Business Manifesto

How we build a sustainable business that solves a real problem. Partnership and growth principles.

Market Opportunity

The generation born in the 1970s is the first that must solve retirement independently. Their most significant asset — their apartment — is "dead capital" locked in real estate.

2.1M
senior apartments in SK
€200K+
average apartment value
85%
mortgage-free ownership
€600
avg. pension/month
"Saving retirement for the 1970s generation" — this is not just a slogan, but a real opportunity to create a new market in a saturated housing and finance segment.

Business Principles

  • Blue Ocean Strategy
    We create a new market at the intersection of HEI (Home Equity Investment) and reverse mortgage. We don't compete with existing products — we define a new category.
  • Win-Win-Win Model
    The rentier gains income from their asset. The investor gets stable returns. The platform earns sustainable revenue. All parties benefit.
  • Long-term Value
    Average contract length is 27 years. We build relationships, not transactions. AUM grows naturally with the portfolio.
  • ESG as Foundation
    Category S (Social) — we solve a real societal problem. Strong CSR story for partners and investors.
  • Scalability
    SPV model, digital platform, white-label ready. Replicable across CEE and EU.

Financial Model

Parameter Value Description
Payout to rentier 75% of property value
Collateral ratio 133% value vs. investment
Expected yield 6-7% p.a. for investors
Property appreciation 5% p.a. conservative estimate
Avg. contract duration 27 rokov based on mortality tables
Earlypass guarantee 50% for heirs on early death

Partnership Model

For Banks and Financial Groups

New product for portfolio, cross-sell to existing clients, strong CSR story, stable AUM. Distribution through branch network with digital onboarding.

For Private Equity

First-mover advantage in CEE, long-term stable returns, real assets with 133% collateral, exit strategy through strategic partner or IPO.

For Pension Funds

Long-term, stable returns 6-7% p.a., real assets with low risk, ESG compatibility, ideal for matching long-term liabilities.

Market Expansion

Phase Market Timeframe
1 Slovakia (launch) 2025-2026
2 Czech Republic 2026
3 CEE expansion (PL, HU, HR) 2027+

Interested in Partnership?

We would be happy to discuss collaboration opportunities with you.

Contact Us

Living document • Last updated: December 2025 • v1.0