Real estate
Private debt
Private equity

Investing is intended only for investors for whom the possible loss of part or all of their investment will not mean a significant deterioration of their economic situation.

To invest in one of the Investment Opportunities, you must first log in to the Platform. On the page dedicated to the presentation of the investment opportunity, click on the "Invest" button. Then select the amount of the investment in the appropriate field and click on the "Invest" button. A confirmation SMS code will be sent to the phone number you entered when you registered and you can enter it in the appropriate field. Then press the "Confirm" button. After this step, we will send you an email confirming your investment. At this point, you will also receive a contingent participation.

After you have made the investment, funds in the amount of the investment you have made are blocked in your account so that they cannot be disposed of during the fundraising period. The funds will be unblocked in the following cases:

1. failed fundraising
2. failure to draw the loan developer for any reason

otherwise, where the fundraising is successful and the drawdown of the loan by the developer takes place, a transfer of the invested amount (or part thereof) will be made to the developer's bank account.

We will inform you by email when the funds have been sent to the developer. However, the sending of the funds to the developer does not constitute the moment of receipt of the participation. The acquisition of participation will occur at the moment of successful fundraising. We will inform you by email that you have obtained a participation.

On the basis of your participation, the proceeds arising from the loan concluded between Upvest and the developer are then transferred to you until it is repaid in full.

Upvest charges a fee for providing payment services. This fee is only payable by investors who hold valid (pending) participations. It is expressed as a percentage of the investment amount, is charged annually, but is only paid from the proceeds. Upvest charges this fee for processing payments in relation to a specific participation and administering the electronic payment system.

The value of net proceeds is quoted after deducting this fee.

For more information on fees, please refer to the Schedule of Fees and the Project Fee Schedule.

Because investing through the platform increases the investor's wealth, income from such investments is subject to taxation. Below is the taxation procedure for a Czech tax resident individual for whom this is an occasional income and this activity does not meet the characteristics of a business and does not have these investments in his business assets.

The taxation of income from investments through participations is subject to taxation under Section 10 (other income) of Act No. 586/1992 Coll, In view of the opinion of the General Financial Directorate dated 19 October 2017, income from participation in loans should be taxed under the provisions of Section 10(1)(b) of the Income Tax Act under the following conditions. According to the provisions of Section 10(4) of the ITA, the tax base is the income from participation achieved in a given taxable year, less the expenses incurred to achieve it, up to the amount that has not yet been applied in previous taxable years.

In Section 10, expenses are not linked to the taxable year in which they were incurred, but are linked to income (i.e. the year in which the increase in assets occurred). Since the different participations generate the same type of income, it is possible to subsequently offset expenses and income between the different participations within the same tax year. Expenses can only be claimed up to the amounts not claimed in previous tax periods and any loss cannot be carried forward to the next tax period.

In the case of the income of an investor of upvest s.r.o., the tax base is therefore the entire income received from the participation in the tax period (i.e. everything received) less the amount of funds provided for the participation and the amount of the related fee, only up to the amount not yet claimed in previous tax periods. The taxable income occurs at the moment of crediting to the investor's account, i.e. at the moment when the investor can further dispose of the funds (withdraw them, continue to invest them or leave them in the account).

Please note that upvest s.r.o. does not provide tax advice and the above information is only informative and non-binding. Each investor is obliged to file their own tax return by 1 April of the following year. Please consult your tax advisor if necessary about the tax aspects of participations.

To successfully register you will need:

You can register using Bank ID, just make sure your bank supports this feature. After that, you just need to log into your online banking when you choose to register via Bank ID.

or

You can register by filling out our registration form on the website. You will then need:

1. A copy of the front and back of your ID card (separately).
2. A copy of the front of your driver's license OR passport OR insurance card OR birth certificate OR firearms license.
3. Information about your bank account: prefix, number, bank code.
4. Mobile phone

1. Copy of the front and back of the ID card (separately) of all natural persons who will act for the legal person.
2. Copy of the front of the driver's license OR passport OR passport OR insurance card OR birth certificate OR firearms license of all natural persons who will act for the legal person.
3. Bank account information of the legal entity: prefix, number, bank code.
4. Mobile phone number of all natural persons who will act on behalf of the legal entity.
5. If the ownership structure cannot be read from the commercial register, a copy of the document indicating the ownership structure (e.g. list of shareholders).
6. A copy of the front and back of the ID card (separately) of all real owners.
7. The mobile phone number of the natural person actively acting for the legal person and the mobile phone numbers of the other natural persons acting for the legal person and their interaction (physical presence or remote connection) when signing contractual documentation.