Overview
NLI Bedrijfsleningen fonds II gives investors diversified exposure to the engine of the Dutch economy: loans to carefully selected, established Dutch SMEs. The fund is managed by NLInvesteert, the Barneveld-based platform that has organised over EUR 1.8 billion in SME financing since 2015.
Investment Strategy
The fund builds a portfolio of 60 to 80 business loans used for acquisitions, real estate, working capital and sustainability investments. Borrowers must have been operating for at least three years, with demonstrable profitability and healthy cash flow, and a minimum financing need of EUR 250,000. The fund targets a net return above 7% per year; the platform's funds have realised an average net return above 7% after costs.
Security
Loans are collateralised through first and second mortgages on real estate, pledges on other assets, and personal guarantees. Progress reports and consultations with the borrowing entrepreneurs take place at least twice a year, and some loans carry Dutch state guarantees via the BMKB scheme.
Structure and Terms
- Minimum investment EUR 100,000
- Term: 3+3 years - a reinvestment phase followed by a three-year distribution phase
- Interest paid monthly
- Diversification across 60-80 loans
Suitability
Aimed at investors seeking stable monthly income from collateralised Dutch SME lending, with direct impact on the regional economy. NLInvesteert is licensed by the AFM as a crowdfunding service provider under the EU ECSP regulation and is a member of Kifid.