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We finance consumers
Modena issues credit to carefully vetted consumers.
Invest in your financial success.
Target returns up to 11% p.a. by investing in loans. Set automated payouts, start with 50 €, and get going in 3 minutes.
Why Modena works for you
We’ve redesigned how people invest in loans to make the process clear, transparent, and accessible.
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Transparent returns Modena offers a platform for investing in loans, including consumer loans and Buy Now, Pay Later claims, with transparent returns of up to 11% p.a. -
Risk management While every investment carries some risk and the returns cannot be guaranteed, we have taken measures to minimize the risk for our platform users starting from the very careful selection of loans we publish for sale. You can read more on the risks and protections from the dedicated risks section. -
Automatic payouts You can set what percentage of the returns you earn on the platform is paid out automatically to your IBAN at the start of each month.
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Start with 50 € You can start investing in loans on Modena’s platform with as little as €50 and increase the committed amount at any time. -
Automatic process It's easy to get started. Our registration process is end-to-end fully automatic. You can create your account within 3 mins. -
User support Modena commits to supporting their platform users with whatever topics or questions they might have. Our phone lines and email are always open to questions, suggestion and feedback.
- Established at
- 2024
- Average annualized earnings
- 8.83 %
- Number of users
- 7 068
- Total Investments
- +43M €
How Modena Capital works
A simple four-step process explaining how investing in loans works on the Modena Capital platform.
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Publishing loan claims
Loan claims are published on the portal.
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Your funds put to use
Your funds purchase those published loan claims.
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Receive daily repayments
As borrowers repay, you receive your share of principal and interest
How returns from loan claims compound
Your money grows over time with the power of compounding.
The revenue you earn is automatically added to your portfolio, so you start earning interest on both your initial money and the revenue.
Over time, this helps your portfolio to grow faster and faster. This calculator is based on an example yield of 11% p.a. Please note, however, that past performance is not necessarily a guarantee of future returns.
The revenue you earn is automatically added to your portfolio, so you start earning interest on both your initial money and the revenue.
Over time, this helps your portfolio to grow faster and faster. This calculator is based on an example yield of 11% p.a. Please note, however, that past performance is not necessarily a guarantee of future returns.
Period
Total Contribution
Value in
Ready to start earning today?
Understanding risks and protections
We believe in complete transparency – investing always carries some risk, Read below more about our risk management.
Comprehensive screening
Our comprehensive screening system examines credit history, income verification, debt-to-income ratios, and behavioral patterns to ensure only creditworthy borrowers receive funding. We are not a subprime lender.
Diversification
Modena encourages that investors diversify the investments across multiple loan claims to ensure no single default or late payment significantly impacts the returns.
EU Regulated Lender
We maintain full compliance with EU lending regulations, undergo yearly financial and internal audits, and submit regular reports to regulatory authorities.
Disclaimer
Every investment carries some risk and past earnings are not a guarantee of future performance. It is important for everyone to understand how the platform works, what are the risks involved and what actions has Modena taken to mitigate them.
Risk Policy
Read the risk statement here.
We are here to support
If you have any questions please feel free to contact our support at info@modena.capital
