Direct contact? Call 073 - 44 00 300 or mail to info@wdl.nl.

WDL Lenen Maykel Bart John

Financing for SMEs and real estate investors

Banks are increasingly focused on internal policies and digitalization, making business financing more challenging.

However, there are plenty of opportunities to finance outside banks. WDL Kredietfondsen offers solutions in areas where banks cannot, such as through our WDL Direct Lending, WDL 1st Mortgage Fund or WDL High Yield Fund.

Entrepreneurs in the SME sector must always stay active. This requires liquidity to ensure that setbacks never jeopardize business operations. Additionally, it’s important to continue investing countercyclically. Fortunately, today’s entrepreneurs are increasingly aware of the risks and the buffers needed for tougher times.

For example, WDL Kredietfondsen helps with

SMEs that exist > 2 years looking for financing for acquisitions, working capital, machinery expansion, or refinancing, with amounts ranging from €100,000 to €5,000,000.
Entrepreneurs purchasing or renovating a business property for their own use, refinancing an existing loan with a Loan to Value (LTV) of up to 100%, with credit needs between €100,000 and €50,000,000.
Purchase or refinance of agricultural land with an LTV of up to 60% and financing between €100,000 and €50,000,000.
Real estate project development (residential or commercial) with an LTV of up to 80% and financing between €100,000 and €50,000,000

Financing specialists with understanding."

Rob, 62, Den Bosch

I sent a message, and they called back the same day to assess the situation. Love that speed!

Tom, 29, Oisterwijk

My bank just stopped visiting. But WDL Kredietfondsen does come by just to have a chat."

Henk, 47, Hilversum

At my bank, a 3-month approval process is fast. With WDL Kredietfondsen, I had financing certainty in 2 weeks."

Olivia, 39, Beverwijk

WDL Lenen

WDL Kredietfondsen:

WDL Kredietfondsen distinguishes itself by offering personalized solutions, backed by decades of expertise in credit risk, restructuring, and consultancy. Where other financing parties are highly automated and lack personal contact in credit applications, we remain flexible and client-focused.

 

Our goal is to process your credit application within two weeks. We prioritize getting to know your business to create a tailored financing structure, often in close collaboration with intermediaries. We value maintaining a healthy, forward-looking relationship with both you and intermediaries.

Our approach is clear

1
Contact us via the contact form, call at 073-44 00 300 or complete our financing check.
2
We discuss the financing request and assess the chances of success. You can share additional details, like annual accounts, via email.
3
If we believe your request can be placed with one of our investors or in one of our funds, we will provide a free indicative proposal within 1 working day, outlining expected rates, terms, and costs.
4
After accepting the proposal, we aim to secure financing within two weeks. We then prepare the loan documentation. If you haven't received commitment within two weeks after the final analysis, you are not obligated, and no costs will be charged.

Curious if you qualify for financing? Try our Financing Check.

WDL Kredietfondsen works quickly and methodically, linking your credit request with a strong group of investors and credit funds. The selection and management process is always transparent: you communicate directly with one of our specialists and receive an indicative offer within 1 working day. After a Quick Scan analysis, your financing could be arranged within 2 weeks

Examples of completed financings

North Brabant

Bridge financing home remodeling

Loan € 600.000,=
Interest 8,50%
Repayment No repayment during term
Duration max. 9 months with a minimum interest period of 3 months
Collateral 3rd mortgage on the home with an LTV of 70% after financing
Liability Deposit

South Holland

Bridging finance to purchase seaside apartment

Loan € 350.000,=
Interest 7,25%
Repayment No repayment during term
Duration 9 months
Collateral 1st mortgage on OG with an LTV of 53%
Liability Private liability

Utrecht

Commercial real estate financing

Loan € 600.000,=
Interest 7,25%
Repayment €20,400 per year
Duration 5 years
Collateral 1st mortgage on OG with LTC of 70%, pledge lease agreement
Liability Deposit

North Brabant

Financing apartment development

Loan € 700.000
Interest 7,5%
Repayment € 20,000 per year
Duration 24 months
Collateral 1st mortgage on OG, pledge rental payments
Liability Deposit

North Brabant

Financing bridging home

Loan € 750.000,=
Interest 7,5%
Repayment No repayment during term
Duration 8 months, with a minimum interest period of 3 months
Collateral 1st mortgage on OG with an LTV of 52%
Liability Deposit

North Brabant

Financing construction project development

Loan € 300.000,=
Interest 8%
Repayment No repayment during term
Duration 12 months
Collateral 1st mortgage on OG with LTV of 50%,
Liability Deposit

Gelderland

Financing development 2 apartments

Loan € 200.000,=
Interest 7,5%
Repayment €9,000 per year
Duration 5 years
Collateral 1st mortgage on property with an LTV of 72.7%, pledged rental payments
Liability Deposit

North Holland

Financing investments + working capital

Loan € 875.000,=
Interest 8,0%
Repayment € 42,000 per year
Duration 5 years
Collateral 1st mortgage on OG with an LTV of 61%, pledging rental payments
Liability Deposit

Utrecht

Financing property for rental purposes

Loan € 350.000,=
Interest 7,5%
Repayment € 14,400 per year
Duration 5 years
Collateral 1st mortgage on the property with an LTV of 80%, pledge rental payments
Liability Deposit

North Brabant

Financing purchase of equestrian center

Loan € 1,260,000 (split between 2 investors)
Interest 7,75%
Repayment €25,000 per year
Duration 5 years
Collateral 1st mortgage on OG with an LTV of 69%, pledged rental receipts box rental
Liability Deposit

South Holland

Financing purchase of retail space with workshop

Loan € 400.000,=
Interest 7,5%
Repayment € 18,000 per year
Duration 5 years
Collateral 1st mortgage on OG with an LTV of 80%
Liability Private liability

North Brabant

Financing recreation complex

Loan € 1,250,000 (split between 2 investors)
Interest 8,0%
Repayment € 36,000 per year
Duration 5 years
Collateral 1st mortgage on leisure complex with an LTV of 71%, pledging inventory, goodwill and other movable property
Liability Deposit

Gelderland

Refinancing bakery

Loan € 350.000,=
Interest 7,0%
Repayment €4,800 per year
Duration 5 years
Collateral 1st mortgage on OG with an LTV of 70%, pledging rental payments
Liability pledge of rent payments

South Holland

Refinancing corporate warehouse wholesale business

Loan € 275.000,=
Interest 7,75%
Repayment € 12,000 per year
Duration 5 years
Collateral 1st mortgage on OG with an LTV of 85%, pledging rental payments
Liability Deposit

North Brabant

Refinancing office property

Loan € 140.000,=
Interest 6,75%
Repayment €48,000 per year
Duration 3 years
Collateral 1st mortgage on OG with an LTV of 25%, pledging rental payments

North Brabant

Refinancing hospitality operation

Loan € 1,350,000 (divided among 4 investors)
Interest 7,50%
Repayment € 30,000 per year
Duration 36 months
Collateral 1st mortgage on OG with an LTV of 90%, pledge lease agreement, pledge rental agreement, pledge inventory
Liability Deposit

Friesland

Refinancing business properties

Loan € 400,000 (split between 2 investors)
Interest 7,75%
Repayment No repayment during term
Duration 5 years
Collateral 1st mortgage on OG with an LTV of 38%
Liability Private liability

Zeeland

Financing company residence incl. halls and farmland

Loan € 965,000,= incl. bridging €360,000.=
Interest 7,75%
Repayment 1st year redemption free, thereafter € 21,000 per year
Duration 5 years, bridging: max. 2 years with a min. interest period of 3 months
Collateral 1st mortgage on OG with an LTV of 63% Collateral for bridging: 2nd mortgage on OG to be sold, 2nd mortgage on private home to be sold

Zeeland

Financing apartment

Loan € 325,000,= incl. € 200,000.= bridge
Interest 7,25 %
Repayment € 2,400 per year
Duration 5 years, part bridging max. 18 months
Collateral 1st mortgage on OG with an LTV of 66%, pledging rental payments
Liability Deposit

Utrecht

Refinancing garage boxes/units

Loan € 300,000 (split between 2 investors)
Interest 7,5%
Repayment €9,000 per year
Duration 5 years
Collateral 1st mortgage on OG with an LTV of 62%, pledging rental deposits garage boxes
Liability Deposit

Gelderland

Financing real estate for development of apartments

Loan €800,000 (divided among 3 investors)
Interest 7,50%
Repayment € 20,000 per year
Duration 3 years
Collateral 1st mortgage on OG with an LTV of 69%, pledging rental payments
Liability Deposit

North Brabant

Financing residential complex for the purpose of housing employees

Loan € 450.000,=
Interest 7,50%
Repayment € 12,000 per year
Duration 5 years
Collateral 1st mortgage on OG with an LTV of 76%, pledging rental payments
Liability Deposit

North Brabant

Property purchase

Loan €250,000 (split between 2 investors)
Interest 7,50%
Repayment No repayment during term
Duration 12 months
Collateral 1st mortgage on home with an LTV of 52%
Liability Private liability

North Brabant

Refinancing commercial plinth

Loan € 650,000 (divided among 3 investors)
Interest 7,25%
Repayment € 24,000 per year
Duration 5 years
Collateral 1st mortgage on OG with an LTV of 65%, pledging rental payments
Liability Private liability

Gelderland

Financing real estate for development of apartments

Loan € 500,000 (split between 2 investors)
Interest 7,50%
Repayment € 50,000 per year
Duration 24 months
Collateral 1st mortgage on OG with an LTV of 72%, pledging rental payments

North Holland

Refinancing and remodeling office building

Loan € 2.200.000,=
Interest 7,50%
Repayment €48,000 per year
Duration 5 years
Collateral 1st mortgage on OG with an LTV of 58%, pledging rental payments
Liability Deposit

North Brabant

Refinancing business premises

Loan € 375.000,=
Interest 7,75%
Repayment €25,000 per year
Duration 5 years
Collateral 1st mortgage on business OG and 1st mortgage on private home together with an LTV of 70%
Liability Deposit

Twente

Financing industry peer acquisition and working capital

Loan € 580,000 (split between 2 investors)
Interest 7,50%
Repayment € 24,000 per year
Duration 5 years
Collateral 1st mortgage on OG with 67% LTV, pledging rental payments
Liability Deposit

South Holland

Financing hospitality property

Loan € 600.000,=
Interest 7,50%
Repayment € 18,000 per year
Duration 5 years
Collateral 1st mortgage on OG with an LTV of 72%, pledging rental payments
Liability Deposit

Utrecht

Financing rental properties

Loan € 520.000,=
Interest 7,25%
Repayment €20,800 per year
Duration 5 years
Collateral 1st mortgage on OG with an LTV of 75%, pledging rental payments
Liability Deposit

Gelderland

Financing business property

Loan € 635.000,=
Interest 7,50%
Repayment € 31,800 per year
Duration 5 years
Collateral 1st mortgage on business property with a Loan To Value of 72%
Liability Deposit

South Holland

Project Funding

Loan € 1.000.000,=
Interest 8,0%
Repayment No repayment during term
Duration 24 months
Collateral 1st mortgage on OG, financing 100% of purchase cost, pledge receivables
Liability Deposit

Friesland

Financing project development

Loan € 350.000,=
Interest 8,5%
Repayment €8,000 per lot upon cancellation and remaining amount upon completion of phase I
Duration Maximum 18 months
Collateral 1st mortgage on land, 73% Loan To Cost-Ratio (LTC)
Liability Deposit

Zeeland

Refinancing and change of zoning and permit

Loan € 110.000,=
Interest 7,0%
Repayment No repayment during term
Duration 5 years
Collateral 1st mortgage on OG with an LTV of 50%, pledging rental payments
Liability Private liability

North Brabant

Enterprise expansion

Loan € 200.000,=
Interest 7,75%
Repayment € 10,200 per year
Duration 5 years
Collateral 2nd mortgage on OG with 53% Loan to Value, pledge rental payments
Liability Private liability

Gelderland

Working Capital Financing

Loan € 750.000,=
Interest 7,50%
Repayment No repayment during term
Duration 36 months
Collateral 1st mortgage on property with a Loan To Value of 53%

Gelderland

Financing loan to grandchildren related to home purchase

Loan € 260.000,=
Interest 6,50%
Repayment No repayment during term
Duration 3 years
Collateral 1st mortgage on OG with an LTV of 33%, pledging rental payments
Liability Private liability

North Brabant

Home and business refinancing

Loan € 1,000,000 (split between 2 investors)
Interest 6,75%
Repayment First year redemption-free, thereafter €24,000 per year
Duration 5 years
Collateral 1st mortgage on rental property and private residence with an LTV of 53%, pledged rental deposits
Liability Private Liability

Gelderland

Financing housing for housing employees

Loan € 170.000,=
Interest 7,0%
Repayment No repayment during term
Duration 36 months
Collateral 1st mortgage OG with an LTV of 57%, pledging rental payments
Liability Private liability

North Brabant

Bridge funding for residential care residence development

Loan € 1.440.000,=
Interest 7,50%
Repayment No repayment during term
Duration 18 months
Collateral 1st mortgage OG with 72% Loan to Value, pledge rental payments
Liability Deposit

North Brabant

Financing lots for project development

Loan € 800.000,=
Interest 8,0%
Repayment No repayment during term
Duration 2 years
Collateral 1st mortgage on plot/ lots with an LTV of 73%
Liability Private liability

South Holland

Financing combination property hospitality and residential

Loan € 450.000,=
Interest 6,75%
Repayment €9,000 per year
Duration 5 years
Collateral 1st mortgage on OG with 65% LTV, pledge rental payments
Liability Private liability

North Brabant

Financing sustainability

Loan € 225.000,=
Interest 7,0%
Repayment No repayment during term
Duration 2 years
Collateral 1st mortgage on OG with 50% LTV, pledge rental payments
Liability Private liability

North Holland

Financing portfolio Residential Real Estate

Loan € 3.400.000,=
Interest 7,25%
Repayment No repayment during term
Duration 2 years
Collateral 1st mortgage on OG consisting of 5 leased properties, pledge rental payments
Liability Deposit

Central Brabant

Financing business property

Loan € 1.700.000,=
Interest 8,0%
Repayment €100,000.= per year
Duration 3 years
Collateral 1st mortgage on OG with 73% Loan To Value
Liability Deposit

North Brabant

Financing real estate for the purpose of redevelopment

Loan € 270.000,=
Interest 7,75%
Repayment €10,800 per year
Duration 3 years
Collateral 1st mortgage on OG with a Loan to Value of 92%, pledging rental payments
Liability Deposit

Utrecht

Financing company home with business premises

Loan € 310.000,=
Interest 6,75%
Repayment €8,400 per year
Duration 5 years
Collateral 1st mortgage on OG with an LTV of 48.4%, pledge of rental payments
Liability Bail

North Holland

Financing business property

Loan € 630.000,=
Interest 7,00%
Repayment € 30,000 per year
Duration 3 years
Collateral 1st mortgage on commercial property with 70% LTV, pledge rental payments
Liability Deposit

North Holland

Financing retail

Loan € 2,650,000 (divided among 4 investors)
Interest 6,25%
Repayment € 30,000 per year
Duration 3 years
Collateral 1st mortgage on property with 70% Loan to Value, pledge rental payments
Liability Private liability

South Holland

Financing business units

Loan € 275.000,=
Interest 7,0%
Repayment € 12,000 per year
Duration 5 years
Collateral 1st mortgage OG with 76% Loan to Value, pledge rental payments
Liability Joint and several liability

Twente

Project Funding

Loan € 500.000,=
Interest 8,0%
Repayment No repayment during term
Duration Maximum 13 months
Collateral 1st mortgage OG and 2nd mortgage on both private residences debtors
Liability Private liability

South Holland

Financing business property

Loan € 1.225.000,=
Interest 6,25 %
Repayment € 60,000 per year
Duration 5 years
Collateral 1st mortgage on business property with 50% Loan to Value

North Brabant

Refinancing flower farm/storage areas

Loan € 200.000,-
Interest 6,75%
Repayment € 12,000 per year
Duration 5 years
Collateral 1st mortgage on OG with 28% Loan to Value

Gelderland

Financing goat farm

Loan € 600.000,=
Interest 6,0%
Repayment € 36,000 per year
Duration 5 years
Collateral 2nd mortgage
Liability Real estate

North Brabant

Financing rental property

Loan € 240.000,=
Interest 6,25%
Repayment € 12,000 per year
Duration 3 years
Collateral 1st mortgage OG with 74% Loan to Value

South Holland

Financing Burger King

Loan € 1,700,000 (divided among 3 investors)
Interest 5,25%
Repayment € 55,000 per year
Duration 5 years
Collateral 1st mortgage 73% Loan to Value, pledge rental payments

Noor

Financing enterprise

Loan € 650.000
Interest 6,50%
Repayment € 15,000 per year
Duration 5 years
Collateral 1st mortgage on commercial OG, 54% LTV
Liability Pledged inventories, receivables and inventory

North Brabant

Financing caravan storage and storage units

Loan € 750.000,=
Interest 6.00% per year
Repayment € 24,000 per year
Duration 5 years
Collateral 1st mortgage leased property with 50% LTV, pledge rental payments

Utrecht

Financing working capital

Loan 500.000,=
Interest 7,5 %
Repayment No
Duration 3 years
Collateral 1st mortgage on private residence
Liability Bail 100%

The Hague

Financing business premises

Loan 1.450.000,=
Interest 5,25%
Repayment No
Duration 5 years
Collateral 1st mortgage on commercial properties and apartments with 72.5% Loan To Value, Pledged rental deposits

Emmen

Refinancing company

Loan 700.000,=
Interest 6,75%
Repayment 36,000.= per year
Duration 5 years
Collateral 1st mortgage on OG with 85% Loan to Value
Liability Bail 25%

Central Brabant

Financing trading company

Loan 500.000,=
Interest 9,00%
Repayment No
Duration 1 year
Collateral 1st pledge of accounts receivable, inventories, inventory and machinery
Liability Joint and several liability

Rotterdam

Financing residential shopping property

Loan € 550.000,=
Interest 5,50%
Repayment 12,000.= per year
Duration 5 years
Collateral 1st mortgage on retail property with 6 apartments with 67% Loan To Value
Liability Private liability

Northern Limburg

Financing purchase of assets from bankruptcy

Loan € 4.500.000,=
Interest 8,75%
Repayment No
Duration 2 years
Collateral 1st mortgage on OG with 60% Loan To Value
Liability Private Liability

Sint-Oedenrode

Financing hospitality property

Loan € 350.000,=
Interest 6,00%
Repayment € 1,000 per month
Duration 5 years
Collateral 1st mortgage on hospitality property with 58% LTV, Pledged rental deposits
Liability Private liability

Breda

Financing farmland

Loan € 725.000,=
Interest 5,50%
Repayment No
Duration 5 years
Collateral 1st mortgage with 40% Loan To Value
Liability Private liability

Nijmegen

Financing loan to PH

Loan € 850.000,=
Interest 6,50%
Repayment No
Duration 18 months
Collateral 1st mortgage on private home with 31% LTV
Liability Private liability

Noordwijk

Financing business property

Loan € 360.000,=
Interest 5,50%
Repayment €15,000 per year
Duration 5 years
Collateral 1st mortgage with 80% Loan To Value
Liability Private liability

Amsterdam

Financing storefront

Loan € 1.200.000,=
Interest 6,00%
Repayment €50,000 per year
Duration 5 years
Collateral 1st mortgage with 60% Loan To Value
Liability Private liability

Kerkrade

Commercial building + apartments

Loan € 900.000,=
Interest 6,50%
Repayment €30,000 per year
Duration 5 years
Collateral 1st mortgage with 55% Loan To Value
Liability Private liability

Den Bosch

Financing business acquisition

Loan € 260.000,=
Interest 8,5%
Repayment € 52,000 per year
Duration 5 years
Collateral Pledged accounts receivable, machinery and inventory

Eindhoven

Commercial building with apartment

Loan € 400.000,=
Interest 5,75%
Repayment No
Duration 1 year
Collateral 1st mortgage with 75% Loan To Value
Liability Borgtoch 25%

Schijndel

Financing business property

Loan € 1.260.000,=
Interest 6,00%
Repayment € 50,000 per year
Duration 5 years
Collateral 1st mortgage with 70% Loan To Value
Liability Private liability

Interested in a no-obligation introduction to WDL Kredietfondsen?

Contact Maykel Hermanussen at 06 57 26 38 44.

Or mail Maykel
Maykel Hermanussen
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