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When can I opt for a convertible loan instead of a traditional loan period?
The timeframe for this decision is defined between GoParity and the promoter depending on various factors. These may include the total loan term and the promoter's liquidity. The conversion terms will be available in the loan agreement, including the established timeframe in which the investor can decide to convert their loan into shares or equity.
For example, in the Biovilla project, the loan term is 5 years, and the conversion time frame was 12 months. That means that within the first 12 months after the beginning of the loan term, investors, with at least 2,000€ of investment in the project, have the opportunity to convert the amount owed into Biovilla shares.
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GOPARITY (www.goparity.com) is a platform of crowdfunding by loans (crowdlending) managed and owned by Power Parity, SA, a public limited company, with number 514373822, and registered office at Rua Filipe Folque, 2, 1st floor, 1050-110 Lisbon (Portugal), licensed by the regulatory and supervisory body CMVM (Portuguese Securities Market Commission), under Regulation (EU) 2020/1503 (European Crowdfunding Regulation).
The payment services available through the platform are provided by MangoPay SA, a registered electronic money institution based in Luxembourg and supervised by the CSFF (Commission de Surveillance du Secteur Financier), registered with Banco Portugal (the Portuguese regulator) under no. 7830.
Investments in crowdlending carry a risk of a partial or total loss of the funds invested. The return on your investment depends on the project's success developed through the campaign in which you invest. Your investment is not covered by the deposit guarantee schemes established by Directive 2014/49/EU nor by the investor compensation schemes established by Directive 97/9/EU. Please consider all risks before investing and carefully read the Key Investment Information Sheet (KIIS) provided to you before investing.