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Real estate crowdfunding with raizers

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Lending directly to real estate professionals

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An investment starting at 1 000 €.

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Transparent and free of charge

Our performance indicators since 2015

Euros Collections

380 M €

collected

Rate Yield

10%*

average rate of return
*past performance is not indicative of future performance

Operations Finance

375

operations financed

Duration Investment

20 months

average duration of an investment

Real estate crowdfunding operations
in progress

The latest operations
financed

Loan

Boussois, Hauts-de-France

FR

Boussois by Farprom Partenaires

86-unit development sold en bloc to a social landlord on the Belgian border

12 months

700 000 €

148

Funded

Obligation

Arcachon, New Aquitaine

FR

Chanzy par Pepita

Refinancing of a front-line asset in the Arcachon basin

18 months

1 050 000 €

211

Funded

Obligation

Lyon, Auvergne-Rhône-Alpes

FR

Château de la Jayère by Valetys Realisation

Refinancing the Château de la Jayère in Lyon

24 months

480 000 €

157

Funded

Loan

Roubaix, Hauts-de-France

FR

Newton by Nord Invest

Refinancing of a 9-unit apartment building on the outskirts of Lille

24 months

220 000 €

128

Funded

Obligation

Bois-Colombes, Île-de-France

FR

Résidence La République by S.A Promotion

Mixed-use property development in Bois-Colombes

18 months

1 500 000 €

333

Funded

Loan

Beynac-et-Cazenac, Nouvelle-Aquitaine

FR

Le Pressoir by Oliver Properties

Financing a real estate transaction in Beynac-et-Cazenac

24 months

240 000 €

115

Funded

Obligation

Montgeron, Île-de-France

FR

Montgeron by TMI

Purchase and resale of a building of 8 lots after work

18 months

900 000 €

395

Funded

Obligation

Saint-Raphaël, Provence-Alpes-Côte d'Azur

FR

Villa Armitelle by BDI Développement

Financing the construction of a villa in Saint-Raphaël

24 months

870 000 €

323

Funded

Obligation

Reims, Eastern France

FR

Villeminot by JANSON IMMOBILIER

Acquisition of a building and creation of 12 apartments in Reims

24 months

200 000 €

95

Funded

FRA B Corp Logo Tagline Lockup Standards Black RGB

For us, being a B Corp™ means joining a movement of more than 5,000 companies gathered around a common goal of promoting sustainable business models that blend commitment and results. At Raizers, we seek to positively influence the real estate and finance sectors by rewarding project leaders committed to prioritizing sustainability in their strategy.

Information note The "Certified B Corporation" logo is awarded by B Lab to companies which, like ours, have successfully completed the B Impact Assessment and meet B Lab's requirements in terms of social and environmental performance, responsibility and transparency [...].

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Contact us

French flag

France

15 rue du Colonel Driant
75001 Paris

23 boulevard Eugène Deruelle

69003 Lyon

+33 1 83 62 21 21

Swiss flag

Switzerland

Rue des Alpes 5,
1201 Geneva
Switzerland

+41 22 575 27 27

Benelux

8, rue de la Grève
1643 Luxembourg
Luxembourg

+32 78 48 02 15

Until now, crowdfunding has been used by business creators or to support various types of projects. It is now an innovative solution that is accessible to a larger number of potential investors. Real estate crowdfunding allows all kinds of savers to finance projects by participating in the construction or acquisition of a property outside or in addition to the institutional banking circuit and traditional financing formulas.

Our platform Raizers, specialized inEuropean investment and online crowdfunding, plays the role of intermediary and partner between real estate project owners, developers, builders, developers... and individual investors looking for short and medium term financial gains.

These new modes of participatory financing open to individuals and in particular real estate crowdfunding allow relatively short returns on investment over periods ranging from 6 to 24 months as a general rule. Using crowdfunding makes it possible to carry out all types of real estate projects and operations, in particular for construction, renovation, energy improvement of the habitat, life annuity or renting.

Real estate crowdfunding provides a concrete and tailored response to developers who see it as a means of securing financing needs, controlling their cash flow and dealing with possible budget overruns that are recurrent in this field of activity with the generation of additional costs, delays in delivery or even the lengthening of time to promote and sell all the lots of the real estate operation.

For the real estate developer, launching an alternative financing campaign such as crowdfunding can also allow to build up a starting capital aimed at convincing banking institutions to support the project via the loan.

For the individual investor, real estate crowdfunding allows access to more diversified financial investments, which until now have been reserved for people with large amounts of capital, while guaranteeing the repayment of their capital at a fixed date and the possible generation of profits, depending on the set-up.

As an expert in participative real estate investment, we take great care to offer complete transparency in the financing programs we propose to our investors. Nothing is left to chance in the real estate crowdfunding projects proposed by Raizers: the financial capacity of the developer and project owner, the fact that the building permit is actually held, the existence of a completion guarantee, the legal form adopted or the level of liability.

If you are a saver who wishes to diversify your financial investments and if you want to commit yourself to a short-term profitability objective, then the rigorous selection of programs offered by Raizers represents a more than interesting alternative. Our approach? To propose you toinvest in real estate programs verified and selected with meticulousness and to make sure that your capital is returned to you at the date planned by the project owner, increased by the interests drawn from the real estate operation. Thanks to our site of participative financing in the real estate, you have today the opportunity to invest in projects of scale according to your prerogatives of return, your capacities of investment and mobilization of your savings.

Raizers is the preferred partner of real estate developers and construction professionals who wish to raise funds to complete a real estate project, as well as individual investors looking for profitable financing alternatives. With Raizers, a real estate crowdfunding platform, you now have the opportunity to lend your savings to real estate professionals, to invest in various projects from as little as one thousand euros and to take advantage of a short-term, no-cost operation with high potential returns.

The interest rate is initially proposed by the project owner. RAIZERS, in discussion with the latter and following the completion of the audit, may adjust the interest rate applicable to the operation financed. The rate is determined according to a number of criteria that may offset each other (operator experience, pre-marketing, stage of completion, asset liquidity, margin level, etc.). The final rate is discussed by the Committee, and reflects the risk identified on the transaction, as well as the term of the loan. There may be an element of subjectivity in determining the interest rate, which must also take into account RAIZERS' relationship with the project owner, the economic context, RAIZERS' commercial knowledge of its customers, etc. Please note that the interest rate suggested by RAIZERS must be accepted by the project owner, and that RAIZERS does not unilaterally determine this rate.

How did real estate crowdfunding come about?

Real estate crowdfunding emerged at the beginning of the 21st century as an innovative alternative to traditional real estate project financing. Its origins can be traced back to the United States in the 2000s, when online platforms began enabling large numbers of people to invest small sums of money in larger real estate projects.

This model is based on the principle of raising funds froma wide range of investors, both private and professional, thus eliminating the need for a property developer to rely solely on financing from traditional financial institutions.

Real estate crowdfunding offers investors an opportunity toaccess diversified real estate projects at relatively affordable investment amounts. Developers, for their part, benefit from an alternative source of financing, and can achieve their financial objectives more easily and quickly. This collaborative approach has since gained in popularity in many countries, with dedicated platforms emerging around the world to facilitate these participative investments in the real estate sector.

 

How does participatory real estate financing work?

Real estate crowdfunding allows individual or professional investors to contribute to a real estate project presented by a real estate crowdfunding platform. This provides access to financing for large-scale projects usually reserved for institutional investors. In return, investors receive interest at a rate defined at the time of investment.

The real estate crowdfunding platform acts as a link between the real estate operator (developer or property developer) and investors. It selects the projects it will present following an in-depth analysis of the latter and the project owner, carried out by an audit team. It will only present projects that meet the financing prerequisites and strike a balance between the risks identified during the analysis and the guarantees.

What are the advantages of real estate crowdfunding?

The returns offered by real estate crowdfunding, while differing from project to project, are often higher than current savings passbooks or euro-funded life insurance solutions. For real estate crowdfunding investments, the return is generally annual, and is displayed by the platform when it presents the operation to investors. Please note, however, that this rate of return is shown gross of tax, and tax must be deducted for those concerned.

Crowdfunding real estate investments are generally open from as little as €1,000 (this varies from platform to platform), making them more readily accessible, even to investors for whom real estate would not initially be an objective. What's more, the sums involved are only tied up for a relatively short period, depending on the nature of the project, and rarely exceeding two years.

Traditional real estate investment involves the investor in a wide range of management issues, which are likely to generate additional costs or require a more time-consuming commitment. With real estate crowdfunding, the investor is not involved in the development of the project, the organization of the work, the payment of service providers, site supervision or the sale of the real estate involved in the construction or renovation program. In the final analysis, crowdfunding appears to be a way of investing in real estate that leaves aside the operational aspect.

Why invest in real estate crowdfunding?

Short-term investments

Real estate crowdfunding allows for relatively short returns on investment over periods ranging from 6 to 24 months as a general rule. In 2023, the average duration of a project in France was 22.1 months (source: Baromètre du crowdfunding immobilier, Mazars).

 

Diversifying your savings

Participatory real estate financing can be used for all types of real estate projects and operations, including construction, renovation, energy-efficient home improvements, life annuity or rental. You can also choose from a wide range of locations: in different regions of France, but also abroad, particularly in Europe.

 Attractive returns

With an average return of around 10%*, crowdfunding is one of the most attractive financial investments available. One of the reasons for this high return is that the bonds issued enable promoters to raise large sums of money quickly. This money is then used to build up equity and borrow money from banks at low rates. This loan is inevitably more expensive than a bank loan, as repayment is subordinated to the latter... but this benefits both investors, who make an investment with a relatively high return, and developers, who can carry out profitable operations and develop their business.

However, real estate projects may be subject to unforeseen delays due to permitting problems, weather conditions, construction difficulties, etc. These delays can result in additional costs for operators and affect the expected return on the operation, although Raizers realizes a mark-up on the rate applied to late interest.

Real estate market conditions can influence project profitability. Market variations, economic changes or crises can impact the demand, value and profitability of real estate.

 

* Past performance is no guarantee of future results.

What are the risks of investing in a real estate crowdfunding project?

 

Investing in real estate crowdfunding presents certain risks, as with any investment, and investors should be aware of these before participating in a project. Here are some of the potential risks associated with real estate crowdfunding:

Liquidity risk

 

Investments in real estate crowdfunding can have limited liquidity. The funds invested are locked in for the duration of the project, which can extend over several years, and it may not be easy to sell shares before the project is fully completed.

Risk of capital loss

 

Real estate investments always carry the risk of capital loss (total or partial). If the project does not succeed as planned, or if the real estate market declines, investors may lose part or all of their investment.

A tax risk

 

Before the end of an investment's term, new tax rules may be imposed on the income earned on that investment. This can potentially reduce returns.

A risk ofinflation

 

Real estate market conditions can influence project profitability. Market variations, economic changes or crises can impact the demand, value and profitability of real estate.

It is crucial for investors to perform due diligence, understand the specific risks of each project, diversify their investments and choose reputable real estate crowdfunding platforms. A thorough understanding of the terms and conditions of each project is essential to minimize the risks associated with this type of investment.

What guarantees are offered to protect investors?

 

To secure the loan in the event of default, the real estate crowdfunding platform makes sure to take out guarantees that will cover the loan if the real estate operator fails to meet its commitments. The guarantees you can find on projects offered by Raizers are :

 

The mortgage

A mortgage is a security interest. In practical terms, a mortgage gives the lender a security interest in a property. If the borrower defaults on payment, the lender can force the sale of the property in order to be reimbursed.

If the borrower defaults on repayment and the lender forecloses on the property, the proceeds from the sale of the property will first be used to repay the first-ranking mortgage before going to lower-ranking mortgagees.

 

Security trust

The security trust is a legal instrument used in the financial and commercial sectors to secure the repayment of a debt. It works by temporarily transferring ownership of an asset (called a "fiduciary fund" or "trust") from one party, the settlor, to a third party, the trustee, with the aim of guaranteeing repayment of a debt to a beneficiary.

 

Personal surety

A personal guarantee is a financial commitment made by a person (the guarantor) to guarantee repayment of a debt contracted by another person or entity (the principal debtor). In other words, the guarantor undertakes to reimburse the creditor if the principal debtor is unable to meet his or her financial obligations.

There are several types of surety, and the personal surety is one of them. A personal guarantor uses his or her own assets and financial resources to guarantee the principal debtor's debt. In the event of non-payment by the principal, the personal guarantor may be called upon to repay the debt.


First Demand Guarantee

A first demand guarantee enables the beneficiary to demand immediate and unconditional payment in the event of non-compliance with the terms of the contract. The guarantor must perform without being able to defer payment, or raise any objection, exception or dispute relating to the basic contract or the guaranteed obligation.

Steps for investing on the Raizers platform

 

To invest on Raizers, you need to follow a number of steps that take just a few minutes:

  1. Enter your contact details (surname, first name, email address and telephone number) on the registration form.
  2. Fill in your personal details (address, nationality, country of tax residence, etc.).
  3. Upload the supporting documents needed to validate your profile (ID and proof of address).
  4. Complete the investor profile questionnaire.
  5. Credit your account and start investing in our operations.

Why use Raizers for participative real estate investment?

Investors can invest on Raizers from as little as €1,000, which is a relatively affordable amount for an investment in a real estate project. This gives access to operations that are usually reserved for institutional investors. Investors can invest in increments of €1,000.

Raizers guarantees free registration and subscription. Raizers is paid by the operator, not the investor. This allows investors to maximize their return on investment.

As an expert in participative real estate investment, we take great care to offer complete transparency in the financing programs we propose to our investors. Nothing is left to chance when it comes to real estate crowdfunding projects presented on the Raizers platform: the financial capacity of the developer and project owner, the fact that they hold the building permit, the existence of a completion guarantee, the legal form adopted and the level of liability.

We offer you " positive impact " investment opportunities. The selection of these operations is based on a precise rating grid incorporating ESG criteria (Environment, Society, Governance). The aim is to reward project promoters who are committed to sustainability in their strategy, by applying a preferential interest rate to their loan.

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Information note: The "Certified B Corporation" logo is awarded by B Lab, a private non-profit organization, to which, like ours, have successfully completed the B Impact Assessment ("BIA") and meet B Lab's B Lab's requirements in terms of social and environmental performance, accountability and and transparency.

It is specified that B Lab is not a conformity assessment body within the meaning of Regulation (EU) No. 765/2008, nor a national, European or international standardization body within the meaning of Regulation (EU) No. 1025/2012. BIA criteria are distinct from and independent of harmonized standards issued by ISO standards or other standardization bodies, and are not ratified by national or European public institutions.

BCorp company

If you're a saver looking to diversify your financial investments and want to commit to short-term profitability, then the rigorous selection of programs offered by Raizers represents a suitable alternative. Our approach? To offer you the opportunity toinvest in carefully analyzed and selectedreal estate programs, and to ensure that your capital is returned to you on the date specified by the project owner, plus the interest earned on the real estate transaction. Thanks to our participative real estate financing site, you now have the opportunity to invest in large-scale projects in line with your return prerogatives, your investment capacity and your ability to mobilize your savings.