For Investors:
What is PiVest?
PiVest is a platform that lets you invest fractionally in income-generating equipment leases. We make it easy to build a diversified portfolio of real-world assets backed by productive machinery, tools, and vehicles.
How does it work?
Banks and lease originators upload vetted lease agreements. Our AI-powered system analyzes the risk and cash flow potential. You can then browse opportunities and invest with as little as $100 per deal.
What kind of returns can I expect?
A $10,000 investment on PiVest typically yields around $100/month in passive income, though actual results may vary by portfolio. Returns are generated from lease payments made by end users.
Is my investment secured?
Yes—each investment is backed by a real-world lease agreement tied to productive equipment. In cases of default, collection procedures are initiated, and repossessed equipment may be resold.
Can I resell my investment?
Yes. PiVest plans to offer a secondary marketplace, allowing you to resell your stake in active leases to other investors.
What are the risks?
As with any investment, there’s risk of default. However, we mitigate this through rigorous underwriting, diversified portfolios, and proactive risk management.
How do I get paid?
You receive monthly distributions as lease payments are collected. Returns are credited to your PiVest account and can be withdrawn or reinvested.
Is this like investing in stocks or real estate?
Not exactly. PiVest offers exposure to real-world income-producing assets, but with shorter durations, lower volatility, and greater transparency than traditional REITs or dividend stocks.
What happens if a lease defaults?
If a lessee fails to make payments, the lease enters our default resolution process. PiVest works with the originating bank or servicer to pursue collections, enforce terms, and—if needed—repossess the equipment. Recovered funds or resale proceeds are distributed proportionally to investors.
Do I lose everything if a lease defaults?
Not necessarily. Because the lease is backed by physical equipment, there’s often residual value. While a default may impact returns, investors may still recover partial value through repossession and resale.
For Banks and Originators:
What is PiVest’s value proposition for banks?
PiVest offers banks a way to syndicate small-ticket leases without holding them on balance sheets. You generate upfront liquidity, expand your customer base, and maintain servicing relationships.
How does the process work?
Upload leases through our secure platform or via API. PiVest uses AI to extract, analyze, and score each lease. Approved leases are tokenized and made available to fractional investors.
What types of leases qualify?
We support commercial leases for equipment like construction tools, manufacturing machines, medical devices, and fleet vehicles. All leases must meet our minimum documentation and credit standards.
Do we lose the customer relationship?
Not at all. You remain the servicer and primary contact for your lessees. PiVest is infrastructure—not competition.
Is there a minimum portfolio size to participate?
We typically onboard portfolios starting at $250K+ in total lease value, though pilots may begin smaller to test the workflow.
What are the compliance and reporting requirements?
Our platform generates automated performance reports and supports integration with your risk, finance, and legal teams. We follow rigorous KYC/AML standards and can customize audit trails.
How do fees and revenue sharing work?
PiVest charges a platform fee and offers revenue-sharing options for partners. Contact our partnerships team for a custom proposal.
Is this white-labeled or co-branded?
Both options are available depending on your strategic goals. Some banks prefer a fully embedded experience, while others list leases under the PiVest brand.
Who handles defaults and collections?
The originating bank or lease servicer retains control of customer relationships and manages collections. PiVest provides visibility to investors and supports automated reporting but does not interfere in servicing.
Are investors involved in the default process?
No. Investors receive status updates but do not engage directly. The servicer follows standard procedures, and any proceeds recovered are passed back through the platform to investors.
