How does it work?
The 7 steps from simulation to receiving capital. The first 4 are free.
On this page
From simulation to capital in 7 steps
DOB Capital has a clear and transparent process. No surprises. Each step has a defined purpose and you know exactly what comes next.
Most importantly: the first 4 steps are completely free. You only invest money when you decide to move forward with the formal validation of your asset.
The complete process
Step 1. Simulate your rate
Cost: Free | Time: 2 minutes
Enter basic information about your asset (country, industry, amount, term) and our rate engine prepares your personalized rate. At the end, the platform shows a summary of your operation and invites you to create a free account to unlock your exact rate, see the estimated monthly payment, and save your simulation.
Step 2. Create your account
Cost: Free | Time: 1 minute
Sign up with Google SSO or a magic link via email. When you create your account, we automatically generate a non-custodial Stellar account for your operation: always under your control, managed by the platform so you don't have to worry about technical setup.
Your account activates your operator dashboard, where you can see the status of each step and manage your assets.
Step 3. Create your financing
Cost: Free | Time: 3 minutes
Confirm the terms of your simulation and complete the essential information about your operation: financing type, amount, term, asset name, asset type, and a short description. You can also add a logo, cover image, pitch deck, and full description to present your operation to investors.
Creating your financing unlocks the subsequent steps in the process.
Step 4. Activate private financing
Cost: Free (1 tokenization included) | Time: Variable
Your asset is registered on-chain on the Stellar network, creating an investment pool accessible through a direct and private link. This activates the ability to receive private investment at your indicative rate.
Once tokenized, you can share the link with potential investors while you continue advancing through validation.
Step 5. Validate your financing
Cost: Free + $300 + $1,200 (3 progressive levels) | Time: Days to weeks
This is the most important step in the process. It is organized into three progressive levels: each level you complete improves your risk profile, reduces your rate, and moves your asset closer to public offering.
Level 1 — Documents (free)
Connect your tax authority or upload supporting financial documentation. DOB Capital reads your declared sales, tax status, and fiscal compliance history directly. This level is free and can significantly improve your rate.
In Chile the integration with SII is active. For other countries you can upload manual tax documentation during this level.
Level 2 — Due diligence ($300)
Our team performs formal verification of your identity (KYC/KYB), the existence and productivity of your asset, and the financial viability of the operation. At the end you receive a Go/No-Go decision. If it's a No-Go, you receive specific feedback to correct and reapply.
This level is the first payment gate of the process.
Level 3 — Full verification ($1,200)
In-depth verification of the asset and operation. Includes on-site verification (for physical assets), extended document audit, and contract validation. Completing this level enables the public offering and unlocks the lowest available rate.
Step 6. Back your asset
Cost: External costs (notarial/registry fees vary by country) | Time: Weeks
Your productive asset is formally committed as collateral for the financing. This is not a traditional bank guarantee: the same asset generating income is the guarantee. You continue operating it and receiving its income, but you cannot sell or transfer it during the financing period without authorization.
A backed asset represents lower risk for investors and can further improve your rate.
Step 7. Legal structure
Cost: $2,000 USD per asset | Time: Weeks
We create the legal structure needed for your asset to receive investment: a Special Purpose Vehicle (SPV), subscription agreements, operating agreements, and a distribution schedule.
Once the legal structure is complete, your asset is ready for fundraising and gains access to institutional investors (LPs specializing in real assets).
Process summary
| Step | Description | Cost | Time |
|---|---|---|---|
| 1 | Simulate your rate | Free | 2 min |
| 2 | Create your account | Free | 1 min |
| 3 | Create your financing | Free | 3 min |
| 4 | Activate private financing | Free | Variable |
| 5a | Validate — Level 1: documents | Free | Days |
| 5b | Validate — Level 2: due diligence | $300 | Days |
| 5c | Validate — Level 3: full verification | $1,200 | Weeks |
| 6 | Back your asset | External costs | Weeks |
| 7 | Legal structure | $2,000 | Weeks |
After the 7 steps: fundraising
Once your asset has a legal structure, fundraising begins. Direct investors can participate in your investment pool through a shareable link.
The fundraising fees are:
- 1.5% of capital raised (one-time charge when capital is received)
- 0.5% of each distribution to investors
These fees only apply when you actually receive capital or distribute returns. No investment, no charge.
Ready to get started?
Step 1 takes 2 minutes and costs nothing. Simulate your rate, create a free account, and compare it with what your bank offers.
Go to the simulator and start now.