1. IMPORTANT FOR THE LOCAL ECONOMY

KoalaFund offers investors the opportunity to actively contributing to the development of SMEs in Europe.

Small and medium-sized enterprises (SMEs) and entrepreneurs are crucial for tracing new paths to more sustainable growth. They are the backbone of the European economy, thanks to their role in developing and diffusing innovation. SMEs generate 67% of jobs in the European Union.

Selling receivables is one important solution that should be accessible to SME’s. It provides instant and “on demand” liquidity.

2. ATTRACTIVE YIELDS

Credit insured receivables are short-term assets with superior risk-adjusted yields.

3 years secured bonds: Euribor 3 month + 2.75% per annum.
5 years secured bonds: Euribor 3 month + 3.25% per annum.

Thanks to variable income, investors will not get stuck with low revenues when interest rates are rising.

3. A SECURE INVESTMENT

All receivables are credit insured by Atradius Credit Insurance N.V.;

All receivables are confirmed by debtors.

KoalaFund invests exclusively in trade receivables of European SME’s. The portfolio is highly diversified over a high number of debtors.

Investors benefit from a secure environment thanks to the securitization law of Luxembourg.

4. A GREAT OPPORTUNITY

The potential market is tremendous. KoalaFund is targeting Micro Company Category. Micro Companies in EU28 represent 19.969.338 units totaling 38.629.012 employees generating more than €1.360 million Value added (equivalent to 9% of EU GDP). Today’s Koalaboox e-invoicing platform is generating more than 320.000 transactions amounting to 300 Mio € which grants an immediate access to this market.

KoalaFund has international ambitions and aims at becoming a significant player in Europe.

ABOUT US

A SECURE WAY TO ENHANCE MID TERM YIELDS...

... AND A BOOST FOR THE ECONOMY

Our Mission:

Provide an easy access to funding for SME and entrepreneurs.
Provide investors with profitable and socially responsible revenue within a secure framework.

KoalaFund is a Securitization Fund that has been incorporated under the laws of the Grand Duchy of Luxembourg. It is exclusively dedicated to acquire credit insured trade receivables.

Thanks to the legal framework of securitization in Luxembourg, investors benefits from high legal certainty because the 2004 Law expressly lays down the principles of limited recourse and non petition aiming to ensure the securitization fund's bankruptcy remoteness.

KoalaFund is managed by Koala Assets Management S.A. in Luxembourg. The management team of Koala Assets Management S.A. has a solid experience in SME receivable financing. Founders have been involved in socially responsible companies and non profit association since many years.

In order to fund the acquisition of receivables, KoalaFund is issuing secured bonds. Those securities are backed by credit insured trade receivables. They can be qualified as "Asset Based Security" (ABS), because the underlying receivables serve as collateral for the investment.

THE OFFER

SECURED BONDS

3 YEARS MATURITY

Issuer	Koalafund
Sub-Fund	Sub-Fund \| European Trade Receivables
Denomination	€ 1.000
Minimum investment	€ 1.250.000
Floating interest	Euribor 3 month + 2.75% per annum
Issue Price	100%
Subscription Fee	0,25%
Maturity	3 years (subject to early repayments)
Redemption value	100%

5 YEARS MATURITY

Issuer	Koalafund
Sub-Fund	Sub-Fund \| European Trade Receivables
Denomination	€ 1.000
Minimum investment	€ 1.250.000
Floating interest	Euribor 3 month + 3.25% per annum
Issue Price	100%
Subscription Fee	0,25%
Maturity	5 years (subject to early repayments)
Redemption value	100%

1. KOALAFUND

Registered Office	12C, rue Guillaume J. Kroll, L-1882 Luxembourg
Management Company	Koala Asset Management S.A.

2. KOALA ASSET MANAGEMENT S.A.

Registered Office	12C, rue Guillaume J. Kroll, L-1882 Luxembourg
Board of Directors	Jean-Charles Dwelshauvers, Partner Koalaboox Europe S.A. (Chairman) Michel Grignard, Partner Director Atrio SARL. Frédéric Lodewyk, Partner Koalaboox Europe S.A.
Approved Statutory Auditors	PWC Luxembourg
Legal Advisors	Bonn Steichen & Partners, Luxembourg
Credit Insurance	Atradius

IMPORTANT INFORMATION