EN
LT
F.A.Q.
General Questions for Investors
How does the ROIX platform work?
Business owners seeking financing apply to ROIX. We assess the project’s risk and the feasibility of the scenarios outlined in the business plan. If the project meets our criteria, it is published on the platform, where all ROIX users can invest in it.
Loan repayments follow a customized payment schedule. Investors can reinvest the earned funds into other projects or transfer them to their bank account.
Does ROIX have a crowdfunding license?
Yes, UAB “ROIX” holds a crowdfunding service provider license and operates in accordance with the European Union Crowdfunding Regulation. This license grants the right to operate across all EU member states under a unified regulatory framework. The regulation ensures investor protection and transparency in line with the highest EU standards.
License number: No. 15.
What is the minimum investment amount?
The minimum investment amount per project is 500 EUR.
What types of investment projects can I invest in?
ROIX offers the opportunity to invest in real estate projects and large-scale business loans.
How does ROIX ensure that the borrower will repay the loan?
ROIX conducts a thorough assessment of the company’s reputation, reliability, and financial standing. We analyse the current financial situation and growth potential. We also evaluate the project’s viability, implementation feasibility, and the borrower’s ability to service the loan.
If real estate is used as collateral, we assess its quality and liquidity, and establish clear exit strategy scenarios to ensure smooth repayment of the investment.
Are funds in my account that are not invested earning interest?
No, uninvested funds do not earn interest.
Where are investor funds held?
Investor funds are held in a separate BLUE EMI account, which is opened for each investor after registration and identity verification. Investors can transfer their funds to their personal bank account at any time.
Professional Investor’s Glossary
What does LTV mean?
LTV (Loan-to-Value) is a financial ratio that represents the relationship between the loan amount and the value of the collateral. It indicates what portion of the asset’s value is covered by the loan.
LTV is most commonly used to assess the risk of real estate projects or secured loans. The lower the LTV, the lower the risk for the lender, as a larger portion of the asset’s value is covered by the borrower’s own funds.
What does LTC mean?
LTC (Loan-to-Cost) is an abbreviation for the financial metric “Loan-to-Cost,” which represents the ratio between the loan amount and the total project costs. This metric is most commonly used to assess the financing level of real estate development projects based on the project’s costs, rather than its end value.
It is considered a more conservative measure of financing risk compared to the LTV (Loan-to-Value) ratio.
What does ICR mean?
ICR (Interest Coverage Ratio) is an abbreviation for the financial metric “Interest Coverage Ratio,” which measures a company’s ability to cover its interest expenses using its earnings before interest and taxes (EBIT).
It is used to evaluate how comfortably a business can meet its debt interest obligations.
What does NOI mean?
NOI (Net Operating Income) is a financial metric that represents the net income generated from a property’s core operations (e.g., rental income) after deducting all operating expenses related to that activity, but excluding any financing costs.
It is commonly used as a measure of a real estate asset’s profitability.
What does EBITDA mean?
EBITDA (Earnings Before Interest, Taxes, Depreciation, and Amortization) is a financial metric that shows a company’s profitability from its core operations, excluding financing costs, taxes, and non-cash expenses such as depreciation and amortization.
General Questions for Borrowers
What is the maximum amount that can be borrowed?
On the ROIX platform, businesses can receive financing of up to €5 million.