Mozzeno

Mozzeno is a pioneering Belgian fintech platform that facilitates indirect investments in consumer loans, enabling individuals to borrow and invest online efficiently and transparently. By connecting borrowers and investors directly, Mozzeno eliminates intermediaries, ensuring that the value remains within the community. For borrowers, Mozzeno offers a seamless digital experience to obtain personal loans and investment credits. The platform provides immediate responses to loan applications, allowing users to manage their loans entirely online without the need for physical appointments. Mozzeno emphasizes transparency by offering clear terms and conditions, including representative examples of loan costs. For instance, a loan of €6,500 over 36 months at an annual percentage rate of 11.49% results in a monthly installment of €212.57, with a total repayment amount of €7,652.52. Additionally, borrowers who make timely monthly payments are rewarded with a partial refund of their application processing fees. Investors on Mozzeno can support local personal and professional projects by investing in Notes, which are financial instruments corresponding to individual loans. Investments start from as little as €25 per series of Notes, with a minimum initial deposit of €500 required on the investor's account. The platform categorizes Notes into different risk classes, ranging from A+ (insured series) to D (higher risk), allowing investors to select investments that align with their risk tolerance. Depending on the protection mechanism in place, investors can allocate up to 5% to 20% of their portfolio's current value to a single series of Notes. Mozzeno operates under the supervision of the Financial Services and Markets Authority (FSMA) and holds a license as a consumer credit lender. The platform is also registered as an insurance intermediary with the FSMA, enabling it to offer debt balance insurance to borrowers. All activities are based in Belgium, and Mozzeno complies fully with Belgian tax regulations, maintaining transparency and integrity in its operations. Committed to accessibility, Mozzeno continually develops and improves its services to meet the diverse needs of its clients. The platform strives to make its website and services accessible to as many people as possible, regardless of their specific requirements. For more information on accessibility measures, users can consult the Accessibility Statement available on the Mozzeno website. By fostering a collaborative lending environment, Mozzeno aims to reinvent the traditional banking system, focusing on human connections and supporting the local economy. The platform empowers individuals to invest in concrete, local projects, thereby boosting their capital while contributing to the financial well-being of their communities.