What is Endurance Private Capital Investments

Endurance is a Spanish Society dedicated to lending money. It was created in 2017 and after 6 years of experience it wants to extend the business model to third parties



Provide a financing service to companies embracing a business niche that traditional banking has left aside


Hacer que los inversores obtengan una rentabilidad a sus ahorros mayor que el de otros productos tradicionales batiendo a la inflación, por tanto evitando perder poder adquisitivo


Work with foundations and NGOs by contributing funds with the aim of improving the Society in which we live

Why invest with us

Investing in mortgage loans can be an excellent option for those looking for a long-term investment with attractive return potential. Here are some of the reasons why investing in home loans may be a good idea:

Cost effectiveness: Mortgage loans typically have higher interest rates than traditional investments, such as Treasury bonds or certificates of deposit, which means the potential for returns is greater.

Security: Mortgage loans are backed by a tangible asset, that is, a property. This means that, in case of default, the lender has the right to repossess the property and recover their investment.

Diversification: Investing in home loans can help diversify an investment portfolio, since the returns are not correlated with the stock or bond market.

Control: By investing in home loans, you have more control over the investment, since you can choose the loans in which you invest and you can monitor the progress of the loan.

Accessibility: Investing in home loans is accessible to a variety of investors, including those on a limited budget.

In short, investing in mortgage loans can be an excellent option for those looking for a long-term investment with attractive return potential, security, diversification, control, and affordability. However, it is important to note that this type of investment carries risks and requires prior research and advice.

Frequent questions


You have doubts? Consult our frequently asked questions and if you do not find the answer you need, contact us.

The main risks are those derived from the non-payment of installments or the repayment of the principal of the loan. In addition to temporary illiquidity for the duration of the loan.

The best way to reduce risk is to diversify the project portfolio by participating in different operations.

The Loan to Value (LTV) is a mortgage information ratio that measures the percentage that the loan represents over the value of the property that guarantees the loan and for which an official appraisal is requested. For example, for the LTV in the case of a loan granted for €500,000 on an appraisal value of the mortgage guarantee of €750,000, it is 66.66%.

The foreclosure of a mortgage guarantee depends on the time it takes to auction and sell the property delivered as guarantee. This is greatly influenced by the location of the property, the type of property, its appraisal price and other factors. As a general rule, the estimated time that the process can last is around 2 years, although in many cases these terms are shortened.

Endurance will retain 19% in the distribution of interest for individuals and legal entities residing in Spain.

Endurance will do everything possible to help sell the necessary holdings by bringing in a new investor.

Example of type operation

Profitability of a typical Endurance operation

Capital: 100.000 €
Annual interest: 11%
Amortization term: 10 years (French system, constant capital and interest installments) Four-monthly payments.
Fixed monthly installment for the entire life of the loan: 1,377.50€
Interest charged at the end of the life of the loan: 65.300 €
Endurance participates in 2% of the capital, investing 2.000 €

Endurance will receive €65,300 and will distribute the corresponding interest to investors every four months.

Contact us

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