Legal structure

The structure that makes financing possible: $2,000 per asset

The legal structure is step 8 and the final step before fundraising. For $2,000 USD per asset, we create all the legal infrastructure needed for your operation to receive investment in a regulated, transparent, and secure manner.

This is the step where your asset goes from being a file on the platform to a formal, legally structured investment opportunity.

What is an SPV?

SPV stands for "Special Purpose Vehicle." In simple terms: it is a company created exclusively for your financing operation.

Why a separate company? For protection:

• For you: If something goes wrong with the investment, the SPV isolates that obligation from your other businesses and personal assets. Investors cannot go after your personal wealth beyond what is committed in the SPV.
• For investors: If you have problems in other businesses (debts, lawsuits, bankruptcy), the asset within the SPV is protected. Their investments are not affected by situations unrelated to this specific operation.

The SPV is a shield that protects both sides. It is a standard practice in the world of structured finance and institutional investment.

What does the legal structure include?

The $2,000 covers the complete creation of the necessary legal framework:

The SPV

• Incorporation of the legal entity dedicated to your operation
• Registration and corporate documentation
• Designation of directors and representatives
• Opening of the vehicle's operating accounts

Subscription agreements

The contract each investor signs when participating in your pool. It defines:

• Investment amount
• Agreed rate of return
• Financing term
• Investor rights and obligations
• Early exit conditions

Operating agreement

The contract between you as operator and the SPV. It establishes:

• Your payment obligations (monthly amortizing installment schedule)
• Your responsibilities for maintaining and operating the asset
• Reports you must deliver periodically
• Events of default and their consequences
• Restructuring procedures if necessary

Distribution schedule

A document that details exactly when and how much investors are paid:

• Monthly installment payment dates (principal + interest)
• Full amortization schedule
• Distribution procedure (how each investor's share is calculated)
• Payment mechanism (through the platform)

Regulatory framework

DOB Capital operates under the regulation of the Bermuda Monetary Authority (BMA), with a Class IIGB license. This means:

• Regulatory supervision. Our operations are subject to oversight by an internationally recognized financial authority.
• AML/CFT compliance. We follow strict anti-money laundering and counter-terrorism financing protocols.
• Disclosure standards. Investors receive complete, standardized information before investing.
• Fund segregation. Investor capital is kept separate from DOB Capital's operating funds.

The process

1. You pay the $2,000. Through the platform, with a credit or debit card.
2. Our legal team begins. Attorneys specialized in structured finance start preparing the documentation.
3. Review with you. Before finalizing, you review the main documents and resolve any questions.
4. Signing. You sign the necessary documents (digital process in most cases).
5. SPV incorporated. The entity is incorporated and ready to operate.
6. Pool activated. Your investment pool activates and you can begin fundraising.

Timelines

The legal structure typically takes between 2 and 4 weeks, depending on:

• The jurisdiction where you operate
• The complexity of the asset
• The speed of document review and signing

After the legal structure?

Once your SPV is incorporated and your contracts are ready, you are officially in the fundraising stage. You receive your shareable link for investors and can begin raising capital.

At this stage, fundraising fees apply:

• 1.5% of capital raised
• 0.5% of each distribution to investors

Take the final step

If your asset has already been validated (step 7) and received a Go decision, you are ready for the legal structure. This is the last step before you start receiving capital.

Go to my dashboard to start the legal structure for my asset.