SUMMARY

Daskapital is a Portuguese fintech company that operates a crowdfunding platform focused on crowdlending and crowdfactoring for SMEs and startups. We connect companies seeking fast and flexible financing with investors who want to invest in the real economy through financing opportunities for business projects and entrepreneurial activities. Our value proposition is clear: to make financing more accessible to businesses and enable individuals and institutions to diversify their investments in local companies and the real economy. By combining technology, risk analysis, and regulatory compliance, Daskapital offers an efficient alternative to traditional financing, supporting the sustainable growth of businesses.

PROBLEM

SMEs are essential and form the backbone of the economy, but many continue to face difficult financing processes through traditional channels. At the same time, investors have easy access to investing in large companies, but limited access to investment opportunities tied to the real and local economy. This creates a gap between companies in need of capital and people willing to invest in productive economic activity. Daskapital bridges this gap through a regulated, technology-driven platform where SMEs can access alternative financing and investors can participate directly in financing the economy.

SOLUTION

Daskapital operates as a regulated crowdfunding platform that enables SMEs to secure financing from a community of investors. Companies submit financing requests, which may include business loans or invoice financing transactions. Each request is evaluated through a structured risk analysis process, including financial, operational, and compliance checks. Approved opportunities are then published on the platform, where investors can review the information, understand the risk profile, and participate in an investment auction in which they indicate the amount they wish to invest and the minimum return they require. Through the auction, we meet the company’s financing needs by prioritizing offers from investors who require lower returns. In the end, the interest rate—which will be the same for everyone—will be the rate demanded by the first investor to be left out.

In this way, we facilitate SMEs’ access to financing and contribute to the financing of the real economy through a fair and competitive process, while creating a more inclusive investment ecosystem. By connecting capital to productive companies, Daskapital supports entrepreneurship and job creation.