the purpose

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The purpose of Centaurum crowd-funding platform is to provide an opportunity for individuals with any, even small capital to become smart and effective investors and receive exceptionally high yield. It will directly involve in the economic growth process those groups of population who have not been able to benefit from wealth created in certain sectors of economy normally dominated by large companies, institutions and well-to-do individuals.

 

On the other hand, Centaurum will likewise provide an opportunity for individuals with certain unrealized resources (such as land or certain expertise), to achieve their vision of co-owning a profitable venture.

 

The process will result in a number of positive benefits for the destination country as a whole and its communities including inflow of foreign direct investment from foreign funders, created jobs and employment opportunities as well as improvement of both skill levels of involved individuals and better understanding of basic finance among the general population.

 

We believe that the Centaurum platform is one of the most efficient and democratic ways to realize Georgia’s and after a successful pilot, many other countries’ untapped potential while increasing FDI in and creating wealth and benefit not just for large players but also for individuals who in most cases miss out on the most lucrative forms of economic activity.

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participants

 

The following are the key participating parties in the process.

 

Project Sponsor or Borrower

 

Project Sponsors are individuals or legal entities that represent a source of a proposed investment project. They provide a concept, detailed business plan with timetable, budget and cash flow with financial projections. Project Sponsors are also expected to possess at least partial key resources related to the project, such as land, equipment, intellectual property or valuable expertise. During Stage One, Project Sponsor will receive appropriate shares of a JSC established specifically for their project, while during Stage Two there will be an option for Project Sponsor to submit their project in order to receive a direct secured loan from the Centaurum platform.

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In case of loans, borrowers are individuals or businesses who make a loan application and upon review receive loans directly from the investors.

 

Funders

 

Funders are individuals, legal entities, institutional investors, foundations, special programs or other sources that fund projects or loans via the Centaurum platform. 

 

Review Board

 

Review Board is a body hired and managed by Centaurum that will consist of, or shall acquire on a basis of need, competent persons whose role is to review projects fed by Project Sponsors, decide on project eligibility and in case of positive decision, a) evaluate Project Sponsor’s assets and participation in order to come up with the proposed JSC share volume for Project Sponsor (during Stage One), or b) advise Centaurum on the inherent risks so that a proposed annual rate of return on a fixed-term loan for funders or the proposed annual percentage rate on the loan for Project Sponsor can be determined by Centaurum (during Stage Two).

 

Project Manager

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Project Manager is a group of individuals or a legal entity hired by Centaurum to oversee the execution of approved projects. Project Manager must possess adequate competence required by the nature of a project. For instance, in case of a construction project, Project Manager should be a construction management company or individuals experienced in construction management.

 

Credit Advisor

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Centaurum engages competent credit advisor(s) who facilitate the review of loan applications and also manage the loans until their completion. The review process includes credit and prior payment history check, as well as the analysis of applicant assets and revenues.

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Centaurum

 

The role of Centaurum is to manage the overall process, meet all necessary necessary legal requirements, maintain the online investor platform, provide adequate technical tools and infrastructure for all involved parties to be able to do their work, promote the platform and projects by various means, reach out and seek funders as well as Project Sponsors or loan applicants, keep funders and other involved parties regularly informed on the progress of the ongoing projects, oversee public relations and execute communications and marketing strategies, lead development and execution of growth strategies. 

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