Frequently Asked Questions

If you have any questions or concerns, this is the place to find answers. We have carefully collected the most common questions and answers so that you can get a response quickly. Have a look around. We like to help you further. If you have any further questions, don’t hesitate to get in touch.


Pearl Capital is for investors who are striving for robust but safe returns from real estate, more specifically commercial mortgages. With our specialised focus on our commercial mortgage fund and extensive experience in the real estate and banking sectors, we are the preferred partner for anyone looking for a reliable investment and a 6% fixed net interest rate annually.

Pearl Capital is a central player in the world of real estate investments. Through our commercial mortgage fund, we facilitate safe, fixed returns for our investors. At the same time, we support real estate professionals and project developers by giving them access to the financing they need.

  • The opportunity to invest in the commercial mortgage fund with a 6% fixed net interest rate annually.
  • Commercial loans with real estate as collateral.
  • Participation from €100.000
  • Security and transparency
  • 6% net interest rate per year
  • Notarial contract
  • Personal contact

You can get loans from €250.000 to a maximum of €2.000.000 from Pearl Capital.
Investors can join the commercial mortgage fund with a contribution from €100.000.

No, Pearl Capital does not provide non-commercial mortgages. We focus solely on the commercial mortgage fund. This helps you spread your investment risk across multiple mortgage assets.

Lend money to Pearl Capital?

When you lend to Pearl Capital, you invest in the commercial mortgage fund – a robust and safe way to grow your capital. In return for your investment, you will receive an annual fixed net interest of 6%. Your investment is anchored by the first registration on the mortgage, with real estate as solid collateral.
The core benefits of investing in Pearl Capital are:

  • An attractive 6% fixed net interest rate annually.
  • Opportunity to invest from €100.000.
  • Quarterly distribution pay-outs.
  • Short 18-month term which can be renewed and subsequently cancelled every 6 months.

Choose security and healthy returns, choose Pearl Capital.

At Pearl Capital, the security of your investment is our primary concern. When you decide to invest, you can count on the following:
  • First registration on the mortgage across the entire portfolio.
  • Contract by notarial deed.
  • Personal liability of the borrower by private contract.
  • A team with years of experience in the real estate sector.
  • Additional securities tailored to your specific situation.
  • 6% fixed interest rate annually.

We would like to invite you for an introductory conversation to discuss your securities in person.

The initial investment term is 18 months. After this period, you have the opportunity to extend your investment. At the end of each term, you can choose to liquidate your investment with no additional cost.

Want to liquidate your investment before the end of the term? This is possible; the specific terms and conditions vary based on your individual situation. We are happy to discuss the possibilities in person.

If the borrower does not fulfil their obligations, the first registration on the mortgage is executed. In this case, the investor always has priority (the ‘first registration’) when it comes to repayment from the proceeds, even before authorities like the tax service.

You provide a loan to Pearl Capital’s commercial mortgage fund. With this fund, we finance the purchase, build, and renovation of commercial real estate projects.

The Pearl Capital commercial mortgage fund has an 18-month term. After this period, you can extend your investment.

Please get in touch to schedule a personal conversation. The conversation can take place at our office or over video call. We will translate your wishes into a written contract. Once approved, the investment can be arranged within a week, including notarial deed.


In principle, we finance loans from €250.000 for the purpose of purchasing, building, or renovating residential real estate, new developments, commercial premises, and offices. If you have specific requests that fall outside of this scope, don’t hesitate to contact us. We are always happy to discuss tailored solutions.

The required start capital varies based on several factors, including the type of project, your specific wishes, and your experience with investing. For detailed information and to discuss the possibilities, we invite you to get in touch directly.

Pearl Capital strives for efficiency, with a lead time of just one week from application to approval. The process starts with a personal conversation, during which we discuss the size of the loan and the conditions. After this meeting you will receive a proposal within 48 hours. The details are discussed further and once approved they are confirmed by notarial deed.

The quickest way to get a loan from Pearl Capital’s commercial mortgage fund is as follows:

  • Contact request: fill out the form or give us a call.
  • Personal conversation: we can plan a meeting within 48 hours, at our offices or online.
  • Drafting the contract: we will provide a carefully drafted contract with the details of your loan.
  • Notarial deed: once the contract is signed, it is confirmed by notarial deed.

Pearl Capital will charge a service cost for the establishment of the loan. The cost may vary per project. For specific information, we invite you to get in touch. We will be happy to discuss the details.

The Pearl Capital commercial mortgage fund offers more financial options than regular banks. We are considerably faster and more flexible than traditional banks, which are not always able or willing to meet your financing needs.

Yes, a building fund account is essential for many loan transactions. We have extensive experience with building fund accounts at Pearl Capital. Please get in touch for specific details.

The minimum loan at Pearl Capital is €250.000, while the maximum loan is €2.000.000.

Contact Paul

Paul has a rich professional background in both the real estate and financial sectors, with an impressive career spanning over a decade.

During this time, he has distinguished himself as an expert when it comes to investment strategies. His expertise also spans in-depth market trend analysis, capital allocation, and minimising financial risk.