How it works

Getting Started

What is iuvo?

Iuvo is a Peer-to-Peer lending marketplace that allows investors to invest in loans originated by registered non-bank lenders. This model offers investors attractive returns while it allows originators to leverage the P2P model to support their activities.

How do I become an Investor with IUVO?

You must fill in the registration form on iuvo-group website.
After the account has been verified, deposit the desired amount of money to your Investor’s Account by transferring it to the bank account provided

What documents am I required to submit?

For the private person to become an investor in iuvo you need to send us a color copy of both sides of your ID card or passport and to have a bank account within the EU or third countries that are currently considered as having equivalent AML/CFT systems to the EU.

For the companies the required documents are:
– Scanned copy of your passport or both sides of your ID card;
– Certificate of current legal status – translated in English;
– Information for UBO / actual owners– translated in English;
– Company’s articles of association– translated in English.

Who can invest through IUVO?

Iuvo is open to individuals and to entities to open accounts as investors.
Individual investors must be at least 18 years old, have a bank account in the European Union (or third countries that are currently considered as having equivalent AML/CFT systems to the EU), and have their identity successfully verified by iuvo’s back office team.

Legal entities must have a bank account and be registered in the EU or third countries that are currently considered as having equivalent AML/CFT systems to the EU.

What is the minimum amount that can be invested?

The minimum amount is 10 BGN lv or 10 EUR by primary market depends of the loans’ currency.

Who are the end borrowers?

The end borrowers are clients of the loan originators that have signed loan agreements with them.
Investors on iuvo can see certain information about the borrower in the details of each loan. For security reasons and to obey the data protection law, we do not reveal the borrower’s name or address.

What fees are applicable

Our business model allows us to operate with minimum fees for the investors.
As we’re entering the market we are willing to go a step further and provide a limited time offer with absolutely no fees for invesing.
Only fee in iuvo is for selling on secondary market – 1% of the amount.
Please be aware that this does not include any fee you may be charged by your bank when transferring funds in or out of your account.

What is loan originator?

Loan originators are non-banking financial institutions that are regulated by their respective national financial regulators. These entities give out loans using their own funds, unlike banks who use money attracted through deposits.
Loan originators that list loans on iuvo are companies with strong reputation and history which have proven processes for loan management, risk assessment and collection.

Who are the end borrowers?

The end borrowers are clients of the loan originators that have signed loan agreements with them.
Investors on iuvo can see certain information about the borrower in the details of each loan. For security reasons and to obey the data protection law, we do not reveal the borrower’s full name or address.

How is IUVO regulated?

Iuvo is regulated by the appropriate legislative acts of The Republic of Estonia. Iuvo Group OU is a regulated credit intermediary by the Estonian Financial Supervision Authority.

How are IUVO investments taxed in Estonia for a private person?

The income tax rate in Estonia is 20%. In peer-to-peer lending the yearly declaration consists of:

1. Earned interest (received interest payment from the Borrower)
2. Earned interest from defaulted loans
3. Secondary Market capital gains

Please, note that IUVO shall not provide tax, financial or legal advice. We recommend that you consult your financial or tax adviser if you have any questions.

How are returns taxed?

The profits earned through IUVO are in general taxed based on the gross interest received and the residency of the investor. Please, declare interest income to your local authority in accordance with the law and check with your local tax authority if, how and when you need to report your income.

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