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For small and medium businesses

Raise money to grow your business from the people who already know it.

Raise money for new equipment, a second location, a bigger team or more stock. Instead of relying only on a bank loan, you can offer customers, partners and investors a small share of what your growth plan earns. You launch and run the offering on the Asset Tokenization platform, with your own investor portal, and our team helps you set it up and keep it running.

Check if my project fits See the steps
Typical time to launch
About 12 weeks, plus regulator review
Who can invest
Many investors, in small amounts
You keep
Running your business

What this means for your business

Many good businesses have loyal customers, suppliers and local supporters who would happily put money into the next step. Collecting hundreds of small amounts, with the checks and paperwork each one needs, used to be impractical for a single business. The platform gives you one clear offer, one digital investor register, where each holding is recorded as a digital unit called a token, and one set of rules for all of them, managed from your own console.

You choose what investors get. Often it is a share of revenue or profit from the new project, or a note that is paid back over time. Depending on the structure, a bank style collateral requirement may not apply, and payments can follow how the business actually does instead of fixed monthly loan repayments.

It is still a regulated offering. It needs approved documents, identity checks for every investor and regular reports. The platform handles the repetitive work and our team helps with the setup, so it is simpler for you, but it takes weeks of preparation, and money comes only if investors choose to invest.

Six steps from first call to paying investors

Typical plan for one offering in a known country. Time for the regulator's review comes on top.

  1. 1Week 1

    Tell us about the plan

    A call about your business, what the money is for and who already supports you. Have your recent accounts to hand.

  2. 2Week 1–2

    Get a clear answer

    Our team reviews your numbers and the rules that apply, and gives you a written Go, Conditional Go or No-Go.

  3. 3Weeks 2–6

    Decide what investors get

    You set the offer with our help, for example a revenue share with a cap, modelled for good, normal and bad years. Qualified counsel sets up the legal side, and the terms are configured in the platform.

  4. 4Weeks 6–11

    Your investor portal goes live

    Offering documents are prepared and, where required, approved. Your investor portal goes live on your own website address, in your brand, with the investor rules built into each token.

  5. 5Around week 12

    Open the offering

    You tell customers, suppliers and your network. Investors sign up in your portal, verify their identity and pay online. We support the launch and make introductions where agreed.

  6. 6Every year

    Report and pay

    You publish results from your console on a schedule. The platform calculates and instructs payouts to investors under the terms, keeps the register and stores documents.

Compared with a bank loan

A general comparison. For small amounts, a bank loan is often the simpler choice.

Bank loanOffering to many investors (tokenized)
What you give upNothing in ownership, but you take on debt.What you choose to offer: a share of revenue, a note or a small stake.
RepaymentsFixed every month, in quiet months too.Set by the terms. Investors can share in results instead of fixed monthly repayments.
CollateralUsually property, equipment or your personal assets.Not required as a bank would typically require it, depending on the structure. Investors rely on the terms, the documents and your reporting.
Who can investOne bank.Customers, partners and investors in several countries, within the rules.
How long it takesWeeks to months.About 12 weeks to launch, plus regulatory review time.
Paperwork and reportingApplication, then statements to the bank.Approved documents, identity checks and regular reports to all investors.
What happens afterYou repay until the loan ends.You report and pay investors. Later rounds can reuse the same platform.

General comparison only. Actual terms depend on the lender and on the structure, which is confirmed by qualified local counsel.

What it could look like

Illustrative example

A family bakery chain with three shops

A bakery with loyal regulars wants to open a fourth shop and a central kitchen. The bank offers less than it needs and asks for the family home as security.

Wants to raise
€450,000
For
A central kitchen and a fourth shop
Investors offered
A share of revenue from the new sites, up to a cap
  1. 1

    Feasibility review

    The team confirms the accounts support an offering and suggests a revenue share rather than shares, so the family keeps full control.

  2. 2

    Terms set

    The offer, the payment dates and the reporting schedule are fixed, written into the documents with counsel and configured in the platform.

  3. 3

    Offering opens

    The bakery tells regulars in its shops and online. People sign up on the bakery's own investor portal, in small amounts.

  4. 4

    After launch

    Every quarter the bakery publishes sales from the new sites in its console, and the platform pays investors their share.

Hypothetical example for illustration only. Not a real offering and not an indication of results.

Is this right for your business?

A good fit if

  • You have at least a couple of years of accounts.
  • You know exactly what the money is for.
  • Customers and partners already know and support what you do.
  • Someone in the business can handle regular investor updates.
  • You want growth money and are clear about what control, if any, investors will have.

Probably not yet if

  • The business has no trading history or reliable accounts yet.
  • You need the money within days.
  • The amount is small enough that a bank loan or a single investor is simpler.
  • There is no clear way to pay investors from the plan.

What the platform handles, and what you do

The platform does the repetitive work and our team helps you set it up. You stay in charge of running the business.

Your investor portal

On your own domain, in your brand. Investors sign up, verify their identity through integrated providers, sign and pay.

Rules built in

Who may invest, from where and how much, checked by the platform on every transfer.

Register and payouts

The platform keeps the investor register and calculates and instructs distributions under the terms. We do not hold investor funds.

Setup and support

Our team runs the feasibility review, helps design the offer and coordinates the legal side with qualified local counsel.

You tell your story

You explain the plan to your customers and network. We help with the story and introductions where agreed.

You report honestly

You publish results from your console on schedule and pay investors under the terms.

Questions business owners ask

Do I lose control of my company?

Not if you offer a revenue share or a note, which leave ownership unchanged. If you offer shares, you decide which rights come with them, within company law.

What if we don't raise the full amount?

The documents say in advance what happens, for example a minimum amount below which the offering does not go ahead and money goes back to investors. We plan this with you before launch.

Is this legal where I am?

Offerings like this are possible in many countries, under different rules and size limits. Our own offerings were approved by the Securities Commission of the Republic of Serbia. For yours, the feasibility review checks your country, and qualified local counsel confirms the structure.

What do I owe investors?

Exactly what the terms say: the payments you agreed and regular, honest reports. If the business has a bad year, what investors receive follows the terms, and they should know that from the start.

How is this different from crowdfunding?

Reward crowdfunding gives backers a product. Here investors hold a regulated security with rights written in the documents. In some countries a licensed crowdfunding platform can be one of the ways to offer it.

Can we run a second round later?

Yes, subject to the same rules and approvals as the first. Follow-on offerings run on the same platform and investor register.

Has the platform been used before?

Yes. We run our own regulated offerings on it, including a hazelnut orchard offering in Serbia that raised more than €1.5 million from more than 140 investors. See the track record.. See the track record.

What does it cost?

It depends on your offering, so we quote in writing after the one week review. The quote covers the raise and the years after it separately, so you see both before you commit. Legal counsel, audit and identity checks are paid directly to the independent firms that do them, and we do not mark them up. If your raise is small enough that a bank loan or a single investor would be simpler, we will tell you in the review, before you have spent anything.

Is this cryptocurrency?

No. What your investors receive is a regulated security, with rights written in the documents, not a coin. Where the law requires it, the offering has to be approved by a financial regulator before anyone pays. The token only describes how ownership is recorded, which is why transfers and payments can follow the rules automatically. What a holding is worth depends on your business, not on speculation.

The example is illustrative only and this page is not an offer of securities or legal or investment advice. Any offering is made by your business under the rules that apply to it, including approved documents, investor checks and ongoing reporting. Asset Tokenization provides technology and advisory services only.

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