Carfin is a financial company that has been providing Ukrainians with vehicle leasing with a buyout option or secured car loans since 2019. At the same time, the company enables investors to earn stable passive income by investing in transport assets.
Carfin helps investors generate passive income of up to 20% annually in USD, connecting them with the company’s clients and fully managing all organisational, financial, administrative, and legal processes.
CARFIN IN NUMBERS
6+ years of experience
617+ completed deals
$6,200 — average deal size
$393,000 — total investor income
137 active deals
CARFIN INVESTMENT PROGRAMS
1. Trust Management Program
- Investment structure: executed by signing a notarised “Loan Agreement for Monetary Funds.”
- Investment period: 6–24 months.
- Minimum investment amount: from $5,000.
- Monthly payout income: 20% per annum in USD.
- End-of-term payout income: 21% per annum in USD.
2. Direct Investment Program
- Vehicle ownership and leasing: the investor owns the vehicle (registered under their name) and leases it to the client with a buyout option. This ensures full control over the asset and access to high-yield agreements.
- Investment period: 18–36 months.
- Minimum investment amount: from $30,000.
- Monthly payout income: expected 18% per annum in USD.
- End-of-term payout income: 20% per annum in USD.
HOW IT WORKS
- The client applies to purchase a vehicle — either one they have selected independently or found through Carfin’s partners.
- After successful client screening, Carfin inspects the selected vehicle, evaluates its condition and price, and negotiates deal terms with the client.
- Carfin’s key task is to ensure the client meets all requirements and to assess their needs and financial capacity.
- Upon approval, Carfin coordinates financing terms with the investor.
- Carfin registers the vehicle through the Motor Vehicle Registration Service: you invest up to 70% of the vehicle’s value, and the client contributes the remaining amount.
- Carfin registers the vehicle under your name and signs a “Lease Agreement with Buyout Option” on your behalf. After receiving the license plates and registration certificate, Carfin finalises the agreement with the client.
- After the deal is completed, Carfin administers the contract, manages vehicle utilisation, and ensures compliance. The client signs the lease-with-buyout agreement for the predefined term.
- The investor receives passive income through monthly lease payments.
- Once the client completes all payments, the vehicle is re-registered in their name, granting them full ownership.
