Example
Invoice for €50,000
You get right away€45,000
- Balance once the invoice is paid€2,900
- It costs you€2,100
€1,750 to investors + €350 to Mynown
Your customer pays the money back, not you.
Demo examples · made-up companies
For companies
Need money? Just say how much.
15 ways to raise it from people. You know the price up front, in one sentence.
I'm a companyExamples converted for your market. The demo app calculates in Czech crowns.
15 ways
Which way is right for me?
Tap a way. You'll see an example, the price and the risk.
Not sure? Three quick questions.
1What do you have?
2When do you want to pay back?
3How big is the company?
No way matches all your answers. Try a different answer.
Fast
Monthly
A piece of the company
Credit
Fast
Invoices
The company has an invoice its customer will only pay in 60 days. Investors give it the money right away.
Example companyKlas Bakery, invoice for €50,000 (the customer, Fresh Foods, pays in 60 days)
Gets right away
€45,000
- Balance once the invoice is paid€2,900
- It costs the company€2,100(€1,750 to investors + €350 to Mynown)
- Also gives investors credit€2,250(bread and pastries)
What it providesthe invoice and the customer's confirmation
RiskThe customer doesn't pay on time.
ProtectionThe invoice is confirmed and insured.
Fast
Grants
The company has an approved grant, but the state only pays it out in 4 months. Investors pay it in advance.
Example companyNova Manufacturing, approved grant of €60,000, paid out in 120 days
Gets right away
€50,000
- Pays back from the grant€52,700
- Left over from the grant€7,300
- It costs the company€2,700(€2,250 to investors + €450 to Mynown)
- Also gives investors credit€2,500(the company's products)
What it providesthe grant decision
RiskThe grant arrives later or the authority cuts it.
ProtectionOnly €50,000 of €60,000 is lent.
Fast
Contracts
The company has won a contract but has no money for materials and people. Investors lend it the money and are paid from the contract.
Example companyHorizont Construction, a €150,000 contract (repairing a school for the town), done in 6 months
Gets right away
€75,000
- Repays once the town pays€81,300
- Left over from the contract€68,700
- It costs the company€6,300(€5,250 to investors + €1,050 to Mynown)
- Also gives investors a discount€3,750(building work)
What it providesthe contract
RiskThe building work is delayed.
ProtectionThe town pays into a monitored account and investors are first in line.
Fast
Inventory
A shop needs to buy stock before the season. It pays back once the goods are sold.
Example companySezona Store needs €30,000 for winter stock, for 5 months
Gets right away
€30,000
- Repays in 5 months€32,160
- It costs the company€2,160(€1,800 to investors + €360 to Mynown)
- Also gives investors credit€1,500(goods in the shop)
What it providesthe purchase order and the stock
RiskThe goods don't sell.
ProtectionThe goods in stock secure the loan.
Fast
Trade deal
The company has a deal lined up: it buys goods and sells them at a profit. Investors fund the purchase and get part of the profit.
Example companyGarden Plus online shop buys garden furniture for €20,000 (puts in €4,000 of its own) and sells it within 3 months for €28,000
Gets right away
€16,000
- Repays after the sale€18,160
- Keeps from the profit€5,840
- It costs the company€2,160(€1,800 to investors + €360 to Mynown)
- Also gives investors credit€800(garden goods)
What it providesthe order and last year's sales
RiskThe goods sell more slowly or for less. Then the earnings are smaller and come later.
ProtectionThe company puts in €4,000 of its own and bears any loss first.
Monthly
Business loan
A loan to grow the business. The company pays every month and repays the whole loan at the end.
Example companyZrnko Café wants €25,000 for a second branch, for 12 months
Gets right away
€25,000
- Pays every month€375(€313 to investors + €63 to Mynown)
- Repays in 12 months€25,000
- It costs the company€4,500
- Also gives investors credit€1,250(coffee and food)
What it providesthe accounts and the owner's surety
RiskThe company stops paying.
ProtectionThe owner stands surety.
Monthly
Subscriptions
The company has customers who pay every month. It gets the money in one go and pays back from their payments.
Example companyStudio Pixel, 1,200 subscribers, wants €45,000 now, for 12 months
Gets right away
€45,000
- Pays every month€540(€450 to investors + €90 to Mynown)
- Repays in 12 months€45,000
- It costs the company€6,480
- Also gives investors a discount€2,250(the studio's services)
What it providesa list of subscribers and payments
RiskCustomers leave.
ProtectionSubscriber payments go through a monitored account.
Monthly
Revenue share
The company gets money and every month pays back a share of its sales until it has repaid 30 % more.
Example companyLuna Cosmetics (an online shop) wants €40,000 for advertising and stock
Gets right away
€40,000
- Pays backpart of its sales, about €4,350 a month
- Until it has repaid€52,000 (about 12 months)
- It costs the company€12,000(€10,000 to investors + €2,000 to Mynown)
- Also gives investors credit€2,000(cosmetics)
What it providessales for the last 12 months
RiskSales drop and repayment takes longer. If the company closes, part is not repaid.
Monthly
Licences and rights
The owner of rights (music, games, patents) sells part of their future income.
Example companyEcho Music Label, the songs earn about €5,200 a month, wants €24,000 now
Gets right away
€24,000
- Giveshalf its income, about €2,600 a month
- Until it has repaid€31,200 (about 12 months)
- It costs the company€7,200(€6,000 to investors + €1,200 to Mynown)
- Also gives investors credit€1,200(music and tickets)
What it providescontracts and statements of licence income
RiskThe songs stop earning. Then repayment takes longer or is not complete.
Monthly
Machines and equipment
The company gets a machine. It pays every month and repays the loan at the end. Until then, the machine is the collateral.
Example companyDub Joinery, CNC machine for €70,000, for 3 years
The machine seller gets right away
€70,000
- Pays every month€735(€613 to investors + €123 to Mynown)
- Repays in 3 years€70,000
- It costs the company€26,460 over 3 years
- Also gives investors a discount€3,500(made-to-measure furniture)
What it providesthe quote for the machine
RiskThe company doesn't pay.
ProtectionThe machine is sold.
Monthly
Bonds
A bigger company borrows from many people at once. It pays every 3 months and repays everything at the end.
Example companyDelta Engineering, €250,000 for a new hall, for 3 years
Gets right away
€250,000
- Pays every 3 months€8,438(€7,031 to investors + €1,406 to Mynown)
- Repays in 3 years€250,000
- It costs the company€101,250 over 3 years
- Also gives investors a discount€12,500(custom manufacturing)
What it provides3 years of accounts and the bond terms
RiskAt the end, the company doesn't repay everything.
ProtectionPublished accounts and the hall as collateral.
Monthly
Solar and energy
Investors pay for a power plant and every month get part of the money from the electricity sold.
Example companySolar Park South, a solar plant for €150,000
Gets right away
€150,000
- Pays from electricity salesabout €1,500 a month(€1,250 to investors + €250 to Mynown)
- There is no fixed end. The company can buy the pieces back over time.
- Also gives investors a discount€7,500(the company's services)
What it providesthe project and the power purchase agreement
RiskLess sun or a lower electricity price. Then the payout is smaller.
Monthly
Property
A building is split into pieces. Whoever owns a piece gets part of the rent every month.
Example companyLogistik Warehouse, a warehouse by the motorway, sells pieces worth €250,000
Gets right away
€250,000
- Paid out of the rent each month€2,188(€1,823 to investors + €365 to Mynown)
- There is no fixed end. The building can be sold and the money split.
- Also gives investors a discount€12,500(storage)
What it providesa valuation and the lease agreements
RiskThe tenant leaves or the building's value falls.
A piece of the company
Company shares
You buy a small piece of a company. You earn when it grows or pays out profit.
Example companyFaktio, company value €2,000,000, wants €100,000 to grow
Gets right away
€93,000
- Gives4.76 % of the company (200 pieces of €500 each)
- It repays nothing. Investors become co-owners. Mynown takes €7,000 (7 %).
- Also gives investors a discount€5,000(the company's software)
What it providesthe accounts and the shareholders' resolution
RiskThe highest. It can be zero. Earnings have no cap and are not certain.
Credit
Store credit
It's a gift card with a bonus. You pay a pub €50 today and can spend €65 there.
Example companyLom Brewery (a brewery with a pub) sells credit worth €10,000
Gets right away
€9,700
- Gives in returnbeer and food worth €13,000 within 12 months
- It repays nothing in money. Mynown takes €300.
- Pays Mynown 2 % of the credit spentat most €260
- Why it does itit has money now and the certainty that people will come.
What it providessales and the price list
RiskThe credit is valid only at this company. If the company closes, it may be lost.
Demo examples · made-up companies
Examples converted for your market. The demo app calculates in Czech crowns.
6 steps
How a company applies for money
- 1
Registers and gets verified
Company ID, bank account, who runs the company. Only once.
- 2
Picks a way and an amount
Two taps.
- 3
Uploads a document
A different one for each way, see “What it provides”.
- 4
Mynown checks and states the price in one sentence
For example:
“You get €45,000, it costs you €2,100.”
- 5
The company confirms
A token is issued and the offer goes to the marketplace.
- 6
Investors chip in
The money arrives in the company's account.
If not enough is raised by the deadline, the offer is cancelled and investors get their money back.
Company bonus
Investors become your new customers.
With every investment, the company adds a bonus worth 5 % of the amount put in.
Company sells goodsCredit for goods.
Company provides servicesDiscount on services.
Why the company does itThe credit only costs it the cost of the goods, the discount only part of its margin. It brings a customer who also spends their own money there.
The bonus can be given awaySend it to family or a friend. The company gains another customer.
MynownGets 2 % of spent credit or discount from the company. The investor pays nothing.
Valid only at that company. · Valid for 12 months. · Covers at most half the bill, so the company always gets a paying purchase too.
Try it in the demo.
I'm a companyMynown is in preparation. We don't accept applications yet. This is a preview.