Today, there are many good real estate projects that do not materialize due to the increasing demands of banks. Projects are no different – and in many cases no less secure – than competing companies for funding. Today, owners often have to contribute Double more capital than just a few years ago. This often translates into tens of millions of SEKs, even for smaller projects.
Obviously, there are companies with good equity, but our platform is also a good solution for them, depending on how they choose to work with the equity they have. For example, a company can manage several projects simultaneously – with the same capital requirement – by financing the remaining needs through the platform. This way, the overall profit increases over the same time period.
At the same time, it’s getting harder and harder for investors to find stable investments that you don’t have to be an expert to understand. Fees also seem to be increasing rapidly. By matching lenders with borrowers, the platform solves a number of challenges for both parties.
Loans on the platform are often different from many other offers because of the slightly higher risk. One of the reasons is that the requirements for borrowers are somewhat lower, especially because of the lower capital requirements.  On the other hand, published projects have higher requirements, especially in terms of guarantees provided.

The characteristics of different loans. Therefore, it is important for lenders to carefully read – and understand – the terms and conditions of the loan. A loan has one borrower or many lenders. The lender’s collective investments form the total loan amount. All lenders are entitled to any collateral or security attached to the loan.

The projects advertised on mucharaka.com involve high risk. Project owners often come to us because they don’t have the equity that banks typically require for ongoing funding. Loans advertised on the platform involve risks that banks would not normally accept. This is also why calculated returns are often significantly higher than other investments.

People who are unfamiliar with investing in real estate and don’t feel the risk should always ask their financial advisor or similar before investing – otherwise, refrain from investing. The degree of risk in projects varies, so it is often a good idea to lend a smaller amount to multiple projects and spread the risk. Lenders should be aware that a loan always comes with risk and that all or part of a loan portfolio can be lost.