Frequently asked questions.
What every investor asks before joining.
About the investment
What is the minimum ticket and how do I receive returns?
The minimum ticket of the active cycle is $5,000 USD. Returns are credited monthly, pro-rata to payments received from loans in your portfolio.
What happens if an entrepreneur doesn't pay their loan?
Diversification across 15+ loans absorbs individual defaults. Additionally, we keep team first-loss capital that covers initial pool losses before they affect investors. Target default rate is <5%.
Can I withdraw my capital before the term?
Invested capital is committed to individual loan terms (3-6 months average). Monthly payments are liquid and can be withdrawn or reinvested. For full early liquidity, we evaluate case by case.
How are returns taxed?
Returns are income subject to tax regulations of the investor's country of residence. We deliver annual reports with the necessary information for filing. We recommend consulting a local tax advisor.
Are returns guaranteed?
No. Returns are target, not guaranteed. The diversification structure and first-loss capital significantly reduce risk, but no productive investment is free of potential loss.
About operations
How are entrepreneurs selected for credit?
We combine proprietary scoring with reputation verification in validated productive communities. Each applicant goes through cash flow evaluation, credit purpose and active references. We don't replicate traditional banking criteria because they exclude the profile we want to serve.
How is capital custodied?
Investor capital is held in segregated accounts with institutional custody. Payment flows are audited and reports are delivered to each investor with loan-by-loan detail.
Which countries do you operate in?
The current cycle covers [TBD: country list]. We're expanding coverage as we validate origination and local collection capacity.
What technology is the platform built on?
The infrastructure combines traditional rails with blockchain technology for settlement and traceability. This lets us reduce operating costs and deliver granular audit reporting. Technical complexity is ours; the investor experience is that of a traditional financial product.
About regulation
Is there regulation?
We operate as a Virtual Asset Service Provider registered with UIF Peru, with KYC/AML policies aligned to SBS standards. The full compliance structure is detailed in cycle documentation, available under NDA.
Is this a public securities offering?
No. Finnoba operates as a private alternative investment platform. Participation is subject to investor profile evaluation and signing individual terms. This does not constitute a public offering under local regulation.
Do I need to be an accredited investor?
The current cycle is for investors with capacity to evaluate credit risk and commit capital during the product term. We validate profile in the onboarding interview.