Crowdlending

Crowdlending consists in lending funds to a real estate developer in order to carry out a real estate development project.

How it works

Make an investment

Make an investment

The loan is granted to a company which owns only this real estate development project and has no debt related to another project.

Monitor the progress

Monitor the progress

The real estate developer reports the progress and cash flows of the project to Foxstone. We summarize this information and publishes it on your online dashboard for an easy consultation.

Collect your interests

Collect your interests

Foxstone makes sure the interests of the loan are paid quarterly to your bank account. These payments are accounted on your dashboard for an optimal monitoring of the performance of your investment.

Receive your capital

Receive your capital

At the maturity of the loan you receive your capital in return. If you want to resell your loan agreement before its maturity, you can put it on sale on our platform.

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FAQs

What is crowdlending? +

Crowdlending is the granting of a loan to a real estate company in order to finance a real estate development project or refinance an existing real estate asset. Investors receive a fixed interest on a quarterly basis and recover their capital at the maturity of the loan, the duration of which varies from 1 to 5 years. They have the possibility to put their loan contracts up for sale at any time on our secondary market.

Which title certifies the loan? +

The loan is materialized by a debt contract issued by the borrowing company which owns the construction project or the building to be refinanced.

What would happen to my loan if Foxstone came to disappear? +

In the event that Foxstone were to disappear, this would not affect the loan. Investors are still in possession of the debt contract issued by the company owning the real estate development project entered in the land register on behalf of the company. Depending on the investment offers, these contracts may also be linked to a first or second rank mortgage note, thus increasing the safety of the investment.

What kind of construction contract is concluded for real estate development projects? +

The construction contracts are of the “general contractor agreement” type. These contracts are slightly more expensive than the “total entreprise contract” type, but they reduce the risk of delay and budget overrun because the company is responsible for any discrepancy. Thus, any overrun of the agreed construction budget is the responsibility of the construction company and any delay from the delivery deadline is penalized.

How can I monitor the progress of a project? +

The real estate developer supplies quarterly reports (according to the project) on the project’s progress with photos of the construction site. Foxstone synthesizes these reports and publishes them on the investor’s online dashboard for an easy consultation.

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