Investors’ fund
The Investors’ fund is an additional risk management tool designed for those investing in consumer loans. If a consumer loan borrower fails to meet their obligations for 90 consecutive days, the Investors’ fund compensates the investor for the unpaid portion of the investment and the interest accrued during that period.
How does the Investors' fund work?
When choosing to invest in a consumer loan with the Investors’ fund, a portion of the interest received from the loan is paid to the Investors’ fund, which, in case of default, compensates the unpaid portion of the loan and the interest accrued over 90 days. Afterward, the fund assumes the investor’s rights and proceeds with debt recovery.
How is the Investors' fund financed?
The Investors’ fund is financed from the interest paid by loan borrowers. This means that by using the fund, the investor receives a lower interest rate but can reduce the risk of losses if the borrower encounters repayment difficulties.
What are the benefits for the investor?
The main advantage of investing with the Investors’ fund is that if the borrower delays payments for 90 days, the fund compensates the remaining portion of the investment along with the interest accrued during that 90-day period. In contrast, investing without the fund would require the investor to wait for the debt recovery process and bear the risk of potentially not recovering all or part of the investment and interest.
What are the risks when lending with the Investors' fund?
The Investors’ fund provides compensation as long as there are sufficient funds in the fund. If borrower defaults increase, the fund may be depleted, and compensation would be delayed until the fund is replenished. Once sufficient funds are available, compensations are paid in order of priority. No interest or other fees are paid to the investor for the waiting period.
When and how does compensation take place?
Compensation is paid when the borrower fails to meet their obligations for 90 consecutive days. At that point, the investor is reimbursed for the unpaid portion of the investment and the interest accrued during the 90-day period. Penalties or other additional fees, if any, are not compensated. Compensation is processed automatically—the investor does not need to submit requests, complete forms, or provide documents.
How to invest with the Investors' fund?
Investing with the Investors’ fund is very simple—you just need to check the box for your choice during the investment process. This also applies if you choose automatic investing—you simply select the option, and the Investors’ fund protection will automatically apply to all your investments. This protection is only applicable when investing in consumer loans.
What is the structure of the Investors' fund?
Contributions to the Investors’ fund consist of a portion of the interest paid by borrowers, allocated to the fund, as well as redeemed and recovered debts from investors, i.e., the unpaid portion of debts. Fund payouts consist of compensation to investors for defaulted loans and the interest accrued over the 90-day period.
Investor’s share of interest
Loan annual interest rate
Portion of interest allocated to the investor
29 % and more
14 %
28 %
13 %
27 %
13 %
26 %
13 %
25 %
12 %
24 %
12 %
23 %
12 %
22 %
11 %
21 %
11 %
20 %
11 %
19 %
10 %
18 %
10 %
17 %
10 %
16 %
9 %
15 %
9 %
14 %
9 %
13 %
8 %
12 %
8 %
11 %
7 %
10 %
7 %
9 %
6 %
8 %
6 %
7 %
5 %
6 %
5 %
5 %
4 %
Share of interest for the Investors' fund
Loan annual interest
Portion of interest allocated to the fund
29 % and more
15 % and more
28 %
15 %
27 %
14 %
26 %
13 %
25 %
13 %
24 %
12 %
23 %
11 %
22 %
11 %
21 %
10 %
20 %
9 %
19 %
9 %
18 %
8 %
17 %
7 %
16 %
7 %
15 %
6 %
14 %
5 %
13 %
5 %
12 %
4 %
11 %
4 %
10 %
3 %
9 %
3 %
8 %
2 %
7 %
2 %
6 %
1 %
5 %
1 %
How the investors' fund changed over time?
Investors' fund statistics
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Investors' fund
When investing in consumer loans, investors are informed about certain risks that may arise both due to the borrower’s actions and independently of them. To help reduce investor losses from such risks, the SAVY Investors’ fund has been established.
What is the Investors' fund and what is its purpose?
The Investors’ fund is a sum of money managed in the collective interest of investors. Its main function is to compensate investors for losses if a borrower fails to meet their obligations for more than 90 consecutive days.
How does the SAVY Investors' fund work?
When choosing to invest in a consumer loan with the Investors’ fund, a portion of the interest earned from the loan is allocated to the fund. In case of default, the Investors’ fund reimburses the investor for the unpaid portion of the loan and the accrued interest. In such cases, the fund also assumes the investor’s rights and initiates debt recovery.
Simply put, by using this fund, the investor receives a lower interest rate but simultaneously reduces their risk if the borrower fails to meet their financial obligations.
Why is it worth lending with the SAVY Investors' fund?
The key advantage for the investor is that when lending through the Investors’ fund, if the borrower delays payments for 90 days, the investor recovers their invested money more quickly because the fund compensates for the losses. Without the Investors’ fund, the investor would have to wait longer to recover their money, as the debt collection process could take time. Moreover, there is no guarantee that the full loan amount with interest will be recovered.
Are there risks when investing with the Investors’ fund?
The Investors’ fund compensates losses as long as there are sufficient funds in the fund. If the fund runs out of money (for example, in the event of a significant increase in borrower defaults), compensation will be delayed until the fund is replenished. During this waiting period, no interest or other fees are paid to the investor.