Maximize the performance of your company’s funds with Smart Term products.
Discover a smarter way to enhance your company’s capital with our fixed-term solutions. Select the duration that aligns with your financial strategy and benefit from daily interest accrual—transparent, hassle-free, and without hidden fees.
Featured products
Make contributions at your convenience and track your company’s daily returns directly through the platform—ensuring full visibility and control over your capital performance.
Product subject to terms and conditions
Advanced One
3%
Annual Equivalent Rate
Term: 1 year
Advance payment of interest
Smart One
3%
Annual Equivalent Rate
Term: 1 year
Daily estimated interest payments
Smart Market
4%
Annual Equivalent Rate
Term: 3 years
Daily estimated interest payments
Smart Dynamic
6%
Annual Equivalent Rate
Term: 5 years
Daily estimated interest payments
Investments of less than a year
Looking for short-term solutions? Choose from 30, 90, or 180-day terms and enhance your company’s capital with daily interest accrual. An ideal option for businesses seeking swift, measurable results.
Smart 30
Term: 30 days
2.6% Annual Equivalent Rate
Earn daily interest in just 1 month.
Ideal for very short-term needs or testing out Smart products.
Smart 90
Term: 90 days
2.7% Annual Equivalent Rate
3 months to grow your savings with consistency and safety. A solid balance between flexibility and return.
Smart 180
Term: 180 days
2.8% Annual Equivalent Rate
6 months to let your money work harder. A great alternative to traditional short-term deposits.
Short-term flexibility or long-term capital growth?
With Smart Term products, your business can choose the approach that best aligns with its financial objectives.
Plan for near-term needs—such as upcoming expenses, project funding, or liquidity buffers—with terms ranging from 30 to 180 days.
Or take a long-term view and secure higher returns by allocating funds over 1 to 5 years.
Whichever strategy you choose, your company will benefit from estimated daily interest and full visibility through the Safe Company app.
Key benefits
Stability and predictability:
Fixed-term investments offer predictable returns, making financial planning easier and reducing exposure to market volatility.
Risk diversification:
Investing across different time horizons helps balance the corporate portfolio, combining security and performance with a strategic approach to cash flow management.
Optimization of surplus cash:
Ideal for companies with temporary liquidity, these investments allow you to generate returns from idle capital without affecting day-to-day operations.
Flexible investment horizons:
With terms from 12 months to 5 years, businesses can choose the duration that best matches their financial needs and projections.
Tax and accounting advantages:
Certain alternative investment products may offer tax or accounting benefits under current regulations, improving the net return for the company.
Ready to make your capital work smarter?
Enjoy full flexibility with the ability to make additional contributions or withdraw funds as needed. Access to Smart Term products is also enabled, with potential returns of up to 6% annually—ideal for optimizing corporate cash management.
How is your money protected?
Collateral-backed loans
All Smart products are collateralised (asset/property).
High regulatory standards
Your funds are deposited with a regulated electronic money institution (EDE).
Projected fixed returns
Stable returns are offered through the purchase of previously granted credit rights.