Raise directly from citizens and investors with a subordinated loan, profit participation right or green bond. The instrument is structured with legal partners, an investment information sheet or securities information sheet is filed with BaFin, and investors subscribe through a digital, branded flow with KYC/AML built in. Projects typically combine senior bank debt for the base with citizen capital for the mezzanine layer - the citizen tranche improves both funding and local acceptance of the project.

A subordinated loan with qualified subordination: in a crisis, repayment ranks behind all senior creditors and pauses if it would trigger insolvency. That subordination is why it counts as equity-like capital and why it's regulated as an investment product (German Investment Products Act, investment information sheet) rather than a security. Coupons have typically run [2–4]% p.a. over [5–10]-year tenors - modest fixed interest in exchange for funding the local energy transition.

The platform side takes under 24 hours; disclosure preparation and the BaFin process drive the timeline - typically weeks. Repeat projects launch faster because the investor base and rails already exist.

A fixed plan per issuer plus fixed-rate disclosure preparation - no percentage of the raise, unlike crowdinvesting platforms (typically 3–7% all-in).

Yes - the §2a German Investment Products Act crowdfunding route caps per-investor amounts, which is precisely what makes broad citizen participation possible without a prospectus.