Funding for your next real-estate project
Fast, interest-only loans for developers who need capital now. Standard pricing is 16% annual interest plus a one-time 4% initial fee, with no monthly administration fee. Secured by a level 1 mortgage on any real-estate asset you own - not necessarily the project being funded.
Initial feedback in a few business days.
Cost
16% annual + 4% initial
Structure
Interest-only, bullet at maturity
Funding
Pan-European investor network
Financing snapshot
The structure developers use to fund projects on the platform.
Amount
€100k-€1.5m
Duration
3-24 months
Structure
Interest-only + bullet
Security
Level 1 mortgage on any asset you own
Built for acquisitions, construction mobilization, renovation and bridge needs between financing stages.
Projects already funded
€12M+ raised across multiple real estate projects.
€3.2M+
North Group Investments
€983K+
Alteo Team Building
€1.2M+
Scheer Imobiliare
€988K+
Impakt Real Estate
€876K+
Old Care Angel
€450K+
AB.TO
Key financing parameters
Short duration, fixed pricing, mortgage-backed.
Up to 66% LTV
Your mortgageable asset must be worth at least 150% of the loan. The platform takes a level 1 mortgage on it for the duration of the financing.
3-24 months
Bridge and acquisition facilities on the short end, development and renovation timelines on the longer end.
€100k-€1.5m
Typical range per project. Larger needs can be staged across multiple raises.
Interest-only
Pay interest every month. There is no monthly administration fee, and principal is repaid in full at maturity.
16% annual + 4% initial
Standard pricing is 16% annual interest plus a one-time 4% fee deducted at funding. There is no monthly administration fee or renewal fee.
Level 1 mortgage
You must provide a mortgageable real-estate asset worth at least 150% of the loan. It does not have to be the project being funded - any property you own that we can take a level 1 mortgage on qualifies.
Cost of borrowing
16% annual interest + 4% initial fee
Two clearly separated costs, with no monthly administration fee or renewal fee.
Annual interest
16%
Charged on the loan principal and paid according to the repayment schedule. It covers investor Contract Rates and any developer-side Pool Fee, so your rate does not depend on the investor mix.
Initial success fee
4% once
Deducted once from the loan proceeds when the raise succeeds. It does not renew after 12 months.
No monthly administration or renewal fee
Agreed up front before your raise goes live. What you see here is what you pay - nothing else.
Simulator
Run the numbers on your loan
Compare common 6, 12, 18 and 24-month terms. Financing can be structured from 3 to 24 months; the final schedule is agreed before publication.
Loan amount
Use the + and - buttons to move in €50,000 steps.
€100 000 – €1 500 000
Illustrative loan duration
You will need a mortgageable real-estate asset worth at least €450 000 (150% of the loan). Any property you own qualifies - it does not have to be the project being funded. We take a level 1 mortgage on it for the duration of the loan.
Monthly payment
€4 000
Interest only each month.
Total cost of borrowing
€60 000
One-time 4% initial fee plus all interest payments for the selected term.
Net proceeds at funding
€288 000
Loan amount minus the one-time 4% initial fee.
Balloon at maturity
€300 000
The full principal, repaid at the end of the term.
| Month | Interest (16% p.a.) | Initial fee | Principal | Total outflow |
|---|---|---|---|---|
| Funding | — | €12 000 | — | €12 000 |
| 1 | €4 000 | — | — | €4 000 |
| 2 | €4 000 | — | — | €4 000 |
| 3 | €4 000 | — | — | €4 000 |
| 4 | €4 000 | — | — | €4 000 |
| 5 | €4 000 | — | — | €4 000 |
| 6 | €4 000 | — | — | €4 000 |
| 7 | €4 000 | — | — | €4 000 |
| 8 | €4 000 | — | — | €4 000 |
| 9 | €4 000 | — | — | €4 000 |
| 10 | €4 000 | — | — | €4 000 |
| 11 | €4 000 | — | — | €4 000 |
| 12 · Maturity | €4 000 | — | €300 000 | €304 000 |
| Total | €48 000 | €12 000 | €300 000 | €360 000 |
Financing types
Use the platform when speed matters, or when a bank is not the right fit for your project yet.
Development financing
Construction and staged development costs for your residential or mixed-use projects. Draw capital when your build needs it.
Bridge financing
Short-term capital between financing stages - useful when approvals, permits or bank refinancing are pending but you cannot afford to wait.
Acquisition financing
Close on the land or property you want before permanent financing is in place. Move quickly when the vendor will not wait.
Renovation and expansion
Unlock capital for a refurbishment, extension or repositioning of an existing asset you own.
How the process moves
Simple flow, digital first, with structuring before publication.
Project review
We screen the request, the borrower, and the proposed collateral.
Structuring and terms
If the opportunity fits, we align on amount, duration, repayment profile, and security package.
Campaign preparation
The project is prepared for publication and then listed on the platform.
Funding and closing
After the raise is completed and documents are signed, capital is deployed.
Best fit
A credible developer, a mortgageable asset, a believable exit.
What helps the review
A clear project scope and defined use of proceeds
A credible exit: sale of the project, refinance with a bank, or stabilized rental yield
A mortgageable real-estate asset you own worth at least 150% of the requested amount
Prepare these first
You don't need to upload anything in this first step, but having the file set ready will move the process faster.
Your business plan or project deck
Building permit, if already available
Land registry extract for the asset you plan to mortgage
Your latest financial statements and balance sheets
Send the essential details
Send us the basic information about your project. If it fits, we will come back with the next steps.
Submit the details through the form below.
We will review them and come back with an initial verdict.
We will request documents after the initial review.
Authorised in Romania, passported across the EU
ASF licence PJR28FSFPR/400002 · Active ESMA record · Licence active across all EU member states
Investor resources
Guarantees & securityCrowdlending modelComparison vs depositsComparison vs REITsPlatform comparisonAll investments involve risks, including loss of invested capital, lack of liquidity, and non-reimbursement on loans, partially or integrally. It is an appropriate investment only for investors able to assess and bear the risks presented above. Before investing, please read the risks of investments warning, and also all the clauses of the loan agreement, which will be provided to you for the campaign in question. Stock.estate Platform is not responsible for the information provided by the project developers, even if it is provided by or through Stock.estate. Stock.estate does not provide you any other advisory services. The decision to invest is entirely yours. We recommend that you consult specialized advisers if you need support in evaluating your investment decision. The messages and documentation you receive from Stock.estate or project developers have not been verified or approved by Romanian or European authorities.