DEBT

Ultimate Security...
Maximum Liquidity

Earn Debt (ED) Tokens represent fractional ownership of Senior, Junior, and Mezzanine real estate debt instruments. Individual shares are represented by ERC1400 security compliant tokens which can be traded on the Earn platform providing lenders with maximum liquidity.

Types of Debt

Senior DebtArrow Icon
Junior DebtArrow Icon
Mezzanine DebtArrow Icon

Senior debt is a project’s first tier of liabilities, typically secured by a lien against the project’s real estate assets (collateral). Senior debt is secured for a set interest rate and time period. The borrower provides regular principal and interest payments to lenders based on a preset schedule.

This makes the debt less risky, but also commands a lower return for lenders. If a borrower files for bankruptcy, senior debt claims are paid first. All other debt is subordinated. Collateral from asset-backed debts may be sold to pay off senior secured debt.

Loan Size
$1 - $50 Million
Term
2 - 10 years
Maximum Leverage
Up to 85% (multifamily), 85% (all others)
Rates
Starting from 5.25%
Guarantee
Non-Recourse
Funding
35 days or less
Loan Size
$1 - $50 Million
Term
2 - 10 years
Maximum Leverage
Up to 85% (multifamily), 85% (all others)
Rates
Starting from 5.25%
Guarantee
Non-Recourse
Funding
35 days or less
Loan Repayment
Powered By The Blockchain
Earn Debt Tokens are programmed with smart contract rules enabling automatic collection of debt payments from Sponsors, and the subsequent distribution of funds to token-holders.
Earn Loan Servicing is powered by a public Ethereum blockchain providing lenders with a secure, immutable record of all transactions and documents related to each loan.
Blockchain based Loan Servicing is also available as a standalone service available to lenders through the Earn platform.