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Real estate crowdfunding
Property crowdlending is a way of financing property projects that is becoming increasingly popular with both investors and property developers.
Whether you are looking to financing a project a property project（https://www.beebonds.com/en/financing/） or to invest to diversify your savings（https://www.beebonds.com/en/invest/） (for a potentially higher return), discover the opportunities of property crowdlending.
Property crowdfunding: what are the benefits for investors?
Innovative and profitable projects
Simple financial product
Yield between 6 and 10 %
DISCOVER THE PROJECTS（https://www.beebonds.com/en/projects-2/）
Table of contents
What is crowdlending?
crowdlending is an English term meaning "participatory lending". Crowdlending is one of the forms of participatory financing (also known as crowdfunding, or "crowd funding" in French).
The crowdlending consists of collecting " interest-bearing loans for companies to finance their development or to carry out specific operations ". .
Like crowdfunding, crowdlending is a business financing mechanism that allows citizen savings to be mobilised.
In practice, crowdlending enables investors to make a financial investment in the form of a loan to a company.
In the property sector Crowdfunding is a way of financing property development activities or property projects by making a public appeal for savings via a crowdlending platform (often in addition to bank financing).
Who is property crowdlending for?
All players in the real estate sector can use real estate crowdlending. The size and risk of the project are important criteria.
As far as investors are concerned, property crowdlending is a form of investment open to the widest possible range of people. Depending on the type of project and the platform you choose, you can invest in property via a crowdfunding campaign from as little as a few hundred euros.
What types of property projects can be financed using equity crowdfunding?
Equity crowdfunding is best suited to short-cycle property projects (2 to 5 years).
For example, you can use crowdlending to :
Financing a property development ;
Financing the purchase of a property with a view to resale;
Financing a property holding company to carry out several property transactions;
Refinancing a company in the property sector;
Financing a retail, office or association property project;
To finance a hotel business, a coliving project or a mixed-use project (combining residential property with other uses such as restaurant space or offices).
To check whether your property project can be financed by crowdfunding, be sure to check the conditions set by the crowdfunding platforms you are considering.
To submit a property application（https://www.beebonds.com/en/financing/） to BeeBonds , developers must propose a project that meets the following conditions :
Project with a minimum total cost of 2,000,000 euros ;
The bank financing is granted;
You wish to raise a minimum of 500,000 euros via crowdlending (this amount representing a maximum of 75% of the bank's own effort);
You have a permis d'urbanisme purgé de tout recours.
For more information on the property projects financed by BeeBonds, take a look at our crowdfunding campaigns（https://www.beebonds.com/en/projects-2/） (current and past).
What are the advantages of real estate crowdlending?
For investors who lend their money to a company, the advantages of crowdlending are many:
<Higher potential return: The interest rates offered on the platforms are generally higher than those on savings books;
The satisfaction of supporting businesses , the real economy, employment and value creation.
For property professionals , crowdlending offers a number of advantages:
A source of complementary financing to other methods of property financing, such as bank loans, friends & family financing and institutional financing;
A lever on equity (with BeeBonds, you can raise funds up to 75% of the equity required by the bank) ;
A way of obtaining funding quickly (depending on the project and the platform chosen);
visibility for the company and its project as part of the fundraising campaign ;
A direct link with investors .
What are the risks associated with crowdlending?
Like any investment, crowdlending involves risks for investors. In particular, lending to SMEs involves the risk of total or partial loss of the amount invested.
Each crowdlending application has its own level of risk. To assess this, we invite you to consult the information and descriptive notes relating to the project.
In Belgium, the information provided to investors is subject to the regulations applicable to alternative financing (compliance with which is ensured by the FSMA（https://www.fsma.be/en） - the Financial Services and Markets Authority). FSMA studies confirm the increase in amounts financed via crowdfunding (without disclosing information on the default rate).
Crowdfunding property projects: returns and interest rates for investors
The returns offered to investors vary depending on the platform, the type of property project and the risks involved. On the BeeBonds platform, the average gross interest rate for property investments is around 7.7% with a net yield of around 5.4% (after withholding tax).
Property crowdfunding: what are the conditions?
For investors, it is essential to have a valid investor account on a crowdlending platform. Make sure that the crowdfunding platform you wish to use is authorised by the Financial Markets Authority (FSMA).
The first requirement for the project owner is to have a property project with proven sales or rental potential. At BeeBonds, the company must also have a track-record and a bank loan to complete the project. BeeBonds provides 75% of equity financing.
Property financing: how long does a crowdlending campaign last in Belgium?
A real estate crowdlending campaign can be launched within a few weeks (once the BeeBonds selection committee has approved the application).