YOUR CAPITAL MOVES THROUGH A STRUCTURE BUILT LIKE A FORTRESS
Every euro you invest follows a transparent, regulated path — designed to maximize yield and minimize risk.
How the flow works
You invest in Aiffin Bonds
You purchase 5-year fixed-yield bonds issued by Aiffin SPV, a dedicated bancrupcy remote Special Purpose Vehicle (SPV) created in France solely for bondholders’ benefit.
Aiffin SPV leases vehicles
Funds go directly to finance cars and commercial vehicles leased under long term leasing contracts to verified small businesses, drivers, and entrepreneurs.
Assets are pledged and notarized
Each leased vehicle and the future receivables under LLD contracts are pledged as collateral through a notarized deed in favour of an Independent Security Agent.
No backdoors. No cross-liabilities.
The Security Agent protects investors
The Security Agent holds the security on behalf of all investors, monitors Aiffin’s covenants, and — if necessary — has full legal power to repossess and liquidate the assets.Your claim is first in line, above any other creditor.
You receive interest every quarter
Lease payments flow from clients → Aiffin SPV → You.You earn a 12% fixed annual return, paid quarterly, directly to your account.
PROTECTION IS THE FOUNDATION
Higher Yield. Lower Noise
Layer
What It Means
Why It Matters
Layer
Layer
What It Means
What It Means
Why It Matters
Why It Matters
Independent Security Agent
Third-party entity controlling pledged assets
Investors’ security cannot be touched by Aiffin or any other creditor
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Independent Security Agent
What It Means
Third-party entity controlling pledged assets
Why It Matters
Investors’ security cannot be touched by Aiffin or any other creditor
Notarized Pledge
Legal deed filed with French notary
Guarantees legal enforceability under EU law
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Notarized Pledge
What It Means
Legal deed filed with French notary
Why It Matters
Guarantees legal enforceability under EU law
Insured Vehicles
All assets fully insured and GPS-tracked
Physical and financial protection of collateral
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Insured Vehicles
What It Means
All assets fully insured and GPS-tracked
Why It Matters
Physical and financial protection of collateral
Granular Portfolio
Hundreds of small contracts, no concentration risk
Diversified, predictable income stream
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Granular Portfolio
What It Means
Hundreds of small contracts, no concentration risk
Why It Matters
Diversified, predictable income stream
EU-Regulated Framework
French SPV structure
Investor protection equivalent to institutional-grade bonds
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EU-Regulated Framework
What It Means
French SPV structure
Why It Matters
Investor protection equivalent to institutional-grade bonds
YOU DON’T RELY ON MARKET MOOD. YOU RELY ON CASH FLOW
The bond yield isn’t fueled by speculation — it’s generated by real lease payments from drivers, couriers, and companies using leased vehicles.
Every leased car is:
In real estate, tenants pay rent. In Aiffin Bonds, entrepreneurs pay lease installments.
You’re not betting on appreciation — you’re earning from utility.
WE’VE BEEN DOING THIS FOR A DECADE — AND NEVER MISSED A PAYMENT
The Aiffin founders have financed thousands of small businesses and issued over €17M in bonds through their previous companies (ESKA Capital, ESKA Finance).
Every issue repaid. No defaults. No missed interest.
Now, we are building Aiffin to bring that same precision to France — combining underwriting experience, legal rigor, and AI-driven credit scoring.
Track record, not PowerPoint
WE PLAN FOR THE WHAT-IFS — SO YOU DON’T HAVE TO
Scenarios grid:
We don’t wait for luck. We build in protection
FIXED. FREQUENT. FRICTIONLESS
12% annual yieldfixed and paid quarterly
5-year termstable horizon, no surprises
€1,000 minimumaccessible to all
Quarterly reports & portfolio updates
Option to reinvest at maturity