create an investment portfolio based on custom set criteria. Auto-Invest is a very efficient tool for saving time spent on investing activities. What’s more, with Auto-Invest you are guaranteed to have a diversified portfolio and if you need to, you can pause, edit or cancel Auto-Invest at any time. You can also use our reinvest option. It means that all available funds which you receive after investment will be reinvested in available loans according current auto-invest strategy.

Yes, even if you have an active auto-invest strategy, you are still able to make manual investments.

Auto-Invest feature is developed to help you invest more efficiently. Moncera does not charge you any extra fees for using it.

Not enough available loans on the market matching your investment criteria.