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Set up your account, verify your identity, and be ready to invest.
Sign up with your email, set a password, and complete your personal and fiscal details to set up your investor profile.
You’ll need: Access to your email inbox (to confirm your account), and your personal details (including your tax number and address) or your organisation's details if you are investing as a company.
Mangopay is Goparity’s payments provider. This step allows your funds to be held securely and enables top-ups, investments, repayments, and withdrawals.
You’ll need: To accept Mangopay’s terms and set up your verification code.
Upload your identification document as required by regulation, so you can start investing.
You’ll need: A valid ID document, such as national ID, driver’s licence or passport.
Complete the quick regulatory checks that determine whether you qualify as a sophisticated investor and confirm you understand the risks involved.
You’ll need: A few minutes to complete the knowledge questions and loss-bearing check. If you’re a non-sophisticated investor you will see recommended limits.
Add funds by card payment or bank transfer and be ready to invest in open opportunities.
You’ll need: A bank account in your name to withdraw funds.
Choose loan conditions that fit your goals, and the type of positive social and environmental impact you want to create. By investing you will lend money to a project Promoter with fixed terms and scheduled repayments.
Browse what’s open and check the essentials: interest rate, term, repayment schedule, risk rating, and the project’s purpose and impact goals.
You’ll need: A few minutes to browse and choose a project.
Check the Key Investment Information Sheet (KIIS) for the full picture before you invest, including project description key terms and risks.
Relevant information is summarised on the project page, but you can always find more in-depth information in the KIIS.
You’ll need: 3 minutes to review the KIIS highlights (loan conditions, promoter and project details, financial figures and ratios, guarantees).
Choose the amount you want to invest and confirm your investment.
Many nvestors decide to spread their money across several projects, rather than concentrating it in one, to diversify their portfolio.
You’ll need: A minimum of 20€ to invest per project.
Follow your repayment plan and track project progress, including impact reporting and updates from the project Promoters.
You’ll need: Your login details so that you can monitor your loans from your profile. We recommend using the Goparity app.
Use repayments to invest again or withdraw available funds to your bank account.
You’ll need: A bank account in your name to receive withdrawals.
Ensure your investments run automatically as opportunities open, avoid time loss scroling and refreshing. Set your criteria once and we will allocate a percentage of your wallet balance to new projects that match your preferences.
Choose a range of project conditions that you want to invest in, like interest rate and term. The define how much to invest each time a matching project opens.
You’ll need: Your preferred interest range, term range, and wallet percentage.
Set up an “Investment Strategy” so that funds are added automatically each month, helping you stay consistent without manual top-ups.
You’ll need: To chose the monthly amount you want to invest, via this strategy, and the day of the month for the direct debit. There are no opening or management fees from 50€/month.
With an Investment Strategy, Goparity splits your monthly direct debit across as many projects as possible, aiming to reduce concentration in a single project and meeting the minimum investment threshold per project.
You’ll need: Nothing extra — diversification happens automatically as projects launch.
When a new project opens that matches your criteria, Auto-invest places the investment for you. This way you don’t need to rush to invest manually.
You’ll need: Auto-invest enabled and funds available.
Edit your criteria or disable Auto-invest at any time.
You’ll need: Nothing —it’s managed in your account and its easy. But if you have any questions your support team is always availiable.
Equity means investing in a company’s share capital. You become a shareholder, and your outcome depends on the company’s long-term performance.
Browse live equity opportunities and pick a business you believe in.
You’ll need: A verified investor profile.
Understand what you’re buying as a shareholder, study the company's valuation, learn about the terms, and review key risks.
You’ll need: Time to read about the offer and go over the availiable documents.
Follow the investment flow to confirm your participation in the round. Equity is long-term and may be illiquid.
You’ll need: Your legal details and payment method. Exact steps vary according to different offers.
Once the round closes, the investment is processed and shareholding is formalised. Investors will get proof of their shares. This process may be affected by external factores.
You’ll need: Nothing extra. We will keep you updated.
Equity is typically long-term. Liquidity can be limited, and you could lose part or all of your investment. During this time, the Promoter will update you on their progress and milestones.
You’ll need: A long-term mindset and a diverse portfolio.
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