GROW YOUR WEALTH WITH AIFFIN CORPORATE BONDS

12% FIXED YIELD | QUARTERLY PAYOUTS | FULLY SECURED BY REAL VEHICLES

Your Money Deserves to Move

Earn 12% fixed annual return while your capital drives Europe’s mobility economy — secured by real cars, real contracts, and real people.

Invest in our bond issue. Support small entrepreneurs. Earn stable returns.

  • 12% Fixed Yield

    Paid quarterly

  • €17M in Previous Bonds

    Zero defaults

  • 100% Asset-Backed

    Notarized and trustee-protected

  • 5-Year Term

    Peace of mind, in motion

Delivering more financial opportunities to more people, more often

WHEN BANKS STALL, WE ACCELERATE

Illustration


Banks reject 8 out of 10 self-employed professionals who drive Europe’s economy.

Illustration

We provide leasing programs to them — safely, profitably, and backed by their vehicles.You can earn from their success — 12% fixed yield, fully secured, paid every quarter.

THE 12% BOND THAT’S BUILT FOR THE REAL ECONOMY

AIFFIN Bonds are issued by a bankruptcy-remote AIFFIN SPV and securitized by cars, vans, and trucks under long-term leasing (LLD) contracts.Every euro is pledged, insured, and tracked — transforming vehicle leasing into a high-yield, low-risk investment.

Term5 years

Annual Yield12% fixed

PayoutQuarterly

Collateral5 Vehicles + LLD receivables

OversightIndependent Trustee + notarized pledge

Real assets. Real income. Real peace of mind.

€17M in Bonds Repaid. €33M in Bank Loans Repaid. Zero Defaults. 100% Paid Back

Our founders have been financing SMEs and issuing bonds for nearly a decade. The numbers speak for themselves

Illustration

Through ESKA Capital and ESKA Finance, they raised over €17M from investment banks, pension funds, and institutional investors — and repaid every euro.€33M in bank loans were repaid during 2011–2014 through ESKA Capital.
Now, we bring our proven track record to France — with stronger investor protection and even better returns.

Illustration

Was behind the issuance, placement, and repayment of over UAH 410M in bonds (2016–2024) through his previous company, ESKA Capital.

Illustration

ESKA Finance: €3.5M retail bonds placed in Slovakia — always repaid on time.

Banks, investment banks, insurance companies, and pension funds held 80% of ESKA Capital’s bond issues.

Award "Most Innovative Solutions for Companies"

UKREXIMBANK

Award "Best Service Provider"

Freedom Finance

Award "Comfortable and Modern Office Design"

UNIVER Investing Group

Award "Comfortable and Modern Office Design"

ICU

Award "Comfortable and Modern Office Design"

NBU Pension Fund

Zero defaults. Zero delaysNow, the same team is doing it again — in France

YOUR INVESTMENT, SECURED BY LAW — NOT JUST PROMISES

Every AIFFIN Bond is secured through a notarized pledge of all leased vehicles and lease receivables.

An independent Security Trustee holds and enforces this collateral — giving investors first-ranking legal rights over every asset.
If anything ever goes wrong, the Trustee lliquidates the vehicles and distributes proceeds directly to bondholders.
Your capital is the first protected — not the last recovered.

Illustration

YOU’VE PROBABLY RIDDEN YOUR COLLATERAL

Illustration

That Uber in Paris? The courier delivering your Amazon parcel?They might be driving a vehicle leased by AIFFIN — quietly earning you interest.
Your investment isn’t abstract.
It’s moving across Europe — insured, GPS-tracked, and generating revenue every day.

You can literally touch your collateral

WHY CARS & COMMERCIAL VEHICLES?

Because they’re the most liquid form of collateral in Europe

    Easy to repossess — within days, not months

    Easy to store and sell — 6M+ used-vehicle transactions per year in France

    Retain 60–70% of value after 3 years (Eurostat, ACEA)

    Always in demand — delivery, logistics, and ride-hailing industries


Chart: Average 3-Year Residual Values:

  • Passenger Сar: 55%

  • LCV: 60%

  • Truck: 58%

WHY AIFFIN BONDS BEAT EVERYTHING ELSE

Higher Yield. Lower Noise.

    • Investment Type

    • Typical Return

    • Liquidity

    • Risk

    • Collateral

    • Investment Type

    • Investment Type

    • Typical Return

    • Typical Return

    • Liquidity

    • Liquidity

    • Risk

    • Risk

    • Collateral

    • Collateral

    • Bank Deposit

    • 2–3%

    • High

    • Low

    • None

    • Investment Type

    • Bank Deposit

    • Typical Return

    • 2–3%

    • Liquidity

    • High

    • Risk

    • Low

    • Collateral

    • None

    • Real Estate

    • 3–5% net

    • Low

    • Medium

    • Property

    • Investment Type

    • Real Estate

    • Typical Return

    • 3–5% net

    • Liquidity

    • Low

    • Risk

    • Medium

    • Collateral

    • Property

    • Stock Market

    • Variable

    • Medium

    • High

    • None

    • Investment Type

    • Stock Market

    • Typical Return

    • Variable

    • Liquidity

    • Medium

    • Risk

    • High

    • Collateral

    • None

    • Aiffin Bonds

    • 12% fixed

    • Medium

    • Low

    • Vehicles + receivables

    • Investment Type

    • Aiffin Bonds

    • Typical Return

    • 12% fixed

    • Liquidity

    • Medium

    • Risk

    • Low

    • Collateral

    • Vehicles + receivables

WHO INVESTS IN AIFFIN BONDS? PEOPLE WHO GET IT

Hello everyone!
I’d like to share my experience of investing with the team behind AIFFIN.

I invested in their previous company in Slovakia and have already received quarterly payments — all on time.
Although the processes of signing documents and transferring funds were new to me, the company’s team members were quick to assist and clearly explained every step needed to achieve the result. I appreciate their patience and wish the team continued growth!

I’m sharing my feedback to support a Ukrainian founder in the EU — a team of worthy people who strive to work diligently despite challenging realities.

I’m satisfied with everything so far and hope it remains that way in the future.

Wishing the company continued success!

Denys Kastornyi

I want to share my experience of investing with the team behind AIFFIN.
I invested in 2024 and have already received my coupon payments — all on time, without delays. Communication is clear and professional.
I recommend them as reliable partners.

Yevhenii Riabyi

Good afternoon, community!
It’s a pleasure to share my feedback based on my experience investing in bonds issued by the team behind AIFFIN.

I invested in 2024 and have already received quarterly payments on time. Everything was quick and efficient.

I can recommend them as reliable entrepreneurs.

Sergii Shchurenko

Good afternoon!
I’d like to share my experience of investing in bonds issued by the previous company of the AIFFIN team last year.

Overall, I hold a portfolio of both stocks and bonds.

Among my corporate bonds, ESKA represents the largest share — it’s not easy to find a company with such a strong track record and transparent business model.
Communication is also great.

Bohdan Hordiichuk

Different stories. Same goal: money that moves

FROM CLICK TO COUPON IN 5 STEPS


1

Apply Online

Choose your investment amount (min. €1,000)

2

Verify ID

Quick KYC & ID check

3

Sign Electronically

Legally binding contract via e-signature

4

Deposit Funds

Secure transfer to Aiffin SPV

5

Earn Interest

Quarterly payouts, monthly portfolio updates