Fee structure

  • Fees charged to borrowers are based on the risk band, type of loan and term to maturity.

  • Due diligence fee – 1% of the loan value up to a maximum of 20 000 CZK and subject to a minimum of 2 000 CZK. This covers the costs we incur to gather records from credit bureau and official government agencies.

  • Site listing fee – FREE! We don’t charge for listing your loan on our site.

  • Loan origination fees are charged only if and when your loan is funded and you actually decide to accept the loan offer. In other words – if you don’t get a loan, you don’t pay us!

  • DUE DILIGENCE FEE SCHEDULE
Type / Grade of Loan A B B
Minimum fee 2 000 CZK 3 000 CZK 4 000 CZK
Business Loan / Enterprise Loan 1,0 % 1,0 % 1,0 %
Development Loan 1,5 % 1,5 % 1,5 %
Maximum fee 10 000 CZK 10 000 CZK 10 000 CZK

  • ORIGINATION FEES
Type / Grade of Loan A B B
Business Loan / Enterprise Loan – 24 months 1,5 % 2,0 % 2,5 %
Business Loan / Enterprise Loan – 36 months 2,0 % 2,5 % 3,0 %
Business Loan / Enterprise Loan – 48 months + 3,0 % 3,5 % 3,5 %
Development Loan – 24 months 2,0 % 2,5 % 3,0 %
Development Loan – 36 months 2,5 % 3,0 % 3,5 %
Development Loan – 48 months 3,5 % 3,5 % 4,0 %

 

The material presented via this website is for informational purposes only. Nothing in this website constitutes a solicitation for the purchase or sale of any financial product or service. Material presented on this website does not constitute a public offering of securities or investment management services in any jurisdiction. Symfonie Capital, LLC is registered with the United States Securities and Exchange Commission and has elected to claim various exemptions from Investment Advisors Act of 1940 on the basis that it’s principal offices are outside of the US and it manages only private investments. Our ADV filing is publicly available. © 2015 Symfonie Capital, LLC.  Our wholly owned affiliate, Portia Investment Advisors, is regulated and authorised by the UK Financial Conduct Authority (reg. 582587).

Investing in Peer to Peer loans involves risks, including loss of capital, illiquidity, lack of dividends and dilution, and it should be done only as part of a diversified portfolio. The Investments presented in this website are suitable only for investors who are sufficiently sophisticated to understand these risks and make their own investment decisions. For further information see our discussion of investment risks.