When investing through crowdfunding platforms, it's important to evaluate not only the offered returns or business plans but also the collateral instruments that may secure your investment. One such instrument—pledging an asset complex—is increasingly used as an alternative solution, especially when a business lacks unencumbered real estate.

What Is an Asset Complex Pledge?
An asset complex pledge involves securing a company’s assets under a first-rank mortgage. This complex may consist of:

• Movable property

• Equipment

• Inventory

• Accounts receivable

• Bank account funds or other similar assets

It’s important to note that the composition of the asset complex may change over time. However, FinoMark requires that a minimum value—meeting platform-defined criteria—is maintained throughout the financing period.

Where Is This Instrument Used?
On the FinoMark platform, each project is secured by different collateral instruments, depending on the project’s size, business creditworthiness, and other factors. Possible forms include:

• Personal guarantees

• Corporate guarantees

• First-rank real estate mortgages

• First-rank asset complex pledges

• First-rank pledges of vehicles, equipment, or machinery

Each project’s collateral is indicated in the platform’s marketplace using special icons with explanations, allowing investors to quickly understand the security behind a particular offer.

What Does This Mean for FinoMark Investors?
An asset complex pledge is one of the tools used to help protect investor interests. If the project owner becomes insolvent, FinoMark—acting on behalf of investors—can initiate asset recovery through the pledged assets with priority rights, without waiting in the general creditor queue.

Example: In one project, a pledged complex consisted of production inventory and receivables. When financial difficulties arose, asset recovery was initiated, and a significant portion of the invested funds was returned to the investors.

It’s important to understand that an asset complex pledge—like any other collateral—does not eliminate risk but can serve as a valuable component of risk management.

What to Consider Before Investing in a Project with an Asset Complex Pledge?
If you are considering investing in a project backed by an asset complex pledge, we recommend checking:

• Is it clearly stated what assets are included in the pledge?

• Is information about the asset’s value and maintenance mechanism provided?

• What are the enforcement terms if the project fails?

• How does the platform monitor and evaluate changes in the pledged assets over time?

Summary
An asset complex pledge is one of several collateral instruments used on the FinoMark platform to help protect investors in specific scenarios. While this form of security may not be suitable for every business, it can be a valuable financing option for companies with tangible—but not necessarily real estate—assets.

As with any investment, the key is to thoroughly assess the project’s terms, collateral structure, and the risk management mechanisms provided by the platform.

You can review all FinoMark projects with collateral on the platform—each instrument is marked with a dedicated icon and description.