The interest of private investors to invest Since the rise of fintech platforms, business mortgages have taken a flight. Possibly the pioneer in this area was: the company brings entrepreneurs and private investors together. Becomes possible business financing provided to entrepreneurs for the purchase of real estate, with the same real estate as collateral.
Enormous growth
Miranda Landkroon-Wegmans was one of the first employees eight years ago. Now the Fund Manager and power building is one of the hundred and fifty employees. Landkroon-Wiegmans has not only sorry that they gave up certainty to pioneer with that enormous growth of possibly. It frustrated her very much that SMEs with good ideas still got zero on the Kestest.
“It has not become easier for SMEs over the years,” she says. “Where possible, it was first seen as an alternative financing option, we are now top of mind with entrepreneurs.”
Greater money
The interest of private investors is also only getting bigger. Certainly now that the stock markets fluctuate and the savings rates remain low, they are increasingly looking at other options. With possibly the investor in real estate mortgages chooses whether he wants to be at the helm or want to be fully relieved.
“On the one hand we offer direct investments,” explains Landkroon-Wegmans. “Then you check the weekly offer in the investor portal or via the app and you can select the object of your choice. As an investor you know exactly which building it is. You also know everything about the debtor.”
Possibly at a given moment from the pousers, as Landkroon-Wiegmans calls the entrepreneurs, more demand for larger sums of money. “For us it was more difficult to match supply and demand, because the group of people who want to lend 100,000 euros for an object is larger than the group with 750,000+ euros. At the same time, there was more demand from the lenders for possibilities to spread over different objects. That is why we introduced a mix in 2022 to the Total Fund for the Fund, in which with the Fund, in which the Fund Fund, in which the Fund Fund,” “
Choice of convenience
In addition to a choice for spread, the choice to participate in the fund is also a choice for convenience. “Not every investor wants to choose a specific object himself. We relieve the investor investing in the fund – from 100,000 euros – fully. We indicate the duration and prognosis return and put together a beautiful mortgage portfolio, spread over the country and about the street, which are mainly to know in which building.”
Possibly on average five funds opens per year. The content varies from 30 to 40 million euros, which financed a wide range. “We finance conservatively,” says Landkroon-Wegmans. “Because we do not finance objects for the full 100 percent – as a rule we finance in a fund up to 65 percent – the debtor must also ensure a significant part of their own financing. In a market that is on the move, you know that after a upward trend there can also be a downward trend.
No unforeseen costs
There are all kinds of benefits for the investor, says Landkroon-Wegmans. “You have no troubles, because you are not the owner of the real estate. So you do not have to maintain or to make it more sustainable and do not take into account unforeseen costs. You do have a nice return and a limited risk.”
Investors can opt for the possible plus arrangement. “We then temporarily take over the debtor risk. If a money loan does not meet the obligations, the lender does not notice it. We relieve the investor and that is something that we really distinguish.”
Combining is possible
Building power is possible with possible exactly as you want. “With the fund you choose a nice mix and spread, where you put your money away for five years. Those who finance directly can also be repaid in the meantime. Some investors spread extra by investing directly and stepping into one or more funds. Combining is therefore also possible.”
There is personal contact with every investor, emphasizes Landkroon-Wegmans. “With us someone is not a number, that person has a name. People have worked hard for their money and they want to deal with it in a good way.”
Want to know more about possible and the various investment options? Go to Possible.nl.