🏨 Featured Deal
Borgo Luxury Hotels
Tuscany · IRR 20-25%
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✨ Discover
200 Active Deals
€312M Total Volume
18,400+ Investors
16 Sectors
★ Featured · AI Score A+
Borgo Luxury Hotels
20-25%
Expected IRR
€2.5M
Target Raise
45%
Funded
✓ AI Verified · 226+ automated checks passed
Your Portfolio
Track performance across all your investments
Total Invested
€47,500
Current Value
€52,340
Net Return
+€4,840
Portfolio IRR
17.4%
Active Investments
| Company | Amount | Value | Return | Status |
|---|
Monitoring Dashboard
Revenue Tracking
↑ +18.2%
Covenant Status
Next Distribution
Jun 2026
Alerts
1 Warning
Secondary Market
Trade positions in active deals — liquidity when you need it
Total Volume
€2.4M
Active Listings
18
Avg Premium
+3.2%
Avg Time to Sell
4.2 days
Marketplace Listings
| Asset | Seller | Original | Asking | Premium | Days | |
|---|---|---|---|---|---|---|
| Osteria del Sole | Investor #4721 | €50,000 | €51,600 | +3.2% | 2 | |
| Tessuti Morandi | Investor #5082 | €30,000 | €30,900 | +3.0% | 5 | |
| Milano Clinic+ | Investor #3156 | €20,000 | €19,400 | -3.0% | 12 | |
| Borgo Luxury Hotels | Investor #7341 | €75,000 | €78,750 | +5.0% | 1 | |
| BerlinTech Hub | Investor #2915 | €25,000 | €26,500 | +6.0% | 3 |
ELTIF 2.0 COMPLIANT
Institutional Gateway
Access European SME deals through regulated fund structures with institutional-grade due diligence, reporting, and compliance.
ELTIF 2.0 Fund
Pan-European fund structure compliant with AIFMD and ELTIF 2.0 regulations. Minimum €100K allocation with quarterly liquidity windows.
Institutional Reporting
ILPA-compliant quarterly reports, audited NAV, risk attribution, and ESG impact dashboards tailored for institutional LPs.
MiFID II Compliant
Full regulatory compliance across 27 EU member states via ECSPR passporting. KYC/AML processes exceed regulatory minimums.
AI-Powered DD
Proprietary AI engine performs 226+ automated checks per deal covering financials, legal, market, management, and ESG dimensions.
Pan-European Access
Single platform for SME deals across 12+ European countries. Diversified exposure to Europe's fastest-growing sectors and markets.
Secondary Liquidity
Built-in secondary market provides institutional-grade liquidity. Average position sold within 4.2 days with transparent price discovery.
RaiseUp
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Platform Track Record
Audited performance across all vintages since inception. Net of fees.
Net IRR (since inception)
16.8%
Gross 19.4% · Target 14-18%
MOIC (Net)
1.52x
Gross 1.71x
TVPI
1.52x
DPI 0.61x · RVPI 0.91x
Loss Ratio
2.1%
of committed capital
Default Rate
1.4%
12-month trailing
Recovery Rate
68%
on defaulted principal
Performance by Vintage
| Vintage | Deals | Committed | Called | Distributed | NAV | Net IRR | Net MOIC | DPI | TVPI |
|---|---|---|---|---|---|---|---|---|---|
| 2022 | 11 | €8.4M | €8.4M | €6.2M | €5.1M | 18.2% | 1.68x | 0.74x | 1.35x |
| 2023 | 17 | €14.1M | €14.1M | €7.8M | €11.6M | 17.1% | 1.58x | 0.55x | 1.38x |
| 2024 | 22 | €19.3M | €18.9M | €4.1M | €19.7M | 16.4% | 1.47x | 0.22x | 1.26x |
| 2025 | 31 | €27.6M | €21.2M | €1.6M | €22.8M | 15.8% | 1.29x | 0.08x | 1.15x |
| 2026 YTD | 12 | €11.2M | €5.8M | €0.1M | €5.9M | n/m | 1.02x | 0.02x | 1.02x |
Performance by Sector
| Sector | Deals | Avg Net IRR | MOIC | Loss Ratio | Default Rate |
|---|---|---|---|---|---|
| 🍽️ Food & Dining | 18 | 15.2% | 1.42x | 2.8% | 1.9% |
| 🏨 Hospitality | 14 | 19.4% | 1.66x | 1.2% | 0.7% |
| 🏥 Healthcare | 11 | 17.8% | 1.54x | 0.8% | 0.4% |
| 🍷 Wine & Agriculture | 9 | 14.6% | 1.48x | 1.5% | 1.1% |
| 👔 Textiles & Fashion | 8 | 13.9% | 1.38x | 3.4% | 2.2% |
| 💻 Technology | 13 | 22.1% | 1.81x | 2.9% | 1.8% |
| ⚡ Energy | 7 | 14.2% | 1.44x | 0.3% | 0.0% |
| 🚚 Logistics | 5 | 15.9% | 1.45x | 1.1% | 0.8% |
Cumulative Net Returns vs Benchmark
Past performance is not indicative of future results. Figures are unaudited for 2026 YTD. Net IRR is calculated after all fees, carry and expenses. Benchmark: MSCI Europe Small Cap Total Return.
Fees & Economics
Transparent, flat, and aligned with your outcomes — no hidden load, no carry on losses.
Platform Fee
2.0%
Charged once, upfront, on your investment amount. Covers sourcing, due diligence and monitoring.
Management Fee
0.8%/yr
Annual fee on NAV. Covers custody, compliance, reporting and secondary market operations.
Performance Fee
10%
Charged only above an 8% hurdle, with a full catch-up. No carry on losses. Never on principal.
Secondary Trade
1.0%
Flat transaction fee on secondary market trades, split between buyer and seller.
Worked Example — €10,000 Investment @ 18% Gross IRR over 4 years
| Line Item | Amount | Note |
|---|---|---|
| Gross exit value (1.94x MOIC) | €19,390 | 18% IRR × 4 yrs |
| − Platform fee (2% of €10K) | −€200 | Upfront |
| − Management fee (0.8%/yr avg NAV) | −€470 | Cumulative |
| − Performance fee (10% above 8% hurdle) | −€560 | With catch-up |
| Net to investor | €18,160 | Net IRR 16.1% |
What you will NEVER be charged
- No subscription or membership fees
- No redemption or exit fees on primary holdings
- No inactivity fees
- No FX markup (we pass interbank rates)
- No carry on losing deals — hurdle is high-water-marked per vintage
Risk Methodology
How we score, stress-test and monitor every deal — before, during and after funding.
1. Sourcing & Screening
Fewer than 4% of deals reach diligence. We rule out early-stage, pre-revenue, and companies with under 18 months of audited accounts.
2. AI Scoring Engine
226+ automated checks across six dimensions: financial health, market position, management, growth, risk and ESG. Every score is explainable.
3. Human Diligence
Senior analysts perform on-site visits, management interviews, and build a bottom-up financial model. Independent legal and tax review.
4. Stress Testing
Every deal is shocked under three scenarios: base, downside (−25% revenue), severe (−40% + rate shock). Only deals surviving downside are listed.
5. Protections
First-lien collateral, personal guarantees, revenue pledges, cash sweeps, covenants. Every deal discloses its specific protection package.
6. Live Monitoring
Monthly data feeds from POS, bank and ERP. Covenants tracked daily. Alerts escalated to a workout team at the first breach.
Risk Rating Scale
| Grade | Meaning | Expected Default | Typical IRR Range |
|---|---|---|---|
| A+ | Exceptional — cashflow-positive, collateralised, seasoned mgmt | < 0.5% | 12-18% |
| A | Strong — established operations, clear growth path | 0.5-1.5% | 15-22% |
| B+ | Solid — proven unit economics, some execution risk | 1.5-3% | 18-25% |
| B | Opportunistic — higher upside, active monitoring required | 3-6% | 22-32% |
Regulatory Framework
🇪🇺 ECSPR Licensed
MiFID II
AIFMD
ELTIF 2.0
GDPR
SFDR Article 8
SME 360° — Compare & Save
One platform for funding, credit and insurance. PREVIEW
Indicative rates sourced from 24 European lenders. Final offer subject to credit assessment. RaiseUp is a comparator and does not issue loans directly.
Indicative quotes from 18 European insurers. Final premium subject to underwriting. RaiseUp is an IDD-registered broker (demo).
Why SME 360°?
One login
Funding, credit & insurance in one dashboard — no more 6 tabs open.
Pre-filled data
We re-use the KYC, financials and documents from your RaiseUp profile.
Transparent spread
We get paid by the provider you pick — same price for you, disclosed upfront.
Advice, not ads
Results are ranked by APR / premium, never by commission.