By activating this option, the system will participate on your behalf in all commercial instruments which are published with the amount and return requirements, and term and risk level that you have previously set.

It only invests in commercial instruments that meet your requirements.

Automatic investment allows you to access new commercial instruments that appear before manual investors. You can stop automatic investments at any time.

Yes, the technology platform developed by Inversa Invoice Market is very useful for designing investment strategy. Also, of course, for companies in the real economy when it comes to finance invoices.

Especially in an era where the combination of access to data, speed and reliability is key to measuring the success of investments.

The invoices or promissory notes will be published on the platform, deleting all protected confidential information.

Additionally, we request verification by the drawee (company obliged to pay) of the authenticity and conformity of the same.

This way we offer total transparency and reliability for the investor.

The procedure with negotiable promissory notes is carried out by means of an endorsement whereby the holder of the promissory note transfers all the rights derived from it, becoming from that moment an exchange obligor.

On the other hand, both in the case of non-negotiable promissory notes and invoices, there is an ordinary credit assignment, transferring the corresponding payment rights. This assignment is carried out by means of reliable communication to the debtor, and it is from that moment that the funding operation can be carried out.

To carry this out it will be necessary to inform us in writing via email.

The investor always has and will have maximum flexibility and independence in its acquisitions, because until its final acceptance there will be a time period in which the investor can modify or withdraw it at no cost. Our system makes final acceptances at 12 noon each day, “closing time”, the moment from which the conditions can no longer be withdrawn or modified.

Any individual of legal age or legal entity holding a bank account in Europe.

The tax treatment of capital gains is applied to the returns, for the difference between the amount redeemed and the net amount invested, resulting from discounting the amounts received in advance from our investment.

Based on the fact that in the assignment of credits by which we communicate to the debtor their obligation to pay the assignee entails that, at the time of payment, this is made by a third party (the debtor) and not by the assignor, which implies its treatment as a capital gain.

Inversa as a platform does not apply withholdings amounts.

For simplicity purposes, in our tax summary we provide you with the added values that you can include in your income statement

Inversa does not accept deposits directly. In compliance with current legal regulations regarding management of third-party funds, funds are safeguarded in segregated accounts in the name of each client through Paymatico Payment Institution, S.L.U, an independent Payment Entity which offers secure payment solutions for financing platforms and their clients.

At no time does Inversa have direct access to clients’ money, so that even in the hypothetical case of suspension of activity by Inversa, investors could recover their funds directly from the Payment Entity.

What is Paymatico Payment Institution, S.L.U?

Paymatico is registered as a Payment Entity in the Spanish Central Bank (Banco de España) with number 6861 and address at Paseo de la Castellana 77, 28046 Madrid (España).

Paymatico acts as a service provider for Inversa and its clients, offering a payment gateway, management of deposit accounts or “escrow”, bank transfer services and refund management.

Why doesn’t INVERSA need authorisation from the CNMV to carry out its intermediation activity related to the alternative funding of SELF-EMPLOYED PROFESSIONALS AND SMEs?

Both the Spanish National Securities Market Commission (CNMV) and the Spanish Central Bank (Banco de España) have stated that the discount activity of promissory notes and invoices is free but that the Participatory Financing Platforms considered in the promotion of business financing law, “Ley 5/2015, de 27 de abril, de Fomento de la Financiación Empresarial”, cannot carry it out because their corporate purpose is limited, in the case of debt funding, to loan funding.

INVERSA does not need authorisation from the CNMV as a Participatory Financing Platform because its activity consists in the intermediation of SMEs funding , through the advance payment of invoices and discount of promissory notes, which is therefore a free activity.

INVERSA complies with all current regulations related to money laundering, electronic commerce, payment methods, consumer and user protection and personal data protection.

The secondary market is the place where investors can offer their investments for sale to other investors registered on the platform

Investors who sell commercial instruments on the secondary market benefit from the following advantages:

• more liquidity in their investments, allowing them to access funds more easily.
• the possibility of making a profit by selling the investments at a premium.

Advantages for investors who buy commercial instruments in the secondary market:

• the possibility of investing in commercial instruments that are not available in the primary market.
• the possibility to benefit from buying discounted commercial instruments.
• friction reduction.

When you decide to sell your investment on the secondary market, you can do so at a premium, at par value or at a discount.

Selling at par value (0% discount / premium) means that an investment with a value of 100 euros can be bought for 100 euros.

Selling at a premium (e.g. 4%) means that an investment worth 100 euros will cost 104 euros.

Selling at a discount (e.g. 4%) means that an investment with a value of 100 euros will cost 96 euros.

Factoring is a financial tool that allows companies to advance the collection of their invoices, obtaining immediate liquidity without waiting for maturity. Through platforms like Inversa, investors finance these invoices and receive a return in exchange. This process helps both SMEs and investors meet their liquidity and investment needs.

Investing in invoice advances with Inversa offers numerous advantages: it is a secure investment, backed by commercial invoices and insured in many cases. Additionally, it allows investors to diversify their portfolios, earn short-term returns, and contribute to the growth of small and medium-sized businesses.

At Inversa, SMEs upload their pending invoices, and investors choose to finance these invoices in exchange for a return. Once the debtor pays the invoice, the investors receive their invested capital plus the generated interest, in a transparent and automated process.

Starting to invest in factoring with Inversa is simple: register on our platform, verify your profile, and select the available invoices to finance. You can invest in invoices from various SMEs and earn a fixed return once the invoices are paid.

At Inversa, risk is controlled by financing commercial invoices, many of which are insured. The return depends on the payment terms and the debtor company's profile, with yields higher than traditional financial products such as bank deposits.

Crowdfactoring is a collaborative investment model where small investors finance company invoices through platforms like Inversa. This type of investment is a secure and transparent alternative, offering attractive short-term returns with limited risk.