Secure Your Future: Invest in the Finzia 5.5% Secured Notes

Long-term fixed-income opportunity backed by Finmo Credit & Leasing assets. ISIN: CH1478430445

Coupon Rate: 5.500% Fixed
Maturity: September 15, 2035
Denomination: EUR 1,000.00
Security: Senior Secured Note

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The Instrument: Secured Notes (Finmo Credit and Leasing SH.P.K Notes)

Detailed specifications of the bond's legal structure, collateralization, and regulatory terms.

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Issuer & Legal Structure

Finzia Securities SARL is a securitization vehicle (SPV) established in Luxembourg under the Securitization Law. Its primary function is to issue these Notes to acquire and manage the financial assets and associated risks.

Legal Status: Securitization Compartment | Country of Risk: Luxembourg | Industry: Other Financial Institutions

Collateral & Asset Pool

The Notes are Senior Secured by a designated pool of credit and leasing receivables originated by Finmo Credit and Leasing SH.P.K. The asset pool provides the sole source of principal and interest repayment, structured as an Asset-Backed Security (ABS).

Collateral: Financial Receivables | Ranking: Senior Secured (Limited Recourse)

Trading & Regulatory Identifiers

The Notes are listed on the Vienna MTF (Multilateral Trading Facility) and the Frankfurt Stock Exchange (XETRA/Börse Frankfurt). The listing is only open to investors meeting specific criteria.

  • ISIN: CH1478430445 (Mandatory Global Identifier)
  • WKN: A4EF4T
  • CFI Code: DAFSGB (Debt, Asset-Backed Security, Fixed Rate, Senior, Bearer)

Key Financial Terms

  • Issue Date: September 15, 2025 | First Trading Day: September 19, 2025
  • Issue Volume: EUR $10,000,000.00$ (Outstanding Amount)
  • Minimum Settlement: EUR 1,000.00
  • Target Segment: Qualified Investor Segment: YES

Historic Performance Overview

Illustrating the indicative price and yield-to-maturity (YTM) trend for the Note (CH1478430445).

*Note: Chart data is illustrative and does not represent real-time trading data. Past performance is not indicative of future results.

Compelling Reasons to Invest

The Finzia Secured Notes offer a unique combination of yield, security, and market features that align with fixed-income strategy.

Senior Secured Position & Priority

The notes are structured as Senior Secured debt. This means bondholders receive a legally designated security interest in the underlying pool of Finmo assets, providing a higher claim priority than unsecured creditors in the event of insolvency.

Attractive Fixed Coupon Income

The fixed $5.500\%$ annual coupon provides a high-yield opportunity compared to many sovereign or investment-grade corporate bonds. This steady cash flow is attractive for investors seeking predictable, recurring income over the long term.

Defined Long-Term Horizon

The defined 10-year term, maturing in September 2035, allows investors to match liabilities or portfolio goals to a specific date, effectively insulating the income return from short-term market turbulence over the contractual period.

Calculate Your Projected Coupon Return

Use our calculator to estimate the annual and total coupon income until maturity.

5.5% Fixed Coupon Rate

Enter an amount above and click 'Calculate' to see your projected returns until the September 2035 maturity date.

Understanding the Risks (Mandatory Disclosure)

A balanced overview of technical risks associated with this secured fixed-income instrument and its legal structure.

Credit & Collateral Risk

While secured, default risk remains. Recovery relies entirely on the collateral pool's performance (Finmo assets). If the assets default or their liquidation value falls below par, investors may not fully recover principal.

Market Liquidity Risk

The secondary market on the Vienna MTF may be less deep than primary exchanges. This illiquidity poses a challenge for selling quickly, potentially leading to significant price volatility and discounted execution, particularly for substantial orders.

Interest Rate & Duration Risk

Given the long duration (10 years to maturity), the Notes are highly sensitive to market interest rate movements. A rise in benchmark rates will likely cause the bond's market price to decline if sold prior to the September 2035 maturity.

Limited Recourse Structure

As a securitization vehicle, the investor's claim is contractually limited (limited recourse) to the pledged collateral. Investors do not have a general, unlimited claim on the broader assets of the issuer (Finzia Securities SARL) beyond the specific security interest.

Your Due Diligence: We strongly urge you to consult the full Offering Memorandum and your independent financial advisor before making any investment decision.

Latest News & Updates

Recent coverage and announcements about Finzia Securities and our bond issuances

Finzia Securities bond issuance announcement

Finzia Securities SARL Issues 12% Senior Secured Notes Due 2027

February 2025

Luxembourg-based Finzia Securities successfully issued high-yield asset-backed securities backed by diversified receivables, reinforcing its position as a leading European securitization platform.

— Cbonds Global
Vienna Stock Exchange trading floor

Finzia 5.5% Notes Officially Listed on Vienna MTF

19 November 2025

The ISIN CH1478430445 senior secured notes are now live on Vienna Stock Exchange's Multilateral Trading Facility with real-time pricing and full transparency for qualified investors.

— Vienna Stock Exchange (Wiener Börse)
Luxembourg financial district skyline

Luxembourg Remains #1 Securitization Hub in Europe (2025 Report)

November 2025

With over 1,590 active vehicles and new tax advantages under Pillar 2, Luxembourg continues to dominate European securitization — powering issuers like Finzia Securities.

— PwC Luxembourg
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