Investing with Nibble
Flexible Investment is our new universal product, meant for beginners and experienced investors. Choose an investment strategy according to your preferences in income and risks. Go ahead! All the rest is already automated for you.
We can offer you three investment strategies: Classic, Balanced and Legal. They differ in the level of annual income, the degree of risks and how they are distributed between the investors and companies attracting investments. Compare our strategies and choose the most appropriate one for yourself.
Even if you have no investment experience, try our investments with a secure income. We will take the risk for you.
If you are already an experienced investor, choose a comfortable strategy in terms of a risk-income ratio. We will share the risks with you.
Secure incomeClassic Strategy
You invest in unsecured consumer loans classified as AA, A, BB, for which the borrower's risk of going into a payment delay is very low. With the buyback guarantee, you are protected from risks and receive a guaranteed income at a fixed interest rate.
1–6 monthsinvestment period
€10–10,000amount of investment
€50minimum withdrawal amount
8 %fixed annual interest rate
aa–a–bbNPL classification 22 %of our investors choose this strategy
Risk of non-repayment of the loan/violation of the repayment schedule/non-return of the entire loan amount due to repayment
These investor risks are secured by a buyback guarantee of the received assets and interests. Let's take a closer look at how it works: the Nibble investor, choosing this strategy, invests in loans issued by the companies of the IT Smart Finance group, which are available on the day of investment. The holding company places the given loan on the Nibble platform to find an investor. The relation between the IT Smart Finance group of companies and the final borrower is governed by a short-term consumer loan agreement with the rights of claim against the borrower arising from it. Based on the Assignment Agreement made with the investor, Nibble assumes obligations to receive payments from the final borrower made to the IT Smart Finance group of companies under short-term consumer loan agreements and then pays them out to the investor in the manner and amount established by the Assignment Agreement. If the borrower does not repay the loan on time or extends the loan repayment period, IT Smart Finance group of companies will buy back the investor’s rights to claim in the amount of the invested sum as well as the guaranteed interest income on the investment.
High income for patient investorsLegal Strategy
The litigation and recovery process takes a long period of time, so the minimum investment period is 6 months. The litigation and collection management is provided by Boostr.
6–60 monthsinvestment period
€10–10,000amount of investment
€50minimum withdrawal amount
NPL 30–90predicted default rate
11-14,5 %current annual interest rate
13 %of our investors choose this strategy
Risk of non-repayment of the loan/default of the entire loan amount
- The strategy comes with the deposit back guarantee – this is the obligation of the collection agency to return the full investment amount at the end of the investment period and ensure a minimum yield of 8% per annum.
- Due to investment into a portfolio consisting of a large number of loans, the risk of not receiving income from several contracts is reduced as they are covered by other loans.
- Daily interest accrual at 8% per annum, payouts every 90 days according to the actual received yield up to 14.5% per annum.
- During the fundraising process for a portfolio purchase, we accrue income at 8% per annum. This is your bonus yield to the main one that goes up to 14.5%. The maximum term for fundraising to purchase a portfolio is 30 days.
How does it work?
You earn daily interest at a rate of 8% per annum. Every 90 days we automatically calculate the actual yield of the portfolios and grant you the difference between the guaranteed rate of 8% and the actual rate. Thus, every 90 days you receive an income ranging from 8% to 14.5% to your Nibble account.
Example: By investing 1000 euro for 12 months, at the end of the term you get back your entire capital of 1000 euro and income of 80 to 145 euro, which we pay you every 90 days.
Balanced risksBalanced Strategy
These are investments in consumer loans classified as BB, B and CC. As a rule, the degree of risk of non-repayment of a loan under this strategy is minimal though NPL 30 and NPL 60 might occur. However, they are nearly always paid back. The default risk for this strategy is low, but the income is significantly higher than that of the strategy with fixed income.
7–60 monthsinvestment period
€100–10,000amount of investment
€50minimum withdrawal amount
NPL-30predicted default rate
12-12,5 %current annual interest rate
bb–b–ccNPL classification 65 %of our investors choose this strategy
No security
Under this strategy, investments are not protected by a buyback guarantee and are not insured in any of the state funds. In the event of a loan default by the borrower, the investor bears the risk of losing the invested money or part of it.
The risk of making a profit at a rate lower than expected, or no profit at all
Nibble does not guarantee any profit from this strategy. The investor buys the rights of claim against the final borrowers. The receipt of interest income directly depends on the borrowers' fulfilment of obligations to repay the loan. If the borrower does not repay the loan partly or in full, the investor may not receive the interest component of the income or the terms for the return of the invested amount and the accrued income will inevitably increase.
The actual rate of return for this strategy exceeds the maximum declared rate of 15%. The income generated on top of that is not owned by the Nibble platform and is reinvested to reduce risks and achieve the declared return rate.
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