Get financed on Raizers
Raizers is a funding platform that allows you to raise funds from a community of 45,000 investors individuals and professionals, in France, Switzerland, Belgium* and Luxembourg, thanks to authorizations** issued by local financial market authorities.
*However, unlike the other markets, the platform is not authorised to provide investment advice to Belgian investors.
**Participatory Investment Advisor by the AMF in France, Alternative Financing Platform approved by the FSMA in Belgium.Fill in my funding application
under 7 days
Up to €8 millions
More than 150
€880,000 in 2020
€5M in 1 hour
Property dealer, developer, Raizers accompanies you in the financing of your operations :
- Additional equity contribution
- Mezzanine debt
- Refinancing of operations
- Financing of works
- Real Estate Bridge
- Mortgage debt
- Sale with repurchase option
Through its subsidiary Raizers Transactions, Raizers also provides support for the commercialisation of your operations.
Bonding as a financing solution...
Raizers finances real estate operators through the issuance of bonds (debts) at rates of between 7% and 12% per annum, for a limited period of time ranging from a few days to 36 months maximum.
Raizers represents all investors and is your sole contact.
... for real estate professionals.
Before analysing your financing request, our prerequisites are as follows:
Executives who have successfully completed similar transactions;
A loan carried by a company registered as a joint stock company (SA or SAS) that can be created specifically for the operation.
The Raizers Journey in 25 Days
Pre-selection of the operation
Our team has set up a tool for processing financing requests that allows you to provide us with all the information we need to evaluate your project and decide whether or not to proceed with your financing request.
(please allow <10 minutes)Complete my funding application
Signing the contract
If your project meets the Raizers prerequisites, one of our financing account managers will contact you within 5 days maximum in order to contract our services.
Raizers charges a variable fee on the amount raised, which cannot exceed 10%. Raizers may also charge a fixed fee of up to €8,000/CHF upfront, depending on the estimated time required for the financial and legal structuring of the operation.
Once the contract is signed, Raizers financial analysts conduct an in-depth study of the operator's profile and financing request, allowing them to judge its viability and suitability. To this end, an exhaustive list of documents, listed in the contract, must be provided:
- Elements related to the borrower: identity document, resume, track record, etc.
- Economic elements: operation brochure, commercial supports, etc.
- Financial elements: latest balance sheets, business plan, cash flow forecast, etc.
- Legal elements: organization chart, extract from the trade register, statutes, shareholders agreement, leases, compromise, building permit, etc.
This audit leads to the production of a summary note within 5 to 15 days, which enables the Raizers Selection Committee to issue a final opinion, favourable or not, to which is associated a proposal for the legal and financial package (rate, maturity, possible guarantees associated with the loan).
Legal documentation and putting the operation online
In less than 48 hours, our advisors and our Raizers lawyers will prepare the commercial and legal documents that will allow our investment advisors to carry out your fundraising:
- Presentation content and memorandum of the transaction ;
- Drafting of the regulatory documentation;
- Subscription form.
- Bond contract
Fundraising and payment
Depending on their type and the amount to be raised, our operations are financed in minutes, hours or days.
An investment advisor is dedicated to your fundraising. He or she is responsible for monitoring subscriptions and providing investment support. He/she also runs the online forum where interested investors can ask questions.
Any investor must be registered and have declared his identity before being able to consult the profile of the companies and the details of the transactions on the platform.
At the end of the fundraising process, we pay out the funds. These will have been deposited throughout the campaign into an escrow account opened in your company's name with our approved payment service provider MangoPay SA, a subsidiary of the bank Credit Mutuel Arkéa.
If the goal is not reached, all investors are reimbursed by Raizers.
Investment Monitoring and Investor Repayment Post Fundraising
By getting funded by our community of investors, you contractually commit to keeping them informed quaterly of the progress of your operation (progress of the works, state of the commercialisation...). In this context, you will receive a quarterly reporting request that you must complete and return to us. The Raizers team will then transmit the information to the investors.
Raizers takes care of bond redemptions, including tax obligations (social and fiscal deductions in the context of flat tax, preparation of single tax forms, etc.).