Investing in Loans
with Fuxion Access

On Fuxion Access, you invest in loans by purchasing loan-backed securities called Notes. Notes are regulated financial instruments emitted by a special purpose entity within the Fuxion Access group that acts as the issuer. To create a Set of Notes, 6-20 loans with similar properties are pooled together. The Notes are then placed on Fuxion Access so investors can invest in them.

Each Set of Notes has a unique International Securities Identification Number (ISIN) and consists of Notes of usually €0.01 nominal value each. The minimum investment is €50, or 5 000 Notes per set you invest in. By investing in a Set of Notes, you gain indirect exposure to all underlying loans in the set proportional to the loan amount.

We offer several ways to invest in loans:

• Core Loans – a ready-to-use, hassle-free automated portfolio.
• Custom Loans – an automated portfolio based on your criteria.
• Selecting individual investments manually to handpick loans.

The return potential depends on the offered interest rate, which is influenced by:

• Risk factors of the underlying asset, including borrower and lending company credit risk.
• Market factors such as economic conditions, interest rate levels, and supply/demand.

If you hold until maturity, value fluctuations won’t affect returns. However, selling early on the Secondary Market can result in prices that differ from your purchase price.

Some risk is inherent in all investing. Fuxion Access evaluates investment risk on a scale from 10.0 (low) to 1.0 (high).

• Loan-related risks: missed payments, early repayment.
• Lending company risk: insolvency or inability to service loans.
• Market, interest rate, liquidity, and currency risks.

Read more on managing investment risk.

• Earn regular passive income.
• Access a less volatile asset with attractive returns.
• Invest in a diversified loan portfolio across companies, geographies, and sectors.
• Diversify traditional investments with a less correlated asset class.

Fuxion Access offers loan investment options that adapt to your needs. You can choose to automate your investments to save time, or take full control manually:

• Core Loans – a ready-to-use portfolio with minimal setup that invests in a broadly diversified selection of loans using a proprietary algorithm, offering full automation and dynamic diversification.
• Custom Loans – lets you automate investments based on your own criteria. Ideal for active investors with more knowledge and experience.
• Manual selection – browse loans on the Primary or Secondary Market, filter by multiple criteria, and handpick investments.

All options come with detailed performance analytics and full mobile access.

Fuxion Access provides excellent diversification opportunities with a low entry point of €50 and a wide selection of assets:

• Invest in loans from different sectors, countries, and lending companies.
• Diversify across multiple asset classes, including bonds, real estate, ETFs, and Smart Cash – all within one platform.

Investing in manual loans is free. Investments with a Core Loans portfolio are subject to an annual portfolio management fee of 0.39% (charged monthly). More about our fees

Example: If your Core Loans portfolio balance is €1000 for a month, the fee is €0.32 per month (about €3.90 per year).

Custom Loans portfolios have a lower annual portfolio management fee of 0.29% (charged monthly).

Example: If your Custom Loans portfolio balance is €1000 for a month, the fee is €0.24 per month (about €2.90 per year).

Both Fuxion Access and peer-to-peer platforms let you invest in loans, but key differences include:

• Nature of investment: Fuxion Access investors buy regulated financial instruments (Notes), whereas p2p often involves direct lending.
• License: Fuxion Access is a licensed investment firm supervised by relevant authorities. Many p2p platforms are not regulated to the same extent.
• Diversification: Fuxion Access offers diversification across multiple sectors, countries, and lending companies. P2p platforms often operate in limited markets.
• Liquidity: Fuxion Access provides a Secondary Market to sell investments before maturity; liquidity in p2p varies widely.

More frequently asked questions

To start, create your free account. Click Create account on our website or app and follow these steps:

1. Choose your account type – individual or company.
2. Enter your details, provide a contact email, and select your country of residence.
3. Create a password.

Once your account is created, complete verification and fund your account before investing. We’ll guide you through each step.