8lends Custom Pools for Corporate and Institutional Investors

A custom pool is a dedicated investment structure created for a legal entity around one open project on 8lends. The minimum investment is 100,000 USD, with rates starting from 19% APR; larger tickets may receive a higher rate by individual agreement. Access is through a personal account manager, outside the standard public interface.

Companies complete KYB verification through Sumsub. Loan terms run from 4–16 months, the default trigger is 60 days of missed payments, and Maclear AG acts as the independent Collateral Agent.

For a corporate treasury, family office, or fund considering private credit investing, the question is whether the chosen project fits the intended allocation. A custom pool centers on a specific borrower; it does not, by itself, spread capital across several loans.

Eligibility and any placement-specific requirements should be confirmed with the manager.

The minimum ticket is 100,000 USD, and the published rate starts from 19% APR. Larger tickets may qualify for a higher rate by individual agreement. The rate is fixed when the deal is concluded; the actual offer needs to be agreed for the particular placement.

“From 19% APR” is a starting point for the discussion. It does not tell a company what rate it will receive for every project or allocation size.

Does a custom pool follow the same rate floor as public loans?

Yes: the corporate starting rate is 19% APR, matching the lower end of the public product's stated 19–25% APR range. The corporate terms are described separately as starting from 19% APR, with higher rates possible for larger tickets by arrangement.

The public product's upper figure should not be imposed on a corporate offer. Equally, a negotiable rate should not be described as unlimited or automatically higher. The agreed deal terms are what matter.

Corporate clients complete KYB verification through Sumsub. The published requirements are a company register extract and KYC of the ultimate beneficial owner. Together, these address the legal entity and the person who ultimately owns or controls it.

Personal KYC focuses on an individual investor. The public route uses amount-based verification rules around 500 USD, but those thresholds do not define corporate onboarding. A custom pool is assessed through the legal-entity process.

What does KYB verification require beyond personal KYC?

Personal KYC verifies one individual; KYB verifies the company and the person who ultimately owns or controls it. If someone other than the UBO submits the application on the company's behalf, ask the manager what is needed to show that this person may act for the company.

The published preparation list has two elements:

• A company register extract.
• KYC verification of the ultimate beneficial owner, or UBO.

The manager should explain how to submit these through the corporate process. KYB incorporates the UBO's identity verification; it does not remove the need to verify that individual.

Custom pools retain the published 4–16-month loan term, the 60-day default trigger, and Maclear AG as independent Collateral Agent. The corporate arrangement changes how the investment is organized and accessed. It does not remove the underlying borrower's repayment risk.

A company still needs to assess whether the loan term fits its cash requirements and whether it is comfortable with the project exposure. An account manager and an individually agreed rate do not change the possibility that the borrower pays late or fails to repay.

Collateral provides a possible recovery route after default. Its value at assessment is not a promise of the amount ultimately recovered. Any project-specific recovery arrangements should be understood before funds are committed.

The company roles are distinct:

8lends is operated by CLEARCHAIN CORP, a Canadian company registered with FINTRAC as a Money Services Business (registration No. C100001102). Maclear AG (Switzerland), a member of PolyReg SRO, acts as the independent Collateral Agent — it does not operate the platform, is not its parent company, and does not hold investor funds.

8lends custom pools carry the same investment risk as the public product — capital is at risk, returns are not guaranteed, and terms beyond the confirmed minimum ticket, rate, and KYB process should be confirmed directly with an account manager before committing funds.

The shared mechanics do not mean that every corporate and public loan has an identical risk level. That depends on the borrower, collateral, and terms of the particular project.

Contact 8lends directly at [email protected] or through Telegram at t.me/eightlends. State the proposed investment amount and the general terms being considered. A personal manager handles the request for a custom pool tied to an open project.

This first contact is an opportunity to resolve practical questions before committing funds. For a family office or corporate treasury, those may include jurisdiction eligibility, reporting available for accounting, and whether a proposed ticket can be divided between projects.

8lends does not publish a standard answer to all of those points, or a standard timetable for the full journey from first enquiry to fund placement, so confirm them with the manager.

Who decides if a custom pool application is approved?

The KYB FAQ says most verification applications are approved on the same day. If manual review is needed, the final decision is made by the 8lends team.

That statement concerns verification. It should not be read as a commitment to agree commercial terms, create the pool, and complete the investment within the same day. Ask the manager about the expected timing for the complete placement.

Investing involves risk, including possible loss of principal. Returns are not guaranteed.