EMcard

EMCard, headquartered in Žilina, specializes in providing advanced hardware and software solutions for mobility and parking services. Processing over 500,000 transactions annually and collaborating with both municipalities and private sector clients, EMCard has established itself as a key player in the rental and sales of parking meters and charging stations. Additionally, its sister companies within the group oversee the production of parking meters and the development of innovative technological solutions for public transportation.

EMCard aims to strengthen its market position in Slovakia while expanding into the Czech and Polish markets. Investment from Crowdberry investors will support the acquisition and operation of payment machines, parking terminals, charging clusters, and software.

The investment is structured as a secured loan, with repayments beginning progressively from month 18, funded by revenue generated from the rental and sale of parking equipment. To ensure security, the investment is backed by company assets (parking equipment), receivables from partners, EMCard shares, and repayment guarantees from sister companies EMWare and EMLines.

✅ Attractive Fixed Yield – Earn an 8% p.a. fixed interest rate plus 12M EURIBOR, with semi-annual interest payments to investors.

✅ Investor Premium – In addition to interest, investors receive an annual premium of 0.6% of sales (more info in Financial Analysis).

✅ Structured Repayment Plan – Investment repayment is supported by long-term contracts with municipalities and business partners, with semi-annual principal repayments starting from month 18, allowing for initial business growth.

✅ Comprehensive Investment Security – Backed by a notarial deed, pledges on receivables and movable assets, and repayment guarantees from EMWare and EMLines—both financially stable companies with a strong track record.

✅ Proven Business Model – Parking meters generate predictable, recurring rental income, complemented by a revenue share from ticket sales. With high margins (80–85% gross margin), this business ensures sustainable profitability.

✅ Diversification, Stability & Expansion – Already operating successfully in urban and commercial zones, EMCard is expanding into high-growth markets. Long-term plans include scaling across 12 Central European countries to establish a robust parking and mobility infrastructure.

• Financing Amount: €600,000
• Repayment Term: 48 months
• Interest Yield: 8% + 12M EURIBOR, paid semi-annually
• Investor Premium: 0.6% of annual revenue, paid annually
• Minimum Investment: €3,000
• Security: Fully secured through a notarial deed, pledges on receivables (municipal contracts), movable assets (parking meters), and guarantees from sister companies EMWare, s.r.o. and EMLines, a.s.
• Repayment Source: Structured interim repayment plan aligned with contracts secured with municipalities and business partners
• Investor Protection & Oversight: The company is required to meet contractually agreed financial covenants to ensure financial stability and compliance

Further fundraising rounds are planned contingent on successful business performance. Detailed insights into the company’s expansion strategy and loan terms are available in the investment documentation, including a comprehensive financial analysis, accessible upon expressing interest in the investment.

EMCard operates on the Parking as a Service (PaaS) model, owning and leasing parking machines to cities and municipalities for a fixed monthly fee, supplemented by a variable component. The company covers the costs of service and operation, while municipalities are responsible for basic tasks, such as replacing cash register tapes. Production is managed by its sister company EMWare, which handles the development of both hardware and software, ensuring complete control over the entire process, from device manufacturing to digital payment management.

The PaaS market in Europe—including Slovakia, Poland, and the Czech Republic—is experiencing strong growth. Despite significant competition, there remains substantial potential for expansion in these regions, which EMCard is well-positioned to serve. The company’s key competitive advantage lies in its ability to offer comprehensive services under one roof.

Although EMCard has only been providing smart parking solutions since 2023, the group itself is far from a startup, boasting over 30 years of industry experience. With funding from Crowdberry, the company aims to scale its product offering, providing investors with an opportunity to capitalize on a growing business with significant market potential.

Parking Meters and Terminals
Operated across cities and commercial zones, utilizing a fixed rental fee model combined with a revenue share structure. On average, annual ticket sales generate approximately six times the amount of the fixed rent. The typical payback period for each machine is between 1 and 1.5 years.

Sales and Reservation Systems
Software solutions designed for municipalities and the commercial sector, enabling ticket sales for public transportation, sports and cultural events, and parking services. The system processes over 500,000 transactions annually.

Charging Clusters for Electric Vehicles
Smart solutions catering to both the public and private sectors, with seamless integration capabilities into existing IT infrastructures.

Hardware Solutions
Development and production of dashboards, payment terminals, and readers for parking and public transport systems, offering a return on investment within 2.5 to 3.5 years.

EMcard is a profitable company with a growing trend in revenue from parking meter rentals, which is stable and recurring. The investment is secured by machinery, municipal receivables and the guarantees of sister companies, which improves the overall riskiness of the company and the investment. We view the projected steep growth over the next few years as a risk where the company will need additional capital. We have therefore factored in the potential risks from the planned expansion in the higher risk premium, the required premium on sales, and the comprehensive security for the loan. We describe more risks associated with the investment in the financial analysis.

The investment carries the risk of partial or complete loss of invested funds. The investment opportunity in the target company is made possible by Crowdberry Investment Platform j.s.a.