Property-backed business loans - when do they make sense?

How it differs from a bank loan

Banks weigh scoring, sector policy and long internal processes. A property-backed loan focuses on the asset: value, encumbrances, ability to register a mortgage and business logic. It is asset-based finance - the decision follows what can be secured and how the debt will be repaid.

Typical use cases

• short-term liquidity for contracts or seasonality,
• investment in growth, equipment or hiring,
• refinancing expensive debt,
• closing a deal while a bank timeline is too slow.

How the Hazel process works

We start with a short form and a call. A preliminary decision can come in as little as 2 hours. We then review financials, title and security structure - mortgage, art. 777 KPC enforcement statement and power of sale where needed. The agreement is executed before a notary and funds reach the company account once conditions are met.

Documents that speed things up

Company register extract, financial statements, valuation or appraisal, land register excerpt and a brief note on use of funds help most. You do not need everything on day one - we list gaps after the first conversation.

Risk and responsibility

A secured loan is a commitment to repay principal and interest. If payments fail, the lender may enforce collateral under the contract. We therefore stress honest project analysis: financing should support a viable repayment plan, not replace one.