The most beautiful world your money can create

Dear community,

I’m writing to you in a moment of great enthusiasm and deep commitment to our mission, hopping between Barcelona and Madrid. We’re working on a few projects I’m really eager to share but can’t just yet. You’ll understand why very soon!

Lately, I’ve been having several conversations with different people (and with myself) about hope. Can we still find it? How do we keep it (or nurture it) in this world we live in?

It always brings me back to the places I turn to when I need strength.

I don’t want to bring up Xavier Rudd in all my letters (by now you must think I’m some groupie; maybe I am!), but I often find real insight in his lyrics. I also learned he’s facing a severe illness, so he deserves the tribute. One of his latest songs, “Morning Birds,” is precisely about this: finding hope in an unfair world. He concludes, “All that we can do is try and send out love, even when it hits a stone.” Another song, “We Deserve to Dream,” reminds us: “All that we can do is be the best that we can be.”

I like to think every single one of us leads by example and has the power to influence those around us. That’s how I teach my children the importance of buying second-hand, recycling, and taking public transport, even when they don’t see others doing so. It’s about believing in the power of individual actions as much as the power of the collective.

We’ve just had our team offsite in the beautiful town of Tavira, in southern Portugal, where we explored how hope becomes empowerment.

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🎆 Highlights of Q3 2025

Oceano Fresco is back at Goparity, now innovating in offshore oyster production. During our team offsite, we visited their open sea facilities and saw what "money for good" can do: power innovation, create jobs, and drive sustainable growth.

July was our highest investment month ever: more than 1,5 M€ were invested through the platform.

Cumulative amount lent through Goparity:

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👏 We reached a big milestone: 150 projects settled. These loans returned 19,3 M€ to investors, with an average annual return of 5.4%, while avoiding ~14,8 kt CO₂ per year, reaching 82,790 people, and creating 4,617 jobs.

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We launched and closed our biggest campaign ever, SeaForPain by Sea4Us, a biotechnology company transforming marine compounds into innovative therapies for unmet medical needs.  

Our impact team developed a new policy combining positive and negative screening to make our impact assessment more objective. We’ll publish it on our website very soon.

Our team is growing in size and seniority: Margarida joined the product team in UX/UI, and Mariana and Francisco now lead the marketing and investment teams, respectively.

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🌱 News from our projects

• Colcocoa won the sustainability category of the Commodities Innovation Awards.
• ubbu won the Heróis PME 2025 award in the start-up category.
• Sea4Us was featured in Portugal Startup News.
• Solar Snacks and Solar Microgreens together generate 129 MWh per year, avoiding 17,7 tonnes of CO₂ per year.
• We made steady progress on recoveries and settlements. We recovered 37 payments in arrears across 12 projects, restructured 3 loans, and detected 2 potential delays early. Several delayed projects are now fully settled, with funds returned to investors. We will keep things careful and transparent, with guarantees and timely updates at the heart of our approach. Soon, our Operations team will introduce a newsletter covering our portfolio performance, dedicated to investors.

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📝 What to expect in the coming months

Many new projects are on the line to be launched in the coming months, and with the support of our community, we might have the most impactful months ever:

‍Just launched: Fibratech International, focused on bringing water and water treatment to remote areas of Colombia.

Also just launched: Flomics Biotech, accelerating early cancer detection through a simple blood test.

‍We’ll be fighting ocean traffic pollution from space.

‍🇵🇹 Our largest ever campaign to fund solar energy for self-consumption in Portugal.

‍🇪🇸 Our presence in Spain will grow strongly, across projects and the community.

‍There’s a new part of the globe opening up to Goparity’s investments.

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🎄 Our Christmas gift cards are back: more impactful than ever

Two years ago, we donated 1€ per gift card sold to MSF, with advice from my friend Gustavo Carona. Last year, we donated to an NGO supporting recovery from the DANA floods in Valencia.This year, I would love to hear from you. Please suggest an organisation to receive this year’s donation. There is so much need right now...

Answer here >

‍To show the impact of our past donations, here are messages we received from them:

‍“With your donation, we can vaccinate 661 children against measles, a disease considered eradicated in Europe but still potentially deadly for thousands of children around the world.” Cristiana Rodrigues, Head of Funding, MSF Portugal

‍“Your support helps rebuild essential infrastructure and activities for the populations affected by the flooding in Valencia, while strengthening the unity and resilience of our communities.” Carla Borrás, Fundació Horta Sud

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🎤 Where you will find us

‍🇵🇹 Web Summit (Lisbon): Goparity will attend as part of a Banco Português de Fomento (BPF) initiative, represented by our COO, Rita Oliveira. Our showcase slot is on 11 November, from 9:00 am to 1:30 pm.

‍🇪🇸 Genera (International Energy and Environment Fair, IFEMA Madrid, 18 to 20 November): We will speak in the Self-consumption Journey panel on 18 November from 11:00 am to 2:00 pm and host a conversation about Alternative Financing on 20 November from 10:30 am to 11:15 am. Our team will be there with a stand to meet organisations looking for sustainable financing.

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🙋‍♂️ The question

As always, I’ll wrap up with a question for the community. As our team grows, we can bring more and better projects to the platform. To make sure they fit your criteria and interests, we’d like to know which factors you value most when deciding where to invest.

‍Please select your top picks: Answer here

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Don’t forget

Diversification is the best way to mitigate risk and build a profitable portfolio.

‍Activate auto-investment to build a resilient portfolio and ensure you never miss out on exciting new investment opportunities.

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🎵 Music note

‍This letter, at least a good part of it, was written while listening to Carla Collado. She is an up-and-coming Catalan singer-songwriter whom I was lucky to see in a small, intimate concert in Barcelona two weeks ago. Her lyrics are openly activist, and her songs are beautifully melodic. ‘Me han robado la primavera’ is one of my favourites

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If you believe in what we’re building at Goparity, please share your experience. Your feedback not only helps us improve, but also helps more people discover impact investing.