Frequently Asked Questions

MK Finances Home is a connection platform between investors and professionals to finance certified EEC (Energy Saving Certificates) projects. We connect EEC professionals who need financing with investors looking for profitable investment opportunities. We do not hold any funds; all transactions are made directly between parties via Stripe Connect.

Energy Efficiency Certificates (EECs) are proof of energy-saving actions. In France, energy suppliers (called "obligated parties" such as EDF, Total, Engie) must collect a quota of EECs or pay fines. Professionals who carry out energy-saving work generate EECs and can sell them to obligated parties. By investing in EECs, you finance this production and receive remuneration when the EECs are sold.

1. Create your investor account on our platform
2. Verify your identity according to legal requirements
3. Browse available investment opportunities
4. Select investments that match your profile and objectives
5. Finance the projects directly via Stripe Connect
6. Track your investments in real-time on your dashboard

We offer 3 investment profiles:

PAY FAST (10% annual return): Already validated EECs, payment expected within 15 days to 1 month. Lowest risk profile, minimum investment 100€.

INVEST PAY (25% annual return): EECs in production, 1 to 3 months duration. Medium-term optimized profile, minimum investment 100€.

MANDATS (up to 32% annual return): Multi-year EEC quotas negotiated with obligated parties. Long-term diversified profile (1, 3 or 5 years), minimum investment 10,000€.

All investments carry risks of capital loss. The main risks include:
• Project validation risk: EECs may not be validated by authorities
• Counterparty risk: obligated parties or professionals may default
• Market risk: EEC prices may fluctuate
• Liquidity risk: investments are not immediately liquid

We implement security measures (verification, validation, tracking) but returns are not guaranteed. Each investor should perform their own analysis before investing.

Your security is ensured through our "Triple Security Innovation":

1. EEC-CEE Production: Investors advance 100% of EEC value directly via Stripe Connect, without MK Finances Home holding any funds. Platform verified to hold 0 currency.

2. Direct Payment: Obligated parties or partner banks (if credit assignment executed) pay investors directly. Returns received immediately upon validation.

3. Partner Obligated Parties: We only work with certified obligated parties (EDF, Total, Engie...) and regulated partner banks, reducing counterparty risk.

4. Escrow for MANDATS: Multi-year investments held in escrow accounts with returns paid at each transaction.

Any individual or legal entity can invest, subject to:
• Being of legal age (18+ for individuals)
• Completing identity verification
• Understanding investment risks
• Having the minimum required funds (100€ or 10,000€ depending on profile)

We recommend consulting a financial advisor before investing, especially for significant amounts.

To publish your EEC projects on our platform:
1. Create your professional account
2. Provide your certification and supporting documents
3. Submit your EEC project with all details
4. Our team verifies and validates your project
5. Your project is published to investors
6. Receive advance directly via Stripe Connect

Platform Fees: MK Finances Home charges service fees that are automatically deducted by Stripe Connect from the advance received by the professional. For example, for a 10,000€ EEC value with 2% fees, the professional receives 9,800€. The investor advances the full 10,000€, and their remuneration is calculated on this total amount. Fees compensate for connection services, verification, technical infrastructure and support.

Reimbursements follow this process:
1. The professional produces and delivers EECs to the obligated party
2. The obligated party validates the EECs
3. Investor receives immediate returns upon validation
4. Obligated party or partner bank (if credit assignment executed) reimburses investor capital + returns directly
5. For MANDATS: Returns paid at each transaction, capital reimbursed progressively over mandate duration

You can track each step in real-time on your dashboard.

The Secure Administrative Module is a tool for EEC professionals to securitize their certificates before obtaining advance. It offers:
• Solvability certificate issuance
• Identity verification
• Bank verification
• Legal document verification

This increases investor confidence and facilitates access to advance. Professionals receive 100% advance of EEC value, minus platform fees.

Platform fees are automatically deducted by Stripe Connect from the advance received by the professional.

How it works:
1. Investor advances 100% of EEC value (e.g., 10,000€)
2. Stripe Connect automatically deducts platform fees (e.g., 2% = 200€)
3. Professional receives the advance minus fees (e.g., 9,800€)
4. Investor's remuneration is calculated on the full amount advanced (10,000€)

What fees cover:
• Connection services between investors and professionals
• Project verification and validation
• Technical infrastructure and platform maintenance
• Support and customer service
• Document storage and management

Important: MK Finances Home never holds or handles these funds. All transactions are processed exclusively by Stripe Connect (regulated payment service provider). Fees are clearly stated before any transaction.