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💰 Investment Opportunities

This guide provides an in-depth look at the various investment opportunities available on the ChainMove platform, helping you make informed investment decisions.

Table of Contents​

Types of Investments​

1. Vehicle Financing Notes​

Direct Vehicle Loans​

  • Description: Fund individual vehicle purchases
  • Term: 12-72 months
  • Expected Return: 8-15% APR
  • Collateral: Vehicle title
  • Minimum Investment: $100

Lease-to-Own Contracts​

  • Description: Finance vehicles for drivers who want to own
  • Term: 24-60 months
  • Expected Return: 10-18% APR
  • Collateral: Vehicle title
  • Minimum Investment: $250

2. Portfolio Investments​

Diversified Pools​

  • Description: Invest in a pool of multiple vehicles
  • Term: 12-36 months
  • Expected Return: 9-14% APR
  • Risk: Spread across multiple borrowers
  • Minimum Investment: $50

Income-Generating Fleets​

  • Description: Invest in commercial fleets (ride-sharing, delivery)
  • Term: 12-48 months
  • Expected Return: 7-12% APR
  • Collateral: Fleet assets
  • Minimum Investment: $500

3. Specialized Investments​

Luxury Vehicle Financing​

  • Description: High-end vehicles with premium rates
  • Term: 12-60 months
  • Expected Return: 12-20% APR
  • Collateral: Vehicle title
  • Minimum Investment: $1,000

Commercial Vehicle Leases​

  • Description: Heavy-duty and commercial vehicles
  • Term: 24-72 months
  • Expected Return: 8-15% APR
  • Collateral: Commercial assets
  • Minimum Investment: $2,500

Risk & Return Profiles​

Investment TypeRisk LevelTarget ReturnLiquidityMinimum Term
Direct LoansMedium8-15%Low12 months
Lease-to-OwnMedium-High10-18%Medium24 months
Diversified PoolsLow-Medium9-14%Medium12 months
Fleet FinancingMedium7-12%Low12 months
Luxury VehiclesHigh12-20%Low12 months
CommercialMedium8-15%Low24 months

How to Evaluate Deals​

1. Vehicle Analysis​

  • Make & Model Reliability: Check reliability ratings
  • Market Value: Compare with similar vehicles
  • Depreciation Rate: Expected value decline
  • Demand: Popularity in the rental market

2. Borrower Assessment​

  • Credit Score: Minimum 650 FICO
  • Payment History: Previous loan performance
  • Income Verification: Debt-to-income ratio
  • Experience: History with similar vehicles

3. Deal Structure​

  • Loan-to-Value (LTV) Ratio: Typically 70-90%
  • Interest Rate: Fixed or variable
  • Term Length: Impact on returns and risk
  • Payment Schedule: Monthly, bi-weekly, or weekly

4. Risk Mitigation​

  • Insurance Requirements: Full coverage mandatory
  • GPS Tracking: Real-time monitoring
  • Maintenance Fund: Reserves for repairs
  • Guarantees: Personal or corporate guarantees

Investment Strategies​

Conservative Approach​

  • Allocation: 70% diversified pools, 30% direct loans
  • Target Return: 8-10% annually
  • Risk Profile: Low volatility
  • Liquidity: Medium

Balanced Approach​

  • Allocation: 40% diversified pools, 40% direct loans, 20% lease-to-own
  • Target Return: 10-12% annually
  • Risk Profile: Moderate
  • Liquidity: Medium

Growth Approach​

  • Allocation: 30% direct loans, 40% lease-to-own, 30% luxury vehicles
  • Target Return: 12-15% annually
  • Risk Profile: Higher volatility
  • Liquidity: Lower

Auto-Invest Feature​

How It Works​

  1. Set your investment criteria
  2. Choose your risk profile
  3. Select target return range
  4. Set investment amount limits
  5. Enable auto-invest

Benefits​

  • Saves time on deal selection
  • Ensures consistent investment
  • Takes emotion out of investing
  • Maximizes capital deployment

Secondary Market​

Buying Investments​

  • Browse available listings
  • Filter by various criteria
  • Review historical performance
  • Make an offer or buy instantly

Selling Investments​

  • List your investment
  • Set your asking price
  • Pay a small transaction fee
  • Receive funds upon sale

Frequently Asked Questions​

How are returns paid?​

Returns are typically paid monthly, directly to your ChainMove account balance or linked bank account.

What happens if a borrower defaults?​

ChainMove will initiate the repossession process and liquidate the vehicle to recover funds. Any recovered amount is distributed to investors.

Can I sell my investments early?​

Yes, through our secondary market, though liquidity is not guaranteed.

How are taxes handled?​

You'll receive appropriate tax forms (1099-INT, 1099-B) for tax reporting.

What are the fees?​

  • 1% annual servicing fee
  • 10% of interest earned as platform fee
  • Secondary market transaction fees (1-2%)

Next Steps​

Last Updated: June 2025