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Don’t invest unless you're prepared to lose money. This is a high-risk investment.
You may not be able to access your money easily and are unlikely to be protected if something goes wrong.
Take 2 mins to learn more.
Driving Success in a Small Business: An Interview with Ciprian Popa
25th July 2024
In this episode of PITCH ME IN 60 SECONDS, we spoke with Ciprian Popa, the Director of Dori Trans Ltd., a small, family-run logistics company. Watch the video above to learn how they generate revenue.
Read on to discover why Ciprian believes this is an excellent opportunity for investors.
So, let's go...
CROWD2FUND: How do you make money as a business?
Ciprian Popa: It's very simple: through hard work. We have two major customers, DHL and Amazon, with whom we have secured strategic carrier contracts. Besides these, we also work with smaller logistic platforms to maximise our load per truck and have a backup option in case one of the major clients falls through, which is unlikely given their names. Our contracts with DHL span over three years and are renewed annually with Amazon.
CROWD2FUND: Superb, thanks very much. And, Ciprian, why should an investor trust you with their money?
Ciprian Popa: It's easy. Despite being a small, family-run company, we have achieved a lot. Our ranking as a strategic carrier speaks volumes about the quality of our services, and we intend to maintain that standard. We've always paid back our debts, prioritising this above everything else. We've managed to thrive despite fierce competition, building a successful business along the way. We plan to continue growing and improving our service levels. Thank you all for your trust.
Ciprian Popa’s dedication to his business, strategic planning, and commitment to excellence shine through in this interview. His small family-run logistics company has secured strategic partnerships with industry giants like DHL and Amazon. And as of today, he’s raised £26k from 98 investors.
We hope you enjoyed this look into Dori Trans Ltd. What questions would you like to ask entrepreneurs? Send us your suggestions at info@crowd2fund.com.
Past performance and forecasts are not reliable indicators of future results.
Your capital invested is not covered for compensation in the event of a loss by the FSCS.
Tax treatment will depend on the individual circumstances and may be subject to change. Please see our Risk section before making an investment decision.
Risk summary for P2P agreements or P2P portfolios
Estimated reading time: 2 min
Due to potential for losses, the Financial Conduct Authority (FCA) considers this
investment to be high risk.
What are the key risks?
You could lose the money you invest
Many peer-to-peer (P2P) loans are made to borrowers who can't borrow money from traditional
lenders such as banks. These borrowers have a higher risk of not paying you back.
Advertised rates of return aren't guaranteed. If a borrower doesn't pay you back as agreed, you
could earn less money than expected. A higher advertised rate of return means a higher risk of
losing your money.
These investments can be held in an Innovative Finance ISA (IFISA). An IFISA does not reduce
the risk of the investment or protect you from losses, so you can still lose all your money. It
only means that any potential gains from your investment will be tax free.
You are unlikely to get your money back quickly
Some P2P loans last for several years. You should be prepared to wait for your money to be
returned even if the borrower repays on time.
Some platforms may give you the opportunity to sell your investment early through a 'secondary
market', but there is no guarantee you will be able to find someone willing to buy.
Even if your agreement is advertised as affording early access to your money, you will only get
your money early if someone else wants to buy your loan(s). If no one wants to buy, it could take
longer to get your money back.
Don't put all your eggs in one basket
Putting all your money into a single business or type of investment for example, is risky.
Spreading your money across different investments makes you less dependent on any one to do
well.
A good rule of thumb is not to invest more than 10% of your money in high-risk-investments.
The P2P platform could fail
If the platform fails, it may be impossible for you to collect money on your loan. It could
take years to get your money back, or you may not get it back at all. Even if the platform has
plans in place to prevent this, they may not work in a disorderly failure.
You are unlikely to be protected if something goes wrong
The Financial Services Compensation Scheme (FSCS), in relation to claims against failed
regulated firms, does not cover investments in P2P loans. You may be able to claim if you
received regulated advice to invest in P2P, and the adviser has since failed. Try the FSCS
investment protection checker here.
Protection from the Financial Ombudsman Service (FOS) does not cover poor investment performance.
If you have a complaint against an FCA-regulated platform, FOS may be able to consider it. Learn
more about FOS protection here.
If you are interested in learning more about how to protect yourself, visit the FCA's website here.
For further information about peer-to-peer lending (loan-based crowdfunding), visit the FCA's website here.
