If you choose to lend we initiate a KYC check. After a positive advice you will receive the lending proposal containing all information, agreements and the table showing the periodic interest and capital repayments. 

If you agree, you sign and send the Impact Lending proposal back by mail. You transfer the funds to the Paymaster as agreed. As soon as the funds are received, returns are being calculated.

Subsequently you receive the agreed amounts on the agreed accounts at the agreed times.

We work with a well-capitalized international trust that ensures that capital and proceeds are transferred in accordance with the contract. Thus, payments to the Lender are decoupled from the financial result of the supported projects. Of course, we do want our social projects to at least break even financially. Therefore, all projects undergo a rigorous selection process before being considered. Approved projects are closely monitored and supervised throughout the entire period. The success rate of these projects is therefore very high. We believe that in this way we have eliminated almost all possible risks and negative consequences. Despite our efforts, it is possible that events beyond our control may affect what has been described or agreed upon. Therefore, we can never legally guarantee 100% certainty.

You can choose not to have monthly interest payments and to accumulate instead. The Impact lending formula can be customized with different amounts, maturities or repayments. Different combinations obviously give different returns. These are easily calculated and provided upon request. For all customizations, schedule a private call to run through the options.

Of course, we are happy to hear about your Impact Project. When it comes to funding, we can help you with strategies for creating a recurring operating budget and/or for receiving a single down payment for a substantial purchase or investment. You are most welcome to join a connection call or contact us  to explore the possibilities.

We work with local lawyers and notaries to ensure compliance with local tax laws. As an example legislation is different in Belgium and the Netherlands. Therefor Belgian Impact Lenders contract with our Belgian subsidiary QP Impact BE and Dutch Impact Lenders with our Dutch subsidiary QP Impact NL.

Belgium: We are required by law to calculate taxes at the appropriate rate and withheld this from the interest due. The Impact Lender so receives the interest after taxes. We make sure that this tax is paid directly to the tax office in Belgium.

The Netherlands: There is no withholding tax in the Netherlands. The agreed interest is paid in full to the lender. The loan must be declared by the private Impact Lender himself in his income tax return. QP Impact NL does not actively send data to the tax authorities.