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Floryn Beleggen
Key Statistics
Target Return
3.9%
Min. Investment
€100,000
Availability
Open for public
Structure
Fixed-rate loan agreement with Floryn MKB Financieringen III B.V. (unlisted)
Product Category
Open-end
Domicile
Netherlands
GP Type
Single
Liquidity Level
Medium (1-5 years)
Currencies
EUR
Investor Eligibility
Retail
Liquidity Options
Fixed terms of 3 months to 5 years
Highlights
Allocations
Investment Strategy
Industry Focus
Information about fund
Floryn Beleggen at a Glance
Floryn Beleggen is not a fund. Investors lend from EUR 100,000 to Floryn MKB Financieringen III B.V., the Floryn entity that owns a portfolio of loans and credit lines to Dutch SMEs, at a fixed rate for a term of three months to five years. All investors share pro rata in a first pledge over that portfolio, held for them by a security agent; there is no selection of individual loans. On 28 September 2026 the rates ranged from 3.90% for three months to 6.00% for five years. The product is outside AFM supervision.
Key Figures
Fixed Rate
3.90%-6.00%
3 months to 5 years, rates on 28 Sep 2026
Minimum
EUR 100,000
Split into parts of EUR 5,000
Outstanding Financing
EUR 196M
Consolidated, Q2 2026
Arrears >30 Days
2%
Share of portfolio, Q2 2026
Active Clients
4,001
Average financing EUR 49,000, Q2 2026
NatWest Facility
EUR 150M
Private securitisation arranged in 2025
Terms & Liquidity
| What the Investor Holds | Fixed-rate loan to Floryn MKB Financieringen III B.V.; not fund units, bonds or notes |
| Security | First pledge on SME receivables and related client security, held by a security agent; shared pro rata |
| Rates (28 Sep 2026) | 3 months 3.90% (one-off intro uplift to 4.20%), 6 months 4.25%, 1 year 4.60%, 2 years 4.95%, 3 years 5.25%, 4 years 5.55%, 5 years 6.00% |
| Interest Payment | Effective rate on 365 days with compounding; paid monthly, quarterly, annually or at maturity |
| Liquidity | Repaid at maturity; early repayment only on request against undisclosed penalty interest; not tradable |
| Eligibility | Private individuals and companies lending at least EUR 100,000, deemed professional market parties under art. 1:1 Wft |
| Supervision | Outside AFM supervision, no prospectus. Floryn B.V. is a DNB payment institution for account information services only |
Points to weigh. The investor lends to a single Floryn entity and carries its credit risk; the pledge does not remove the risk of loss. Floryn also funds itself through a EUR 150 million NatWest securitisation facility, and the public information does not explain how investor loans rank against that bank funding. Consolidated equity was EUR 12 million in mid-2025. The DNB licence covers account information services, not the investor loans, which are outside AFM supervision and need no prospectus. Portfolio figures are consolidated, and totals on Floryn's pages differ. Early repayment is discretionary and carries a penalty.
Deepdive & Related Funds
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