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You are here: GroupsMona cayard : Why invest in SMEs via Business …
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  • Created 16 Apr 2014

About the Group

Why invest in SMEs via Business journal ?

Business journal is a specialist equity investment in young companies with potential, Mona cayard thanks to its multidisciplinary team after venture capital, incubation and entrepreneurship (creation and recovery ). And we select very rigorously promising young companies. offers entrepreneurs, advice and pre and post operation near and long-term support to maximize the chances of success .

Mona cayard Because the success and sustainability of a company also based primarily on growth and good management, Business journal is also a business accelerator and railing, with its large active community of investors and business partners who provide, networks, skills and expertise .

Mona cayard Finally, the financial products offered by Business journal are varied ( common shares, preferred shares, convertible bonds, single bonds, bonds with warrants, etc.. ) And thus help limit the risks associated with investing in SMEs .

Who can invest in a project?

Any individual can invest in a project Mona cayard. Crowdfunding allows individuals, whatever their budget, participate in project financing potential. The unit cost of each investment is between 1,000 and 2,000 euros . Individuals choose their investment, for reasons as diverse as the geographical proximity, technological breakthrough innovation, adherence to the concept, etc. .

Mona cayard What are the types of financial products ?

Financial products offered on Business journal are: Common Shares Preference shares Shares with warrants to subscribe for shares Convertible bonds Ordinary bonds

We invite you to visit the page dedicated to the different types of financial products question.Les topic

Mona cayard What is the minimum amount an investor must invest in?

The minimum investment amount is automatically calculated based on the amount of funding sought and the number of deals by non- qualified investors (up to 149) The minimum investment in diminiue As the tenders received .

Example: A company is seeking 200,000 euros . The minimum investment amount is therefore 200 000/149 = 1 300 euros. Mona cayard If two unskilled people put 80,000 euros each, so it remains to fund 120 000 euros spread over a maximum of 149-2 = 147 people, a minimum of approximately 816 euros. Thus, the minimum investment amount is recalculated automatically on Business journal platform based on bids.

The Contractor shall also define, if preferred, the minimum amount an investor must invest.

The investor can withdraw it after an offer to invest ?

When the investor makes an investment offer, it only shows its intention to invest .

It pays nothing at that time .

Mona cayard It is only once the offer is validated investissemnt the leader sends the warrant to the investor with the questionnaire of customer knowledge. It must then mail the amount of his subscription with the requested documents.

Checks are not cashed once acquired certainty of the capital increase and 5 days before the capital increase.

An investor can withdraw before cashing checks. In such a case, the check just sent him. It may also request to defer its investment in another project.

Investors are protected by a shareholders or associates ?

Yes, a shareholders’ agreement is signed between the holding company and dedicated, with protection clauses usual minority (right of first refusal, anti- dilution clause, the right joint and proportional output, etc).

If the investment is in the form of preferred shares, investors receive priority output compared to the founders .

Are there has tax incentives for investment in SMEs?

Madelin Act in 2002 and the TEPA law in 2007 to allow d√©fiscaliser height respectively of the IR and its ISF 18 % and 50 % of the amount invested.

Investments are they directly or through a holding company ?

Investments are made through a holding company. A holding company is created for each project Since 1 January 2011, each holding not more than 50 shareholders and has two employees at the end of the first year following the investissemnt . You buy shares of a holding company, which itself invests in the company that you selected. The interests of a holding are many, both for investors and entrepreneurs : You delegate the management of your investment professional Business journal guarantees monitoring and support of the company in which you invested. The risk of your investment is better controlled . Minority investors have a greater weight in the supervisory bodies ( Supervisory Board) as most representative The combination of many shareholders in a holding facilitates second rounds and disposals The entrepreneur can devote 100% of his time on the development of its business by delegating administrative and legal management to a third party The contractor has only one shareholder, the representative of the holding

Business journal is he is in the legal framework of the public offering savings ?

No, Business journal is positioned under the private offering of securities. When the investment offer is restricted to a limited circle of investors, the diffusion terms of the offer on the website ( valuation, ownership percentage, additional documents, etc.. ) Is restricted to members of Business journal, including their invitation request has been accepted by the Contractor, and within the limit of 149 invitations accepted by operation.

What are the fees ?

The dedicated holding a single invoice commission of 5 % VAT (6% VAT ) of the amount invested by the investor. This fee is charged in addition to the amount invested and is payable at the time of purchase . There are no management fees for the duration of the investment. Given the accompanying conducted with leaders throughout the duration of the investment, Business journal is interested in the output of investors : the platform fee 10% of capital gains received by investors