Mogelijk Vastgoedfinancieringen

What Mogelijk Vastgoedfinancieringen does

Mogelijk Vastgoedfinancieringen B.V. is a Dutch non-bank alternative lending platform founded in 2016 in Breukelen that connects entrepreneurs and real-estate investors seeking commercial property financing with private investors seeking collateral-backed returns. The platform serves primary markets of the Netherlands, Belgium, Germany, Curaçao, and Bonaire, and to date has facilitated €3,035,221,154 in financing across 9,919 properties, with a published customer satisfaction score of 8.4/10 across 1,236 reviews. Its underwriting approach deliberately weights property value over borrower financial history, enabling financings that traditional banks routinely decline (e.g., churches, marinas, agricultural land, office-to-residential conversions, startup use cases).

The technology stack centers on a proprietary digital lending platform with a "quickscan" self-assessment tool producing indicative financing capacity within two business days, a separate investor-facing mobile application for portfolio management, and process integrations with licensed payment provider GoCredible (AFM-mandated payment isolation) and identity verification vendor Onfido. Distribution operates through four channels: a direct self-service portal, an intermediary portal for financial advisors (notably the Credion network), the Mogelijk Zakelijke Hypotheken Fonds (collective fund), and institutional funding lines for tickets ≥ €250,000.

Mogelijk generates revenue through a multi-stream model: the interest spread between what investors earn (~6.05%) and what borrowers pay (from 6.75%-7.75% depending on product line), an origination commission paid via the notary at mortgage deed signing, and recurring CPI-indexed monthly administration fees subject to 21% VAT. Product breadth covers the Ondernemershypotheek (entrepreneur mortgage), Verhuurhypotheek (rental mortgage), specialized Caribbean, agricultural, and project-development products, plus the newer Fonds 20 with a €25,000 minimum. Leadership includes CEO Folkert Eggink alongside founders Maarten Rövekamp and Annemieke Rövekamp-Schoonderwoerd.

Name

Mogelijk Vastgoedfinancieringen

Legal name

Mogelijk Vastgoedfinancieringen

Website

https://mogelijk.nl

Company type

Private

Founded year

2016

Operating status

Operating

Headcount range

101–250 employees

Short description

Mogelijk Vastgoedfinancieringen is a Dutch non-bank alternative lending platform that connects SMB entrepreneurs and real-estate investors seeking commercial property financing with private investors across the Netherlands, Belgium, Germany, and the Caribbean.

Ownership category

akta.pro rank

Product category

Commercial Real Estate Lending

NAICS

Real Estate Credit (522292), Mortgage and Nonmortgage Loan Brokers (52231), Funds, Trusts, and Other Financial Vehicles (525)

SIC

Mortgage Bankers & Loan Correspondents (6162), Loan Brokers (6163)

akta.pro primary industry

SME Commercial Real Estate (CRE) Lending (FSABABAG)

akta.pro secondary industries

Direct Lending — Specialty Finance (Consumer/SME Lending Platforms) (FSAHAJAF), SME Term Loans & Growth Capital (FSAKAGAB)

Keywords

• Commercial real estate lending
• Business mortgage financing
• Private investor matching
• Collateral-based lending
• Alternative property financing

Headquarters

HQ city

Breukelen

HQ country

Netherlands

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Technology or R&D, Marketing or Sales, Operations, Infrastructure

Revenue model

1. Interest Spread: Mogelijk earns revenue through the spread between interest rates paid by borrowers and returns received by investors. For example, investors may receive 6.05% while borrowers pay 6.75%. The company connects borrowers with private investors through direct financing or fund structures.
2. Origination Fee (Afsluitprovisie): One-time origination commission charged when a mortgage is finalized. This fee is exempt from VAT and is paid via the notary at the signing of the mortgage deed. Rates vary by financing line.
3. Administration Fee (Administratiekosten): Monthly administration fees charged alongside interest and principal payments. These fees are indexed annually according to CPI all expenditures and include 21% VAT.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels8 records

Core offering

Mogelijk Vastgoedfinancieringen is a non-banking alternative financing platform that connects entrepreneurs and SMBs seeking commercial real estate financing with private investors. The company originates business mortgages (starting from €50,000, up to 75% LTV) on commercial, rental, agricultural, and development properties, then matches these loans with individual investors through direct financing, fund structures (Mogelijk Zakelijke Hypotheken Fonds), or institutional funding lines. Decisions are provided within 2 business days, with the platform focusing on property value rather than borrower financial history.

Product overview

Mogelijk Vastgoedfinancieringen operates as a non-banking commercial real estate financing platform that connects entrepreneurs seeking property financing with private investors. The core offering consists of the Ondernemershypotheek (Entrepreneur Mortgage) and Verhuurhypotheek (Rental Mortgage) as primary products, supplemented by specialized products including Hypotheek Curaçao & Bonaire for Caribbean properties, Landbouwgrond Financiering for agricultural land, Bedrijfswoning Financiering for business residences, and Projectfinanciering for developers. The platform offers three financing structures: Rechtstreekse Financiering (direct platform-based financing), Mogelijk Zakelijke Hypotheken Fonds (fund-based investing), and Institutionele Financiering (institutional funding for larger loans). Investors can participate through direct financing, fund investment via Fondsbeleggen, or the Mogelijk App for portfolio management. The company facilitates financing starting from €50,000 with loan-to-value ratios up to 75% and terms ranging from 6 months to 30 years.

Differentiator

Problem solved

Functional benefit

Brands

• Ondernemershypotheek: Entrepreneur mortgage product for business owners financing commercial real estate for their own use
• Verhuurhypotheek
• Mogelijk Zakelijke Hypotheken Fonds
• Fonds 20
• De Mogelijk App

Products and services

• Ondernemershypotheek (Entrepreneur Mortgage) Primary business mortgage product for entrepreneurs financing commercial real estate for own use or rental purposes, starting from €50,000 with interest from 6.75%, maximum LTV of 75%, minimum own contribution of 25%, and no tax report required. Designed for SMB owners and self-employed professionals seeking fast financing decisions within 2 business days.
• Verhuurhypotheek (Rental Mortgage) Rental mortgage designed for property investors financing residential or commercial properties for rental income, with favorable conditions for landlords. Includes a mandatory appraisal report via Mogelijk's curated appraiser network and published interest rate overview.
• Hypotheek Curaçao & Bonaire Specialized mortgage product for financing recreational properties on the Caribbean islands of Curaçao and Bonaire, extending Mogelijk's commercial real estate financing beyond the European markets.
• Bring Your Own Service allowing borrowers to transfer existing mortgages to Mogelijk's platform, enabling them to benefit from Mogelijk's financing conditions and investor base.
• Zakelijke Hypotheek (Business Mortgage) General business mortgage product offered by Mogelijk for financing commercial real estate, starting from €50,000, available for commercial, hospitality, and retail properties. Includes financing for acquisition, transformation, or sustainability improvements of commercial buildings.
• Landbouwgrond Financiering (Agricultural Land Financing) Agricultural mortgage for financing farmland and agricultural properties, also available for entrepreneurs wanting to lease land commercially. Serves niche agricultural business financing needs typically underserved by traditional banks.
• Bedrijfswoning Financiering (Business Residence Financing) Financing product for business owners to finance residential properties attached to or part of their business operations.
• Projectfinanciering (Project Financing) Financing solutions for project developers undertaking real estate development, new construction, office-to-residential conversion, or brownfield redevelopment projects. Includes construction deposit facilities for both land acquisition and construction phases.
• Mogelijk Zakelijke Hypotheken Fonds Investment fund through which multiple investors collectively finance commercial mortgages, managed by the fund manager with portfolio-level LTV of 65%. Provides investors with diversified exposure to commercial mortgage portfolio with interest from 7.25%.
• Institutionele Financiering (Institutional Financing) Financing option with lower interest rates (from 6.75%) available for larger loans starting from €250,000, suitable for office, logistics, and retail properties. Features 5-year fixed interest rate periods, maximum LTV of 60-70%, and minimum own contribution of 30%. Early repayment incurs interest and repayment fee.
• Rechtstreekse Financiering (Direct Financing) Direct financing model where a single private investor finances a specific commercial mortgage through Mogelijk's platform. Minimum loan €50,000 with interest from 7.75%, maximum LTV 65%, terms from 6 months, amortization to 50% LTV based on 20 years, and penalty-free extra repayment available.

Quantifiable outcome

• Total financing facilitated: €3,035,221,154 across 9,919 properties
• +2 more outcomes

Named customers16 records

Segments6 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Five partnerships are on record, tiered core and minor.

• GoCrediblecoreTechnology or IntegrationGoCredible is a licensed payment service provider that handles all payment flows between borrowers and investors. This partnership is mandated by the Authority for Financial Markets (AFM) and provides additional security by separating money flows from Mogelijk's business operations. The payment provider performs additional checks to prevent fraud and ensures complete shielding of fund flows.
• Collin CrowdfundminorGTM or Marketing PartnerCollaboration with Collin Crowdfund enables stacking of financing sources. When clients cannot secure full financing through Mogelijk alone, Collin Crowdfund can provide additional capital through crowdfunding. This partnership enables complex transactions requiring multiple funding sources.
• CredioncoreChannel Partner/ Reseller/ DistributorCredion is a network of financial advisors who specialize in business financing. They actively refer clients to Mogelijk when traditional bank financing is not suitable. Multiple customer testimonials mention Credion advisors as the referral source.
• OnfidocoreTechnology or IntegrationOnfido provides digital identity verification services used during the loan application process. Applicants verify their identity through an Onfido link as part of the standard onboarding procedure.
• Network of Appraisers (Taxateurs)minorOthersMogelijk maintains a curated list of appraisers that clients can use when a valuation report is required. For the Verhuurhypotheek and fund/institutional financing through the Ondernemershypotheek, an appraisal report is mandatory.

Scale indicators5 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Shawbrook Bank: UK specialist bank focused on SME and property-backed lending. Provides a benchmark for how a non-bank CRE lender can scale into a regulated balance-sheet institution — relevant for Mogelijk's institutional funding line strategy.
• Funding Circle: Listed UK SME lending platform that originated as a marketplace lender. Comparable business model of connecting SMB borrowers with institutional and retail capital, though broader in sector scope than Mogelijk's CRE focus.
• LendInvest: UK-based online platform for property lending and investing. Operates a similar marketplace model connecting property borrowers with retail and institutional investors, providing a broader incumbent benchmark for European online CRE lending.
• Together Financial: UK specialist lender focused on property-backed lending to borrowers underserved by mainstream banks. Comparable in its willingness to lend against non-standard property types and reliance on securitization/fund-based funding models.

Direct peers

• Assetz Capital: UK peer-to-peer platform with a strong property-backed lending book. Operates a similar marketplace model for property loans funded by retail investors — directly comparable in mechanics to Mogelijk's direct financing product.
• BridgeFund: Dutch non-bank lender providing short-term working capital and SME loans. Competes for the same bank-rejected Dutch SMB segment with an alternative-financing positioning similar to Mogelijk's value proposition.
• Collin Crowdfund: Dutch crowdfunding platform for SME and real estate financing. Direct competitor in the alternative SME lending space and an existing stacking partner of Mogelijk, with overlapping target market of borrowers rejected by traditional banks.

Regional players

• ROM InWest: Dutch regional development fund providing risk capital and financing to SMBs and real estate projects. Competes in the Dutch non-bank SME and CRE financing ecosystem, often alongside or in complement to Mogelijk's platform.
• Flinq: Dutch fintech offering invoice financing and working capital to SMBs. Adjacent in the alternative Dutch SME financing ecosystem though focused on receivables rather than CRE collateral.

Others

• Credion: Dutch network of independent financial advisors specializing in business financing. Functions as a major referral channel to Mogelijk but also advises clients on competing bank and non-bank products, making it a comparable channel participant in Dutch SME financing.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/Mogelijkvastgoedfinancieringen
• LinkedInlinkedin.com/company/mogelijk-bv

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Mogelijk Vastgoedfinancieringen