Creditworthy companies that are registered with the Chamber of Commerce are eligible for a loan. Max Crowdfund also mediates loans for associations, cooperatives and foundations with a business purpose. The purpose of the loan is always related to property, either to develop, buy-to-let, buy-to-sell or bridging/temporary finance.

The following documents are required to assess your loan application:
- The most recent financial statement(s);
- Recent appraisal report by a recognised appraiser not older than 3 months;
- Extract of the Chamber of Commerce registration.
Additional documents may be requested depending on the specifics of your loan application.

Any loan is backed by a first or second mortgage on a least one property. The loan amount can be up to 90% of the market value with first or 70% with second mortgage. Depending on the execution value of the property, additional collateral in the form of a business or private guarantee may be required.

Your loan application is published on our platform for 30 days. If your loan application has not been fully subscribed by the end of this publication period, the Investment Committee may decide to extend the period once only for another 30 days. This is excluding a closed subscription period of 1-4 weeks during which only invitees (family, friends, business partners) are allowed to access and invest.

Your loan application will still be successful if at least the minimum loan amount has been reached. If that is not yet the case after the initial 30 days publication period, the Investment Committee may decide to extend the publication period only once. If the minimum has not been reached after the publication period, your loan application will be cancelled and any invested monies will be returned to the investors who subscribed.

In case the loan is fully subscribed, it will remain visible on the home page until the loan is activated. Once activited, the loan application can be viewed only via all investment opportunities page. Also when the loan application is cancelled during or after publication, it can be found on all investment opportunities page. Detailed status information will only be accessible to investors and fundraiser via their My MCF Account.

How much interest you will have to pay depends on the risks associated with the loan. A bandwidth for the interest to be paid is linked to each risk class. An optional profit share allows you to lower your fixed interest costs and still offer an interesting proposition to investors.

Once the cooling-off period has passed and at least the minimum amount is raised, predefined payment conditions are checked by Max Crowdfund. When all are met, the amount raised will be paid out minus the total amount (incl. VAT) from outstanding invoices for the success fee and optionally additional services. How this is paid is predefined in the loan agreement. For example partial payment can be to notary for purchasing a property and partial payment can be to fundraiser's bank account.

Yes, but only a full repayment of the outstanding loan amount is allowed. Please check the Fees Details page for applicable charges and interest bonus to be paid to investors. If you wish to make a partial repayment, you can request for a loan restructuring.

If unforeseen circumstances arise, preventing you from temporarily or structurally meeting your interest and repayment obligations, you should contact us. Together we will look for the best solution to maintain fulfilling your obligations to the investors and MCF. It may be that a revision of the loan conditions is the best solution for all parties.

Investors can invest in real estate backed loans from €100 or a multiple of this. NOTE that there is a 0.1% fee to make an investment. As such you need to ensure you add this 0.1% when making a transfer to ensure you can invest the amount you would like to invest, i.e. if you would like to invest €10,000, you need to transfer €10,010 to your account on Max Crowdfund.

Because of the regulations in the Netherlands:

• A maximum of €80,000 applies per individual investor in total investments made on Max Crowdfund.
• If you have a joined account this is doubled to €160,000.
• Company accounts as well as Qualified Investors have no limits.

Please note, that Max Crowdfund can optionally set a maximum for a single investment regardless of the above. 

You will be notified in case your investment(s) exceed(s) any limit.

On the Max Crowdfund platform you have your personal Max Crowdfund Current Account. You can top your Max Crowdfund Current Account up via various payment providers or by bank transfer. Provided your balance is sufficient, you can start investing in loan applications immediately. If you wish to make an investment, but you do not have sufficient money on your current account, you can invest up to a maximum of €50,000. The amount that is missing between the desired investment amount and your balance, can be added by using the payment providers. The maximum deposit amount allowed differs per payment provider, but is usually a maximum of € 50,000. If you supplement your balance via a bank transfer, please use the reference provided in the description with your payment. Please note processing your bank transfer may take more than a day, which may mean you miss out on the investment opportunity.

No. Investors must be over 18 and must have an approved account, meaning their Know Your Client (KYC) documentation needs to be submitted and approved and have a bank account linked to their account. Country-specific restrictions exist and certain nationalities may be prevented from participation in some investment products. This is to prevent money laundering, tax evasion and other illegal activities, in line with our commitment to regulatory compliance and transparency.

At the moment we only accept EURO for investing in real estate backed loans. We are aiming to accept all currencies, including crypto currencies, like we do for the Max Property Group Share Certificates, but this depends on the regulators.

By Dutch law you are allowed a 24 hour cooling-off period, which means you can either change or cancel your investment during this time without any fees charged. After the cooling-off period you cannot change or cancel your investment. You are still allowed to make a second investment. Multiple investments will be combined in one when a loan is finalised.

Yes, but you will need to have a joined bank account with your partner. If you have a joined bank account, you can request to register a joined account on Max Crowdfund. Once approved, the regulatory limit for investing will be doubled to €160,000.

You can only register a new bank account by making a bank transfer of any amount from that bank account. We only accept bank accounts that are held by you and are in your name.

If you only have one bank account registered, this will automatically be your preferred account. In case you have multiple accounts registered, you can select only one of those to be the preferred account. Funds in your Max Crowdfund Current Account that are not used for a period of more than 60 days will automatically be transferred to your preferred bank account.

When the fundraiser fails to meet their obligations to make periodic payments as defined in the loan agreement, Max Crowdfund will follow up. Periodic updates will be shared to inform investors about the status of the loan. To recover from default, measures like a change of terms can be proposed, but this requires the approval from a majority of all involved investors via online voting. In the worst case scenario the Max Crowdfund Security Agent will execute on the collateral for the loan and distribute the proceeds to the investors.

The real estate world is not particularly known for its transparency. The lack thereof can do harm to both real estate developers and investors. Max Crowdfund strives to achieve that transparency and believes that blockchain's Digital Ledger Technology (DLT) contributes to achieving that. Together with FIBREE and other key market players, we are contributing to the definition of the standards for representing property on blockchain.

You can buy MPG on our platform at a fixed rate as stated in our price list. You can also purchase MPG at variable market rates and for different currencies on various exchanges. Please check on CoinMarketCap.com on which exchanges MPG is listed and what the current prices are.

You can use MPG tokens to pay for certain services on our platform. For example a transaction fee charged when investing, opening a support ticket or voting for a charity is charged in MPG tokens. Also, the fundraiser is charged in MPG when creating an asset and transferring it to investors to represent a loan on the blockchain.

Besides paying with EUR you can also purchase MPG on our platform paying with crypto currencies AEUR, ARDR, BNB, BTC, IGNIS, ETH, BCH, LTC and NXT. Currency pairs offered by various exchanges vary. Please check on CoinMarketCap.com which exchanges have which currency pairs listed.