Crowdinvesting Österreich: Eine Übersicht

Crowdinvesting Österreich ist ein relativ junges Phänomen, das sich in den letzten Jahren schnell entwickelt hat.

Die ersten Crowdinvesting-Plattformen in Österreich wurden 2013 gegründet.

In Österreich gibt es derzeit mehr als 20 registrierte Crowdinvesting-Plattformen.

Diese Plattformen bieten Investoren die Möglichkeit, in Unternehmen zu investieren, anstatt in traditionelle Anleihen oder Aktien.

Crowdinvesting is a way for companies to raise funds from a large number of people, typically through an online platform.

Investors can choose from various projects and invest as little as €1,000. The minimum investment amount can vary depending on the project.

Investors receive a share of the company's profits or assets in exchange for their investment. This can provide a potential return on investment.

Investors can also sell their shares on secondary markets, allowing them to exit their investment if needed. This adds liquidity to the investment.

Crowdinvesting platforms often provide detailed information about the projects, including financial data and business plans. This helps investors make informed decisions about their investments.

Investors can diversify their portfolios by investing in multiple projects, spreading risk and potentially increasing returns.

Crowdinvesting Projekte in Österreich können und werden auch schief gehen, wie beispielsweise die Burgerkette "Masta George", das verpackungsfreie Geschäft "Holis Market" oder der Holzetuihersteller "Woodero" zeigen.

Die Unternehmen, die auf Crowdinvesting setzen, sind oft nicht transparent und informieren die Darlehensgeber mangelhaft. Die Crowdinvesting Plattformen werden deshalb oft kritisiert, dass sie stark verkaufen, aber im After-Sales-Service deutlichen Verbesserungsbedarf haben.

Die Darlehensverträge sehen oft ein Reporting vor, aber die Unternehmen halten sich oft nicht daran und die Plattformen können diese Informationen nicht teilen.

Crowdinvesting Projekte können problematisch sein. Die Unternehmen sind oft nicht transparent und informieren die Darlehensgeber mangelhaft.

Das Thema Crowdinvesting ist noch sehr jung in Österreich. Es gibt bereits Misserfolge zu berichten.

Die Darlehensverträge vereinbaren oft ein Reporting, aber die Unternehmen dem nicht nachkommen.

Beispiele von Crowdinvesting in Österreich die bereits schief gingen sind die Burgerkette „Masta George“, das verpackungsfreie Geschäft „Holis Market“ und der Holzetuihersteller „Woodero“.

Crowdinvesting platforms offer a range of investment opportunities, but it's essential to understand the risks involved. Die FMA warns that the risks associated with crowdinvesting can be swift and severe, potentially leading to a total loss of invested capital.

Some platforms, like BetonGold, allow investing in top-tier real estate with a minimum investment of EUR 500, offering returns of 5.25 to 7% depending on the property type.

The costs of using a crowdinvesting platform can vary significantly. According to available data, the fees for companies using these platforms range from 8 to 13% of the raised capital, depending on the services required.

Here's a breakdown of the costs for companies using a crowdinvesting platform:

Note that these costs do not include additional fees for services like campaign marketing or investor management.

In Österreich gibt es klare Regeln für Crowdfunding und Crowdinvesting. Einzelprojekte dürfen Einzelpersonen nicht mehr als 5.000 Euro einbringen, es sei denn, es wird einseitig erklärt, dass das geplante Investment das globale, doppelte Monatsnetto im Jahresschnitt oder 10 % des Finanzvermögens nicht übersteigt.

Ein Prospekt für das Projekt/Unternehmen muss aufgelegt werden, wenn das Volumen 1,5 Millionen Euro übersteigt. Hier wird von einer Prospektpflicht light gesprochen. Volle Prospektpflicht gilt ab 5 Millionen Euro. Ein Informationsblatt gilt für Investitionsvolumina in der Höhe ab 100.000 bis 1,5 Millionen Euro.

Die Regeln in Deutschland sind strenger als in Österreich. Investitionen ab 250 Euro erfordern ein unterschriebenes Informationsblatt, und ab 1 Mio. Euro gilt die volle Prospektpflicht.

In Austria, the rules for crowdfunding and crowdinvesting are quite clear. Einzelpersonen can invest up to 5,000 Euro in a single project, unless the investment exceeds their global, double monthly net income in the year or 10% of their financial assets.

The rules become more complex when it comes to the amount of investment. If the investment volume exceeds 1.5 million Euro, a prospect for the project/company must be published, which is referred to as a "prospektpflicht light". This requirement becomes a full prospect obligation if the investment volume exceeds 5 million Euro.

Most crowdfunding projects in Austria fall into the category of investment volumes between 100,000 and 1.5 million Euro, where an information sheet is required.

In contrast, Germany has stricter rules. An information sheet must be published from the very first Euro invested, and a full prospect obligation applies if the investment volume exceeds 1 million Euro.

To invest in a crowdfunding project in Germany, you must submit a signed information sheet to the issuer from an investment of 250 Euro. If you invest more than 1,000 Euro, you must also prove that your financial assets exceed 100,000 Euro or that your monthly net income is at least twice the planned investment.

The Alternative Financing Act (AltFG) is a national framework that governs investment platforms operating within Austria. It's used by smaller, local platforms that don't offer transferable securities.

These platforms are confined to the Austrian market and are overseen by local trade authorities, not the FMA. This can simplify the regulatory burden for these platforms.

The AltFG imposes financial and disclosure requirements, allowing issuers to raise up to EUR 2 million per 12 months.

Issuers may need to provide a full capital market prospectus or a shorter information document under certain volumes.

You can invest with just EUR 100 on Rendity, which operates in Austria, Germany, and Switzerland. The platform allows investors to buy shares in rental property to get rental income and benefit from the property appreciation.

The average loan duration on Rendity is 19 months, and the advertised return rate is 8.5%. All the shares are registered in the land register, providing a top-safe investment environment.

Rendity offers a deposit protection of up to EUR 100,000, giving investors peace of mind. You can select among three options on the platform: investing in real estate projects from experienced developers, innovative business models to help solve environmental problems, or promising small- and medium-sized companies.

On CONDA, you can invest in a variety of projects, including startups and established companies with a proven track record. The minimum investment amount is not specified, but CONDA offers a range of investment opportunities.

Investing with Rendity offers a range of benefits, including the chance to earn up to 12.00% p.a. and invest in projects with loan durations between 12 and 48 months. You can also earn a cashback of up to EUR 50 on your first investment.

Here are some key facts about investing on Rendity:

In Österreich gibt es eine Vielzahl von Plattformen und Anbietern für Crowdinvesting. Die FMA warnt vor den Risiken von Bürgerbeteiligungen, die schnell schlagend werden können und zu einem Totalverlust des eingesetzten Kapitals führen können.

Die FMA hat auch darauf hingewiesen, dass es für Anleger bei Bürgerbeteiligungsmodellen weder den gesetzlichen Anlegerschutz noch eine Einlagensicherung gibt.

In Österreich gibt es einige bekannte Plattformen für Crowdinvesting, wie z.B. Invesdor.at, GREEN ROCKET, LION ROCKET, conda.at, 1000×1000.at, Crowdfunding für Gemeinwohl und respekt.net. Diese Plattformen bieten Möglichkeiten, in innovative Produkte oder Unternehmen zu investieren.

Hier sind einige der wichtigsten internationalen Crowdfunding Plattformen, die auch in Österreich genutzt werden können:

In Austria, you can find a variety of platforms for investing in startups and companies.

One popular platform is conda.at, which offers crowdinvesting in companies. To invest on conda.at, you need to register and log in to the platform.

The platform presents innovative, profit-oriented companies that offer a potential value for crowd investors. CONDA focuses on high-quality, regional companies, providing a diverse range of investment opportunities.

You can also invest on partner platforms, such as recrowd.at, which use CONDA's technology to finance their own projects.

Here are some top crowdinvesting platforms in Austria:

If you're looking to invest in international startups, there are several platforms to consider.

Kickstarter and Indiegogo are two well-known platforms that allow you to invest in innovative products from the USA and internationally.

You should be aware that investing on these platforms can be more complicated than investing on a platform based in Austria, due to potential differences in laws and regulations.

Here are some popular international crowdfunding platforms for startups and innovative products:

Please note that investments in these platforms can be associated with significant risks.

As an investor in a crowdinvesting platform in Austria, you have the right to receive regular updates and success reports from the company you invested in.

These updates will be provided through the platform or via email, keeping you informed about the progress of your investment.

You won't have any voting rights or additional obligations as an investor, but you'll still have access to important information.

If you're a private individual investing in a crowdinvesting platform, you have the right to withdraw from the investment within 14 days of accepting the company's offer.

If you decide to exercise this right, the platform will arrange for the payment service provider Lemonway to refund your investment amount within 10 working days of receiving your withdrawal request.