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Aiffin Corporate Bond Program
Capital backed by real leasing assets
Aiffin operates a private corporate bond program linked to real vehicle leasing activity: cars, vans, contracts, and receivables generated by professional customers in France.
The current Series I program is structured with a fixed 12% annual coupon, quarterly coupon payments, a 5-year term, and collateral coverage of at least 120% through eligible vehicles and lease receivables.
12% fixed annual coupon
Quarterly payouts
Fully secured by real vehicles
Private issue, access subject to eligibility
This page is for information only. It is not a public offer, investment recommendation, or solicitation to invest. Access to detailed documentation is restricted and subject to eligibility.
Delivering more financial opportunities to more people, more often
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
When banks stall, we accelerate
Banks reject 8 out of 10 self-employed professionals who drive Europe’s economy.
We provide leasing programs to them — safely, profitably, and backed by the vehicles. You can earn from their success.
This is what your money funds
See how it worksWhat powers our technology platform
Data-driven decision engine
Multi-market technology platform
Predictive model
Fast lending decisions
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.
Term
5 years - December 2030
Annual coupon
12% fixed
Coupon schedule
Quarterly
Collateral
Vehicles + LLD receivables
Oversight
Security Agent + notarized pledge
Real assets. Real income. Real peace of mind.
Request investor informationChoose an amount. See future income.
Use a ready amount or type your own. The calculator shows expected coupon income based on the current Series I terms.
Minimum investment €1,000, One bond = €1,000
Your estimated return
600 €
interest over 5 years
- Principal invested
- 1 000 €
- Quarterly coupon
- + 30 €
- Total returned at maturity
- 1 600 €
- Fixed annual yield
- 12.00% AER / Gross
No management fees
No hidden costs
100% notarized asset-backed structure
Figures are illustrative and based on a 12% fixed annual coupon paid quarterly over a 5-year term. Aiffin Bonds are private corporate bonds, not bank deposits; access is subject to eligibility, KYC/AML, documentation and risk disclosure.
€70M Repaid in Bonds and Bank Loans. Zero Defaults.
Before Aiffin, the founding team built and managed SME finance businesses that raised and repaid debt capital across bank loans, bonds, and institutional funding.
Through ESKA Capital and ESKA Finance, the team behind Aiffin raised and repaid more than €17M in bonds and more than €53M in bank loans, with zero defaults.
Now the same discipline is being applied in France: real assets, real receivables, real underwriting, and a leasing market that needs a better engine.
Placement, and repayment of over UAH 410M in bonds (2016–2024).
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.
Zero defaults
Now, the same team is doing it again — in France
Security structure, not just promises
Each bond is supported by a collateral structure built around eligible vehicles and future lease receivables. The programme targets at least 120% collateral coverage, meaning every €1,000 bond is backed by eligible collateral with a minimum value of €1,200 under the programme documentation.
Overlord acts as Security Agent, managing the security package on behalf of bondholders according to the bond documentation. If an enforcement event occurs, the Security Agent may enforce the collateral and distribute recovery proceeds according to bondholder rights.
*Security does not make the bond risk-free. Recovery depends on asset value, enforcement timing, costs, legal process, and other risk factors.
Aiffin Bond
First-Ranking Legal Rights
InvestorAiffin SPV (France)
VehiclesLease receivablesIndependent Security Trustee
InvestorNotarized pledge
You’ve probably ridden your collateral
You can literally touch your collateral
That Uber in Paris? The courier delivering your Amazon parcel? They might be driving a vehicle leased by AIFFIN — earning you interest every day.
Your investment isn’t abstract.
It’s moving across France — insured, GPS-tracked, and generating revenue every day.
Why vehicles make sense as collateral
Vehicles are tangible, traceable, widely used, and supported by deep secondary markets. That does not remove risk, but it gives the programme a real asset base.
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
Average 3-Year Residual Values:
Passenger Car:55%
LCV:60%
Truck:58%How Aiffin Bonds compare
Different instruments. Different risks. Different roles in a portfolio.
| Investment Type | Typical Return | Liquidity | Risk | Collateral |
|---|---|---|---|---|
| Bank Deposit | 2–3% | High | Low | None |
| Real Estate | 3–5% net | Low | Medium | Property |
| Stock Market | Variable | Medium | High | None |
| Aiffin Bonds | 12% fixed | Medium | Low | Vehicles + receivables |
Aiffin Bonds are not bank deposits and are not risk-free. They are private corporate bonds with defined terms, collateral coverage, and eligibility requirements.
Reports and documents
Download reports, company records, and bond documents. Every key figure on this page is traceable to the underlying documentation.
Secured by
Investors who understand the real economy
“
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.
”
“
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.
”
Different stories. Same goal: money that moves
Request investor informationFrom request to allocation in 5 steps
Eligibility review
We confirm whether programme materials can be shared
Review documentation
Eligible investors receive the programme overview and legal documents
Complete onboarding
KYC, AML, source-of-funds checks, and signature where applicable
Allocation confirmed
If completed, your allocation is confirmed and coupon mechanics follow the bond terms