Investment crowdfunding

Real estate private debt co-investments through participation on the loan agreement. Co-invest in ring-fenced real estate projects, which were analysed and approved by our investment committee.

Investments from 5,000 CZK
Investment memorandum
Regular project review and investor reporting

Start investing

4—9% annual return

Tenor 1—3 years

Everything is online

Through Upvest, there have been

investments

totalling

0.0mil CZK

and so far, we have repaid

0.0mil CZK

Strict project selection process

Projects open for co-investments are subject to commercial, legal and technical due diligence. Red flags and other results of due diligence reports are presented in the project´s investment memorandum subject to final investment committee approval.

Technical due diligence

Conducted in order to assess the technical and construction feasibility of the given project.

Legal due diligence

Verification of asset ownership, possible easements or lien and other relevant checks.

Commercial due diligence

Cash flow forecast, cost analysis and review of key assumptions.

1 in 10 projects passes
our assessment
processes

How it works

Mezzanine loan

Project capital structure

Payment order

Developer

Upvest

Bank

We provide a mezzanine loan when the real estate sponsor has already secured a bank loan. The interest rate on the mezzanine loan is higher than on the bank loan due to the principle of seniority. The mezzanine loan can be repaid only after full repayment of the bank loan (or senior loan). At the same time, mezzanine debt has to be repaid before any profit distribution to the equity holder (real estate sponsor).

Senior loan

Project capital structure

Payment order

Developer

Upvest

The interest rate on the senior loan is usually lower than on the mezzanine loan. The reason for that comes from the fact that the senior loan provider usually has a lien on the property and other legal claims on the real estate sponsor´s assets. The senior loan is first to be repaid from the project revenue and thus the senior loan is usually less risky than the mezzanine loan.

Benefits for Investors

Real estate private debt structuring including due diligence procedures is costly. For an investor willing to participate on the real estate private debt market from as little as 5 000 CZK individual investment, Upvest provides the necessary information to make an informed decision whether to participate on the specific project or not. Therefore, Upvest makes real estate private debt market accessible to a wider public.

Investor chooses which projects to invest in
Individual investments from 5,000 CZK
Everything is online

Only approved projects opened for investments
Regular project review and investor reporting

Investor chooses which projects to invest in
Individual investments from 5,000 CZK
Everything is online
Only approved projects opened for investments
Regular project review and investor reporting

Benefits for Developers

Upvest provides tailor-made solutions for real estate sponsors. Loans we provide and their terms and conditions are structured with respect to the projects´ specific parameters. This flexibility in loan structuring allows real estate sponsors to partner up with Upvest on complex transactions and project realisations across all the real estate market segments and during each phase of a project lifecycle. We believe that we can establish a long-term partnership with an individual approach to project financing.

Enables to execute more capital-intensive projects
Release sponsor´s resources from existing project that can be used for new project or property acquisitions

Enables to execute multiple projects simultaneously
Higher leverage and thus higher return on equity (and higher risk for equity holders)

Enables to execute more capital-intensive projects
Enables to execute multiple projects simultaneously
Release sponsor´s resources from existing project that can be used for new project or property acquisitions
Higher leverage and thus higher return on equity (and higher risk for equity holders)