F.A.Q.

General Questions for Investors

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.

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.

The minimum investment amount per project is 500 EUR.

ROIX offers the opportunity to invest in real estate projects and large-scale business loans.

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.

No, uninvested funds do not earn interest.

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.

Depending on the risk and lending conditions, the annual return can range from 8% to 14% of the invested amount. If you want to know the exact return of an investment, select the project you wish to invest in.

When investing through a crowdfunding platform, you must consider that there is a certain risk of losing the invested funds. ROIX aims to minimize this risk as much as possible by carefully selecting reliable projects and analyzing borrowers’ credit histories. However, there still remains a risk that a project may fail or that the borrower may become insolvent. ROIX does not guarantee that investors will not lose their invested funds. Therefore, we strongly recommend diversifying your investment portfolio.

To use the platform’s services, investors must also review and agree to the general terms of the payment account service provider. These terms allow investors to open an account with the electronic money institution “UAB BLUE EMI LT” and use an electronic wallet within the platform.

Yes, projects may be published in stages, first being made available to specific investor groups and later to a broader audience. Investor groups are defined based on objective and pre-established criteria:

  • investors who have previously invested on the platform,
  • registered platform users,
  • all investors (public offering).

Professional Investor’s Glossary

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.

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.

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.

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.

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.

In other words, this refers to compound interest. For example, if an investment has 10% capitalized interest over two years, and you invest €1,000:

  • In the first year, €100 in interest would be calculated. This amount isnot paid out, but instead added to the loan amount (at the end of the year the debt becomes €1,100).
  • In the second year, interest would be calculated from€1,100, resulting in €110 in interest.

 

In total, the interest earned would amount to €210.

General Questions for Borrowers

Businesses on the ROIX platform can obtain financing of up to €5 million.

Business financing is provided only to legal entities (companies). Fill out the inquiry form on our website, and we will contact you shortly.

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