Participate · Bond fund
Bond fund, lending to a common fund.
Understand lending to a common fund: a rate, a term, interest every month.
In short
You lend money to a common fund that finances organizations that already have revenue. In return, you receive interest every month, and your money comes back at the end of the term you chose.
First, a few words
- A bond is a loan. The borrower commits to paying interest and repaying the sum on a set date.
- The coupon is the interest paid regularly, here every month.
- The rate tells you how much the loan yields over one year.
- The term is how long the money stays placed: 1, 3 or 5 years.
How it works
- You place your money in one step: you choose the amount, the term and the payment method, and you sign a single agreement.
- The term is 1, 3 or 5 years, at 6, 12 or 18% per year: the longer the term, the higher the rate.
- Your placement opens once Semilla has confirmed your payment. After that, each month, a coupon arrives in your platform wallet; you can withdraw it.
- At the end of the term, your capital comes back in 1, 3 or 5 monthly payments.
- Leaving before the end is a request, not a right.
The rule that protects
A coupon is never paid with money from later placements: it is paid by what the funded organizations produce, and its origin is shown. That is what sets a sound fund apart from a chain that collapses.
Who the fund finances
Only organizations that have revenue: under construction with a secured market, or operating. The longest terms are reserved for operating organizations, the most solid ones.
The terms
The coupon schedule, the entry fees for each payment method and the agreement are presented to members before any decision.
The fund promises a rate without guaranteeing it: if the organizations do not pay, coupons may be missed. Read Risks and taxes before any decision.