Guarantee, real estate pledge or asset complex pledge – which is more reliable?
For investors in business loans, one of the most pressing topics is the reliability of loan collateral. On the FinoMark platform, three main forms of protection are most commonly used: real estate pledge (RE), asset complex pledge (ACP) and guarantor liability. All of these measures can effectively reduce investor risk, but their mechanisms and effectiveness differ. What should you know before making a decision?

Real estate pledge – clear value and legal protection
Real estate pledge is considered one of the most reliable forms of collateral for several reasons:
– Clear market value: the asset can be independently appraised, making risk assessment easier.
– Legal registration: the pledge is registered as a mortgage in a public register, providing legal stability.
– Effective enforcement: in case of default, a forced sale of the property can be initiated.
FinoMark practice: Real estate pledges are applied to larger loans, typically from EUR 100,000 and up, with a 70–80 % LTV (loan-to-value ratio).

Asset complex pledge – a flexible, business-reflective solution
Asset complex pledge covers the entire company’s assets: equipment, inventory, vehicles, receivables and even customer flows.
– Business-reflective security: the pledge covers assets that actually generate income.
– Ideal for businesses without real estate: a great solution for active companies lacking property assets.
– More complex valuation: the value of pledged assets is more volatile, and liquidation takes longer.
FinoMark practice: Asset complex pledge covers the company’s equipment, inventory, vehicles, receivables and customer flows.

Guarantee – personal commitment and additional security
Guarantee is often used as an additional form of protection, especially when the company owner or a related legal entity acts as guarantor.
– Strengthens liability link: increases personal motivation to repay the loan.
– Suited for smaller amounts: quick, flexible, without imposing additional restrictions.
– Subjective value: effectiveness depends on the guarantor’s financial standing.
FinoMark practice: Loans up to EUR 25,000 are usually issued only with a guarantee. This is common practice for early-stage or micro-enterprises.

So, which is best?
The strongest security model is usually achieved by combining several measures – for example, a real estate pledge plus a guarantee, or an asset complex pledge plus an owner’s guarantee. This way, the investor benefits from both tangible collateral and a personal commitment, while the credit team gains more options for action in case of delay or default.

Options for securing a loan on the FinoMark platform:
FinoMark offers various collateral methods that enable businesses to obtain financing according to their needs and allow investors to invest. Collateral is chosen based on the company’s business model, loan amount and financing purpose. The platform most commonly applies three forms: real estate pledge, asset complex pledge and guarantor liability. Each has its advantages and is suitable in different situations.
– Real estate pledge – objectively the safest measure due to clear value, legal security and enforcement options.
– Asset complex pledge – a flexible alternative to real estate when it’s important to pledge the company’s operating assets.
– Guarantee – a quick but more subjective measure, especially useful for small loans or as an additional safeguard.