How to invest in loans to Spanish companies safely

We are in an environment where economic uncertainty sets the pace of the markets, and it is therefore not surprising that many investors wonder about the possibility of earning returns without taking unnecessary risks. The good news is that there are alternatives that are becoming increasingly established outside traditional channels, one of which is investing in loans to Spanish companies.

It is a very interesting option as it allows you to support the productive sector while generating income in a predictable way with controlled risk. To show you its full potential, at Inversa we have prepared this comprehensive guide to explain how this alternative works and how you can start investing in it safely.

What does investing in company loans involve?

When investing in business loans, you are lending your money to an SME or company in exchange for an agreed return. Unlike stock market investments, here you know all this information from the start:

• The company you are financing
• Why it needs the funding
• What your return will be
• When you will recover the invested capital

This form of investment has consolidated in Spain under the name crowdlending. It is a model that democratizes access to financing for companies while allowing investors to obtain stable returns without being exposed to market volatility.

If you want more information on this financing model, we recommend checking our article on what crowdlending is, how to invest, and everything you need to know.

What types of loans can you finance?

Going deeper into crowdlending, you should know that there are different types of loans you can finance for a company. On platforms like Inversa, we give full access to different short-term financing options used by real companies to cover operational needs and, of course, always ensure full transparency with the investor.

• Invoice advances - Companies receive payment for an issued invoice before its due date. The investor advances this money in exchange for a fixed return.
• Promissory note discount - Works similarly to advances. However, in this case, what is discounted is a promissory note received by the company.
• Factoring with or without recourse - This option allows companies to convert their accounts receivable into immediate liquidity. The investor participates by financing this operation.

These solutions are used to cover working capital, pay wages, or invest in operational activity. All this without needing to rely on traditional bank loans. The important thing is that all operations are backed by commercial documents, which significantly reduces the risk.

What returns can you expect from crowdlending?

It is important to note that returns vary depending on the type of operation, the company profile, and the term. At Inversa, published opportunities usually offer between 5% and 9% per year (this being the estimated return), and maturities range from 30 to 180 days.

The interesting thing is that you can reinvest the capital as it is released, generating a compound interest effect that improves your total return in the medium term.

Is investing in company loans safe?

For investors who are interested in crowdlending for the first time, it is natural to wonder about safety when investing in loans. At Inversa, to ensure a secure investment, we apply a rigorous analysis and validation process before publishing any opportunity. This is the process we follow:

• We study the solvency and payment behavior of each company
• We verify the authenticity of documents (whether invoices, promissory notes…)
• We assess the risk of default
• We establish financing limits

Additionally, it is the investor who decides which operations to participate in, how much to invest, and with what level of diversification. This decision is very important, and we ensure that investors always have full control over their investment.

What risks should you consider before investing in crowdlending?

Although it is one of the most stable investments, much more than other alternatives, it is not risk-free. In fact, it is extremely important to highlight that there are no risk-free investments. Below, we highlight some risks to consider before investing:

• Company default - For this reason, we conduct a study and select operations with a solid profile and documentary guarantees.
• Lack of immediate liquidity - Invested capital is recovered at maturity, not before.
• Concentration risk - For this reason, we recommend diversifying your investment across multiple operations and sectors.

The good news is that these risks can be managed, especially if investing with transparent platforms with experience that care for the investor at all times. This is a philosophy we follow from start to finish at Inversa.

How to start investing in company loans at Inversa?

Investing through Inversa is simple and designed so that anyone, without advanced financial knowledge, can participate in company financing with total peace of mind.

To start investing, you only need to:

• Register for free on the platform.
• Check active opportunities.
• Select the available operations that suit you best.
• Invest from small amounts.
• Receive your interest and recover your capital at maturity.

Additionally, if you want to automate your investments, you can do so with our automatic mode, setting your preferences for return, term, and type of operation.

Not only that, but we also advance the benefits of your first investment. This differentiates our platform from the competition, ensuring full confidence in our service.

Invest in the real economy and grow your money

At a time when deposits barely offer returns and the stock market may create more doubts than certainties, investing in company loans presents itself as an efficient, safe, and profitable option.

With Inversa, at all times you are the one who chooses where your money goes. You can support Spanish companies that need financing while growing your wealth through short-term operations with controlled risk. Ready to invest with sense, safety, and profitability?