Financial statements often seem like a formality that must be submitted to the authorities. However, for businesses, they are much more than that—they are a compass pointing the way to sustainable development and better financing decisions.

One of the most important questions every investor asks is simple: how is my investment protected? This concern is just as relevant for those choosing alternative financing – for example, investing in loans through crowdfunding platforms.

A good business plan alone is not enough to obtain financing through the FinoMark crowdfunding platform. Potential investors, as well as the financing platform itself, pay close attention to the reputation of your company, shareholders, and management. This naturally raises the question: Why is this so important?

When investing through crowdfunding platforms, it's important to evaluate not only the offered returns or business plans but also the collateral instruments that may secure your investment. One such instrument—pledging an asset complex—is increasingly used as an alternative solution, especially when a business lacks unencumbered real estate.

For investors in business loans, one of the most pressing topics is the reliability of loan security measures. On the FinoMark platform, three primary forms of protection are most commonly applied: mortgage of real estate (RE), pledge of a property complex (PC), and guarantors’ liability. All these measures can effectively reduce the investor’s risk, but their operating principles and effectiveness differ. What is worth knowing before making a decision?

One of the most frequently asked questions by entrepreneurs is: what size financing can I expect to receive through FinoMark? Although every situation is unique, there are several key factors that determine the loan amount.

When investing in business loans, there is always a risk that some borrowers may fail to meet their obligations. However, on the FinoMark platform, a "default" (insolvency or borrower’s failure to fulfill obligations) does not mean that the investor loses everything they have invested.

On the FinoMark platform, loans are tailored to various business needs – from working capital expenses to strategic investments. The more clearly the purpose is defined, the greater the likelihood of successfully attracting funding. Transparency, responsibility, and purposeful planning are key factors in achieving long-term business success.

The platform will remain free of charge for investors and there are currently no plans to introduce a usage fee.

Both starting a business and having many years of experience - market monitoring and analysis must become a continuous process of the company. Have you ever answered the question - your business is just watching the market or shaping it? It is no secret that the market is constantly changing: new competitors are emerging, customer needs, technology, legal environment and economic conditions change. Those who know how to notice these changes on time can adapt quickly, maintain a competitive advantage and ensure the sustainable development of the company.