Project Finance:
investing in the
future

Welcome to our world of Project finance where you can participate in interesting investment opportunities such as loans for management and real estate projects or business credits.

  • Substantial return – Project Finance might offer interesting opportunities to earn an attractive return on your capital.

  • Diversified portfolio – You can invest in a variety of projects.

  • Flexibility – You can choose which projects you want to invest in and which amounts. Your capital – your choices!

This is how it works

Take an opportunity to diversify your portfolio and achieve your financial goals.

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    Explore projects

    Explore the projects available on the platform. In this step, you identify projects that match your investment goals.
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    Invest

    After evaluating a project, it's time to choose how much you want to invest.
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    Follow up

    After you have invested in a project, you can follow its progress in your account. This means that you stay updated on the project's milestones until it is completed.
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    Get return

    See how your investment develops over time and get a return.
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Our projects

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Frequently asked questions

Below you will find frequently asked questions and answers related to Project Finance.

Not finding the question you're looking for? Here you will find more questions and answers!
 
  • Project Finance offers the opportunity to invest in different types of projects such as management and real estate projects or business loans. You can invest in projects separately or in conjunction with regular strategies on the platform.

    The terms such as minimum investment, term, fees, amortization and interest payment rate for each project vary and are stated in the project description.

    How do I invest in projects?

    1. Explore available projects.

    At the beginning of your investment journey, you can explore the available projects on the SaveLend platform or our website here. These projects can be in different sectors and have different goals. You can learn more about each project and its details before making your investment decision.

    2. Reserve the desired amount.

    When you find a project that interests you, you have the opportunity to reserve the amount that you want to invest. You get a 4-day reflection period for each project from when the reservation is made. This means that you can cancel your reservation during this period. This also gives you time to top up your depot with funds for the reservation. After the reflection period has passed, your reservation becomes binding.

    3. Deposit money for your investment in the project.

    After you have reserved the amount for your chosen project, it is time to deposit your investment funds in a depot dedicated to projects. We automatically create a special project depot for you in connection with the first reservation. That depot does not have an automated savings strategy, but it is where your project finance investments are kept.

    4. Get allocation.

    Credit shares are allocated to investors' deposits when the project is financed. Allocation takes place on a first-come, first-served basis. Therefore, it is important to have enough capital in your "Project Finance"-depot to enable your investment. Also, note that your investment may be less than your chosen amount if the project is oversubscribed.

    If you got an allocation, your credit share will be visible on your Holdings page shortly after the funding round for the project has closed.

    5. Follow up on the project's development.

    Once an investment has been completed, you have the opportunity to follow the project's development via the platform. This includes keeping you informed of the project's progress and results. We update the information about the projects on an ongoing basis.

    All significant changes are also communicated via e-mail.

    6. Get returns.

    Depending on the type and duration of your project, you can expect to receive a return on your investment when the project reaches its end or during the specified return period. This is the reward for your investment and can help you meet your financial goals.

    As the project depot does not have an active savings strategy, your return will not be automatically invested in other credits. But you can use the feature of automated transfers between depots to reinvest your returns and take advantage of the interest-on-interest effect.

  • SaveLend works continuously to identify interesting projects to offer our investors and we continuously present new opportunities on the platform and our website here.

    Unfortunately, it is not possible to determine in advance exactly when these projects will be available on the platform. To keep you informed about upcoming investment opportunities, we invite you to subscribe to our newsletter. By doing so, you will receive email notifications before we launch new projects.

  • All individuals and companies can invest in projects on SaveLend's platform. Project Finance is best suited to investors who want to make their own decisions about which real estate projects they want to invest in and investors who want to supplement the automatic savings at SaveLend with a project depot where you as an investor choose entirely yourself which projects you want to invest in.
  • The SaveLend platform offers its own risk rating model to provide investors with an assessment of individual real estate loans (hereinafter referred to as "projects") and their risk profile in comparison to other projects on the platform. By using SaveLend's risk classification model, investors can easily gain an understanding of the projects' potential risks and opportunities.

    The model analyzes and assesses each project based on various factors and criteria. By carefully reviewing the project's characteristics, such as cash flow, security, the contractor, capital structure and project stage, SaveLend (SBL Finans AB, which is a provider of crowdfunding services in SaveLend) can calculate risks for the project and assign a risk rating from A to E. If a project receives a risk rate of F, it gets rejected.

    The risk classification model is based on five criteria that are individually rated on a scale from 1 to 100. These ratings are then summed to obtain an aggregate scoring value for the project, which translates into a risk rating between A and E according to the table.

     

    A: Highest risk rate. Indicates a low risk that the borrower will not be able to meet its financial obligations.

    B: High risk rate but with a slightly higher risk level than A. Still considered low risk.

    C: Good risk rating, but with an increased risk compared to risk rating B. It is still considered a good credit rating, but not the highest level.

    D: Acceptable risk rating, but with a progressively increased risk compared to the above risk rates. The borrower may, for example, be more sensitive to economic fluctuations and an uncertain market.

    E: A higher credit risk compared to the above risk rates as the borrower is deemed to be more vulnerable to changes in economic conditions or industry-specific challenges.

    Lowest interest rate - the lowest rate you typically see for each risk rating. However, there may be exceptions depending on local market conditions, and sometimes you can find loans with both higher and lower interest rates.

    * "Lowest interest rate" is based on the reference interest rate STIBOR 90 days with a risk rating surcharge based on each individual risk rating. SaveLend reserves the right to change the lowest interest rate based on the company's view of the market and the outside world without being informed in advance.

    By always valuing underlying information in the same way, it gives investors the opportunity to make informed investment decisions and diversify their portfolio based on different risk profiles. In this way, investors can shape an investment strategy that suits their risk tolerance and goals. SaveLend strives to offer a transparent and reliable risk rating that promotes a responsible investment environment where investors can make well-informed decisions and understand the risks associated with each project.

    The model provides an overall assessment of the level of risk and serves as support for decision-making, but it does not constitute an absolute truth. Even if a project has a favorable risk rating, credit losses may occur, just as a project with a less favorable rating will not necessarily result in losses. Therefore, it is crucial that investors do not rely solely on the risk rating, but also conduct their own careful evaluations of the project's fundamentals as well as the business model, the team's skills, market trends and other relevant variables that may affect the project's success.