Free up your cash flow
without giving up your assets

Do you need short-term financing and own a property whose value covers at least that amount? At Raizers, we offer a financing solution in the form of a sale with right of repurchase.

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A woman working on a laptop at a desk with a notebook, a calculator, and a mug.

A modern house with large picture windows, a terrace, and a pool in the foreground.

THE MECHANISM

What is a sale with right of repurchase?

A sale with right of repurchase is a long-standing arrangement in which a property is sold temporarily, with the seller retaining the right to repurchase it at any time within a predetermined period, often two years.

"A factoring solution that allows you to quickly access funds without resorting to traditional bank financing."

Discounted sale

The property is being sold below market value, which provides security for the investor and speeds up the transaction.

Right of Redemption

The option to redeem at any time, within a predetermined period, often two years.

Transfer of Ownership

The investor becomes the owner for the duration of the holding period, which serves as the primary guarantee.

Retention of the right of usufruct

The seller retains the right to use the property for the entire duration of the holding period.

AM I ELIGIBLE?

What are the requirements for applying for a buyback option?

Raizers' buyback program is intended for individuals or legal entities that own real estate assets. Four cumulative conditions govern the transaction.

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Debt-free real estate asset

The property provided as collateral must be held in full ownership and free of any prior mortgage lien.

Financing of up to 70% of the value

The amount disbursed is based on the appraised value of the property, up to a prudential limit of 70%.

From €500,000 to €5 million

Smaller-denomination tickets are not suited to the formalities of a buyback agreement or its intermediation costs.

Duration: 12 to 24 months

A buyback agreement is intended as a short-term holding solution. Beyond that, other arrangements are more appropriate.

BENEFITS

The Benefits of a Sale with Right of Repurchase

A well-balanced transaction that meets both the seller's constraints and the investor's requirements.

FOR THE SELLER

A quick and discreet carrying solution

Get access to cash quickly

An option for borrowers who are not eligible for a mortgage

Retaining the right to use one's real estate

Right of repurchase retained for 24 months

No buyback obligation: you are free to decide whether or not to reclaim your property

FOR INVESTORS

A Secure Real Estate Investment

Investment available starting at 1,000 €

Attractive target return, set in advance

Becomes the owner of the property—maximum security

Fixed duration, capped at 24 months

Projects selected and audited by Raizers

THE SELECTION PROCESS

From Request to Transfer: 6 Well-Defined Steps

1 day

Preselection

Application submitted through our tool. Initial screening by our team of analysts.

5 days

Contract Signing

Formalization of the mandate. Commission: maximum 10% of the amount raised.

5–15 days

Comprehensive Audit

In-depth analysis of the operator, the project, and the guarantees.

< 48H

Documentation

Preparation of marketing materials and regulatory documentation.

7 days

Fundraising

Community-based funding—often secured within hours.

Continuous

Follow-up

Quarterly reporting, payment deadlines, and final repayment.

Transparent Pricing

Variable commission capped at 10% of the amount raised · Upfront processing fees of up to 8,000 €/CHF.

Response within 5 business days

Submit your application.
Get the funds.

Or speak directly with our team, who are available to assess your project early on.

Submit my request

Talk to an advisor

+33 1 83 62 21 21 financement@raizers.com

Raizers SAS, a crowdfunding service provider authorized by the French Financial Markets Authority (AMF) under number FP-2023-5.
Disclaimer: Investing in stocks or bonds or lending money to companies involves a significant risk of partial or total loss of principal, as well as a risk of illiquidity. Do not lend more than you can afford to lose.

Raizers SA, a brokerage firm incorporated under Swiss law
The Financial Services Ombudsman (FINSOM) is a specialized mediation body that administers a mediation system for business and commercial relationships in the financial services sector, recognized by the Federal Department of Finance (FDF) under the Swiss Financial Services Act (FSIA).

Raizers Patrimoine, an insurance broker (COA) registered with ORIAS under number 26005767, regulated by the French Prudential Supervision and Resolution Authority (ACPR).
Member of the ENDYA Association, whose mediator is La Médiation de l’Assurance—TSA 50110—75441 Paris Cedex 09
Disclaimer: Unit-linked investment products carry a risk of capital loss. Past performance is not indicative of future results.

Free up your cash flowwithout giving up your assets