Modena Capital is an Estonia-based investment platform that allows individuals to invest in diversified pools of consumer loan and Buy Now, Pay Later (BNPL) debt claims. The platform automates allocations, offers transparent expected returns of up to about 11 % per annum, and provides features like automatic payouts and a buyback guarantee for late loans.
Offer for Investors
Modena Capital enables individual investors (18 + with EU-bank accounts and EU citizenship) to invest from as little as €50 in loan asset pools created from consumer financing and BNPL claims. Investors earn interest via discounted acquisition of loan claims and receive regular principal + interest repayments. The platform supports automated reinvestment, monthly payouts, and a buyback guarantee for loans overdue beyond 35–90 days.
Investor:
- Must be at least 18 years old
- Must have a bank account in their name with an EU-registered payment/credit institution
- Must hold citizenship of an EU country
Modena indicates no fees for account creation, maintenance, or withdrawals, though the exact fee model for investing.
Modena offers to invest in various crowdfunding opportunities from the Personal loans sector.
At Modena, you can start investing with €50.
The investment models Modena operates is P2P lending.
