HOW IT WORKS
Four layers of legal protection.
Managed by an independent foundation.
We finance up to 85% of project costs. Each project has four forms of legal security — documented in the project dossier. Below you can read how that works in practice.
Every project its own entity, its own securities, its own terms and its own timeline.
First-ranking mortgage
Where appropriate a first-ranking mortgage is placed on the property — comparable to a bank's priority. On enforcement, the investor has first claim on the proceeds of the property.
A mortgage may be omitted if security is otherwise sufficiently covered; always check the project dossier.
Pledge on SPV shares
Shares in each project company (SPV) are pledged to the Bondholders' Interests Foundation. Cross-default is structurally excluded; in case of default the Foundation can intervene directly on behalf of all bondholders.
Pledges are recorded in notarial or private deeds; the Foundation holds the pledge for investors.
Pledge on intercompany loan
The loan between NXO Issuer and the project is pledged. This gives a direct claim on project cash flows — an extra layer of security on top of the pledge on the shares.
Pledge on proceeds
Rental income and sale proceeds are pledged to the investors. Future proceeds are in principle enforceable for the benefit of bondholders.
Escrow, wallet and transparency
We also structure payment flows and the platform for clarity and segregation of funds — alongside the four legal protections above.
Bondholders' Interests Foundation as security agent
An independent foundation acts as security agent on behalf of bondholders. It manages and monitors legal protections and can act for investors in case of default.
Money flows via escrow
Deposits flow through escrow: your money is only transferred to the project once funding is complete.
Invest via your wallet
You invest from your own environment on the platform with full visibility of bond returns and balance — transparent and traceable.
Protection of uninvested funds
Uninvested funds are strictly segregated on the payment provider's third-party accounts. NXO Capital has no free disposal of your balance on those accounts.
NXO co-invests
NXO invests its own capital in every project. We share the same economic interest in selection and execution.
Reinvest returns
You can choose to reinvest received returns in new projects, so your portfolio can grow — depending on available offerings and your choice.
Questions about security?
Do you have questions about our security structure or the protection of your investment? Feel free to get in touch. We are happy to explain it personally.
View projectsThis page is intended as a general explanation. The exact securities and priority are set out per project in the information document. It does not constitute legal or investment advice. Investing involves risks; you may lose (part of) your investment.