How much you need to invest in crowdfactoring to generate €300, €500 or €1,000 a month

With Inversa's current average return on crowdfactoring (9.22% annual, live platform data as of September 2026), you need approximately €39,046 to generate €300 a month, €65,076 for €500 a month, and €130,152 for €1,000 a month, before tax. These are gross, indicative figures: they depend on the average return holding steady, which is never guaranteed. Here's where each number comes from, what you keep after tax, and how to get there if you don't have that capital today.

How we calculated these figures

The maths is simple: capital needed = (monthly income you want × 12) / annual return. We use 9.22%, the average return on crowdfactoring operations — financing invoices already issued by SMEs, where you get paid once the debtor settles the invoice.

It's a cumulative historical average, not a promise of future returns, and it's a live figure: it changes with every invoice that closes on the platform. Every figure in this article moves if that return moves, so it's worth checking it against the counter on the website from time to time.

The table: capital needed for €300, €500 and €1,000 a month

One important nuance: crowdfactoring operations are repaid over terms of between 30 and 180 days, not exactly once a month. The way to turn this into real monthly income is to diversify across many operations with staggered maturities, so several fall due each month and the flow evens out. With a small amount of capital and few operations, the income will be more irregular.

What you actually keep after tax

Crowdfactoring returns are taxed as investment income, within Spain's savings tax base (IRPF). In 2026 that base has brackets of 19%, 21%, 23%, 27% and 30% (the last one from €300,000 of savings base). The exact bracket that applies to you depends on your entire savings base for the year, not just these returns, so the following figures are indicative:

• €300 gross a month → between €237 and €243 net, depending on bracket
• €500 gross a month → between €395 and €405 net
• €1,000 gross a month → between €790 and €810 net

If you want to understand these brackets better and how to optimise your taxes, we have a specific guide on how to pay less income tax. This doesn't replace advice from a tax advisor for your specific situation.

You dont need to start with all the capital at once

Almost nobody starts with €39,046 saved up. It's more common to build that capital through periodic contributions, reinvesting what they generate instead of withdrawing it each month.

An example: someone who contributes €300 a month and reinvests the returns at 9.22% annual takes, roughly, about 7.5 years to accumulate the €39,046 needed for those same €300 a month to start generating themselves, without further contributions. The calculation doesn't discount the effect of taxes on what's reinvested each year, which in practice would stretch the timeline somewhat. You can run your own simulation, with your own contribution and timeframe, in Inversa's compound interest calculator.

The real risk of crowdfactoring

Crowdfactoring isn't risk-free, and we don't present it as such. The main risk is that the company owing the invoice pays late or doesn't pay at all. That's why how you spread your capital matters, not just how much:

• Diversify across many different operations and companies, rather than concentrating capital in a few invoices.
• Check the term and sector of each operation before investing; not all invoices carry the same risk profile.
• The average return already factors in the non-payments and delays that have occurred so far — it isn't a "clean" risk-free figure, but the net result of having taken that risk on.

Investing through Inversa carries 0% commission for the investor and a minimum of €20 per operation, letting you start diversifying without needing much capital to begin with. Investor funds are managed by Paymatico, a payment institution authorised by the Bank of Spain (No. 6,861).

Start building your monthly income

You don't need the €130,152 on day one to start getting close to €1,000 a month: you need to start investing, diversify from the first euro, and let time do the rest. You can check our investment strategies to decide how to allocate your capital, or read about how to live off €300,000 if your goal is a specific capital sum rather than a monthly income. And if you're looking for the conceptual starting point, here we explain what financial independence is and how to build it step by step.