ACEMA Credit Czech is a licensed Czech lending provider that has been operating on the market since 2000. During its existence, it has financed more than CZK 8.5 billion for approximately 21,000 clients. The company primarily focuses on consumer and business loans secured by real estate, development financing, and selected working capital loans for entrepreneurs and self-employed individuals who may not meet the standardized requirements of banks.

When approving loans, ACEMA combines an assessment of the client’s income and repayment capacity with a valuation of the pledged property. To support this process, it uses its own predictive model based on long-term data collection and machine learning. This model complements expert credit assessment and enables the company to finance clients who are often evaluated too generically by traditional bank scoring systems.

For investments offered on Bondster, the primary protection mechanism is a mortgage lien on a specific property. The average loan-to-value (LTV) ratio of the portfolio is approximately 45%, meaning that the value of the collateral provides a buffer against outstanding principal and potential recovery costs. ACEMA also retains a 2% stake in the financed loans. For investors, the key considerations remain the accuracy of the property valuation, the lien position, and the time required to sell the collateral if enforcement becomes necessary.

The current yield offered on ACEMA’s real estate-backed loans on Bondster reaches up to 11% p.a.; however, the specific interest rate, maturity, and LTV vary depending on the individual investment.