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Lending Guidance
Introduction: What is the cost?
Transparent costs
The process is free for investors. Companies pay us a commission based on the loan amount as below:
| Amount raised (COP$ Millions) | Fee (1) |
|---|---|
| From $5M-$39,9M | 11% |
| From $40M+ | 7% |
At the time of delivering the funds to the company, you will have to pre-pay us the commission which will be reimbursed back to you in the course of the loan repayment.
(1) Fee excludes taxes.
Example
You agreed to lend COP $ 5,000,000 at a rate of 20% per year for one year as part of a total loan of $ 60,000,000.
The company when making the credit request, authorized the 5% commission to be discounted from the loan amount.
This value will be reimbursed by the company within the monthly loan installments.
Find here the calculations:
| Loan amount | $5 000 000 | |
| Invest Latam fee excluding taxes | 5% | $250 000 |
| (+) VAT | 19% | $47 500 |
| (-) Source withholding | 11% | $27 500 |
| (-) ICA withholding | 1.104% | $2 760 |
| Net fee to Invest Latam | $267 240 | |
| Capital to transfer to the company | $4 732 760 | |
| Total loan value | $5 000 000 |