Bond Issuance for SMEs: Raise Debt From the People Who Know Your Company
Your company issues its own bond and places it with customers, staff, suppliers and other investors who know you, under EUR 12M a year without an EU prospectus. ONINO supplies the software for subscription, payments and coupon payouts; licensed partners keep the register.
WHAT IT COSTS
The traditional way
Issuing bank, rating, prospectus, listing and paying agent each charge their own fee.
Your own bond with ONINO
Under EUR 12M you place the bond yourself, without an issuing bank or listing. Your next bond runs on the same setup.
WHERE YOUR INVESTORS SIGN UP
YOUR BRAND
Your logo, your domain
The subscription page looks like part of your website.
SIGN-UP
Subscribe and pay in one place
Licensed partners handle identity checks and payments in the background.
AFTER THE RAISE
Coupons paid automatically
The software sends interest payments to every investor on schedule.
YOUR INVESTORS
Who Buys Your Bond
Your first buyers are people who already know your company. You can reach them yourself, and a licensed partner can help you find more. Below are some examples:
Staff
Mention it at your next team meeting or in a staff email.
Suppliers and partners
Ask through account managers and partner events.
Minimum amount
If it is not reached, investors get their money back.
What if not enough people buy?
A licensed partner can take your bond to investors beyond your own circle.
WHICH ROUTE FITS
Under EUR 12M a Year, No EU Prospectus
The EUR 12M counts every security you offer in 12 months, across the EU. A private placement tranche does not count toward it.
Private Placement
Who can buy
< 150 Investors or only qualified
No Volume Cap
No Prospectus needed
WITH ONINO
An invite-only subscription page on your website. Licensed partners handle investor checks.
Public Offer in One Country
Anyone
WITH ONINO
A public subscription page on your website, with the document built into the sign-up.
EU-Wide Public Offer
Who can buy
Anyone, also in several countries
Volume more than 12M
EU prospectus
WITH ONINO
Your subscription page next to the bank. Onboarding and coupon payouts stay on your site.
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