Ühisrahastusvõlakirjad

Ühisrahastusvõlakirjad, also known as crowdfunding bonds, are a type of debt security offered through crowdfunding platforms. In this model, a company or project seeks to raise capital by issuing bonds to a group of individual investors. Instead of borrowing from a traditional financial institution, the issuer taps into a pool of smaller investments from a wider audience.

These bonds function similarly to traditional corporate bonds. Investors lend money to the issuer for a specified period and receive regular interest payments. At the end of the term, the principal amount is repaid to the investors. The key difference lies in the distribution and accessibility of these debt instruments, which are facilitated by online platforms that connect issuers with potential lenders.

Platforms typically screen issuers and manage the administrative aspects of the bond issuance, including marketing, investor onboarding, and payment processing. Investors, in turn, can access a range of investment opportunities that might not be available through conventional channels. However, like all investments, ühisrahastus võlakirjad carry inherent risks, including the possibility of default by the issuer, which could lead to the loss of invested capital. Diversification and thorough due diligence are therefore crucial for investors participating in this market.