Equity e dívida subordinada DACH — a plataforma austríaca de referência.
A CONDA é uma plataforma austríaca de crowdinvesting fundada em 2013 que oferece equity e dívida subordinada para PMEs na região DACH (Áustria, Alemanha, Suíça). É um dos principais atores DACH com licença ECSP.
CONDA is a startups crowdfunding platform headquartered in Austria. Retail and accredited investors fund equity opportunities project-by-project — either manually after reading the disclosure pack, or via an auto-invest strategy that allocates across new deals according to your filters (yield, term, region, originator score). The platform handles deal sourcing, underwriting, KYC and ongoing servicing on behalf of every investor on its cap table.
Each deal is presented with a project page that includes the borrower / sponsor identity, the use of funds, the security or collateral structure, the headline yield and the repayment schedule. Minimum ticket sizes start at €100 and typical deal terms run 12–36 months. When a deal is fully funded, capital is released to the borrower and scheduled returns (interest, dividends, capital amortisation) post to your investor account on the dates specified in the loan agreement.
Operations are supervised by —. Supervision covers conduct, disclosure, segregation of investor cash, marketing standards and the platform’s own capital adequacy — it does not, however, guarantee that an individual deal will perform as advertised. Investors retain full project-level risk on every loan or equity stake they buy.
Once an investor has built a portfolio of 20–30 positions, performance is best assessed against the platform’s historical default rate, recovery rate on workouts, and the relative performance of its loan book through prior macro cycles. Reinvestment can be automated to compound returns; withdrawals go out via SEPA or local bank transfer to the account on file, usually within 1–3 business days for available cash.
The platform advertises target gross yields in the 8–11 % p.a. band. Realised net returns on a diversified portfolio typically run 1–3 percentage points below the headline range once defaults, cash drag and fees are taken into account.
Track record is best read against the Austria macro context — local interest rates, property cycle and employment data move loan-default rates in real time. Investors should diversify across at least 20–30 loans before extrapolating any single year of returns.
Suited to risk-tolerant investors with a 5–10 year horizon who can afford the possibility of total capital loss on individual deals. Diversification across at least 15–20 positions is essential; minimum ticket from €100. Not appropriate for emergency-fund capital or income-replacement strategies.
Capital at risk. Investments on CONDA are not bank deposits and are not covered by any deposit-guarantee scheme (FGD in Spain, FGDR in France, gli istituti di garanzia in Italy, etc.). You can lose part or all of your capital.
Default risk. Borrowers may stop paying. Even with collateral or buyback, recovery is slow and partial in stressed scenarios.
Liquidity risk. There is no secondary market — invested capital is locked until the loan or project reaches maturity.
Tax. Interest and capital gains are taxable in your country of residence. Most European platforms do not withhold automatically.
support@www.conda.eu — confirm on the platform’s contact page before sending sensitive information.CONDA operates under supervision of —. Supervision covers conduct, disclosure, segregation of investor cash and minimum capital requirements. It does not guarantee that any individual deal will perform as advertised — investors retain full project-level risk on every position they hold.
The minimum ticket per deal is €100. There is no upper limit for retail accounts; institutional tickets are arranged separately with the platform.
Advertised gross yields are 9% p.a.. Realised net returns depend on default rates, cash drag (money waiting between deals) and any servicing fees — expect actual portfolio returns 1–3 percentage points below the headline range after a full investment cycle.
Available cash typically arrives via SEPA or local bank transfer within 1–3 business days. Funds locked in active deals only return as borrowers repay; there is no secondary market, so plan on holding to maturity.
In an underwriting failure, the platform pursues the contractual recovery path — collateral realisation, debt-collection enforcement or court proceedings, with workouts typically taking 12–24 months. Recovery is rarely 100 %, and investors should size positions accordingly.
Investor cash held on the platform is segregated from CONDA’s own balance sheet, as required by the rules of —. In an insolvency, cash should be returned to investors and outstanding loans transferred to a runoff administrator who continues to collect repayments on investors’ behalf. The process can take 12–24 months and recovery is rarely 100 %, but the loans you own remain your property, not the platform’s.
Yes — interest, dividends and realised capital gains are taxable in your country of residence. Most platforms do not withhold automatically; investors report the income in their annual tax return and may apply double-tax-treaty relief where available.
Typical project duration is 12–36 months. Longer durations generally pay higher headline yields but lock capital for longer and increase exposure to macro cycles; shorter durations offer faster reinvestment but reset rates more often.
A common rule of thumb is 20–30 positions to absorb single-deal default risk. Below 10 positions, one bad loan can wipe out a year of returns; above 30 the marginal benefit of further diversification flattens. Auto-invest rules make this easy to maintain over time.
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Hervorragende Beratung und Hilfestellung in einer ungewohnt freundlichen Art. Beispielgebend!
I got the feeling that investment opportunities are chosen solely based on Conda's advantages. How else could companies go bankrupt shortly after making an investment? No support from Conda. As a creditor, one feels abandoned... This is already the second insolvency I've learned about from the media... and not from Conda!
Nach anfänglichen Schwierigkeiten bei der Wallet-Überweisung war der anschließende support super, freundlich zurückhaltend !
Nach Komplikationen beim Auszahlen meines Walletguthabens bei Lemonway (Kontoverifizierung war nicht möglich) habe ich mich beim Conda-Support gemeldet. Der Betreuer hat sich mehrmals telefonisch mit Lemonway in Verbindung gesetzt und die Auszahlung ohne ein weiteres Zutun meinerseits erwirkt. Vielen Dank!
Sehr freundliche und hilfsbereite Betreuung bei Softwareproblemen. Auch am Wochenende wurde auf meine Fragen eingegangen – vielen Dank dafür!
Freundlicher, kompetender Mitarbeiter.
Ich habe mehrfach versucht, Conda sowohl telefonisch als auch über WhatsApp zu kontaktieren. Leider erfolgte weder ein Rückruf noch irgendeine Reaktion auf meine Nachrichten. Ein derartiger Umgang mit Kunden ist enttäuschend und wirkt unprofessionell. Ich hätte mir zumindest eine kurze Rückmeldung oder eine Information zum Stand meiner Anfrage gewünscht. Aktuell kann ich den Service daher nicht weiterempfehlen.
Trotz einer Rückabwicklung, da das Unternehmen, in welches ich investieren wollte, anderweitige Finanzierung sichern konnte, kann ich 5 Sterne vergeben: Der Gesamte Prozess lief reibungsfrei und verlässlich ab, sodass CONDA mein Vertrauen gewinnen konnte
Engagiertes Service für Kunden!
Bisherige Erfahrungen mit den, wirklich freundlichen, Support bez. der "Lemonway Umstellung" waren sehr gut. Rückrufe pünktlich und Erklärungen zu den Problemen hilfreich. Lediglich die häufigen Verifizierungen sind etwas nervig. MW
Bei der Umstellung von lemmonway hat die Kommunikation mit dem Conda-Support sehr gut geklappt. Informationen über die getätigten Investments sind spärlich.
Freundlicher und schneller Service. Klares Produkt