Maisonflex
Technology and structuring platform — not a regulated entity. All regulated activities are carried out by licensed partners.Regulatory perimeter →
Strategic Investor

A platform position in European home equity.

We are raising a €3.5M seed round alongside a first-loss commitment from a strategic sponsor. The sponsor takes a meaningful equity stake in the platform and a senior position in the originating partnerships across Phase 1 markets.

Sponsor economics

A clear, structured position.

ComponentIndicative sizeNotes
Seed equity€3.5MPlatform build-out, regulatory framework, Phase 1 team
First-loss commitment€10–25MAnchored partner book across Phase 1 markets
Sponsor equity stakeNegotiatedMeaningful position with governance rights
Roll-outPhase 1 → Phase 3Spain and Netherlands → Belgium and Nordics → wider EU

Illustrative. Final terms subject to negotiation, diligence, and definitive documentation.

Use of proceeds

What the seed funds.

Platform engineering

Product, scoring, servicing, and data infrastructure for Phase 1 markets.

Regulatory framework

Jurisdictional structuring, partner contracts, and operating documentation.

Senior team build-out

Heads of product, capital markets, and partnerships.

Phase 1 origination

First partner integrations in Spain and the Netherlands.

Indicative returns

The economic shape of a Phase 1 portfolio.

The reference Phase 1 portfolio is 7,025 facilities of €100,000 each, generating €702.5M of annual origination per cohort. Indicative insurer-investor economics — the structural counterpart to the platform — sit as follows.

18.17%
Equity-tranche return
On 7.5% equity in a 5-portfolio programme, after 1% defaults.
8.78%
Insurer RORAC
Risk-adjusted return on capital across warehouse, equity, life, appreciation.
6.98%
Investment-book return
Blended return across the funding stack.
10 yrs
Asset life
Warehouse 1y · WAL 7.5y · appreciation event year 10.

Source: Maisonflex insurer RORAC analysis (Jun 2025). Indicative, based on stated assumptions; actual outcomes will depend on origination quality, HPI realisation, default experience, and funding conditions.

Roll-out

A phased European map.

Phase 1 · 2026

Spain · Netherlands

First partner banks, first warehouse line, first reporting cadence. ~188k SAM.

Phase 2 · 2027

Belgium · Nordics

Replicated framework; first term securitization. ~62k SAM.

Phase 3 · 2028 +

France · Germany · Iberia · CEE · Italy

Full pan-European footprint, multi-issuer programme. ~450k SAM.

Open the country-by-country opportunity map →
Next step

Request a briefing.

The full investor pack, including financial model, jurisdictional analysis, and team biographies, is shared under NDA following an introductory conversation.

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