Daskapital Review

What it is

Daskapital is a Portuguese platform, based in Porto, where you lend money to small and medium-sized businesses in Portugal and Spain, or finance their unpaid invoices. It is run by Daskapital Crowdfunding, S.A., which states that it holds a crowdfunding licence from CMVM, Portugal's securities regulator. It publishes no statistics: no amount lent, no number of investors or loans, and no default figures.

How it works

There are two products. Daslending funds business loans, usually repaid in instalments; Dasfactoring buys invoices at a discount, with your capital coming back when the invoice is paid (the platform's example is about 60 days). A third product, rent advances, is marked as coming soon. Loans are given letter grades such as BB or CC.

Rates are set by auction. You state the lowest rate you will accept; bids fill from the lowest rate upward, and everyone who gets in is paid the same clearing rate, so you never earn less than you asked for. You top up an e-wallet from €10; the minimum per loan is not published.

Returns

Daskapital advertises no headline rate. On 30 October 2026 a live loan auction (€10,000 over 24 months) stood at 13.50% a year, while recently closed loans were set at 7.90% to 9.00%. No average or realised return is published.

Losses and defaults

Daskapital publishes no default rate, no late-loan figures, no losses and no recoveries, and no definition of default. A licensed lending platform must publish yearly default figures under the EU crowdfunding rules, but none were found on its public pages (October 2026). The platform only says that if a borrower defaults it acts for investors to recover the money. As there is no data, you cannot see how often money is lost.

What secures your money

Daskapital says it requires real and personal guarantees on its loans, with details given per project. On invoice financing, the seller of the invoice must pay if its customer does not. There is no buyback and no reserve fund. No information is published on how guarantees are valued or what has been recovered from failed loans. The invoice business runs through a Spanish company, Daskapital España S.L., which is not regulated. For you this means guarantees may help in a default, but nothing published shows how well they have worked.

Who runs it and its licence

The operator is Daskapital Crowdfunding, S.A., company number 518046478, R. Alfredo Allen 455/461, 4200-135 Porto, a subsidiary of Das Kapital, Lda (company number 516460730; this number is often wrongly shown as a licence number). The platform states it holds CMVM licence no. 195089 under the EU crowdfunding rules; it is listed in ESMA's register of authorised crowdfunding providers. Its shareholders are linked to the Simoldes industrial group, and several recently closed loans went to Simoldes Plásticos.

Fees

Daskapital says investing is free, with no commissions for investors. Its published price list could not be read, so possible charges for selling early or withdrawing are not confirmed. Borrowing companies pay a success fee of undisclosed size. Interest from Portuguese borrowers is taxed at source.

Getting your money out

A secondary market exists when available, but its rules, costs and activity are not published. Otherwise your money comes back as loans are repaid; invoices are usually paid within a few months, business loans over their full term (the live loan in October 2026 ran 24 months). Cash in your e-wallet is held by NSPAY, a Lithuanian e-money institution.

Our view

Return: Very High — one live auction stood at 13.50% in October 2026, although recently closed loans were set at 7.90% to 9.00%. Risk: High (higher means more risk) — no default, loss or recovery figures are published at all, so we start at Medium and move it one step worse, to High. Risk-return: Low — held at Low because only an advertised rate is known, and the high rates cannot be weighed against any loss record.