Back your financing

Your productive asset is your guarantee

At DOB Capital, financing is backed directly by your productive asset. You don't need additional mortgages, personal co-signers, or traditional bank guarantees. Your asset, the one that generates revenue and that you're looking to scale, is the guarantee.

This model is fundamentally different from banking. A bank asks for guarantees that go beyond what you're financing. DOB Capital uses the very asset you're financing as the backing.

What does it mean for you as an operator?

The asset-backed model has concrete implications you should understand:

You continue operating your asset

The asset remains under your operational control. You manage it, you make the day-to-day decisions, you receive the revenue it generates. The backing does not mean you lose control of your operation.

You maintain ownership

As long as you comply with the payments as agreed, ownership of the asset remains yours. The backing is a guarantee, not a transfer of ownership.

The asset is committed

During the term of the financing, the asset is committed as collateral. This means you cannot sell it, transfer it, or encumber it with another obligation without prior authorization. This is a reasonable restriction that protects all participants.

Obligation to maintain productivity

You commit to keeping the asset in operational condition. If the asset stops producing revenue due to negligence or abandonment, the agreement's protection mechanisms are activated.

What does it mean for investors?

Investors participating in your investment pool have the assurance that their capital is backed by something concrete:

• Real, productive asset. It's not an abstract promise. There is a solar farm, a fleet of trucks, or an industrial plant generating real revenue that backs the investment.
• Verifiable cash flow. The asset's revenue is documented and, when possible, verified through the country's tax authority.
• Legal structure that protects. The SPV (Special Purpose Vehicle) isolates the asset. If the operator has problems in other businesses, the asset within the SPV is protected.
• Defined recovery mechanism. In case of default, there are clear procedures for executing the guarantee, always prioritizing the operational continuity of the asset.

The backing process

The backing of your asset is formalized during the legal structuring phase (step 8 of the process). It involves:

1. Asset valuation. The fair market value of your asset is determined to ensure it adequately backs the requested amount.
2. Registration in the SPV. The asset is registered within the Special Purpose Vehicle, legally isolating it.
3. Guarantee contracts. The legal documents formalizing the commitment of the asset as backing for the financing are signed.
4. Digital registration. The asset is registered digitally on the platform with all its backing information.

What happens at the end of the term?

When the financing period ends and you've met all your payments:

• The commitment is released. Your asset is no longer committed as collateral.
• You regain full control. You can sell, transfer, or refinance your asset without restrictions.
• The SPV is closed. The legal structure created for the operation is dissolved in an orderly manner.

It's a clean process. You fulfill your obligations, you pay, and your asset is completely free again.

What happens if you can't pay?

DOB Capital prioritizes restructuring over execution. If you face difficulties:

• First, restructuring. Alternatives are sought such as term extension, temporary payment adjustments, or grace periods. The goal is to keep the asset operating and producing.
• If restructuring isn't viable. The guarantee mechanisms defined in the contracts are activated. This may involve the transfer of the asset to protect investors.
• Transparency always. The process is defined in advance in the contracts. There are no surprises. Both parties know the rules from the start.

No traditional bank guarantees

Let's repeat the most important point: you don't need to go to a bank to obtain an additional guarantee in order to access financing with DOB Capital. Your productive asset, the one that already operates and generates revenue, is enough.

This model makes financing accessible to operators who are currently excluded from the traditional banking system, not because of a lack of capability, but because of a lack of conventional guarantees.

Start with the simulator

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