Real estate crowdfunding
Raizers allows investors, indivuals or companies, to finance real estate operations.
For each selected project, Raizers organizes a fundraising in the form of bonds, intended to provide additional equity to the property developer.
In special cases, Raizers will propose to investors an indirect equity investment through a holding company dedicated itself to investment in capital and current accounts of the company dedicated to real estate development operation (target company). This option will be considered only when the legal status of the target company does not allow the developer to issue a bond.
Raizers always favors the most direct and transparent investment for its investors. We remind you that investing in equity or lending to unlisted companies represent specific risks (details are available on related links).
You decide the amount that you want to invest
Investment available from 2 000 euros
You invest in qualitative projects
The projects are selected by our financial analysts on qualitative criterion of location, price positioning and development by property developers that already demonstrated their know-how in the past
You get attractive return with short maturity
• Between 6% to 12% annual return
• Investment maturity from 12 months to 36 months
You invest in few clics with entire transparence
You benefit from an innovative interactive solution to follow your investments
Registration on Raizers is free and is done in one click, using your email address or your LinkedIn profile.
Your account allows you to access to all the information relative to the operations presented on the platform:
This account allows you to share information with companies via the access to the dedicated forum of each operation.
Our investment advisor contacts you directly with the phone number you filled out when you signed up. We propose to study together your profile and your investment capacities in order to define together the offers, current or future, that best suit your investor profile.
Fourth step : Your investment
We suggest you first to complete your profile with your adress, nationality, living country and IBAN, that will be used to reimburse capital and pay interests.
At the time of the investment :
Fifth step: Investment follow up
The schedule of the loan as well as your subscription form are available in your personal account. The interest and principal are paid on the dates indicated in the calendar on your Raizers account.
Following the payment, you can :
Depending on the investment product you are subscribing to, we will charge you a maximum investment fee of 3% including tax on the amount of your investment. You will find details of the fees for a dedicated transaction at Step 2 of your subscription and before signing the subscription form. You can also access it at any time in the "Documentation" tab of each operation by downloading the "Intermediary information document".
You are an individual established in France
The interests you receive, called "bond coupons" are fixed-income investment products from tax administration point of view.
These products are subject to :
A fraction of the social contributions (CSG 5.1%) is deductible from taxable income for the relevant year. This amount will be calculated and automatically deducted from your taxable income by the tax administration.
* This payment is automatically deducted and paid back in the form of a tax credit in the pre-completed tax return (2CK box).
Nevertheless, until 30th November of the year of investment (N), you can ask to be exempted from required deposit if the income tax reference (RFR) of your family on N-2 income is:
This exemption application is a sworn statement that engages your liability for misrepresentation. Thank you to contact us via the contact form if you would like a sample exemption application model.
** If you have received less than 2 000 € of net fixed income from investment products in the year N, you have the option to opt for a flat rate of income tax of 24%. If necessary, your pre-filled tax return, scratch the 2TR box and enter the correct amount in 2FA.
You are a French company
The interests you receive, called "bond coupons", are fixed-income investment products from tax administration point of view. They are recorded as financial income and as such are subject to corporate tax (IS).
You are an individual or a company established abroad
Taxation principles are different depending on the country where you are resident. Please contact us via the contact formula if you need specific information.
Every year during February, you will receive from Raizers a Fiscal Form (IFU) gathering details of income received and withholding taxes applied in order to facilitate your tax declaration.
The interest you collect on a bond issued by a Swiss company, called "coupons bond", are a return on movable capital from the eye of the Federal Tax Administration.
When you file your annual income tax return, you must include these coupons in your overall tax base. These returns are also subject to a 35% withholding tax levied. Withholding tax is a federal tax. It is an advance on income tax. The Swiss debtor (company issuers of bonds) pays the tax on the taxable benefit and transfers it to the beneficiary (the lender) by deducting the amount he has to pay.
The 35% withholding tax is refunded, under certain conditions, to taxpayers:
You are an individual:
The refund is granted to individuals domiciled in Switzerland, provided that they regularly declare, for cantonal and municipal taxes, the income and returns subject to withholding tax as well as the capital that produced them (refund made by the cantons in principle by deduction from cantonal taxes).
You are a Swiss company:
The refund is granted to legal entities based in Switzerland, provided that they regularly record as a return the income subject to withholding tax (refund made by the Confederation, more precisely by the Federal Tax Administration).
Source: https://www.estv.admin.ch/estv/fr/home/verrechnungssteuer/verrechnungssteuer/fachinformationen/verrechnungssteuer.html. The conditions for the refund are set out in Art. 21 to 28 “Loi fédérale sur l’impôt anticipé”
FUNDED REAL ESTATE PROGRAMS
SEGI IMMOBILIER - COEUR DE L'ISLE - 200 000€ - 19 INVESTORS
MJ DEVELOPPEMENT - CITYZEN K - 228 500€ - REMBOURSE EN 12 MOIS A 10% - 21 INVESTORS
ETHIK HOME - LES LOFTS DE MOREAC - 200 000€ - 22 INVESTORS
AJ PROMOTION - LES CITADINES - 200 000€ - 22 INVESTORS
AJ PROMOTION - CAMPUS OCEAN INDIEN - 230 500€ - 21 INVESTORS
- LES MOULINEAUX - 250 500€ - 30 INVESTORS
Careful! In the case of investment in bonds, the return profile is asymmetrical: the investor can lose everything while the potential return on his investment is limited to the yield calculated from the coupons collected over the period.
Also, lending to unrated SMEs represent specific risks :
?Liquidity is the facility with which you can resell your bonds after being acquired. Bonds purchased from companies which are presented on Raizers are unlikely to be exchanged on a secondary market in the short term. You might not be able to sell the bonds held at the time you intend to.
Before the maturity date, new tax restrictions might be imposed on the coupons received from bonds already acquired. The return on your investment might be reduced.
Raizers advises you not to count on the interests perceived as a significant part of future investment.
The value of invested capital and interests received might depreciate throughout the life of the bond. The return on your investment migt be reduced.
The companies presented on Raizers might not be able to pay the interests due or to reimburse the principal.
All the operations presented on Raizers have been previously analyzed.
However, if anomalies were to be found in the process of payments, Raizers will immediately inform you and will do everything possible to recover the sums.
In all cases, Raizers advises you to diversify your investments and prioritize the investment of money that you will not need during the life of the bond.
* Details :
I receive 2 940€ of interests, or the number of companies that have not bankrupt (49) * invested capital (10,000€) / total number of companies (50) * The annual interest rate (10 %) * the term of the loan (3 years)
But I lose 200€, which is the capital lent to the company that defaulted (investment (10 000€) / total number of companies (50))
At the end, I WIN 2 940€ - 200€ or 2 740€ or 27.4% of gross return.
Attention, as part of the property development operations, the following risks are also present: