The model

How it works

How royalties (a share of revenue), the return cap and the risk work. In francs, without jargon.

Understand the model

How you earn money.

Here is exactly what happens when you invest in a business through Futur. Everything in francs, without jargon.

The share of revenue

You do not earn a fixed interest like at the bank. You receive a percentage of what the business actually takes in each quarter: this is what we call royalties, a share of revenue.

If the business takes in CHF 20'000 over a quarter and the contract provides for 4%, all investors share CHF 800, each in proportion to their stake.

What this means for you

The more you invest, the more you receive. With a stake twice as large, you receive twice as much at each payment. It is proportional to your stake.

The maximum return

The contract sets a cap: the maximum total amount you can receive. Once that amount is reached, payments stop and the contract ends.

A cap of 1,5× means that with CHF 1'000 invested, you can receive at most CHF 1'500 over the entire term.

What this means for you

You know in advance how much you can receive at most. It is a cap, not a promise: the only unknown is how fast you reach it, or whether you reach it.

Concrete example, step by step

Your stake

CHF 500

what you invest

Share of revenue

of revenue

Max return

1,5×

your stake

You will receive

CHF 750

at most, in total

How payments arrive (illustrative simulation over 30 months)

T10

Payment quarter Cap reached, closure

The more the business sells, the faster the cap is reached. Whatever the pace, you can never receive more than CHF 750. And if the business sells little, you may receive less than your stake.

The local economic cycle

Every expense becomes an investment.

On average, 80% of a business's customers live less than a kilometre away. When these residents invest in the business they already frequent, their usual spending feeds the revenue, and therefore their own return.

1
You invest
In your neighbourhood bakery, the one where you already buy your bread.
2
You consume
As usual. Nothing changes in your everyday purchases.
3
Revenue rises
Every franc spent on the spot increases the business's revenue.
4
You earn back
Your share of revenue comes back to you each quarter, up to the cap.

Simulator

How much you can receive

Your stakeCHF 1'000

CHF 100CHF 10'000

Cap, the most you can receive: CHF 1'500 (1,5× your stake). Never more.

If the business sells

You receive in total

CHF 1'500 (1,5× your stake)

Cap reached in about 33 months.

You receive 4% of revenue each quarter, in proportion to your stake (you fund 3,3% of the project).

The more the business sells, the faster you are repaid.

Your gain is capped at 1,5× your stake. It is a maximum, not a guarantee.

Illustrative projection (beta). The return depends on the actual revenue of the business and is not guaranteed. You may lose all or part of your stake.

Investing carries a risk of capital loss. The returns mentioned are not guaranteed. Projects are illustrative during the beta phase.