Loan types

We prefer these types of loans, which are the most popular in the investment crowdfunding world and at the same time are the safest choice due to the guarantee of movable and immovable assets.

Loan to project construction
The loan finances the development of an investment project with a pre-defined sales strategy. Short-term investment for 1 to 3 years. 

Financing of an investment project intended to appreciate through the construction and subsequent sale of assets at predefined time intervals. A standard development business model where the investor shares in the success of the principal investor. The borrower may agree with the investors to pay the proceeds from the progressive sale of the properties on an ongoing basis.

Loan with capital growth
The loan finances the project with a regular payout from operations and expects to generate an additional return on capital growth. Medium-term horizon 3 to 10 years.

Financing of an investment project that generates regular operating income for the investor and anticipates its capital growth and asset appreciation over time or through redevelopment. The investor receives regular monthly payments throughout the investment period and at the end of the investment period, the investor appreciates its investment by earning interest on the capital growth.

Senior vs. junior lender

Senior Loan
Is senior to all other loans of the Company. This means that in a forced sale of the debtor's assets, the senior creditor is satisfied first. The investment strategy of investing in a senior loan is valued at a lower return to the investor due to the low-risk level.

 Average yield
7 - 10% p.a.
Junior Loan
Is subordinate to the senior one. This means that in a forced sale of the debtor's assets, the senior creditor is satisfied first and the junior creditor second. This strategy of investing in a junior loan is valued at a higher return to the investor due to the higher level of risk. 

Average yield
11 - 15% p.a.
Combined loan
By combining these types of loans, we allow ourselves to maximize the return to the investor while maintaining a low level of risk. It is mainly used for the acquisition of property up to the final building permit or the first construction phases. Until these events, the investor maintains the status of senior lender of the investment project. At more advanced stages of development, where the risk of failure of the investment project is low, another financial institution may step in to refinance the investment project at lower interest rates. By this, reduces the cost of the project and also becomes a senior lender.

Average yield
9 - 12% p.a.

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If you would like to learn more about which Invest in Slovakia entity you receive services from, or if you have any other questions, please contact us via chat in the Invest in Slovakia app, or by email at [email protected]. Platform does not provide investment advice and individual investors should make their own decisions or seek independent professional advice if they are unsure about the suitability of any investment for their individual needs. The value of investments can rise or fall depending on market developments and unforeseen circumstances. Bear in mind that when investing in loans your capital is subject to risks and is not subject to any protection mechanism. For more information, see FAQ (the most common questions about their answers).
NBS. On the basis of Regulation (EU) 2020/1503 of the European Parliament and of the Council of 7 October 2020 on European crowdfunding service providers for business and amending Regulation (EU) 2017/1129 and Directive (EU) 2019/1937 (the "Regulation on European crowdfunding service providers for business"), crowdfunding will become a legally regulated activity. From the nature of the Regulation in question, it is expected that the authority authorising and supervising the activities of crowdfunding service providers within the Slovak Republic will be the Ministry of Finance of the Slovak Republic or the National Bank of Slovakia. As a provider of crowdfunding services, we welcome this effort of the European Parliament and we are ready to actively participate in the implementation of the Regulation in order to clarify and set uniform rules for crowdfunding within Slovakia as well as throughout the European Union.
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