FAQS
Yes, Fundora does have a sponsorship offer.
Investors can recommend the platform to their friends and family and benefit from an advantage when their sponsor makes their first investment.
In order to maintain a healthy and qualitative environment, the number of referrals is limited. The aim is to encourage authentic and relevant recommendations, not to create an excessive or unbalanced incentive system.
The precise terms and conditions (conditions, ceiling, nature of the benefit) are detailed in your personal space.
You can pay for your investment:
- By bank card, with the possibility of using Apple Pay or Google Pay
- By instant transfer, directly at the time of your subscription
These solutions allow fast and secure processing of flows related to your investment.
Historically, private equity funds require high entry tickets, often in excess of €100,000, or several million euros, because they are reserved for institutional or professional investors.
Fundora makes this indirect access possible from €100 through three mechanisms:
1. Mutualization of investors
The capital of several investors is grouped together in a dedicated envelope. This makes it possible to collectively reach the minimum ticket required by the underlying fund.
2. Structuring via adapted vehicles
Investments are made through specific legal structures that allow individual subscriptions to be grouped together while respecting the regulatory framework.
3. Digitalization and cost optimization
The 100% digital platform reduces administrative and operational costs, making access to small amounts viable.
In summary, Fundora does not change the requirements of institutional funds: it allows investors to group together to access them collectively, in a structured and regulated framework.
Yes. Fundora operates within a strict regulatory framework and relies on several approved players.
- Fundora SAS (REGAFI 745649) relies on payment services provided by Memo Bank, a credit institution approved by the Autorité de Contrôle Prudentiel et de Résolution (ACPR).
Memo Bank provides customers with individualized virtual IBANs allowing the secure processing of flows related to investment transactions. - Fundora Conseil Acts as Financial Investment Advisor (CIF), registered with ORIAS under number 25001125.
- As part of regulatory obligations to verify identity and to combat money laundering and the financing of terrorism (LCB-FT), Fundora may use specialized providers, in particular Onfido.
- Kyoseil AM is a Portfolio Management Company approved by the Autorité des Marches Financiers (AMF) under number GP-99040.
Yes. As soon as you make your first investment, you will receive an email invitation to join the private Fundora community.
This community is hosted on a dedicated Discord server where members can:
- Exchange between investors
- Ask their questions
- Share their thoughts on the proposed strategies
- Helping each other to understand private equity
The objective is to create a constructive and educational space for exchange, reserved for investors who have already joined the Fundora adventure.
The main difference lies in the level of investment, structuring and access conditions.
Fundora
Accessible from €100, this offer makes it possible to invest in private equity strategies via a shared system, with simplified subscription and educational support.
Fundora Plus
Available from €30,000, this premium offer is aimed at investors who want a more institutional framework. In particular, it allows:
- To benefit from the traditional mechanism of calls for funds (capital called gradually)
- To access larger or reserved allowances
- To take advantage of more advantageous pricing
- To benefit from reinforced support
In summary, Fundora makes private equity accessible to as many people as possible, while Fundora Plus offers an experience that is closer to institutional standards, with optimized conditions.
Private equity is a long-term investment. In principle, the capital is immobilized for the entire life of the fund, generally between 6 and 10 years (with possible extensions).
There is no guaranteed repurchase mechanism or liquidity organized before maturity. In theory, an assignment is still possible if a buyer shows up, but there is no guarantee of time or price.
This illiquidity is an integral part of the private equity model. By agreeing to immobilize their capital over a long period of time, investors allow funds to support companies in their development without short-term pressure. It is precisely this patience that can contribute to value creation and potentially higher returns than more liquid asset classes.
It is therefore recommended to invest only a portion of your savings that you can lock in over the long term.
Kyoseil plays a central role in structuring the strategies offered on Fundora.
Its role is divided into three stages:
- Definition of strategic directions
In consultation with Fundora, Kyoseil structures the main lines of investment strategies (LBO, venture, secondary, themes, geography, level of diversification, etc.).
- Selection of underlying funds
After discussions and recommendations from Fundora, Kyoseil validates the most relevant funds to implement the defined strategy.
- Negotiation of benefits with managers
As a professional investor, Kyoseil interacts directly with management companies in order to obtain allocations in professional funds.
Investing on Fundora is a three-step process:
- Adequacy questionnaire
You complete a regulatory questionnaire to assess your personal and asset situation and your investment experience.
Your profile must be validated and considered suitable for private equity in order to be able to invest.
- Identity verification (KYC)
Your identity is checked in accordance with regulatory obligations. The funds are deposited into a secure personal wallet at an approved institution.
- Choice of strategy and subscription
Once your profile is accepted, you select the strategy corresponding to your objectives and finalize your online investment.
Fundora offers a new investment strategy approximately every week (or every 10 days), allowing investors to gradually build a diversified portfolio throughout the year, by spreading their commitments across different strategies, sectors, and geographies.
How are winnings taxed?
Taxation depends on your personal situation and investment structure.
For a natural person who is a French fiscal resident:
- Distributions (capital gains or income) are in principle subject to flat rate of 31.4%
(12.8% income tax + 18.6% social security contributions).
An option for the progressive income tax schedule may be possible depending on your situation.
For a holding company subject to corporate tax (IS):
- The income received (dividends, financial products) is integrated into the company's taxable income.
- They are subject tocorporate tax (IS) at the current rate (15% up to €42,500 in profits under conditions, then 25% beyond).
The fees vary according to the amount invested and the formula chosen (Classic or Horizon).
In general:
- Admission fees: between 2% and 10%
- Annual management fees: between 0.3% and 1.5% per year
The higher the amount invested, the lower the fees.
The formula Classic provides for lower entry fees (2% to 3%) but higher annual fees (1% to 1.5%).
The formula Horizon provides for higher entry fees (4% to 10%) but lower annual fees (0.3% to 0.5%), which is becoming more advantageous.
The fees are transparent, easily visible and detailed before any subscription, directly on the platform.
- Starting at €100 for the general public offer
- Starting from 30,000€ for the premium offer Fundora Plus
Fundora Plus allows:
- Progressive calls for funds (such as institutional ones)
- Reduced fees
- Personalized support
- Priority access to certain benefits
Yes. Throughout the life of your investment, you have a dedicated personal space allowing you to access a set of structured information, in the interests of clarity and transparency.
In particular, you will find:
• Periodic summaries (every six months) on the situation of the underlying funds,
• Occasional updates on the main stages of the life of portfolios (acquisitions, raises, sales, etc.) ),
• A simplified visualization of your commitments, past flows and projections related to your investment.
The objective is to allow you to stay informed in an educational way, without technical jargon, in accordance with the way private equity investments work.
Fundora facilitates access to private equity funds through management under mandate from €100.
You benefit from several support levers:
• A platform designed for simplicity, pedagogy and transparency.
• A legal structure designed with legal professionals and approved management companies.
• Support throughout your career.
Like any investment in the unlisted, these products involve risks, including capital loss, reduced liquidity, and a long investment horizon.
Private equity is a long-term asset class with specific characteristics and several types of risks. In particular:
• Reduced liquidity: fund units are not easily resold and exits are generally made at the end of the cycle.
• Deferred valuation: performances are observed over several years, without immediate visibility.
• A risk of capital loss: like any investment in unlisted assets, there is no guarantee of return or capital recovery.
These products are aimed at investors with a long horizon, an ability to withstand the prolonged immobilization of their savings, and accepting uncertainty about future performance.
Past performance is no guarantee of future performance.
A private equity fund is a collective investment vehicle that finances unlisted companies, generally to support their development, transformation or transmission.
These funds are managed by professional teams, who select companies based on their strategy, sector, maturity stage and growth model.
Investments are made over a long period of time (often 6 to 10 years) and include specific risks, in particular a capital loss, a limited liquidity And a significant blocking time.
There are several types of strategies:
• Venture capital : support for young innovative companies,
• Capital development (growth) : support for growing businesses,
• LBO (Leverage Buy-Out) : acquisition of mature companies via debt,
• Secondary : purchase of shares in existing funds under specific conditions.
As with any investment, performance will depend on a number of factors, including economic conditions, fund strategy, and length of ownership.
The opportunities presented via our platform are selected by a authorized management company - Kyoseil Asset Management (number GP-99040), and registered at ORIAS under number 10055067 as an Insurance Broker, within professional funds investing in a portfolio of unlisted companies.
Unlike some crowdfunding schemes, these funds are based on collective management and selection by specialized teams. In particular, this allows a diversification across several companies, although this does not eliminate the risk of capital loss.
Fundora supports investors throughout their journey via an intuitive interface and regular monitoring, in compliance with the regulatory framework applicable to Financial Investment Advisors (CIF).
No As with any investment in unlisted assets, there is a risk of partial or total loss of invested capital. These products are aimed at investors who are able to bear this risk and to lock in their savings over the long term.
Sectoral and geographic diversification can contribute to reduce exposure to certain risks, but it does not guarantee capital in any way.
As a Financial Investment Advisor (CIF), Fundora Conseil is required to ensure that the management service under an investment mandate is adapted to your profile. To do this, we will ask you to complete a questionnaire about your financial situation, goals and investment experience. This questionnaire results in an adequacy report, which assesses the relevance of the mandated management service in light of your investor profile.
Some professional funds (such as FPCI) are mainly aimed at professional investors, due to their level of complexity, regulatory requirements and often high investment amounts (over €100,000).
These vehicles are not directly accessible to non-professional investors.
Fundora has structured its offers with the authorized management company (Kyoseil AM), in order to select and offer indirect exposures to this type of fund, in compliance with the regulatory framework in force. This model is based on a rigorous selection and individualized support for each investor.
Yes, it is possible to invest via a company, a holding company or a dedicated legal structure, by adding a specific profile to your investor area.
Depending on your situation, this type of structuring may have tax or legal implications, which should be analyzed with your usual advisors.
If necessary, our team can refer you to qualified contacts to assist you in the implementation.
No, not at the moment. The opportunities offered on Fundora are not not eligible for PEA, life insurance or PER.