Financing for businesses or real estate investments
Because opportunities often exist
Many entrepreneurs have their affairs in order but can't secure a loan. WDL Kredietfondsen helps find financial solutions.
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
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
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
Commercial real estate
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 |
Commercial real estate
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 |
Commercial real estate
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 |
Project Development
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 |
Project Development
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 |
Project Development
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 |
Project Development
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 |
Agricultural
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 |
Commercial real estate
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 |
Recreation
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 |
Retail
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 |
Wholesale
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 |
Commercial real estate
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 |
Hospitality
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 |
Watersports
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 |
Agricultural
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 |
Commercial real estate
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 |
Commercial real estate
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 |
Commercial real estate
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 |
Retail
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 |
Commercial real estate
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 |
Commercial real estate
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 |
Commercial real estate
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 |
Commercial real estate
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 |
Production company
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 |
Wholesale
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 |
Hospitality
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 |
Project Support
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 |
Posting
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 |
Commercial real estate
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 |
Commercial real estate
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 |
Healthcare
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 |
Animal Clinic
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 |
Mechanical Engineering
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% |
Commercial real estate
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 |
Commercial real estate
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 |
Handyman
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 |
Project development
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 |
Commercial real estate
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 |
Commercial real estate
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 |
Commercial real estate
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 |
Commercial real estate
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 |
Agricultural
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 |
Commercial real estate
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 |
Commercial real estate
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 |
Moving industry
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 |
Commercial real estate
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 |
Commercial real estate
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 |
Commercial real estate
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 |
International trading company
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 |
Agricultural
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 |
Agricultural
Gelderland
Financing goat farm
| Loan | € 600.000,= |
| Interest | 6,0% |
| Repayment | € 36,000 per year |
| Duration | 5 years |
| Collateral | 2nd mortgage |
| Liability | Real estate |
Commercial 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 |
Commercial real estate
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 |
Sales and installation of blinds
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 |
Commercial real estate
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 |
Solar energy
Utrecht
Financing working capital
| Loan | 500.000,= |
| Interest | 7,5 % |
| Repayment | No |
| Duration | 3 years |
| Collateral | 1st mortgage on private residence |
| Liability | Bail 100% |
Commercial real estate
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 |
Hospitality
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% |
Agricultural
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 |
Commercial real estate
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 |
Project development
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 |
Commercial real estate
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 |
Agricultural
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 |
Staffing industry
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 |
Healthcare
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 |
Commercial real estate
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 |
Commercial real estate
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 |
Measurement and control equipment
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 |
Commercial real estate
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% |
Commercial real estate
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
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