Credit
I have up to €500
- Store credit: from €50 you get €65 to spend. Right away.
- Company shares: 1 piece for €500. Earnings have no cap and can also be zero.
For investors
Your €5,000 can earn every month.
You see up front who gets it, for how long and how much comes back to you.
I'm an investorThe higher the earnings, the higher the risk. For every way, you see both the risk and the protection.
Ranking
Where to put €5,000
What €5,000 earns, and how long it takes. Sorted by the highest earnings per month.
Demo examples · made-up companies
1
Trade deal3 months
target +€563
about €188a month
Example company Garden Plus online shop
- The investor puts in
- €5,000
- Target back in 3 months
- €5,563
Earns
target +€563
That's per month
about €188
Company bonus credit €250 (garden goods)
Risk The goods sell more slowly or for less. Then the earnings are smaller and come later.
Protection The company puts in €4,000 of its own and bears any loss first.
2
Revenue shareabout 12 months
target +€1,250
about €104a month
Example company Luna Cosmetics
- The investor puts in
- €5,000
- Gets every month
- about €521 (deposit and earnings together)
- Target back after 12 months
- €6,250
Earns
target +€1,250
That's per month
about €104
Company bonus credit €250 (cosmetics)
Risk Sales drop and repayment takes longer. If the company closes, part is not repaid.
3
Licences and rightsabout 12 months
target +€1,250
about €104a month
Example company Echo Music Label
- The investor puts in
- €5,000
- Gets every month
- about €521 (deposit and earnings together)
- Target back after 12 months
- €6,250
Earns
target +€1,250
That's per month
about €104
Company bonus credit €250 (music and tickets)
Risk The songs stop earning. Then repayment takes longer or is not complete.
4
Invoices60 days
+€194
about €97a month
Example company Klas Bakery
- The investor puts in
- €5,000
- Gets back in 60 days
- €5,194
Earns
+€194
That's per month
about €97
The customer pays the money back, not the bakery.
Company bonus credit €250 (bread and pastries)
Risk The customer doesn't pay on time.
Protection The invoice is confirmed and insured.
5
Business loan12 months
+€750
€63a month
Example company Zrnko Café
- The investor puts in
- €5,000
- Gets every month
- €63
- Back after 12 months
- €5,000
Earns
+€750
That's per month
€63
Company bonus credit €250 (coffee and food)
Risk The company stops paying.
Protection The owner stands surety.
6
Inventory5 months
+€300
€60a month
Example company Sezona Store
- The investor puts in
- €5,000
- Gets back in 5 months
- €5,300
Earns
+€300
That's per month
€60
Company bonus credit €250 (goods in the shop)
Risk The goods don't sell.
Protection The goods in stock secure the loan.
7
Contracts6 months
+€350
about €58a month
Example company Horizont Construction
- The investor puts in
- €5,000
- Gets back in 6 months
- €5,350
Earns
+€350
That's per month
about €58
Company bonus discount €250 (building work)
Risk The building work is delayed.
Protection The town pays into a monitored account and investors are first in line.
8
Grants4 months
+€225
€56a month
Example company Nova Manufacturing
- The investor puts in
- €5,000
- Gets back in 4 months
- €5,225
Earns
+€225
That's per month
€56
Company bonus credit €250 (the company's products)
Risk The grant arrives later or the authority cuts it.
Protection Only €50,000 of €60,000 is lent.
9
Subscriptions12 months
+€600
€50a month
Example company Studio Pixel
- The investor puts in
- €5,000
- Gets every month
- €50
- Back after 12 months
- €5,000
Earns
+€600
That's per month
€50
Company bonus discount €250 (the studio's services)
Risk Customers leave.
Protection Subscriber payments go through a monitored account.
10
Bonds3 years
+€1,688
about €47a month
Example company Delta Engineering
- The investor puts in
- €5,000
- Gets every 3 months
- about €141
- Back after 3 years
- €5,000
Earns
+€1,688
That's per month
about €47
Don't want to wait 3 years? You can offer your piece for sale at any time. The fee is 1 % of the price.
Company bonus discount €250 (custom manufacturing)
Risk At the end, the company doesn't repay everything.
Protection Published accounts and the hall as collateral.
11
Machines and equipment3 years
+€1,575
€44a month
Example company Dub Joinery
- The investor puts in
- €5,000
- Gets every month
- €44
- Back after 3 years
- €5,000
Earns
+€1,575
That's per month
€44
Don't want to wait 3 years? You can offer your piece for sale at any time. The fee is 1 % of the price.
Company bonus discount €250 (made-to-measure furniture)
Risk The company doesn't pay.
Protection The machine is sold.
12
Solar and energyno fixed end
target about €42a month
Example company Solar Park South
- The investor puts in
- €5,000
- Gets every month
- target about €42
Earns
target about €42
every month while holding the piecesThat's per month
about €42
You can offer your piece for sale at any time. The fee is 1 % of the price.
Company bonus discount €250 (the company's services)
Risk Less sun or a lower electricity price. Then the payout is smaller.
13
Propertyno fixed end
target about €36a month
Example company Logistik Warehouse
- The investor puts in
- €5,000
- Gets every month
- target about €36
- Price of a piece
- can rise or fall with the building's value
Earns
target about €36
every month, plus any rise in priceThat's per month
about €36
You can offer your piece for sale at any time. The fee is 1 % of the price.
Company bonus discount €250 (storage)
Risk The tenant leaves or the building's value falls.
Store creditright away
+30 % in goods (from €50 you get €65)
Example company Lom Brewery
- The customer pays
- €50
- How to pay
- by phone in the app, the credit is deducted
- Valid for
- 12 months
Gains
+€15
in beer and foodHas credit of
€65
Risk The credit is valid only at this company. If the company closes, it may be lost.
Company sharesno end date
earnings have no cap and can also be zero
Example company Faktio
- The investor puts in
- €5,000
- Owns
- 10 pieces, i.e. 0.238 % of the company
- Monthly payout
- none
If the company grows 3 times
€15,000
If the company closes
€0
You earn once the company grows and you sell your piece, or when it pays out profit.
Company bonus discount €250 (the company's software)
Risk The highest. It can be zero. Earnings have no cap and are not certain.
Tap a row to see the full example.
These figures assume €5,000. With €500 everything is ten times smaller, with a million ten times bigger.
You can offer your piece for sale to another investor at any time instead of waiting until the end. When you sell, you pay a fee of 1 % of the price. The higher the earnings, the higher the risk.
Examples converted for your market. The demo app calculates in Czech crowns.
What suits whom
How much do you want to put in?
Monthly
I have €2,500 or more
Example with €5,000
Invoices: +€194 in 60 daysabout €97 a month
In a savings accountit would be about €16 a month
- Earnings every month. Several times more than at the bank.
- Business loan: €63 every month. Trade deal: target +€563 in 3 months.
- Every investment also comes with a company bonus of 5 %. Credit for goods, or a discount on services.
Examples converted for your market. The demo app calculates in Czech crowns.
Money
How the money is split
The split rule
Of every 6 euros the company pays, 5 go to the investors and 1 goes to Mynown.
The company pays €2,100 for an invoice. Investors get €1,750, Mynown €350.
Even if Mynown took nothing, €5,000 would earn only €233 in 60 days. The company won't pay more for an invoice.
Company bonus
With every investment, the company adds a bonus worth 5 % of the amount you put in.
Company sells goodsYou get credit for goods. Say, a bakery, a coffee shop or an online shop.
Company provides servicesYou get a discount on services. Say, a builder, a studio or a joinery.
Valid only at that company. · Valid for 12 months. · Covers at most half the bill, so the company always gets a paying purchase too.
With every way you also get a company bonus of €250. Credit for goods, or a discount on services.
Two small fees
Mynown also has two small fees. If you hold your piece to the end, you pay nothing.
Selling a piece to another investor1 % of the price, paid by the seller. Example: you sell pieces for €5,000, you get €4,950 and Mynown €50.
Credit or discount spent in the app2 %, paid by the company. Example: you spend €250 of credit, the company pays Mynown €5. You pay nothing.
Examples converted for your market. The demo app calculates in Czech crowns.
If something goes wrong
The higher the earnings, the higher the risk.
Fast
First a reminder, then insurance or collateral (the invoice, the goods). Investors are first in line.
Monthly
If the company stops paying, the owner's surety or collateral is used (a machine, a building). If sales drop, it pays back more slowly.
A piece of the company
The value of a piece can fall all the way to zero.
Credit
Credit can only be spent at that company. That's why there is a limit on how much of it the company may sell.
The figures are demo examples. No investment is without risk. That's why every way states its risk and its protection.
Try it in the demo.
I'm an investorMynown is in preparation. We don't accept money yet and make no offers. This is a preview.
