Propose a Property Project

We are currently selecting structured property operations through the ePat.me pilot program.

If you have a viable property project requiring financing, you may submit it for review.

ePat.me structures property financing through dedicated SPVs project combining :

- investor capital ;
- property operators.

Submit a Pilot Project Discuss a project first

Who can apply

This pilot program is open to selected project leaders able to present a credible operation and a coherent financing need.

Property Operators

Real-estate professionals with an income-generating or value-add property project.

Property Developers

Small or mid-sized development or refurbishment projects with clear financing needs (timeline, budget and structure)

Private individuals

Individuals with a viable property project and satisfactory guarantees, including income-generating or transitional operations.

The objective is to structure investor-backed SPV financing rather than traditional bank lending.

What we look for

Not every project is suitable for a pilot financing structure.

Priority is given to operations that can be clearly assessed, structured and monitored.

Submit a Pilot Project
A viable project

A coherent property strategy, realistic budget and credible business case.

Clear guarantees

Adequate collateral, repayment visibility or downside protection mechanisms. 

Execution visibility

Identified operator, timeline, documentation and operational responsibilities. 

Structured cash-flow or exit

Rental income, refinancing, resale or another clearly defined repayment scenario.

Typical pilot SPV operation formats

Examples of structures that may fit the pilot scope :

Rental bridge loan

Short- to medium-term financing for an income-generating property pending refinancing or stabilisation.

Value-add repositioning

Refurbishment or repositioning projects with a clear business plan and defined exit path.

Income-generating rental

Stabilised or near-stabilised rental operations with recurring cash-flow visibility.

Example of a structured SPV operation :

Below is an illustrative example of the type of standardised operation profile that may ultimately be prepared for distribution. Final terms depend on the project, structuring outcome, guarantees and regulatory context.

- SPV structure : Debt model 
- ​Type : Income-generating rental bridge loan (flatshare)
- Location : Paris, France
- ​Gross financing need : 18 500 € (first month of rent, deposit, furniture and ​​preparation works)
- ​Total SPV funding : 23 000 € (​​including 3k€ ​releasable reserve and structuring costs)
- Token unit price : 50 € or 460 tokens

- Loan rate : 5,50% (for the Borrower)
- Corresponding net annual investor yield : 4,40% (before personal taxation)

- Positive monthly cash flow for the Borrower : up to 450€ from month 2 (after all cost and loan repayment)
- No / 0€ deposit 

- Duration horizon : 24 months
- Liquidity : from month 1 via loan repayment and secondary market
- ​Debt-Service Coverage Ratio (DSCR) : 1,4 (conservative)
- Confidence level on Operator & Operation : 4,1 / ​5 (safest)

Example of a flatshare pilot SPV :
Detailed documentation Example of a flatshare pilot SPV :
Key figures

Examples of structures that may fit the pilot scope :

Rental bridge loan

Short- to medium-term financing for an income-generating property pending refinancing or stabilisation.

Value-add repositioning

Refurbishment or repositioning projects with a clear business plan and defined exit path.

Income-generating rental

Stabilised or near-stabilised rental operations with recurring cash-flow visibility.

Example of a structured SPV operation :

Below is an illustrative example of the type of standardised operation profile that may ultimately be prepared for distribution. Final terms depend on the project, structuring outcome, guarantees and regulatory context.

- SPV structure : Debt model 
- ​Type : Income-generating rental bridge loan (flatshare)
- Location : Paris, France
- ​Gross financing need : 18 500 € (first month of rent, deposit, furniture and ​​preparation works)
- ​Total SPV funding : 23 000 € (​​including 3k€ ​releasable reserve and structuring costs)
- Token unit price : 50 € or 460 tokens

- Loan rate : 5,50% (for the Borrower)
- Corresponding net annual investor yield : 4,40% (before personal taxation)

- Positive monthly cash flow for the Borrower : up to 450€ from month 2 (after all cost and loan repayment)
- No / 0€ deposit 

- Duration horizon : 24 months
- Liquidity : from month 1 via loan repayment and secondary market
- ​Debt-Service Coverage Ratio (DSCR) : 1,4 (conservative)
- Confidence level on Operator & Operation : 4,1 / ​5 (safest)

How pilot projects are selected

A selective and structured review process, from first contact to possible listing preparation.

Submit a Pilot Project
1
Initial review

We review the project scope, financing need, guarantees and general viability.

2
Structuring assessment

If relevant, the legal, financial and SPV framework is assessed to determine whether the operation can be structured.

3
Documentation phase

Selected projects may be asked to provide additional data, supporting documents and operational details.

4
Pilot selection

A limited number of transactions may be retained for pilot preparation and future platform distribution.

5
Distribution and financing

If selected, the operation is presented in a standardised listing format. And the property project is distributed online to investors.

How the pilot process works (lifecyle)

Examples of ​"Debt" SPV pilot : tokenized micro-credit financing rental operations :

Yield / intere​st repayments

(​Rental)
Incomes

Investors

purchase tokens

SPV (Tokenized Debt Vehicle)

Operator runs the operation

Property (rental) acquisition

Property Operator

acquisition, refurbishment, preparation works & furniture, etc.

Interest income earning

Once the SPV is created, the Property Operator can :
- finance, launch and run the operation ;
- earn (rental) incomes ;
- repay the loan (capital and interest). 

Liquidity

From month 1, Tokens can :
- be sale on the secondary market directly or via a Token Agent (no guarantee) ;
- or scheduly buy back by the borrower through capital repayments (if opted in).

Exit and SPV termination

The SPV is meant to end at its scheduled date with all tokens bought back (or eventually extended with premium rate applicable)

Interest income earning

Once the SPV is created, the Property Operator can :
- finance, launch and run the operation ;
- earn (rental) incomes ;
- repay the loan (capital and interest). 

Liquidity

From month 1, Tokens can :
- be sale on the secondary market directly or via a Token Agent (no guarantee) ;
- or scheduly buy back by the borrower through capital repayments (if opted in).

Exit and SPV termination

The SPV is meant to end at its scheduled date with all tokens bought back (or eventually extended with premium rate applicable)

Debt financing (pilot) model

Short-term property financing

Pilot Debt SPVs typically finance projects lasting 6-24 months.

Eligible situations include:

- acquisition, preparation works & furniture in rental operations ;
- refurbishment or renovation works ;
- bridge financing before resale or refinancing ;
- cross-border property acquisitions ;
- co-financing alongside other lenders 

Borrowers may include operators or private individuals, provided the project is viable and supported by appropriate guarantees.

Debt SPVs typically generate fixed interest income for investors.

Submit a Pilot Project

Pilot program limits

During the pilot phase, only a limited number of projects will be reviewed in depth.

Priority will generally be given to operations that are :

- clearly documented,
- realistically financeable,
- backed by satisfactory guarantees,
- and located within priority launch markets. 

Submission does not guarantee ​selection, structuring, or listing.

What to prepare before submission

Project summary

A short description of the property, strategy and financing need.

Financial overview

Budget, target financing amount, expected income or exit plan.

Location and timeline

Property location, project calendar and expected duration.

Guarantees / support

Available guarantees, collateral, co-funding or supporting documents

Submit a property project

Tell us about your property operation. ​Selected submissions may be contacted for further review and documentation.

Upload a file
FileExample.pdf

Attach a short presentation, budget summary or property note (max 10 Mo)

Submit project
Submitted
Unable to submit your request. Please fill the mandatory field(s) or fix error(s) before trying again.

All submissions are treated confidentially during the initial review stage.
By submitting this form, you agree to be contacted regarding ​a new SPV project to be listed (typical first call: 15-30 minutes).

Upload a file
FileExample.pdf

Attach a short presentation, budget summary or property note (max 10 Mo)

Submit project
Submitted
Unable to submit your request. Please fill the mandatory field(s) or fix error(s) before trying again.

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