July 1, 2026 For investors

Up to 11% p.a. on a short-term investment in euros? Throughout July 2026, this is made possible on Bondster by the new provider Flexidea – we’re adding an extra cashback on top of the fixed yield of 8% p.a. from short-term factoring. With a minimum 60-day investment, the effective yield on your funds reaches approximately 11% p.a. Let’s explain how the promotion works, how much you can earn, and what’s needed to receive the bonus payout.

Why short-term investments make sense

With Flexidea on Bondster, you participate in financing short-term loans with a fixed yield of 8% annually in euros, with maturities typically ranging from one to three months. The short-term nature is the main advantage of this type of investment – it allows for faster capital turnover, more flexible reinvestment, and better control over liquidity. In an environment where market conditions can change quickly, this is an investment that makes particular sense as a complement and diversification to a portfolio.

Effective yield up to 11% p.a.

Throughout July (from July 1 to July 31, 2026), we’re adding an extra cashback on top of the fixed yield. Simply invest at least EUR 500 in Flexidea loans and select an investment with a maturity of at least 60 days from the date of purchase – and you’ll receive a cashback of 0.5%.

And this is exactly where the power of short-term factoring lies: thanks to the fast turnover of capital, a one-time cashback has a significant impact when converted to an annual rate. With a minimum 60-day investment, the effective return on your funds comes to around 11% p.a.

Example

You invest EUR 1,000 in a Flexidea loan and let it work for 60 days. During that time, the fixed yield of 8% p.a. will credit you approximately EUR 13, and on top of that you’ll receive a one-time cashback of 0.5%, i.e. EUR 5. Together that’s approximately EUR 18 over 60 days – an effective yield of around 11% p.a. when converted to an annual rate.

No deposit, no cashback

The condition for the cashback payout is a new deposit and its subsequent investment in Flexidea loans during the promotion period. Without a new deposit, no entitlement to the cashback arises. The promotion applies exclusively to euro-denominated loans from Flexidea on the platform’s primary market.

Terms and conditions of the promotion

The offer is valid from July 1, 2026 to July 31, 2026 and applies to euro-denominated loans from the provider Flexidea on the primary market of the Bondster platform. The cashback is paid exclusively in EUR.

To receive the 0.5% cashback, you need to invest at least EUR 500 in Flexidea loans and select an investment with a maturity of at least 60 days.

The condition for the cashback payout is a new deposit, at least equal to the amount invested – without a new deposit, no entitlement to the cashback arises. The basis for calculating the cashback is the sum of deposits net of the sum of withdrawals in the given month. For example: a deposit of EUR 2,000, a withdrawal of EUR 1,000 => the basis for calculating the cashback is EUR 1,000.

The cashback will be paid out by August 15, 2026.

If you make multiple deposits or multiple investments in Flexidea loans during the given period, the cashback is calculated from all such investments and deposits that meet the minimum amount and duration requirements.

Who is Flexidea

Flexidea SIA is a Latvian fintech company founded in 2017 that focuses on invoice financing, a modern digital alternative to classic bank factoring. It provides small and medium-sized enterprises with short-term working capital financing, and builds the entire process on a fully digital, data-driven model – approval is largely automated and relies not only on external scoring but, above all, on the analysis of clients’ real cash flow, which Flexidea can access via banking data under the PSD2 regime.

Its main market is Latvia, though the company also operates in Estonia, Lithuania, and Poland. Altogether it has financed invoices worth more than EUR 180 million and currently maintains an annual financing volume of around EUR 30 million. Among its owners, alongside three Latvian investors, is the Belgian impact fund Helenos Inpulse. In 2024, Flexidea expanded its portfolio to include microloans, and at the end of 2025 it launched a loan program guaranteed by the European Investment Fund (EIF). For its responsible approach to lending, it also received the European Code of Good Conduct for Microcredit Provision award from the European Commission.

Its approach to risk-sharing is also notable: Flexidea retains a mandatory share in all the loans it finances, meaning it bears the risk together with investors.

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Author: David Jukl, Bondster

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