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We finance consumers
Modena issues credit to carefully vetted consumers.
Invest in your financial success.
Earn 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 where you can buy consumer loan's and Buy Now, Pay Later claims and earn 11% p.a on the investment. -
Automatic payouts You can set a percentage of the revenue that you earned on the platform that will be automatically paid out to your IBAN beginning of every month. -
Buyback guarantee Modena offers a buyback guarantee. All the loans that are 35 – 90 days late will be bought back.
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Start with 50 € You can start on Modena's platform with as little as 50 €. It's always possible to increase the committed amount at any time later -
Automatic process Once you have deposited the funds, the platform automatically buy claims arising from Modena's loans and Buy Now, Pay Later contracts. -
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
- 12.34 %
- Number of users
- 1 092
- Total Investments
- +14M €
How Modena Capital works
A simple four-step process about the inner works of Modena Capital.
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Create diversified pools
Loans are grouped into diversified loan pools to spread credit risk.
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Your investment buys loan pools
Your funds automatically purchase stakes of these loan pools.
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Receive daily repayments
As borrowers repay, you receive your share of principal and interest
Your money grows with us
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.
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.
Period
Total Contribution
Value in
Ready to start earning today?
Understanding risks and protections
We believe in complete transparency. While investing always carries some risk, Modena provides industry-leading protections to safeguard your capital.
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.
Auto diversification
Each investment is distributed across loan pools, containing hundreds of loans, ensuring no single default significantly impacts your returns. Our algorithm optimizes diversification based on risk profiles.
EU Regulated Lender
We maintain full compliance with EU financial regulations, undergo quarterly audits, and submit regular reports to regulatory authorities. Your funds are held in segregated accounts.
Capital reserves
Our reserve fund is maintained at 15% of outstanding loan value, exceeding regulatory requirements. This ensures we can honor our buyback guarantee even in worst-case scenarios.
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 mitigated them.
Risk Policy
Read the risk policy here.
Book a Consultation
Book a free consultation with our Head of Finance who will give you a comprehensive overview of Modena’s risk policy. Contact support to book a call.
