Investing in the
German Mittelstand

kapilendo AG is a full-service provider in the field of alternative finance for SMEs. kapilendo helps SMEs and established growth companies access classical and subordinate loans from private and institutional investors. The company has been operating out of Berlin since January 2015. To date we have originated loans amounting to more than € 40 million. We are backed by notable shareholders including, pension fund of the Berlin Chamber of Dentists, FinLab, Engel & Völkers Capital, Axel Springer and Comvest Holding.

•   low correlation to traditional asset classes
•   steady returns
•   direct

For years, the low-interest environment in Europe has made it difficult for institutional investors to generate sufficient returns. Even though interest rates for Government bonds and other secure investment opportunities are rising, the 4% target many pension funds and insurance companies require remains far off. The search for stable and predictable returns is a recurrent theme. Alternative forms of investments, like private debt, can provide investors access to the returns they need. Due to the low correlation to traditional asset classes SME loans are particularly suitable for diversification.

P2P Lending is a subset of the private debt asset class.

In contrast to “traditional” private debt funds which offer loans in the range of EUR 5 to 50 million, kapilendo’s digital platform provides an efficient model for the origination of smaller loans up to EUR 2.5 million, for German SMEs. In addition, the relatively small ticket size lends itself to building a diversified portfolio.