How does borrowing with Briqwise work?

Arrange your business mortgage without a bank

At Briqwise, we help entrepreneurs get a business mortgage easily and quickly. Our process is transparent, hassle-free and flexible terms. Within a few steps, you'll gain insight into your financing options, so you can quickly invest in your real estate project.
Apply for funding

Borrowing money for a business mortgage in 6 steps

Getting business real estate financing through Briqwise is easier than you think. With our step-by-step process, we guide you from start to finish, so that you can realize your financing without stress. Wondering how it works? Here are the five steps:
1
Submit a request
The adventure starts with submitting your application. You can easily do this via the registration form, where you fill in some basic information about yourself and the property. You will have this arranged in no time.
2
Property assessment
After your request has been received, we will start assessing the property. Our experts look at the value and potential of your property. This is an important step because it determines how much you can borrow. But don't worry, we'll keep you up to date all the time.
3
Approval
If the review is positive, your application will be approved.
4
Placement on the platform
We then place them on our platform. Here, investors can view your project and decide whether they want to invest. This makes our process unique and flexible, because we work with a broad network of investors.
5
Matching investor (s)
Now comes the exciting part: finding the right investors. Thanks to our platform and network, this is usually very fast. Investors see the potential in your real estate and want to contribute to your dream. Before you know it, your funding will be complete.
6
Payout
The final step is the payout. Once the investors have been found and everything has been arranged, you will be paid the necessary amount. Now you can finally get started with your real estate. And best of all? You have nothing to worry about.
With these six steps, Briqwise makes obtaining commercial real estate financing simple and clear. We'll guide you through every step, so you always know where you stand. Ready to get started? Submit your application today and take the first step!

Why a business mortgage via Briqwise?

Easy and fast application process

Briqwise's specialists have extensive experience in both the financial sector and the field of business. This means that you quickly know where you stand.

Real estate as the most important criterion

At Briqwise, we primarily assess business mortgage applications based on the value and potential of the property. This allows us to work more flexibly and in a more customer-oriented way, which leads to a higher chance of approval.

Flexible and affordable (starting at 6% interest)

As an entrepreneur, you will receive a proposal with attractive terms and an affordable interest rate. We adjust the interest rate of a bank-free business mortgage to the property and the entrepreneur's situation. Entrepreneurs who do business with Briqwise see this as realistic.

Entrepreneur talking

How do you arrange financing for your business premises?

Six years ago I started my own skin therapy practice. We were doing well – growing fast and needing extra space. So we started looking to buy a business premises with more room and as a pension provision.
Entrepreneur talking

I have space to do business again

As a hospitality entrepreneur, I paid for everything nicely for years, but when corona came, the bank wanted to get rid of me. Briqwise's attitude was completely different: “How can we help you?”
Entrepreneur talking

Briqwise helped me buy my business property

After working as an employee for a while, I had the opportunity to take over the company where I worked. I seized that opportunity with both hands. Since I was at the helm myself, the business has been going fast!
Entrepreneur talking

Financing that suits John's needs

After a successful (international) career, John (55) recently retired from employment and is currently working full-time for a foreign client on a self-employed basis.

FAQs

What are the requirements for a business mortgage?

Requirements may vary, but our team will guide you through the entire process and ensure that you meet all necessary conditions.

How much does it cost to invest with Briqwise?

The costs to invest are listed on the fees page of the Briqwise website.  

How does a real estate investment come about?

Via the website and by email, you can take an option for real estate financing or claim it.

You will then receive additional information about the entrepreneur and the real estate object will then be temporarily unavailable to others. This gives you enough time to decide whether to convert your option into a claim. If this is not the case, the financing of the property will be available to other investors again.

After a claim, you will receive an acceptance form from us with detailed information about the funding. After signing this, an appointment will be made with the notary and the financing will be concluded.

What should I do if I want to invest?

If you’re interested in attractive returns on a secure investment, please call us or register via the website.

How do I know which real estate properties I can invest in?

Our website features the latest options. Here, anyone can access general information about real estate properties and financing.

We will email investors additional information about properties (like appraisal reports) and buyers if the investor requests. It is also possible to meet a property buyer in person.

As an investor, can I liquidate my funds?

Yes, you can liquidate your funds, by transferring the financing and the related rights and obligations of the loan and mortgage deed to others. Briqwise can assist you with this.

What happens if property buyers don’t make payments on time?

If this situation occurs, investors will be informed asap. Since the monthly instalments are guaranteed by Briqwise, you will continue to receive payments.

Briqwise will take any (legal) steps required to collect the monthly payments and additional expenses. If the property buyer remains in default, Briqwise will have a mortgagee sale of the collateral. In this case investors receive their outstanding loan amount from the proceeds of the sale. If the proceeds are insufficient and a residual debt remains, the investor can claim the outstanding amount from the private wealth of the borrower.

When do property buyers have to repay the loan amount?

Property buyers have to repay the loan at the end of the loan term. Usually, each loan is repaid on linear basis during the term up to 50% of the (appraised) value of the real estate that was taken as the starting point for the financing.

What will be the duration of the financing?

Financing has been provided with terms ranging from six months to twenty years. Initially the borrower determines the term of the financing.  

What risks are involved in property investments?

The main risks in property investments for investors are not getting back the amount lent and not receiving monthly interest.

Briqwise limits these risks with guarantees that offer you a secure and responsible way to invest your money.

  • Loan amount: This risk is limited by first mortgage security which gives investors the right to sell the collateral (property) if a buyer fails to meet their obligations. It’s important that the proceeds of the sale be higher than the outstanding loan amount, which is why we strive for an LVR (Loan-to-Value ratio) of up to 75%. We place great importance on the assessments of the value of all properties on our website.
  • Monthly terms: This risk is limited by evaluating the qualifications of property buyers based on their track record and financials. By entering into a factoring agreement, Briqwise will ensure additional protection for payment of the monthly instalments – even if a property buyer does not fulfil its obligations.

 

How does joint investing work (Clubdeal)?

Certain properties are suitable for joint investing involving several investors via participation in a ‘Clubdeal’. You can sign up for a Clubdeal with investors you already know or ones you don’t.

For a Clubdeal, a minimum investment of $100,000 per investor is required.

The rights of investors with a Clubdeal are the same as the rights of an investor in a one-on-one deal.

Does our story appeal to you and are you curious about your options?

After we have received the requested information from you, we will promptly send you a sample financing proposal that gives you an idea of the monthly costs. While you're looking at that, we'll find out if you're eligible for financing.
Check your options