Level 1
Lower risk
13%
Total return p.a.
- Max LTV
- 35%
- Interest
- 10% p.a.
Hazel Business Loans
Your capital, securely at work. Real estate-backed loans.
Invest in business loans secured by a mortgage on real estate. Estimated return of up to 17% p.a.
up to 0%
estimated annual return
from 0%
LTV - loan-to-value ratio
0%
defaulted loans
0%
mortgage-secured loans
Two paths
One company. Two sides of the same agreement.
Return calculator
See what your capital could earn.
PLN 100,000PLN 2,000,000
Estimated profit
PLN 65,000
- Total return
- PLN 565,000
- Annual rate
- 13%
Capital PLN 500,000Interest (10% p.a.) PLN 50,000 · Fee PLN 15,000
This simulation is for illustration only and is neither an offer nor a guarantee of profit. Results are before tax.
Let's discuss this investment
Investment levels
Choose your risk-to-return balance.
Interest is always 10% p.a. The difference comes from the arrangement fee - which depends only on the LTV level, not on the amount.
Level 2
Medium risk
15%
Total return p.a.
- Max LTV
- 50%
- Interest
- 10% p.a.
Level 3
Higher risk
17%
Total return p.a.
- Max LTV
- 60%
- Interest
- 10% p.a.
Security
Every loan is backed by real collateral.
Mortgage on real estate
Registered in the land register in favour of the investor. The property value well exceeds the loan amount.
Art. 777 enforcement clause
The borrower submits to enforcement in a notarial deed - no lengthy court proceedings.
Power of attorney to sell
An additional safeguard enabling an efficient sale of the property if the loan is not repaid.
Analysis before decision
We review the project, financial documents and legal status of the property before presenting it to investors.
How it works - investors
Five steps from first contact to capital return.
- 01
Contact
Leave your details and we'll schedule a short call about your expectations.
- 02
Project presentation
You receive a description of the loan, the property and collateral terms.
- 03
Notarised security
Agreement, mortgage and enforcement clause - all in a notarial deed.
- 04
Interest payouts
Interest and fee are paid to your account according to the agreed schedule.
- 05
Capital return
At the end of the loan term, your invested capital is returned.
Business path
Fast financing for businesses.
Preliminary decision in as little as 2 hours. Property-backed financing for growth, liquidity or refinancing.
- 01
Application
A short form - name, phone, email.
- 02
Preliminary decision
We assess your need and the property offered as collateral.
- 03
Meeting
We discuss terms and documents.
- 04
Notarial agreement
Signing the agreement and establishing collateral.
- 05
Payout
Funds are transferred to your company account.
About us
Experience in property-backed lending.
Hazel connects private investors with businesses that need fast, flexible financing. Behind Hazel is a team with years of experience in real estate analysis, private lending and transaction legal support.
Meet usFAQ
Frequently asked questions.
Hazel is a company specialising in real estate-secured financing. We help investors place capital securely in mortgage-backed loans, and give businesses and individuals fast financing secured on property.
The estimated total return ranges from about 13% to 17% p.a., depending on the LTV level. It consists of 10% annual interest plus an arrangement fee. This is an estimate, not a guarantee.
Each loan is secured by a mortgage on real estate, a notarial submission to enforcement (Art. 777 of the Polish Code of Civil Procedure) and a power of attorney to sell the property.
LTV (loan-to-value) is the ratio of the loan amount to the property value. The lower the LTV, the larger the collateral surplus over the loan.
Our calculator starts at PLN 100,000. Details are agreed individually during a call.
A preliminary decision can be made in as little as 2 hours. The full process, up to payout, depends on documents and the notary's availability.
Let's talk.
Leave your details - we'll call you back, usually within one business day.