The Funding Network by Symbid gives everyone the opportunity to invest in start-ups and existing businesses. Become a shareholder and take advantage of future value growth, or lend money to an established business with a fixed interest rate. The Funding Network gives investors ongoing insight into the performance of a company once its funded.



Become an investor and share in the success of a business


Invest in new and established businesses from EUR 20 upwards


Get ongoing insights into business performance


The Funding Network by Symbid is also suitable for institutional investors. Get quick access to a greater number of relevant investment opportunities (both private and public). The unique Monitoring by Symbid technology provides ongoing insights into business performance.


View investment opportunities


See below for more information about investing directly in start-ups and existing businesses with The Funding Network by Symbid


Two ways to invest:

Equity crowdfunding

  • Become a shareholder in a start-up or existing business
  • Profit from its future value growth
  • Invest from EUR 20 upwards


Loan crowdfunding

  • Lend money to an exisiting business that wants to grow
  • Get a fixed interest rate on the amount you lend
  • Repayments and interest are paid periodically during the loan term
  • Risk profiling by an independent party
  • Invest from EUR 20 upwards


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Ongoing insight

Monitoring by Symbid enables you to track the performance of private businesses on a regular basis. This can mean both businesses you've invested in, and/or businesses which you're considering investing in.


Stay up-to-date on the performance of businesses you've invested in


Identify new investment opportunities


Standardized data makes it easy to compare the performance of businesses

More information about Monitoring by Symbid


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Crowdfunding comes in many shapes and sizes. Symbid offers two forms of crowdfunding: equity crowdfunding and loan crowdfunding.

  1. Equity crowdfunding: this enables investors to receive indirect shares in a business in exchange for their investment, thereby profiting from future value growth
  2. Loan crowdfunding (or peer-to-business lending): this enables investors to lend money to a business and receive interest on the loaned amount


More about equity crowdfunding

Investing directly in private companies can be a long and difficult process: official contracts have to be drawn up and each transaction must go through a legal notary. Symbid makes investing in an unlisted (private) company as simple as possible. What's the key to this simplicity? Symbid creates a safe and proven form of legal entity for every investment opportunity: the investment cooperative. This legal entity ensures all members (investors) have a say and share in the equity, but with no extra liability than the amount they invested.


So how does it work? Symbid creates an investment cooperative for every business that successfully attracts investment on our platform. All those who invest in a particular investment opportunity become members of an investment cooperative. The cooperative is the ultimate owner of a predetermined amount of equity (shares) in that company. Sounds complicated? Not at all. Concerned about the lack of ownership and control procedures? Don't be, it's all covered. Of course, there is a normal level of risk that applies to all investments: when a business can not meet its obligations, the business goes bankrupt and investors lose their capital.


Our method is comparable to the system of share certificates for public companies whereby each investor holds a certificate of a share but the shares themselves are held by a trust. Except Symbid investors have more control and influence than the holders of share certificates. This is because the member-owners of our investment cooperatives determine their own policy, have in general full voting rights and can therefore make their own decisions.


Want to know more about our legal structures? Please scroll down to 'Security' for our extensive legal documentation.


More about loan crowdfunding

With loan crowdfunding you as an investor can lend money to growing businesses and possibly get an attractive return on your investment.

As an investor you lend money directly to a business. During the term of the loan, the entrepreneur repays the loan plus interest to you in the form of an annuity - a fixed amount paid per quarter during a given period. In the beginning, this payment is mostly interest with the loan repayment remaining small. Over the course of time, interest proportion decreases and the repayment portion increases. Once an investment opportunity is fully funded a loan agreement is signed by the business, all of which is managed by a professional party.


The term of the loan will vary by business, but is at least 6 months and a maximum 7 years. On average, the duration will be 3 to 5 years.

The interest rate for the loan is determined by a professional and independent party, based on the risk profile of the business. A higher risk means higher interest rate. If the risk is lower, the interest rate you receive as an investors will also be lower. On average, the interest rate you receive on your loan will be between 6 and 9 percent.


As an investor you do not need to worry about the legal structure of the loan. The Funding Network by Symbid delivers the full legal contract structure in which investors are bundled. Symbid has received approval from the Dutch Financial Markets Authority to mediate in redeemable funds. Of course, you as an investor must be aware of the normal business risk that applies to all investments in young businesses: if a business can not meet its obligations it will go bankrupt and investors may lose their money.


Want to know more about our legal structures? Please scroll down to 'Security' for our extensive legal documentation.


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Returns and repayments

Equity crowdfunding

With equity crowdfunding you become a co-owner of the business in which you invest, and can potentially profit from growth in the value of the business. Growing a business takes time, and therefore equity crowdfunding usually does not provide short-term returns. However, if the value of the business does grow, you may decide to sell your shares to an interested party, therefore making a profit on your investment.

The business in which you invest may choose to offer dividends. This will be stated in the materials of the crowdfunding campaign.


Equity investment opportunies on the Symbid platform include established businesses but also younger start-ups. A business may succeed in realizing its plans to grow the value of your investment, but may also be less successful or even go bankrupt. In this case you would lose your investment. For this reason, we recommend that you reduce the risk by spreading your investment across multiple businesses. Then, if one of the businesses goes bankrupt, you have not lost all your invested money.


Loan crowdfunding

As an investor via loan crowdfunding, you receive quarterly interest payments plus loan repayments throughout the term of the loan. The interest rate you receive will be determined by an independent party based on the risk profile of the company and will average between 6 and 9 percent.


The loan and the repayment are based on an annuity. This means that both an interest component and a repayment component are paid periodically by the business. In the beginning, the interest portion is higher than the repayment portion. The repayment portion then increases exponentially, while the interest portion decreases. The remaining debt will then decrease faster and faster. For you as an investor, this means that the amount you have invested decreases over time.


As with all businesses, there is also a risk that a business in which you invest via loan crowdfunding may go bankrupt. We recommend for this reason to reduce your risk by spreading your investment across multiple businesses. Then, in the event of one of the businesses you've invested in goes bankrupt, you can still make a return on average. These so-called "defaults" will be at the expense of your overall returns.


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Fees of The Funding Network by Symbid

For every amount invested, Symbid charges a 1% transaction fee (excl. VAT). These are the costs of Symbid.


Bank charges

Processing fee of EUR 1 per transaction charged by our financial partner Intersolve.



VAT of 21% is paid on all 'Fees for The Funding Network by Symbid' and 'Bank charges'.


Transaction fees

The following fees will be applied for each payment method:

  • Ideal EUR 0,39
  • Mastercard 2,25%
  • Visa 2,25%
  • Bancontact/Mister Cash 2%
  • Giro Pay 2%


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Money transfers

Transferring money with Symbid is completely safe, because all money is kept in a separate third-party (trust) account. This ensures that your investment cannot be used for anything other than that which you intended, and nobody else can access it. All money transferred to, from and within Symbid is processed through Intersolve EGI BV, a company operating under license as an electronic money institution supervised by the Dutch Central Bank (De Nederlandsche Bank) and the Netherlands Authority for the Financial Markets (De Autoriteit Financiële Markten).


Symbid makes it easy to get refunded with money you have chosen not to invest. This sounds obvious, but a third party such as Intersolve is required in order to ensure your money is always available and is not being used for any other purpose than that which you intended.


Fiscal-legal structure

  1. Equity crowdfunding

Symbid's tax and legal structure was prepared by several renowned parties including BDO Accountants and Advisors AKD Lawyers and Notaries. The cooperative legal entity has an important role within Symbid, and corresponds well to the crowdfunding philosophy.


All investments are made through Symbid Cooperative UA, itself a cooperative legal entity. You are made a member of this cooperative upon creating a Symbid account. Following this, you are able to transfer money to your Symbid wallet with which you then invest in a proposition. Any money you transfer to your Symbid wallet is stored in the InterSolve third party's trust account, safely reserved for you as 'electronic money', until the moment you decide to invest.


A new investment cooperative is established for each proposition, so one per company. This occurs only when the proposition has successfully reached its funding target. The various investment cooperatives are created as separate entities and are not at risk when another proposition defaults. You invest in the business through this investment cooperative and receive membership certificates in proportion to the size of your investment.


The investment cooperative not only has an important financial function, for the entrepreneur it is also the means by which he/she can contact their investors. The cooperative enables an entrepreneur to seek the knowledge and advice of a large pool of investors. Furthermore, the cooperative is crucial if/when the legal consent of shareholders is required for decisions to be made by the entrepreneur's (private) company, for example, during an extension of the share capital.


Membership of an investment cooperative (and by extension your investment) is, to a certain extent, transferrable. You would need to obtain permission from the board of the respective investment cooperative before transferring your shares.

  1. Loan crowdfunding

With Loan Crowdfunding by Symbid you, as an investor, enter into a loan agreement with the business you invest in. These are private businesses.


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Equity crowdfunding taxation

When it comes to taxation, Symbid operates according to the standard rules and regulations. Normal rates apply to individuals and companies that invest in a cooperative legal entity through Symbid. Investing via a limited liability company ("BV") is beneficial in this case because all investments are subject to the substantial holding exemption, whether more or less than 5% is owned. This results in the following tax structure with different rates applying to different types of investors:


Investing as a normal individual

  • The value of the investments are deemed assets (in box 3 at 1.2%)
  • An increase in the value of the investments are, except for the above, not taxed
  • Income tax is payable for the dividends received (this is paid by the business as an advance levy)
  • The dividend tax paid can be deducted from the income tax to be paid
  • For an interest in a business that is larger than 5% of the total shares, the interest falls as a participation in box 2; Dividend tax payable of 25% over the dividend received, after deduction of the dividend tax paid


Investing as an entrepreneur falls under income tax (one-man business / general partnership / limited partnership)

  • The same rules apply as for a natural person: see above


Investing as a legal person (private limited company / public limited company / COOP with limited liability)

  • Irrespective of whether the investment forms more or less than 5% of the total capital of the investment, the interest qualifies as a participation and falls under the holding exemption
  • No dividend tax or corporation tax is payable over the dividends received

Please note, investing in start-ups is at your own risk


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Loan crowdfunding taxation

Normal rates apply, including taxes which apply to individuals and businesses providing a loan. This yields the following rates for different investor groups:


Investing as a normal individual

  • If the investor is a private individual and owns less than 5% of the shares in a business, he will be subject to 1.2% income tax (box 3)
  • The interest requirement can not be declared unless the interest is credited in the balance of the bank account
  • Please note that an exception can be made for individuals if they have access to above-average asset management


Investing as a legal person (private limited company / public limited company / COOP with limited liability)

  • If you invest from a business account then the amount borrowed is seen as a loan. This will be seen on the balance sheet as a debt claim.
  • The interest you’ll receive is seen as profit.

Be aware, investing in start-ups is high-risk. Review the risks here.


View investment opportunities


For more information, please download our investor brochure here.

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