General Questions

General Questions

What is peer-to-peer investing?

Peer-to-peer investing (P2P) is financing a project or a fundraising endeavor from a large group of people. It is more often managed by a specialized internet platform, such as iuvo.

What is iuvo and how does it work?

Iuvo was founded in July 2016 as a P2P platform, which allows its users to invest in loans, granted by credit companies (originators). The investors can make a motivational profit, and the originators benefit by the extra funds to help them expand their business. After the loan is granted by the originator, it is uploaded on iuvo, where the investors can see it and choose to invest in it. The investor makes profit from the interest payments.

In case the borrower stops paying the loan, the buyback guarantee activates and the investor gets their remaining principal back.

How is the platform regulated?

Iuvo Group OŰ is a company, licensed by the Financial Supervision Commission of Estonia, according to Decision № 4.1-1/133 of the Management board of the Commission. Iuvo Group OŰ is a regulated credit intermediary by the Estonian Financial Commission.

Iuvo is a member of Finance Estonia as a crowdfunding platform and licensed credit intermediary. The license is issued by Estonian Financial Supervision Authority (Finantsinspektsioon Estonia) in 2017 and one of our good business practices includes reporting to this institution every three months.

What is a credit originator?

The loan originators are regulated non-bank financial institutions. These companies loan money with their own funds, unlike the banks, which fund credits with the deposits of their clients.

The credit originators in iuvo are companies with good reputation and long history. They are standard-makers for granting and managing of loans, risk assessment, and debt collection on their respective markets.

Iuvo is the p2p platform with the strictest due diligence process for adding new originators.

What is a buyback guarantee?

The buyback guarantee is a requirement for every originator on iuvo. In case the borrower stops paying their loan, the originator buys the remaining invested sum back. Every originator offers specific terms which are available at our loan originators page.

What is a group guarantee and is there such on iuvo?

The group guarantee is to support the companies, part of a holding, with financial and other resources with the goal each of them to grow and to improve its financial results.
On iuvo there is a group guarantee for all loan originators part of Management Financial Group.
Thanks to the group guarantee, in the unlikely event of insolvency, the investors will keep receiving payments for the loans in the same way they did until that point in time but they will not be able to invest in new loans of this originator.

Who are the borrowers?

All loans on the platform are already granted to the borrowers and are based on contractual responsibilities.

Iuvo’s investors can access certain information about the borrower of each loan. Due to security measures and the mechanism by which the P2P platforms function in Europe, the borrower’s identity is not revealed.

The score class determines the probability of the borrower to stop paying off their loan (default probability).

Why should I invest in iuvo?

Since its start in 2016 iuvo shows stable growth and offers the opportunity for permanent long-term yield. The main advantages are:

–  You don’t need financial experience or special skills to start investing. Our service is for people that want to generate passive income.

–  Most of our investors use the platform as a bank deposit alternative. Yield is higher and it varies between 5% and 19% on annual basis.

–  No minimum amount to start. You can regularly increase your funds.

generated profit from the platform is taxed according to the law in the investor’s country of residence. The platform does not form a Tax report for the investors but will gladly cooperate with the needed information and reports about the generated income. File your Tax report to the local tax authorities according to the order of the country you live in.

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