With ITSAL-INVEST, become actor of your savings !
Millions of people save money regularly but how many are those who truly know the destination of their savings?
The interest rates of saving products are lowering more and more but the Livret A is French people preferred product. Have you ever wondered yourself whether other solutions, easy, secure and cost-effective, exist?
Since October 2014, France, one of the pillar of the collaborative economy, allows individuals and businesses to lend to other companies via online platforms like ITSAL-INVEST.
This signs the beginning of the end of the banking monopole and puts back the investor at the heart of projects to be financed.
When I lend on Raizers :
HOW CROWDLENDING WORKS ON ITSAL-INVEST
Raizers may propose bonds to investors through its online platform. This type of loan is currently almost unknown in France because it was, until 2014, mainly used by public institutions.
Why choosing the bond rather than the conventional loan ?
INVESTMENT PROCESS ON ITSAL-INVEST
Registration on Raizers is free and is done in one click, using your email address or your LinkedIn profile.
Your account allows you to access to all the information relative to the projects presented on the platform:
This account allows you to share information with companies via the access to the dedicated forum of each project.
Third step : Your investment
We suggest you first to complete your profile. Stating your location and your areas of expertise increases the chances for you to meet other investors and expand your network. This is also an opportunity to communicate on your skills and why not use it to support companies in which you invest.
At the time of the investment :
No fee will be charged on investors by Raizers, except in exceptional cases for which a particular communication is made.
Fourth step: Investment follow up
The schedule of the loan is available in your personal account. The interest and principal are paid on the dates indicated in the calendar on your Raizers account.
Following the payment, you can :
You are an individual established in France
The interests you receive, called "bond coupons" are fixed-income investment products from tax administration point of view.
These products are subject to :
A fraction of the social contributions (CSG 5.1%) is deductible from taxable income for the relevant year. This amount will be calculated and automatically deducted from your taxable income by the tax administration.
* This payment is automatically deducted and paid back in the form of a tax credit in the pre-completed tax return (2CK box).
Nevertheless, until 30th November of the year of investment (N), you can ask to be exempted from required deposit if the income tax reference (RFR) of your family on N-2 income is:
This exemption application is a sworn statement that engages your liability for misrepresentation. Thank you to contact us via the contact form if you would like a sample exemption application model.
** If you have received less than 2 000 € of net fixed income from investment products in the year N, you have the option to opt for a flat rate of income tax of 24%. If necessary, your pre-filled tax return, scratch the 2TR box and enter the correct amount in 2FA.
You are a company
The interests you receive, called "bond coupons", are fixed-income investment products from tax administration point of view. They are recorded as financial income and as such are subject to corporate tax (IS).
You are an individual or a company established abroad
Taxation principles are different depending on the country where you are resident. Please contact us via the contact formula if you need specific information.
Every year during February, you will receive from Raizers a Fiscal Form (IFU) gathering details of income received and withholding taxes applied in order to facilitate your tax declaration.
Careful ! Please remember that all investment bears a risk, and so does investing in crowdlending, with specific risks :
?Liquidity is the facility with which you can resell your bonds after being acquired. Bonds purchased from companies which are presented on Raizers are unlikely to be traded on a secondary market in the short term. You might not be able to sell the bonds held at the time you intend to.
Before the maturity date, new tax restrictions might be imposed on the coupons received from bonds already acquired. The return on your investment might be reduced.
Raizers advises you not to count on the interests perceived as a significant part of future investment.
The value of invested capital and interests received might depreciate throughout the life of the bond. The return on your investment migt be reduced.
The companies presented on Raizers might not be able to pay the interests due or to reimburse the principal.
All the projects presented on Raizers have been previously analyzed from a credit perspective and validated by our experts’ panel.
However, if anomalies were to be found in the process of payments, Raizers will immediately inform you and will do everything possible to recover the sums.
In all cases, Raizers advises you to diversify your investments and prioritize the investment of money that you will not need during the life of the bond.
* Details :
I receive 2 940€ of interests, or the number of companies that have not bankrupt (49) * invested capital (10,000€) / total number of companies (50) * The annual interest rate (10 %) * the term of the loan (3 years)
But I lose 200€, which is the capital lent to the company that defaulted (investment (10 000€) / total number of companies (50))
At the end, I WIN 2 940€ - 200€ or 2 740€ or 27.4% of gross return.