Community lending

Lend to the
community.
Make it possible.

Lusthaven raises private loans from people who believe in what we're building.
Not equity, not a donation — a straightforward loan at a fixed rate, secured against the property and repaid over time.
Lenders who wish to be part of the story are welcomed as our Pillars.

Make a pledge How it works
Terms at a glance

Simple, transparent terms

No complexity. No hidden conditions.
You'll receive the full loan agreement to review before anything is committed.

4%
Annual interest
Gross, fixed for the life of the loan.
€500
Minimum loan
No maximum. Loans of any size above €500 are welcome.
10 yr
Loan term
Three-year grace period, then straight-line repayment over seven years.
⚖️
Notarial escrow
Funds are held in notarial escrow until the acquisition completes. If the purchase doesn't proceed, funds are returned in full.
🎟
Event credits
Lenders may opt to receive event credits instead of cash interest.
🔒
Negative pledge
The cooperative cannot mortgage the property without the consent of lenders holding the majority of outstanding principal.
The process

How lending works

The process is straightforward. A pledge is not a commitment — it's an expression of interest.
Nothing is signed or transferred until the funding threshold is reached and the property is ready to proceed.

  1. 01
    Make a pledge
    Tell us how much you'd like to lend. No commitment — just a signal of intent.
  2. 02
    Funding threshold reached
    Once pledges reach our target, we move to formal agreements. You'll receive the full loan terms to review before signing.
  3. 03
    Notarial escrow
    Funds are transferred to a notarial escrow account and held safely until the acquisition completes.
  4. 04
    Acquisition completes
    On completion, funds are released to the cooperative. Your loan begins, interest starts accruing, and you join the community of lenders — our Pillars.

Pledges so far

€0
of €2,800,000 target
— lenders
Minimum threshold €2.5M
Target €2.8M
—

Ready to lend?

Tell us how much you'd like to contribute. We'll send you the full information pack and next steps.
A pledge is not a commitment — it simply helps us understand the scale of support.

Register a pledge Request information pack
Questions

Frequently asked

Important: This page is for information purposes only and does not constitute an offer of a financial instrument or an invitation to invest.
Lending to a cooperative carries risk, including the risk of not recovering all or part of your loan.
Prospective lenders should read the full loan documentation before committing and seek independent financial advice if needed.
Final legal wording will be reviewed by Belgian counsel before launch.