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Crowdlending Real Estate Luxembourg
What is crowdlending?
Crowdlending is one form of participatory financing (also known as crowdfunding). Crowdlending consists of collecting "interest-bearing loans for businesses, to finance their development or 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 real estate sector, crowdlending makes it possible to finance real estate promotion activities or the development of real estate projects by making a public appeal to savings via a crowdlending platform, and not just to banks.
Table of contents
Who is property crowdlending for?
All players in the real estate sector can use real estate crowdlending. The size, financing structure and risks of the project are important criteria. In general, it will be easier to finance a project via a crowdfunding platform if it is combined with a bank loan (or a firm commitment from the bank).
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.
The advantage is that individuals do not need to be investment professionals to invest and benefit from a good return.
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), which are most often undertaken by SMEs.
For example, crowdlending can be used 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 or office property project;
To finance a hotel business, a coliving project or a mixed project (combining residential property with other uses such as offices).
To check whether your property project can be financed using crowdlending, be sure to check the funding conditions of the participatory finance platforms（https://www.beebonds.com/en/financing/） you are considering using. Some people use a participatory investment adviser to guide them in their choice of platform.
What are the advantages of real estate crowdlending for real estate players?
For investors who lend their money to a company, the advantages of crowdlending are many:
Higher potential yield : 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.
Simple operations Once an investor's account has been opened on any platform, the investment is made in just a few clicks.
For property professionals , crowdlending offers a number of advantages:
A additional source of financing other methods of property financing or loans, such as bank loans, "family & friends" financing and institutional financing;
A leverage on shareholders' equity (on the BeeBonds（https://www.beebonds.com/en/financing/）You can raise funds in the form of a loan up to 75% of the equity capital required by the bank;
A way of obtaining funding quickly (depending on the project and the platform chosen);
The benefit of a visibility for the company and its project as part of the fundraising campaign ;
A direct link with investors .
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.