Overview
Apollo Lane Geldzeker is a fixed-rate lending product launched in early 2026 by Apollo Lane Investment Management B.V., the Amsterdam firm of entrepreneur-investor Pieter Schoen - co-founder of Nederlandse Energie Maatschappij and Dragons' Den panellist - and Diederik Ingen Housz. Investors lend money to Apollo Lane; the proceeds are invested through leading private investment funds in a broadly diversified portfolio of hundreds to thousands of medium-sized and large companies, roughly 70% in the United States and 30% in Europe. The portfolio's return forms the basis for the investor's fixed interest.
Interest rates
- EUR 125,000 - 250,000: 6.0% per year
- EUR 250,000 - 500,000: 6.25% per year
- EUR 500,000 - 1,000,000: 6.5% per year
- Above EUR 1,000,000: 6.5% plus a one-off 0.5% bonus after 12 months - effectively about 7% in the first year
Interest accrues daily and is paid out automatically every month.
Structure and Terms
- Minimum investment EUR 125,000; open to individuals and legal entities (BVs)
- No fixed maturity: the loan can be terminated in whole or in part at the end of each calendar quarter (partial redemption from EUR 100,000, with at least EUR 125,000 remaining)
- No participation or exit costs; a 2% charge applies only when terminating within the first 12 months
Security
Investors benefit from a first-ranking security right on the investment portfolio, supplemented by the Apollo Lane guarantee: the firm absorbs the first 10% of any losses with its own balance sheet before investor capital is affected.
Regulatory status and independent scrutiny
Apollo Lane Geldzeker operates outside the supervision of the AFM and DNB. The independent publication FiscAlert reviewed the product in August 2026 and flagged that the actual composition of the underlying portfolio is not disclosed, that the structure is unregulated, and that the layered fund construction makes costs and holdings hard to assess. Prospective investors should weigh the fixed-interest promise, quarterly liquidity and first-loss buffer against this limited transparency and the credit risk on Apollo Lane itself.
Suitability
Aimed at Dutch private investors and BVs seeking a fixed monthly income above savings rates, with quarterly flexibility, who understand and accept the risks of an unregulated lending product backed by private markets investments.
