Here you will find answers to the most frequently asked questions about our financial products and our digital investment platform.
Please note that many questions about investing can depend on individual goals, experience, or assessments. If your question isn’t answered here or you would like to discuss it personally, please feel free to contact us at any time – we’ll be happy to help and guide you through the entire investment process.
General information about the platform and how it works
Who is UNIVERS Capital?
UNIVERS Capital is a subsidiary of the pan-European MIMCO Group, an investment and project development company based in Berlin, Luxembourg, and Paris. UNIVERS Capital was founded so that our investors in Germany can also benefit from all MIMCO investment opportunities. UNIVERS places its proprietary financial products on the UNIVERS investment platform, which grants investors in Germany unrestricted access to MIMCO’s proprietary products.
Who is behind UNIVERS Capital?
UNIVERS Capital is backed by the financially strong MIMCO Group with a current investment volume of more than €1 billion, historically €7.3 billion, which is attributable to JURAG AG from Switzerland, among others. The company is managed by founders Bernd von Manteuffel and Christophe Nadal, surrounded by an experienced team of financial and property experts, investment professionals and entrepreneurs. This team impresses with extensive market knowledge and a strong, broad network.
What advantages do UNIVERS investors have?
UNIVERS Capital was founded to issue high-yield bonds for investors in Germany and to make them available through an investment platform. UNIVERS Capital’s product offerings are regulated by BaFin and subject to German law. The platform enables investors to invest in various real estate bonds, in compliance with strictly controlled German regulations to protect our investors.
What types of financial products are offered?
The UNIVERS platform offers bonds, private placements and club deals, each of which is issued for selected projects. Investors receive comprehensive information on the individual projects and can select their investment in a targeted manner.
What is special about the UNIVERS platform? How does it differ from other financial platforms?
The UNIVERS platform only offers financial products for its own projects. This creates a high degree of identity of interest with the investors and complete control over the investment products with a high degree of transparency and security at every stage.
What role does UNIVERS Capital play in the investment process?
UNIVERS Capital acts as a financial investment platform between our own project developments and investors. Through the platform, investors invest indirectly in the various projects and receive attractive interest in return.
How are the projects selected and reviewed?
Each project undergoes a comprehensive due diligence process in which the location, profitability and legal aspects are carefully scrutinised to ensure the quality and security of the investment. We bring in external experts, including HypZert-certified valuers, renowned auditing firms such as Baker Tilly and specialised law firms such as K&L Gates, to provide support and review.
Who is UNIVERS Capital suitable for?
For everyone. Private investors, in particular, appreciate the opportunity to invest in fixed-income securities in a smart, simple, and digital way. Semi-professional investors, family offices, and institutional investors benefit from the professional and efficient investment opportunities offered through private placements and club deals.
Who is a UNIVERS Capital bond suitable for?
Our bonds are ideal for investors who do not want to tie up their capital for the long term and prefer a short investment horizon, yet still expect attractive, stable interest rates.
How long am I invested?
The term of our bonds is typically between 1 and 3 years. For more detailed information, please refer to the product descriptions of the respective offers.
What are private placements and club deals, and how do they differ from other forms of investment?
Private placements and club deals are joint investments by a group of up to 20 investors, or investments with larger amounts starting at €50,000. These formats enable larger projects to be realized and risks to be better distributed.
Can I also invest as a corporation, GmbH, AG or holding company?
Yes, investments are possible with us in any legal form, whether as a corporation, GmbH, AG, holding company or other company forms.
Can foreign investors also invest?
Yes, foreign investors can subscribe provided they meet the legal requirements and the anti-money laundering regulations under applicable European law.
Can I invest jointly with partners or in a GbR?
This is possible in individual cases and depends on the specific project. Please contact us directly for further information.
Investment conditions and entry
What is the minimum investment?
The minimum investment varies depending on the offering. For public offerings, it is typically €500. For private placements or club deals, the minimum investment is usually €100,000, although there are exceptions that allow entry starting at €50,000.
What interest rate can I expect?
The amount and timing of interest payments depend on the respective project and are detailed in the corresponding project overview.
Is there an obligation to make additional contributions?
No, there is no obligation to make additional contributions.
How is the interest paid out?
Interest is paid out according to the contractual agreements of the respective project. Payment is usually made at the end of the project term. A final bonus is often also paid out.
Have the projects also been reviewed by banks?
Yes, all projects undergo the banks’ very extensive review procedures, as every project is monitored by banks. This provides additional security for our investors.
Are there also interest payments during the year?
Depending on the project, interest payments can also be made during the year. This can be the case in particular for portfolio improvements that already generate rental income.
Investment process and settlement
How exactly does the investment process work?
Select an investment product/project
Determine the investment amount
Confirm your investment request
Transfer the investment amount
Receive confirmation
Benefit from short terms and attractive interest rates with same-day settlement
What happens after I invest?
After your investment, you will receive confirmation and access to your personal investor dashboard with all relevant documents about your investment.
How can I view or manage my investment?
You create a personal customer account. With your personalised login, you have round-the-clock access to your investment account on the platform. There you can view your investments, the associated projects, maturities and all relevant documents.
Can I sell or transfer my investment before the end of the term?
The financial products offered can be transferred to third parties. Early redemption by the issuer is not provided for.
How long does it take from registration to the first investment?
The process usually takes less than 10 minutes. The identity check (KYC) and signing of the contract are carried out digitally and are completed very quickly.
What happens if a project is overdrawn?
In the event of oversubscription, investors will be considered according to the time of their deposit. Alternatively, you can be placed on a waiting list or we can make you an alternative investment offer.
Costs and fees
What fees do I have to pay as an investor?
UNIVERS Capital does not charge any registration or account opening fees, nor does it incur any ongoing costs for investors.
Are there any additional costs or fees associated with a UNIVERS Capital bond?
No. There are absolutely no additional costs associated with our bonds. There are no setup or ongoing fees. There are no issuance fees, no brokerage fees, no administration fees, and no account maintenance fees. 100% of the invested capital earns interest.
How does UNIVERS Capital make money?
By participating in the performance.
Are there any hidden costs?
No.
Who will cover the project’s additional costs?
These are already included in the business case and are financed from the project budget.
How much is the agio?
There is no premium for the UNIVERS offers on our platform, i.e. the agio is 0 euros. You purchase our products directly from the issuer, which allows us to act in a particularly cost-conscious manner for both our investors and the company.
Legal and tax aspects
How is my investment legally structured?
Investments are usually made through an investment company specifically established for the respective project.
What tax aspects do I need to consider?
You receive interest on your invested capital. The tax treatment depends on your individual situation. We do not offer tax advice and therefore recommend that you consult a tax advisor.
How is my data protected?
UNIVERS Capital attaches great importance to the protection of your data and relies on modern security standards and the latest technologies to protect your information.
What are the risks of investing?
A detailed description of the risks can be found in the respective project documents.
Sie in den jeweiligen Projektunterlagen.
Beginners and advanced investors
Is UNIVERS Capital suitable for beginners?
Yes, the platform offers understandable information and support for the investment process, even for beginners. Our team is always available to answer your questions.
Is there a way to diversify my portfolio?
Yes, you can diversify and optimise your portfolio by investing in different projects.
What support does UNIVERS Capital offer during the investment process?
The platform provides comprehensive information on each project and is available for questions and support. Our team is also available to support you at any time.
Institutional investors and family offices
Can external projects be offered via the platform?
No, it is not possible to place external projects via UNIVERS Capital. We have specialised in offering only our own MIMCO Group projects via the platform in order to guarantee our investors maximum control and security when investing.
How is the reporting done?
UNIVERS Capital provides regular reports and updates on its projects to ensure transparency for investors. For up-to-date information, you can also contact us at any time or subscribe to our newsletter.
Security
How safe is my investment in the event of the platform’s insolvency?
Investments are made through independent special purpose vehicles (SPVs). Should UNIVERS Capital become insolvent, your assets are protected by the SPV.
What happens if the project developer goes bankrupt?
In such cases, project-related security mechanisms, such as possibly bank guarantees, securities or escrow accounts, take effect. The exact regulations are regulated and described in detail in the respective project contract.
What security is there for my invested capital?
Your investment is subject to German law and is made through a BaFin-regulated investment product. When investing in real estate bonds through UNIVERS Capital, additional project-specific security mechanisms apply, such as bank guarantees, completion bonds, land registry rights, or contractual assurances. These securities vary depending on the project and are detailed in the respective project documentation and contract documents.
Which regulatory authority regulates UNIVERS Capital?
UNIVERS Capital operates exclusively within the framework of German law and all statutory requirements. Our products, in particular, are subject to supervision by BaFin (Federal Financial Supervisory Authority), depending on the structure of the respective offering. Further details on the regulatory framework can be found in the Legal Notice and in the project overviews.
How transparent is the project process for investors?
Investors can find out about their investment at any time in their personal investment dashboard.
How can I be sure that the project will really be realised?
All projects are carefully reviewed before being added to the platform. This includes location analyses, profitability calculations and credit checks of all project participants. If a project cannot be realised or is already oversubscribed, you can be placed on the waiting list or receive an alternative offer.
What happens if I need my money before the end of the loan term?
Early redemption of a bond by the investor is not possible. You could, however, transfer your bond to a third party. The advantage of our UNIVERS Capital bonds lies in their very short maturities of 12 to 36 months. This means your capital remains tied up for a manageable period, while you simultaneously benefit from attractive return opportunities.
How does subordination work?
Many bonds are subordinated, meaning that in the event of insolvency, other creditors are paid first. Our bonds differ in this respect. Our real estate bonds primarily serve to kick-start real estate projects. Maturities and repayments are structured so that investment capital and interest are returned to our investors even before the project is completed.
What role do market and location risks play?
Real estate markets are fundamentally locally determined and develop differently. Thanks to our team’s over 40 years of experience in the real estate sector, our extensive network of experts, and our comprehensive due diligence, we ensure that every project and every investment rests on a solid foundation of analysis and decision-making.
What role do interest rate risk and inflation play?
The interest rates on our bonds range between 8 and 12 percent per year. This puts them significantly above inflation and ensures a positive real return.
What is the risk of a partial or total loss?
As with all forms of investment—whether in the stock market, the equity market, or traditional bonds—there is always a risk of partial or total loss. Our special bonds are no exception.However, we treat real estate as a stable asset and incorporate hedging mechanisms even before issuing bonds to mitigate risks. Unlike volatile investments, our real estate bonds allow you to invest in real assets in a consistent, predictable, and indirect manner.
Since we own our existing properties and land, their tangible value is preserved. In addition, we invest our own capital in our projects, which aligns our interests with those of our investors. Our many years of experience in real estate and project development have been recognized by Creditreform with an “Excellent” credit rating.
Documents and Legal
What documents do I need to sign before investing?
Before investing, you must complete the subscription documents and the self-disclosure form.
How does the drawing work digitally?
The drawing is conveniently made via the investment platform. Simply follow the instructions in the interactive signing process. You do not need any additional downloads or programmes for your electronic signature.
How does the identity check (KYC) work?
Identity verification is carried out by uploading your ID document via the platform as required by law. You will be automatically connected to an employee who will carry out the identification.
What type of company is behind the investment?
The investment is often a project-related company in which you participate.
After the investment
How and when will I get my capital back?
Repayment depends on the term and project structure, as outlined in the respective project description. It typically occurs at the end of the specified investment period or upon completion of the project. Please refer to the product description for details. You will receive your invested capital, interest, and, depending on the product, a final bonus. Payment will be made to your specified reference account.
Are there reinvestment opportunities?
No, not in the traditional sense. You can view and invest in new projects and investment opportunities at any time via your dashboard.
What is the tax procedure after payment?
You will receive a contract statement with a detailed breakdown of the capital and interest. We recommend that you pass these documents on to your tax advisor, as we do not offer tax advice.
Sustainability and ethics
Are ESG criteria taken into account when selecting projects?
Yes, sustainability is a key selection criterion for all projects.
Which sustainability standards do the projects meet?
Depending on the project, DGNB, LEED or KfW certifications are met.
Can I invest specifically in sustainable projects?
Yes, sustainable projects are marked accordingly on the platform.
