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At Klear, we are constantly looking for ways to expand your investment opportunities. That's why we are making two important changes to the platform: we are expanding our product offering with corporate loans and adding a new Short-Term strategy to Auto Invest.
New opportunity - corporate loans
Until now, investments on Klear were focused on consumer and business loans. We are now adding short-term business loans (with maturities of up to 12 months) to carefully selected companies with a transparent financial history, stable performance indicators, and a proven market presence.
Our first two partners are:
- ITF Group - a public company traded on the Bulgarian Stock Exchange, with several successfully completed bond issuances and strong financial results in the financial services sector.
- ELG Group, through its brand Cazam - a leading financial group specializing in online leasing, long-term rental, and purchase and sale of vehicles.
Loans to our new partners come with a Buyback obligation - if a loan falls into arrears of more than 90 days, Klear automatically buys back your share. You receive the remaining principal and the interest accrued up to that point.
What returns can you expect?
Returns depend on the investment term. The rates shown are on an annual basis:
- 3 months - 6%
- 6 months - 7%
- 12 months - 8%
Shorter periods allow for interest capitalization, which further increases the effective return on your investment.
New Short-Term strategy in Auto Invest
Along with our new partners, we are adding a new strategy designed specifically for investors who:
- Want to invest exclusively in loans with a Buyback obligation.
- Have a shorter investment horizon and prefer higher portfolio dynamics.
- Are looking for greater liquidity.
The Short-Term strategy joins the options you already know:
- Standard Strategy - automatically allocates funds for broad diversification, but with a longer investment horizon.
- Custom Strategy - you set the parameters yourself through filters such as term, return, or loan type.
You can switch between strategies at any time, depending on your goals.
Control over diversification
By default, we have set a limit of 2% of your portfolio for investment in each loan published on our platform, including corporate loans. We do this to protect your portfolio from excessive concentration.
If your strategy requires otherwise, you can change this limit at any time and set the maximum amount you wish to invest.
Invest wisely and easily
New loans are marked with a special icon and are accessible through the "Loan Type" filter. You can activate the Short-Term Strategy or adjust your limits at any time from your profile.
Now is the time to make your investments more adaptive and take advantage of new opportunities on the market.
You can find detailed information in our FAQ section.
