Non-bankable assets are high-quality tangible assets that are not accepted by financial markets or traditional credit institutions as collateral for loans.

This creates a market inefficiency: sellers often face opaque mechanisms and high transaction costs, while buyers lack structured, rules-based access to this asset class.

FinanceFarm addresses this gap by consolidating the entire transaction cycle from acquisition and structuring through to distribution within a single mobile app, making the process transparent, traceable and audit-proof.

Every acquisition at FinanceFarm requires a minimum safety margin of 61% compared to the most recent reliable market transaction price.

This means FinanceFarm only buys an asset if its purchase price is at least 61% below the most recently verified fair value, providing a substantial buffer for buyers before any return is considered.

This conservative discipline is non-negotiable and applies across all strategies (D3, D6, and D9).

D-6 is FinanceFarm's core rotation strategy, targeting an average holding period of approximately six months. It is the standard product and the main driver of transaction volume on the platform.

Buyers co-finance the acquisition via the app and participate in the upside at exit.

A repurchase premium of 20% on the original sale price applies at exit. Of this, 85% (17% net) flows to buyers, and 15% is retained by FinanceFarm as compensation for structuring and marketing.

D-9 follows the same logic as D6 but with a longer holding period of approximately nine months. It is used selectively for assets where an extended marketing window is economically prudent or additional value can be expected.

The repurchase premium for D9 is 25% of the original sale price, of which buyers receive 85% (21.25% net) and FinanceFarm retains 15%.

D-9 is used alongside D6 to give buyers exposure to both standard and extended-cycle opportunities.

The Buy-Back Option is a short-term structure with a maximum term of four months. It is designed for buyers who want short duration, predictable income, and lower exposure to market timing.

Buyers participate by contributing 30% of the capital employed and receive a return of 6% for the four-month period.

The return is not scaled or tiered by time, making it a clear and straightforward product for buyers seeking simplicity.

Sellers onboard via a guided digital workflow in the app: they enter asset details, upload documentation, complete e-signatures, and undergo compliance review.

No listing goes live until all compliance checks are approved, contracts are signed, and the asset has been physically verified.

Payout happens only after funds are actually received, reconciled, and all required approvals are granted. This multi-step process ensures no distribution occurs without full verification.

Every deal at FinanceFarm has its own segregated cash account. Inflows and outflows are kept strictly separate from the company's general operating funds.

All capital flows are routed through predefined, segregated escrow accounts under clear, structured agreements.

Distributions to buyers are only triggered once the sale proceeds have been received in FinanceFarm's bank account and confirmed in an audit-proof record. Buyers then claim their return directly in the app.

All subscriptions are processed exclusively through the app, in compliance with applicable KYC/AML requirements.

A KYC/AML process is automatically initiated once a buyer reaches or exceeds USD 1,000 in daily co-ownership participations. No further participation is enabled until this process is successfully completed.

The Compliance Officer monitors all KYC/AML processes, data protection rules, and regulatory frameworks, acting as the interface between the operating business and external supervisory partners.

FinanceFarm uses a multi-stage, strictly evidence-based valuation process. Provenance, condition, transaction history, and market segments are systematically documented for every asset.

Market information including auction results, dealer quotes, and comparable transactions is analysed and transferred into a consistent valuation framework. A deliberately conservative fair value is then determined.

A proprietary valuation application models historical price data, liquidity indicators, volatility regimes, seasonal patterns, and potential exit paths. The output feeds directly into acquisition decisions and strategy allocation (D3, D6, or D9).

Every asset on FinanceFarm is represented digitally in the app as fractional co-ownership shares, each governed by a clear, structured agreement.

All critical steps including issuance of participation rights, subscription, lock-up status during the holding period, exit execution, and distribution are processed automatically by the platform.

Every step is logged with timestamps and a complete audit trail, providing full traceability and auditability. Buyers can view live deal status, documents, payment progress, and maturities in their dashboard.

D-3 is a tailor-made short-term solution with a planned holding period of approximately three months, designed for industrial and corporate clients with specific liquidity needs.

It serves special situations requiring rapid execution and qualified partners seeking short-term asset monetization.

The repurchase premium for D-3 is 10%, of which buyers receive 85% (8.5% net).

Once an asset is sold and the proceeds are received and confirmed, buyers can trigger their payout directly in the app.

The platform automatically allocates the corresponding amount to the buyer's account. There is no manual delay or discretionary step on the buyer's side.

Payout remains locked until funds are actually received, reconciled, and all required independent approvals have been granted. This multi-approval model protects all parties.