At Modena Capital, our strategy has always been grounded in one core principle: keep it simple. We believe that managing wealth shouldn’t be a complex maze, but a clear, logical path to financial freedom.

Today, we are excited to announce significant developments in our product lineup. We have streamlined our offering into three distinct products, designed to give you full control over your money—whether your goal is maximum security, aggressive growth, or instant access.

Here is what is changing and what is coming next.

1. COMING SOON: Secure+ (Launching in January)

The biggest news is the upcoming launch of our brand-new product, Secure+, arriving this January. We designed this for investors for whom capital preservation is the absolute priority.

Secure+ is built to be robust enough for long-term, low-risk goals, making it a suitable option even for pension accumulation.

What makes Secure+ unique?

• 130% Real Estate Backing: Every loan in this portfolio is secured by real estate with a coverage ratio of 130%. This means the value of the collateral significantly exceeds the loan amount.
• Top-Tier Legal Protection: We are working with a leading law firm to engineer a “bulletproof” legal setup. This includes the appointment of an independent Security Agent.
• Total Separation of Risk: Secure+ assets are completely separated from Modena Capital’s standard business risks.
• Worst-Case Scenario Protection: In the unlikely event of a default or business failure, the Security Agent takes over. Their sole mandate is to liquidate the real estate collateral and guarantee that investors are repaid.

Secure+ is designed to provide peace of mind in a fluctuating market.

2. REBRANDED: ‘Fixed Term Vault’ is now ‘Growth Vault’

We have also revamped our existing portfolio. Our product formerly known as Fixed Term is now called Growth.

Why the change? The name Growth simply reflects the product’s purpose better. It offers the strongest yield in our lineup. It is the ideal choice for investors who are willing to lock in their capital for a set period to maximize their returns and see their wealth expand significantly.

3. TRIED & TRUE: Dynamic

The third pillar of our strategy remains Dynamic. This product is designed for liquidity. It allows you to hold capital that you might need on short notice. With Dynamic, you get fast access to your money, ensuring you are ready for life’s unexpected expenses or new opportunities, without letting your cash sit idle.

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The Strategy: Your Money, Your Rules

With these updates, Modena Capital now offers a complete toolkit to manage your wealth according to your life stage and risk appetite:

1. Secure+: Maximum safety and asset backing (Ideal for stability/pension).
2. Growth: Maximum yield (Ideal for wealth accumulation).
3. Dynamic: Maximum flexibility (Ideal for liquidity).

We are keeping the products simple, so you can focus on what matters—living your life while your money works for you.

Stay tuned—full details and the official launch of Secure+ are coming in January!

We have delivered disciplined execution, consistent returns, and technical transformation. However, until now, our public face—our website—reflected our starting point rather than where we stand today.

Today, we are proud to unveil the new Modena Capital website.

This isn’t just a visual refresh. It is a declaration of who we are today: a professional, transparent, and institutional-grade partner for your wealth.

Why the Change?

Trust is the currency of our business. While our portfolio performance has always been high-quality, we wanted our digital presence to reflect that same level of excellence. We have moved beyond the “startup aesthetic” to a design language that conveys stability, clarity, and professionalism.

Important: Your Investor Portal Remains Familiar

While we are excited to show off our new public look, we understand that when it comes to managing your money, consistency is key.

Please note that your logged-in dashboard (the Investor Portal) remains in its familiar design for now.

Whether you are checking your daily interest accrual, making a deposit, or withdrawing funds, everything works exactly as you remember it. This ensures a seamless transition with absolutely no disruption to your daily account management.

We are, of course, working behind the scenes to bring the new design language to the portal in the future, and we will keep you updated on those upgrades as they approach.

Just the Beginning

This new website is the foundation for the next chapter of Modena Capital. It sets the stage for new features, deeper transparency, and continued expansion across European markets.

Thank you for being part of our journey from the very beginning. We invite you to explore the new site and see the evolution for yourself.

Modena Capital turns one — marking the moment a bold idea became a trusted investment platform with a fast-growing community across Europe. It has been a year of disciplined execution, technical transformation and genuine investor trust. Our leadership reflects on the milestones that shaped this first chapter and the vision guiding the next.

Oliver (CEO): The Moment It Became Real

For Oliver, the moment Modena felt “real” came when he saw an investor transfer €50,000 into their Modena account. After nearly a year of building the platform with the team — and carrying the constant question of whether trust would follow — that transfer was a turning point. “It felt like a stone dropped from my chest,” he says. “It gave us the confidence that yes, we can do this.”

The first six months were defined by technical issues, fixes and the normal uncertainty of launching something new. Looking back, Oliver says he might have launched a few months later — but acknowledges that many real-world issues simply can’t be discovered in a test environment. If he could change one thing, it would be this: ask investors for more and earlier feedback. And he adds a note of gratitude to everyone who has taken the time to share what works and what doesn’t: “Every piece of feedback helps us shape the platform around investors’ real expectations.”

The biggest win of the year? Simply put: the whole year was a win. Modena exceeded every target — surpassing 1,000 registered users and financing over €13 million worth of agreements. Oliver credits this to the trust of Modena’s investors and the relentless work of the team.

Looking ahead, he’s most excited about the upcoming rebrand and new website, followed by the launch of several new investment products. Each step moves Modena closer to its core vision: an “invest and forget” experience — a platform where investors can deposit funds, trust that they are safe, and let their money work without constant oversight.

Rene (CTO): Engineering the Backbone

Rene describes year one as a quiet but profound transformation. Modena moved from a manually operated portal into a scalable, institutional-grade platform. A new data model and thoughtfully redesigned portfolio views brought speed, accuracy and real-time transparency to everything investors see — whether in the Fixed or Dynamic Vault.

The next chapter is about deepening that intelligence: shifting to a fully event-driven architecture, automating more core processes, expanding analytics and opening investor-facing APIs. The goal is a platform that reacts instantly, reduces noise and empowers investors with clear, reliable information at every step.

Chris (CMO): A Brand Growing Into Its Identity

As the product matured, so did the brand. Trust and user experience have become the central pillars of Modena’s visual language. Having “outgrown the playground of a one-year-old,” Modena now moves into year two with a more confident identity and a refined user experience that reflects the sophistication of the platform beneath it.

Jan (CFO): Discipline as a Growth Engine

For Jan, the defining achievement was the launch of the Investor Portal and Modena’s expansion into Germany and Central Europe. Adding credit agreements alongside factoring allowed Modena to meet investor demand consistently and responsibly.

The challenge for year two remains clear: maintain uncompromised credit quality while continuing to offer competitive returns and a steady supply of high-quality assets.

Looking Ahead

Year one was foundation-building. Year two will be about clarity, scale and a more seamless investor experience — always rooted in discipline and transparency. Modena Capital is only just beginning.

Building a stable and reliable income stream is a key goal for many investors. At Modena, we’ve built our platform with this exact idea in mind. Our goal is to help your capital grow into a regular monthly cash flow. Of course, it’s important to remember that all investments carry risks, and returns are never guaranteed.

Our strategy differs from many others because we don’t focus on speculative growth. Instead, we prioritize generating steady and consistent income. While market conditions affect all investments, we aim to navigate these conditions with our considered methods, with the goal of providing regular monthly payouts to our investors.

Our automated payout system puts you in control. You decide how much of your earnings you want to transfer to your bank account each month. You can use it to cover expenses, fund your dreams, or reinvest for potential future growth. This flexibility allows you to adapt your income strategy as your life changes.

We believe that investing should be about building a sustainable income, not just chasing market trends. Our efficient and lean business model helps keep costs low, and we pass this advantage on to our investors through our fee structure.

Before investing, we ask that you always carefully review our full terms and conditions. We also recommend consulting with a financial advisor to ensure our services are a good fit for your personal goals and financial situation.

We are proud that many investors have chosen Modena to build their additional income strategies.

Are you ready to explore how our approach could fit your goals?

June marked our strongest month to date in business loan growth. The loan portfolio expanded by 23%, bringing total active lending above €450,000.

This growth reflects the consistent execution of our asset allocation strategy and an uptick in engagement from both passive and active investors.

Our lending focus remains on small and mid-sized businesses across commerce, manufacturing, and real estate development—sectors selected for their stable cash flows and alignment with our credit standards. These include minimum debt coverage ratios and confirmed revenue performance.

Our platform offers diversified access to private credit opportunities, designed to complement conventional vehicles such as mutual or index funds.

The investor retention rate currently stands at 76.19%, reflecting confidence in our lending process, portfolio discipline, and ongoing performance.

Modena Capital operates within Estonia’s regulated, digital-first financial environment. Investor funds are held in segregated accounts, and returns are calculated monthly. Performance data is made available for transparency and monitoring purposes.

We remain focused on maintaining a disciplined, transparent approach as we enter Q3. Thank you for your continued trust.

Rising inflation and historically low bank deposit rates have created a challenging environment for capital preservation. Traditional savings products no longer keep pace with the cost of living, leaving investors searching for alternatives that offer both stability and meaningful returns.

Peer-to-peer lending has emerged as one of the most compelling solutions. By bypassing the inefficiencies of legacy banking systems, P2P platforms enable capital to flow directly from investors to businesses—efficiently, transparently, and with the potential for higher yields. This model not only empowers investors but also fuels the growth of companies that need flexible financing to scale.

At Modena Capital, our goal is to build an investment platform where both sides benefit. Investors can earn attractive, risk-adjusted returns, while borrowers gain access to the capital required to accelerate their development. Through technology-driven underwriting and a disciplined risk approach, we aim to make alternative investing accessible without compromising on responsibility or rigor.

In today’s market, capital that stands still loses value. Now is the moment to let your money work smarter. Explore the opportunities that modern alternative finance offers and take a more active role in shaping your financial future.

We know trust is everything in finance. That’s why we’ve built Modena Capital with security and transparency at the core.

Every loan listed on our platform goes through a rigorous vetting process to ensure borrowers are credible and financially stable. We assess risk profiles, financial history, and business performance before approving any loan.

Additionally, we offer diversification tools—so instead of lending to just one borrower, you can spread your investment across multiple opportunities. This helps mitigate risk while keeping returns steady.

We’re committed to building a platform where investors can grow their wealth with confidence. Your money should work for you, and we’re here to make sure it does—safely.

Traditional banks have dominated lending for decades, but peer-to-peer (P2P) lending is changing the rules. At Modena Capital, we believe in a world where investors and borrowers can connect directly—without unnecessary middlemen taking a big cut.

P2P lending allows everyday investors to earn attractive returns while helping businesses and individuals access capital efficiently. Instead of keeping your money in a low-interest savings account, you can put it to work and earn competitive yields.

At Modena, we carefully vet lending opportunities to minimize risk and maximize returns. It’s a win-win: borrowers get the funding they need, and investors see real financial growth.

Join us in reshaping the future of finance.