Wealthon Fund S.A. deals with comprehensive solving of problems of legal persons who have fallen into a spiral of debt.
As one of the first companies on the Polish market, it introduced a bridging loan for entrepreneurs for repayment of liabilities in ZUS and in the Tax Office. The proceeds from the issue will allow further development of the company and the opportunity to reach as many entrepreneurs in need as possible.
Unique Selling Proposition
Companies are struggling with liquidity problems. 25% of entities conducting business in Poland have overdue public and legal liabilities,
including Polish Social Insurance Institution (ZUS) and Internal Revenue Service (Urząd Skarbowy - US), which prevents them from working with banks on an ongoing basis.
So far, there have been no financial products on the Polish market dedicated to this group of entrepreneurs.
Wealthon Fund has developed a specialized financial product - a loan for repayment of liabilities in ZUS and US.
Wealthon Fund S.A. deals with solving problems of legal persons who have fallen into a spiral of debt. The Wealthon Fund's clients are primarily owners of small and micro enterprises. Thanks to the flexible approach, Wealthon Fund is able to reach the source of the problem that caused the liquidity disturbance and offer optimal bridge financing enabling return to cooperation with banks. The company also provides advisory services for customers who have emerged from the debt spiral to establish a vision and plan for the firm to avoid liquidity problems in the future.
The business model implemented by Wealthon Fund is characterized by high efficiency.
This model has been refined for the past two years. In the first year of the test phase, nearly 200 applications were analyzed, out of which, 31 were successfully chosen and the loan was given out. In the following year, 41 out of 250 analyzed applications were paid out. Our loan has been granted at 0% with a fixed commission of 15%. The average amount was PLN 91,052. The average repayment time is 10 business days. Until now, the repayment of loans granted is 100%.
The funds obtained from the issue will be used primarily for the further development of the company, which in the perspective of 2 years should result in a significant increase in sales of its products. We hope that the number of loans granted will be:
By investing in Wealthon Fund S.A. you have the opportunity to join the group of investors profiting from the products offered on the financial market and become part of the community focused on the Wealthon brand. We would like to thank you for your trust and as soon as today offer you additional benefits resulting from being our shareholder. We have prepared various gifts for our investors!
From PLN 100 (5 shares)
From PLN 300 (15 shares)*
From PLN 500 (25 shares)
From PLN 1,000 (50 shares)*
From PLN 5,000 (250 shares)
From PLN 200,000 (at least 10,000 shares)*
When purchasing shares, as a reward, you will always be entitled to Shareholder certificate and Membership in the General Meeting of Shareholders and additionally the subject of the most expensive possible package.
Wealthon Fund addresses its offer primarily to micro and small enterprises operating in Poland.
Over the last 10 years, a systematic increase in the number of Polish enterprises has been observed.
In 2016, there were 2.01 million non-financial enterprises in Poland, defined as active, while in 2009 there were 1.67 million of them.
In the years 2008-2016, microenterprises of physical persons showed the highest profitability in comparison with the entire enterprise population. However, microenterprises are characterized by the lowest survivability - the first year of activity is endured by less than 70% of them. Greater entities have greater chances, as 95% of them make it through, consequently 92% and 81% of medium and small enterprises survive the first year. Around 25% of enterprises declare that in the last year (2018) they were threatened with loss of financial liquidity.
The main reasons for fear of loss of financial liquidity were delays in payments from contractors and loss of customers . This translates into delays in repayment of public law liabilities (mainly in ZUS and US). According to the Polish Social Insurance Institution (ZUS), the number of contribution payers as at 31/12/2017 is about 2.5 million entities.
Amount of debt in ZUS in divided into groups:
The problem of arrears in the Polish Social Insurance Institution concerns 584.9 thousand entities. 153 thousand has a debt of up to 116 PLN. Another 113 thousand - from 116 to 1000 PLN. The most numerous group - 255 thousand entities have debt in the range from 1 to 50 thousand PLN, while 2.8 thousand - debt exceeding 500,000 PLN.
The companies operating on the Polish market that provide loans to consumers are not competitors of the Wealthon Fund (which does not grant loans to natural persons - consumers, only to legal entities - entrepreneurs). Wealthon Fund operates in a niche market. Its direct competitors are natural persons (most often in some way connected with the debtor) granting him support for repayment of liabilities in the Polish Social Insurance Institution or the IRS.
Frequently asked questions.
The valuation of the shares was determined based on the valuation method - discounted cash flows. The company is managed by a team of professionals with extensive experience in the financial market.
Yes, the purchased shares can be sold at any time. No consent is required for this purpose. However, please inform the company about this transaction.
Yes, we have such plans - we would like to buy back our shares from shareholders after 2 years from the end of the share issue of the company, and their price will depend on the value of the company.
Having a share does not involve any duties. A shareholder is entitled to participate in the General Meeting of Shareholders closing the financial year of the Company.
We expect the payment of the dividend one year after the end of the company's share issue.
As the company grows, its value will grow. We expect the payment of the dividend one year after the end of the share issue of the company and its amount will depend on the company's profit.
Yes, we cooperate in this matter with the Beesfund.com platform, which has experience with similar shares and a law firm that cares about formal and legal issues. The campaign has been submitted to the Polish Financial Supervision Authority.