Investor instruments

The loan instrument is suited to private investors and family offices seeking a defined, property-secured return — not to investors requiring daily liquidity or equity upside.

The loan instrument suits private investors and family offices seeking a fixed-rate, asset-backed return. Minimum investment and ticket sizes are confirmed at the first conversation with HNordic.

A prospective loan instrument investor needs to know two things before booking a first conversation with HNordic: whether the instrument is accessible at a ticket size that matches their allocation, and whether their investment mandate fits the structure. Both are worth addressing before the Private Placement Memorandum conversation.

The typical investor profile

The loan instrument attracts private investors, family offices, and high-net-worth individuals whose mandate includes fixed-rate, asset-backed instruments in the 7–9% return range. Investors with experience in property-backed lending structures — bridging loans, mezzanine finance, property bonds, secured loan notes — will find the instrument familiar in structure if not in specific geography.

The key characteristics of the mandate for which this instrument is suited:

Illiquidity tolerance: the loan is repaid as a single bullet at exit (property sale or refinancing). Capital is locked in for the hold period; there is no mechanism for early redemption on request.
Fixed-return mandate: the loan earns 8.75% per annum, simple interest. There is no participation in capital gain above this fixed return. Investors whose mandate requires equity upside are not suited to the loan instrument.
Asset-backed preference: the return is secured by a pantbrev (registered Swedish property mortgage), share pledges, and an equipment charge. Investors familiar with secured property lending will recognise the structure.
Jurisdictional comfort: the security is registered in Sweden under Swedish law. Investors should be comfortable with, or willing to take legal advice on, the Swedish security and enforcement framework.

Who this instrument is not for

The loan instrument is not suited to:

Retail investors unfamiliar with illiquid, property-backed instruments — the risk profile and structural complexity require informed assessment
Investors requiring daily, weekly, or monthly liquidity — capital is deployed until exit
Investors seeking to participate in asset value creation above the fixed return — the equity partnership is the appropriate instrument for that mandate
Investors whose due diligence process cannot accommodate a Private Placement Memorandum review cycle — HNordic expects investors to review the full PPM before commitment

Minimum investment and ticket size

Contact HNordic directly to confirm the minimum investment and typical ticket size for current and upcoming opportunities. These are confirmed in the first conversation and documented in the Private Placement Memorandum. Minimum investments vary by instrument tranche and portfolio; they are not published on the site.

What the Private Placement Memorandum contains

The PPM is the definitive instrument document. It sets out:

The security package: pantbrev registration details, share pledge terms, equipment charge
The term sheet: interest rate (8.75% per annum, simple interest), accrual basis, repayment mechanism (bullet at exit)
The property schedules: specific assets in the portfolio, acquisition details, upgrade plans, exit horizons
Illustrative returns: modelled outcomes at the contracted rate over the expected hold period

The PPM is available to eligible investors after an initial conversation with Rune or Thomas.

Key takeaways

The loan instrument suits private investors and family offices seeking a defined, secured fixed return — not investors requiring liquidity or equity upside.
The return is 8.75% per annum, accruing daily, repaid as a single bullet at exit alongside all accrued interest.
Minimum investment is confirmed at first conversation; it varies by tranche and portfolio.
The instrument is not suitable for retail investors, investors requiring redemption on demand, or investors seeking capital gain participation.
The full PPM — security package, term sheet, property schedules, illustrative returns — is available after a first conversation with Rune or Thomas.

This page provides general information only and does not constitute financial, legal, or tax advice. Prospective investors should seek independent professional advice before making any investment decision.