FAQs
How does Crowmie choose which projects to offer?
We focus on industrial self-consumption photovoltaic projects in which we sign a PPA (Power Purchase Agreement) with the industry where we install the project, which meets the financial rating we require.
First of all, we have created strategic partners with installers and specialists involved in the construction of photovoltaic projects. Crowmie for them is the financial partner with which they can offer the industry an attractive solution (PPA), which from minute 0, saves energy and financially more than 25%.
Once we receive the project information via our partners, the first analysis we perform is the financial analysis, where knowing the main characteristics of each project, we can model the operation to mark our objective profitability and negotiate a PPA price.
Next, we perform the financial rating where we study in each case the financial health of the company and understand the risk of non-payment that we can face with it.
Once we sign with the industrial client, we go on to validate the technical engineering information, where each of the projects must meet our quality requirements.
In addition, everything we sign is supervised by our energy legal department, Andersen.
Of the hundreds of projects we are offered, <5% go out on the platform because of the requirements we set.
Who can invest in Crowmie?
Anyone of legal age, from anywhere in the world, who registers and validates their identity (by filling out the KYC form) can invest in Crowmie.
What return can I expect and how often are payments distributed to investors?
Investors will receive their profits monthly once the project they have invested in begins to generate energy. The average returns we offer to Crowmie investors are 12% annually.
The returns that the investor receives are free of commissions, which can be reclaimed from their bank or reinvested in subsequent projects that we finance. When the investor claims his balance from the platform, Crowmie proceeds to withhold on the profits the relevant percentage depending on the tax jurisdiction.
How are the investment offers structured by Crowmie?
Crowmie structures its opportunities in the Spanish special purpose vehicle (SPV), Crowmie Asset Management SL, which aims to own the projects financed by Crowmie investors and is the entity that signs all contracts with industrial clients.
It is a completely autonomous vehicle that is responsible for operating and maintaining the projects to ensure maximum performance. Asset Management, Operation and Maintenance, and Insurance costs are included in each of the financial models and are deducted from the cash flows generated by the sale of energy.
When I invest in part of an energy project, what am I investing in?
In legal terms, the financial product in which one invests is a convertible participating loan, which is tokenized (digitized), and the investor obtains it once they invest in the project.
This contract reflects all the guarantees offered to the investor, giving them full economic rights to the project in which they invest, meaning that all generated benefits are distributed to the investors of each project.
The convertible participating loan model can be found in each project in which one invests and in the contracts section of each investor.
How can I get more information about specific projects?
All project information can be found on the Crowmie platform, app.crowmie.com. Register, access the projects section, and click on the detail button.
What if I want to recover my money?
Investors can recover their money through the marketplace, where they can sell their stakes to the community, or the Liquidity Pool, where Crowmie offers a purchase price. This provides investors with ample liquidity to liquidate their investment and recover their invested funds.
How does the energy market affect my investment?
Market energy volatility does not affect Crowmie investors who invest in industrial self-consumption photovoltaic projects with signed PPAs. Predictable income during the contract’s lifespan eliminates the risk of the energy market.
What happens if the company goes bankrupt or cannot meet payments?
The structure executed by Crowmie in the projects ensures that the investor is protected against defaults and that we can guarantee the estimated returns and that the capital is not lost.
Each project has a bank guarantee for 6 months of the project’s estimated production. Additionally, we have the surface rights of the location where the project is installed and the connection point to the grid, which allows us to sell the energy we generate to another client or to the Spanish market for 25 years.
What is the minimum investment?
Currently, the minimum investment ticket is €1.000 to invest in a Crowmie project.
What fees does Crowmie charge?
Investors’ returns are not affected by Crowmie’s business model.
Crowmie makes money by invoicing 5% of the construction cost of the project, and we invest 3% of each of the operations we finance.
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