Fast, interest-only loans for developers who need capital now. Fixed 20.4% all-in annual cost. 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
20.4% per year, all-in
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-€1m
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
€2.2M+
North Facility Services
€983K+
Alteo Team Building
€1.2M+
Scheer Imobiliare
€988K+
Impakt Real Estate
€868K+
Old Care Angel
€450K+
AB.TO
Key financing parameters
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-€1m
Typical range per project. Larger needs can be staged across multiple raises.
Interest-only
Pay interest and the admin fee every month. Principal is repaid in full at maturity.
20.4% per year
Fixed all-in cost: 14% interest + 4% one-off success fee + 0.2% monthly administration fee. Agreed up front.
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
A single, fixed, transparent cost. No variable spreads, no hidden fees. Here is exactly where every percentage point goes.
Annual interest
14%
Paid to investors every month. This is the yield they earn for funding your project.
Success fee
4%
One-off platform fee, deducted from proceeds at funding. You pay it only if the raise succeeds.
Administration fee
0.2%
Monthly platform fee covering servicing, reporting and collateral administration.
Total all-in cost: 20.4% per year
Agreed up front before your raise goes live. What you see here is what you pay - nothing else.
Simulator
Pick an amount and a duration. See exactly what you pay each month, what lands in your account at funding, and what you owe at maturity.
Loan amount
Use the + and - buttons to move in €50,000 steps.
€100 000 – €1 000 000
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
€4 100
Interest + administration fee each month.
Total cost of borrowing
€61 200
Success fee + all monthly payments over the full term.
Net proceeds at funding
€288 000
Loan amount - the one-off 4% success fee.
Balloon at maturity
€300 000
The full principal, repaid at the end of the term.
| Month | Interest (14% p.a.) | Admin (0.2% monthly) | Success fee (4%) | Principal | Total outflow |
|---|---|---|---|---|---|
| Funding | — | — | €12 000 | — | €12 000 |
| 1 | €3 500 | €600 | — | — | €4 100 |
| 2 | €3 500 | €600 | — | — | €4 100 |
| 3 | €3 500 | €600 | — | — | €4 100 |
| 4 | €3 500 | €600 | — | — | €4 100 |
| 5 | €3 500 | €600 | — | — | €4 100 |
| 6 | €3 500 | €600 | — | — | €4 100 |
| 7 | €3 500 | €600 | — | — | €4 100 |
| 8 | €3 500 | €600 | — | — | €4 100 |
| 9 | €3 500 | €600 | — | — | €4 100 |
| 10 | €3 500 | €600 | — | — | €4 100 |
| 11 | €3 500 | €600 | — | — | €4 100 |
| 12 · Maturity | €3 500 | €600 | — | €300 000 | €304 100 |
| Total | €42 000 | €7 200 | €12 000 | €300 000 | €361 200 |
Financing types
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
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
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
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
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.
STOCKESTATE CROWDFUNDING SRL is licensed under the number PJR28FSFPR/400002, since 29.08.2023. Find us in the register of crowdfunding service providers of the European Securities and Market Authority (ESMA).
All 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.