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data-delay=""> <div class="wpb_wrapper"> <div class="vc_row wpb_row vc_inner vc_row-fluid"><div class="wpb_column vc_column_container vc_col-sm-12"><div class="vc_column-inner vc_custom_1568391563799"><div class="wpb_wrapper"><div class="wpb_content_element media media_el animate_onoffset"><img src="https://www.capilever.com/wp-content/uploads/2019/09/NLPT-logo.png" alt="klsjdajsdhaksjdhasj" class="type_image animated fadeInnone alignment_left" /></div></div></div></div></div><div class="wpb_content_element media media_el animate_onoffset"><img src="https://www.capilever.com/wp-content/uploads/2019/09/Capilever-LABL.jpg" alt="klsjdajsdhaksjdhasj" class="type_image animated fadeInnone alignment_left" /></div> </div> </div> <div class="vc_col-sm-6 vc_column column_container with_padding " style="padding:" data-animation="none" data-delay=""> <div class="wpb_wrapper"> <div class="wpb_text_column wpb_content_element "> <div class="wpb_wrapper"> <p style="text-align: left;"><span style="font-size: 52px; line-height: 1.2em; color: black;">Non-liquid position tool (NLPT)</span></p> </div> </div> <div class="wpb_text_column wpb_content_element "> <div class="wpb_wrapper"> <p style="text-align: left;"><span style="font-size: 1.5em; color: #00b0f0;"><strong>Activating assets not serviced by your bank</strong></span></p> </div> </div> <div class="wpb_text_column wpb_content_element "> <div class="wpb_wrapper"> <p style="text-align: left;"><span style="font-size: 1.3em; color: #758592;">Our non-liquid position tool (NLPT) product provides an end-to-end solution for managing all customer’s assets, liabilities and off-balance positions not serviced by the bank. The solution allows bank employees and customers to keep track of all their non-liquid positions and associated transactions, supporting (semi-automated) valuations and providing a centralized overview of all positions. </span></p> </div> </div> <div class="wpb_content_element button "><a target="_blank" class="btn-bt align-right with_icon" href="https://www.capilever.com/wp-content/uploads/2019/11/Capilever-NLPT-Product-Brochure.pdf"><span>Product brochure</span><i class=""></i></a></div> </div> </div> </div></div></div><div id="fws_67475d2cb8b61" class="vc_row vc_row-fluid animate_onoffset row-dynamic-el section-style vc_hidden-lg vc_hidden-md " style="" ><div id="vc_hidden-lg vc_hidden-md" style="position: absolute;top: 0;"></div><div class="container dark"><div class="section_clear"> <div class="vc_col-sm-6 vc_column column_container centered_col with_padding " style="padding:" data-animation="none" data-delay=""> <div class="wpb_wrapper"> <div class="vc_row wpb_row vc_inner vc_row-fluid"><div class="wpb_column vc_column_container vc_col-sm-12"><div class="vc_column-inner vc_custom_1568757538713"><div class="wpb_wrapper"><div class="wpb_content_element media media_el animate_onoffset"><img src="https://www.capilever.com/wp-content/uploads/2019/09/NLPT-logo.png" alt="klsjdajsdhaksjdhasj" class="type_image animated fadeInnone alignment_left" /></div></div></div></div></div><div class="wpb_content_element media media_el animate_onoffset"><img src="https://www.capilever.com/wp-content/uploads/2019/09/Capilever-LABL.jpg" alt="klsjdajsdhaksjdhasj" class="type_image animated fadeInnone alignment_left" /></div> </div> </div> <div class="vc_col-sm-6 vc_column column_container with_padding " style="padding:" data-animation="none" data-delay=""> <div class="wpb_wrapper"> <div class="wpb_text_column wpb_content_element "> <div class="wpb_wrapper"> <p style="text-align: left;"><span style="font-size: 52px; line-height: 1.2em; color: black;">Non-liquid position tool (NLPT)</span></p> </div> </div> <div class="wpb_text_column wpb_content_element "> <div class="wpb_wrapper"> <p style="text-align: left;"><span style="font-size: 1.5em; color: #00b0f0;"><strong>Activating assets not serviced by your bank</strong></span></p> </div> </div> <div class="wpb_text_column wpb_content_element "> <div class="wpb_wrapper"> <p style="text-align: left;"><span style="font-size: 1.3em; color: #758592;">Our non-liquid position tool (NLPT) product provides an end-to-end solution for managing all customer’s assets, liabilities and off-balance positions not serviced by the bank. The solution allows bank employees and customers to keep track of all their non-liquid positions and associated transactions, supporting (semi-automated) valuations and providing a centralized overview of all positions. </span></p> </div> </div> <div class="wpb_content_element button "><a target="_blank" class="btn-bt align-right with_icon" href="https://www.capilever.com/wp-content/uploads/2019/11/Capilever-NLPT-Product-Brochure.pdf"><span>Product brochure</span><i class=""></i></a></div> </div> </div> </div></div></div><div id="fws_67475d2cba5c0" class="vc_row vc_row-fluid animate_onoffset row-dynamic-el section-style vc_hidden-sm vc_hidden-xs borders " style="background-color: #ffffff; " ><div id="vc_hidden-sm vc_hidden-xs" style="position: absolute;top: 0;"></div><div class="container dark"><div class="section_clear"> <div class="vc_col-sm-12 vc_column column_container with_padding " style="padding:" data-animation="none" data-delay=""> <div class="wpb_wrapper"> <div class="wpb_content_element block_title section_title inner-only_text "><h1>What are customer benefits of NLPT?</h1></div><div class="vc_empty_space" style="height: 15px" ><span class="vc_empty_space_inner"></span></div> <div class="vc_row wpb_row vc_inner vc_row-fluid vc_hidden-sm vc_hidden-xs"><div class="wpb_column vc_column_container vc_col-sm-1/5"><div class="vc_column-inner"><div class="wpb_wrapper"><div class="wpb_content_element media media_el animate_onoffset"><img src="https://www.capilever.com/wp-content/uploads/2019/03/stars_one-e1551779743988.png" alt="klsjdajsdhaksjdhasj" class="type_image animated fadeInnone alignment_center" style="width:30px;position:relative; left:50%; margin-left:-15px;" /></div></div></div></div><div class="wpb_column vc_column_container vc_col-sm-1/5"><div class="vc_column-inner"><div class="wpb_wrapper"><div class="wpb_content_element media media_el animate_onoffset"><img src="https://www.capilever.com/wp-content/uploads/2019/03/stars_2.png" alt="klsjdajsdhaksjdhasj" class="type_image animated fadeInnone alignment_center" style="width:56px;position:relative; left:50%; margin-left:-28px;" /></div></div></div></div><div class="wpb_column vc_column_container vc_col-sm-1/5"><div class="vc_column-inner"><div class="wpb_wrapper"><div class="wpb_content_element media media_el animate_onoffset"><img src="https://www.capilever.com/wp-content/uploads/2019/03/stars_3.png" alt="klsjdajsdhaksjdhasj" class="type_image animated fadeInnone alignment_center" style="width:85px;position:relative; left:50%; margin-left:-42.5px;" /></div></div></div></div><div class="wpb_column vc_column_container vc_col-sm-1/5"><div class="vc_column-inner"><div class="wpb_wrapper"><div class="wpb_content_element media media_el animate_onoffset"><img src="https://www.capilever.com/wp-content/uploads/2019/03/stars_4.png" alt="klsjdajsdhaksjdhasj" class="type_image animated fadeInnone alignment_center" style="width:113px;position:relative; left:50%; margin-left:-56.5px;" /></div></div></div></div><div class="wpb_column vc_column_container vc_col-sm-1/5"><div class="vc_column-inner"><div class="wpb_wrapper"><div class="wpb_content_element media media_el animate_onoffset"><img src="https://www.capilever.com/wp-content/uploads/2019/09/stars_5.png" alt="klsjdajsdhaksjdhasj" class="type_image animated fadeInnone alignment_center" style="width:140px;position:relative; left:50%; margin-left:-70px;" /></div></div></div></div></div><div class="vc_empty_space" style="height: 15px" ><span class="vc_empty_space_inner"></span></div> <div class="vc_row wpb_row vc_inner vc_row-fluid"><div class="wpb_column vc_column_container vc_col-sm-1/5"><div class="vc_column-inner"><div class="wpb_wrapper"> <div class="wpb_text_column wpb_content_element "> <div class="wpb_wrapper"> <p style="text-align: center;">Receive a full holistic reporting of all assets and liabilities, allowing to get a full overview of the customer’s wealth</p> </div> </div> </div></div></div><div class="wpb_column vc_column_container vc_col-sm-1/5"><div class="vc_column-inner"><div class="wpb_wrapper"> <div class="wpb_text_column wpb_content_element "> <div class="wpb_wrapper"> <p style="text-align: center;">Extent asset and collateral scope to (financial) products that are typically not present in current banking and PFM/BFM apps</p> </div> </div> </div></div></div><div class="wpb_column vc_column_container vc_col-sm-1/5"><div class="vc_column-inner"><div class="wpb_wrapper"> <div class="wpb_text_column wpb_content_element "> <div class="wpb_wrapper"> <p style="text-align: center;">Improved investment advice with investor profiling based on the customer’s complete financial situation</p> </div> </div> </div></div></div><div class="wpb_column vc_column_container vc_col-sm-1/5"><div class="vc_column-inner"><div class="wpb_wrapper"> <div class="wpb_text_column wpb_content_element "> <div class="wpb_wrapper"> <p style="text-align: center;">All assets of the customer can be used as collateral for the flexible and real-time asset based loans (see our LABL offering)</p> </div> </div> </div></div></div><div class="wpb_column vc_column_container vc_col-sm-1/5"><div class="vc_column-inner"><div class="wpb_wrapper"> <div class="wpb_text_column wpb_content_element "> <div class="wpb_wrapper"> <p style="text-align: center;">Through APIs assets are automatically updated on a constant basis providing an up-to-date valorization at all times</p> </div> </div> </div></div></div></div> </div> </div> </div></div></div><div id="fws_67475d2cc003d" class="vc_row vc_row-fluid animate_onoffset row-dynamic-el section-style vc_hidden-lg vc_hidden-md borders " style="background-color: #ffffff; " ><div id="vc_hidden-lg vc_hidden-md" style="position: absolute;top: 0;"></div><div class="container dark"><div class="section_clear"> <div class="vc_col-sm-12 vc_column column_container with_padding " style="padding:" data-animation="none" data-delay=""> <div class="wpb_wrapper"> <div class="wpb_content_element block_title section_title inner-only_text "><h1>Customer benefits</h1></div><div class="vc_empty_space" style="height: 15px" ><span class="vc_empty_space_inner"></span></div> <div class="vc_row wpb_row vc_inner vc_row-fluid"><div class="wpb_column vc_column_container vc_col-sm-12"><div class="vc_column-inner"><div class="wpb_wrapper"><div class="wpb_content_element list" style=""><ul data-icon="steadysets-icon-star"> <li class="simple"><i class=""></i>Receive a full holistic reporting of all assets and liabilities, allowing to get a full overview of the customer’s wealth</li><li class="simple"><i class=""></i>Extent asset and collateral scope to (financial) products that are typically not present in current banking and PFM/BFM apps</li><li class="simple"><i class=""></i>Improved investment advice with investor profiling based on the customer’s complete financial situation</li><li class="simple"><i class=""></i>All assets of the customer can be used as collateral for the flexible and real-time asset based loans (see our LABL offering)</li><li class="simple"><i class=""></i>Through APIs assets are automatically updated on a constant basis providing an up-to-date valorization at all times</li></ul></div></div></div></div></div> </div> </div> </div></div></div><div id="fws_67475d2cc17c4" class="vc_row vc_row-fluid animate_onoffset row-dynamic-el section-style vc_hidden-sm vc_hidden-xs borders " style="background-color: #00b0f0; " ><div id="vc_hidden-sm vc_hidden-xs" style="position: absolute;top: 0;"></div><div class="container dark"><div class="section_clear"> <div class="vc_col-sm-12 vc_column column_container with_padding " style="padding:" data-animation="none" data-delay=""> <div class="wpb_wrapper"> <div class="wpb_text_column wpb_content_element "> <div class="wpb_wrapper"> <h1 style="text-align: center;"><span style="color: white;">WHAT ARE BANK BENEFITS OF NLPT?</span></h1> </div> </div> <div class="vc_empty_space" style="height: 15px" ><span class="vc_empty_space_inner"></span></div> <div class="vc_row wpb_row vc_inner vc_row-fluid"><div class="wpb_column vc_column_container vc_col-sm-6"><div class="vc_column-inner"><div class="wpb_wrapper"><div class=" services_small wpb_content_element align_left"><dl class="dl-horizontal with_icon"> <dt> <i class="steadysets-icon-star" style="color:#ffffff;"></i> </dt> <dd> <h4><a href="#"></a></h4> <div class="content"> <div><span style="color: white; margin-top: -50;">Generate new business of LABL loans. Instead of postponing acquisition or selling off their assets, customer can block increased collateral scope in a fully transparent and defensive way</span></div> </div> </dd></dl></div><div class=" services_small wpb_content_element align_left"><dl class="dl-horizontal with_icon"> <dt> <i class="steadysets-icon-star" style="color:#ffffff;"></i> </dt> <dd> <h4><a href="#"></a></h4> <div class="content"> <div><span style="color: white;">Increase customer retention as NLPT enables central depository of all wealth components </span></div> </div> </dd></dl></div><div class=" services_small wpb_content_element align_left"><dl class="dl-horizontal with_icon"> <dt> <i class="steadysets-icon-star" style="color:#ffffff;"></i> </dt> <dd> <h4><a href="#"></a></h4> <div class="content"> <div><span style="color: white;">Central dashboard and reporting allowing better informed advice to customer</span></div> </div> </dd></dl></div><div class=" services_small wpb_content_element align_left"><dl class="dl-horizontal with_icon"> <dt> <i class="steadysets-icon-star" style="color:#ffffff;"></i> </dt> <dd> <h4><a href="#"></a></h4> <div class="content"> <div><span style="color: white;">Avoid any personal Excel files and other unmanaged tools used by bank employees to keep track of important info on customers</span></div> </div> </dd></dl></div></div></div></div><div class="wpb_column vc_column_container vc_col-sm-6"><div class="vc_column-inner"><div class="wpb_wrapper"><div class=" services_small wpb_content_element align_left"><dl class="dl-horizontal with_icon"> <dt> <i class="steadysets-icon-star" style="color:#ffffff;"></i> </dt> <dd> <h4><a href="#"></a></h4> <div class="content"> <div><span style="color: white;">Provide a larger pallet of services to the customer (e.g. also management/advice on non-liquid products and added-value services like insurance, conservation, restauration…)</span></div> </div> </dd></dl></div><div class=" services_small wpb_content_element align_left"><dl class="dl-horizontal with_icon"> <dt> <i class="steadysets-icon-star" style="color:#ffffff;"></i> </dt> <dd> <h4><a href="#"></a></h4> <div class="content"> <div><span style="color: white; margin-top: -50;">Identify more cross-selling opportunities, i.e. a view on all customer’s assets and liabilities allows to provide additional services or products which customer doesn’t have yet or to provide more competitive offers for products/services customer has at competition</span></div> </div> </dd></dl></div><div class=" services_small wpb_content_element align_left"><dl class="dl-horizontal with_icon"> <dt> <i class="steadysets-icon-star" style="color:#ffffff;"></i> </dt> <dd> <h4><a href="#"></a></h4> <div class="content"> <div><span style="color: white; margin-top: -50;">Obtain better control on compliance issues and risk</span></div> </div> </dd></dl></div></div></div></div></div> </div> </div> </div></div></div><div id="fws_67475d2cc362f" class="vc_row vc_row-fluid animate_onoffset row-dynamic-el section-style vc_hidden-lg vc_hidden-md borders " style="background-color: #00b0f0; " ><div id="vc_hidden-lg vc_hidden-md" style="position: absolute;top: 0;"></div><div class="container dark"><div class="section_clear"> <div class="vc_col-sm-12 vc_column column_container with_padding " style="padding:" data-animation="none" data-delay=""> <div class="wpb_wrapper"> <div class="wpb_text_column wpb_content_element "> <div class="wpb_wrapper"> <h1 style="text-align: center;"><span style="color: white;">BANK BENEFITS</span></h1> </div> </div> <div class="vc_empty_space" style="height: 15px" ><span class="vc_empty_space_inner"></span></div> <div class="vc_row wpb_row vc_inner vc_row-fluid software"><div class="listwhite iconwhite wpb_column vc_column_container vc_col-sm-12"><div class="vc_column-inner"><div class="wpb_wrapper"><div class="wpb_content_element list" style=""><ul data-icon="steadysets-icon-star"> <li class="simple"><i class=""></i>Generate new business of LABL loans. Instead of postponing acquisition or selling off their assets, customer can block increased collateral scope in a fully transparent and defensive way</li><li class="simple"><i class=""></i>Increase customer retention as NLPT enables central depository of all wealth components</li><li class="simple"><i class=""></i>Central dashboard and reporting allowing better informed advice to customer</li><li class="simple"><i class=""></i>Avoid any personal Excel files and other unmanaged tools used by bank employees to keep track of important info on customers</li><li class="simple"><i class=""></i>Provide a larger pallet of services to the customer (e.g. also management/advice on non-liquid products and added-value services like insurance, conservation, restoration…)</li><li class="simple"><i class=""></i>Identify more cross-selling opportunities, i.e. a view on all customer’s assets and liabilities allows to provide additional services or products which customer doesn’t have yet or to provide more competitive offers for products/services customer has at competition</li><li class="simple"><i class=""></i>Obtain better control on compliance issues and risk</li></ul></div></div></div></div></div> </div> </div> </div></div></div><div id="fws_67475d2cc4c81" class="vc_row vc_row-fluid animate_onoffset row-dynamic-el section-style vc_hidden-sm vc_hidden-xs borders " style="background-color: #ffffff; " ><div id="vc_hidden-sm vc_hidden-xs" style="position: absolute;top: 0;"></div><div class="container dark"><div class="section_clear"> <div class="vc_col-sm-12 vc_column column_container with_padding " style="padding:" data-animation="none" data-delay=""> <div class="wpb_wrapper"> <div class="vc_empty_space" style="height: 5px" ><span class="vc_empty_space_inner"></span></div> <div class="wpb_text_column wpb_content_element "> <div class="wpb_wrapper"> <p style="text-align: left;"><span style="font-size: 1.3em; color: black;">A bank’s primary goal is to help its customers manage their <span style="color: #00b0f0;">money and associated risks</span>. It can only do that by knowing the <span style="color: #00b0f0;">full financial situation of the customer</span> in the best possible way. In current banking apps only a portion of the customer’s full wealth is managed, leading to incorrect advice and missed opportunities for both banks and their customers.</span></p> </div> </div> <div class="vc_empty_space" style="height: 5px" ><span class="vc_empty_space_inner"></span></div> </div> </div> </div></div></div><div id="fws_67475d2cc5705" class="vc_row vc_row-fluid animate_onoffset row-dynamic-el section-style vc_hidden-lg vc_hidden-md borders " style="background-color: #ffffff; " ><div id="vc_hidden-lg vc_hidden-md" style="position: absolute;top: 0;"></div><div class="container dark"><div class="section_clear"> <div class="vc_col-sm-12 vc_column column_container with_padding " style="padding:" data-animation="none" data-delay=""> <div class="wpb_wrapper"> <div class="vc_empty_space" style="height: 5px" ><span class="vc_empty_space_inner"></span></div> <div class="wpb_text_column wpb_content_element "> <div class="wpb_wrapper"> <p style="text-align: left;"><span style="font-size: 1.3em; color: black;">A bank’s primary goal is to help its customers manage their <strong><span style="color: #00b0f0;">money and associated risks</span></strong>. It can only do that by knowing the <strong><span style="color: #00b0f0;">full financial situation of the customer</span></strong> in the best possible way. In current banking apps only a portion of the customer’s full wealth is managed, leading to incorrect advice and missed opportunities for both banks and their customers.</span></p> </div> </div> <div class="vc_empty_space" style="height: 5px" ><span class="vc_empty_space_inner"></span></div> </div> </div> </div></div></div><div id="fws_67475d2cc611f" class="vc_row vc_row-fluid animate_onoffset row-dynamic-el section-style borders " style="background-color: #00b0f0; " ><div style="position: absolute;top: 0;"></div><div class="container dark"><div class="section_clear"> <div class="vc_col-sm-12 vc_column column_container with_padding " style="padding:" data-animation="none" data-delay=""> <div class="wpb_wrapper"> <div class="vc_empty_space" style="height: 10px" ><span class="vc_empty_space_inner"></span></div> <div class="wpb_text_column wpb_content_element "> <div class="wpb_wrapper"> <h1 style="text-align: center;"><span style="color: white;">INTEGRATE OUR APIs INTO YOUR DAILY BANKING APP</span></h1> </div> </div> <div class="vc_empty_space" style="height: 10px" ><span class="vc_empty_space_inner"></span></div> <div class="vc_row wpb_row vc_inner vc_row-fluid vc_hidden-sm vc_hidden-xs"><div class="wpb_column vc_column_container vc_col-sm-6"><div class="vc_column-inner"><div class="wpb_wrapper"><div class="wpb_content_element media media_el animate_onoffset"><img src="https://www.capilever.com/wp-content/uploads/2019/10/Mobile-Cockpit-NLPT.png" alt="klsjdajsdhaksjdhasj" class="type_image animated fadeInnone alignment_center" style="width:300px;position:relative; left:50%; margin-left:-150px;" /></div></div></div></div><div class="wpb_column vc_column_container vc_col-sm-6"><div class="vc_column-inner vc_custom_1569942167986"><div class="wpb_wrapper"><div class="wpb_content_element media media_el animate_onoffset"><img src="https://www.capilever.com/wp-content/uploads/2019/10/Laptop-Cockpit-NLPT.png" alt="klsjdajsdhaksjdhasj" class="type_image animated fadeInnone alignment_left" /></div></div></div></div></div><div class="vc_row wpb_row vc_inner vc_row-fluid vc_hidden-lg vc_hidden-md"><div class="wpb_column vc_column_container vc_col-sm-12"><div class="vc_column-inner"><div class="wpb_wrapper"><div class="wpb_content_element media media_el animate_onoffset"><img src="https://www.capilever.com/wp-content/uploads/2019/10/Mobile-Cockpit-NLPT.png" alt="klsjdajsdhaksjdhasj" class="type_image animated fadeInnone alignment_center" style="width:300px;position:relative; left:50%; margin-left:-150px;" /></div></div></div></div></div><div class="vc_empty_space" style="height: 15px" ><span class="vc_empty_space_inner"></span></div> </div> </div> </div></div></div><div id="fws_67475d2cc8e8c" class="vc_row vc_row-fluid animate_onoffset row-dynamic-el section-style vc_hidden-sm vc_hidden-xs borders " style="padding-top: 80px ; padding-bottom: 0px ; " ><div id="vc_hidden-sm vc_hidden-xs" style="position: absolute;top: 0;"></div><div class="container dark"><div class="section_clear"> <div class="vc_col-sm-12 vc_column column_container with_padding " style="padding:" data-animation="none" data-delay=""> <div class="wpb_wrapper"> <div class="wpb_content_element block_title section_title inner-only_text "><h1>NLPT use case</h1></div><div class="vc_empty_space" style="height: 15px" ><span class="vc_empty_space_inner"></span></div> <div class="vc_tta-container vc_tta-o-non-responsive" data-vc-action="collapse"><div class="vc_general vc_tta vc_tta-tabs vc_tta-o-shape-group vc_tta-has-pagination vc_hidden-sm vc_hidden-xs vc_tta-o-no-fill vc_tta-tabs-position-top vc_tta-pageable"><div class="vc_tta-panels-container"><ul class="vc_general vc_pagination vc_pagination-style-outline vc_pagination-shape-round vc_pagination-color-grey"><li class="vc_pagination-item vc_active" data-vc-tab><a href="#1551285059680-9a0e8675-06c1" class="vc_pagination-trigger" data-vc-tabs data-vc-container=".vc_tta"></a></li></ul><div class="vc_tta-panels"><div class="vc_tta-panel vc_active" id="1551285059680-9a0e8675-06c1" data-vc-content=".vc_tta-panel-body"><div class="vc_tta-panel-body"> <span class="vc_tta-panel-title"> <a data-vc-container=".vc_tta-container" data-vc-accordion="" data-vc-target="#1551285059680-9a0e8675-06c1"></a> </span> <div class="vc_row wpb_row vc_inner vc_row-fluid"><div class="wpb_column vc_column_container vc_col-sm-8 vc_col-sm-offset-0 vc_col-xs-11"><div class="vc_column-inner vc_custom_1568035867428"><div class="wpb_wrapper"> <div class="wpb_text_column wpb_content_element vc_custom_1570174185077"> <div class="wpb_wrapper"> <p style="text-align: left;"><span style="font-size: 1.2em; color: #00b0f0;"><strong>Expanding and maintaining real estate patrimony</strong></span></p> <p>Michel is very active in real-estate. Michel invests all his savings in buying cheap houses, which he renovates and restructures in a number of apartments, which he rents out. All in all Michel has already acquired 4 houses, housing a total of 12 apartments. The total worth of these houses is €1,4 million and provides him a rental income of €8.000 per month. Michel would like now to place solar panels on all his 4 houses. This is an investment of €80.000 in total, for which he doesn’t have the necessary liquid money available.</p> <p>Luckily his bank is an innovative bank, which offers the “asset-based lending” product, also on “non-liquid positions”. Michel inputs his 4 houses with necessary proof documents (like pictures and other official documents) in the tool and a valuation is made at a total of €1.4 million. At a haircut value of 90% the bank can offer him an ABL loan for €140.000 at around 2-2.5% interest rate. Michel decides to block 3 houses in the tool, which gives him a loan of €105.000, allowing him not only to do the solar panel investment, but also to install a heat pump on all 4 houses.</p> </div> </div> </div></div></div><div class="wpb_column vc_column_container vc_col-sm-4 vc_hidden-sm vc_hidden-xs"><div class="vc_column-inner"><div class="wpb_wrapper"><div class="vc_empty_space" style="height: 16px" ><span class="vc_empty_space_inner"></span></div> <div class="wpb_content_element media media_el animate_onoffset"><img src="https://www.capilever.com/wp-content/uploads/2019/09/NLPT-use-case-1.jpg" alt="klsjdajsdhaksjdhasj" class="type_image animated fadeInnone alignment_right" /></div></div></div></div></div></div></div></div></div></div></div> </div> </div> </div></div></div><div id="fws_67475d2ccdd03" class="vc_row vc_row-fluid animate_onoffset row-dynamic-el section-style vc_hidden-lg vc_hidden-md borders " style="padding-top: 80px ; padding-bottom: 0px ; " ><div id="vc_hidden-lg vc_hidden-md" style="position: absolute;top: 0;"></div><div class="container dark"><div class="section_clear"> <div class="vc_col-sm-12 vc_column column_container with_padding " style="padding:" data-animation="none" data-delay=""> <div class="wpb_wrapper"> <div class="wpb_content_element block_title section_title inner-only_text "><h1>NLPT use case</h1></div><div class="vc_tta-container vc_tta-o-non-responsive" data-vc-action="collapse"><div class="vc_general vc_tta vc_tta-tabs vc_tta-o-shape-group vc_tta-has-pagination vc_hidden-lg vc_hidden-md vc_tta-o-no-fill vc_tta-tabs-position-top vc_tta-pageable"><div class="vc_tta-panels-container"><ul class="vc_general vc_pagination vc_pagination-style-outline vc_pagination-shape-round vc_pagination-color-grey"><li class="vc_pagination-item vc_active" data-vc-tab><a href="#1569942338689-37933115-b67a" class="vc_pagination-trigger" data-vc-tabs data-vc-container=".vc_tta"></a></li></ul><div class="vc_tta-panels"><div class="vc_tta-panel vc_active" id="1569942338689-37933115-b67a" data-vc-content=".vc_tta-panel-body"><div class="vc_tta-panel-body"> <span class="vc_tta-panel-title"> <a data-vc-container=".vc_tta-container" data-vc-accordion="" data-vc-target="#1569942338689-37933115-b67a"></a> </span> <div class="vc_row wpb_row vc_inner vc_row-fluid"><div class="wpb_column vc_column_container vc_col-sm-12 vc_col-sm-offset-0"><div class="vc_column-inner"><div class="wpb_wrapper"> <div class="wpb_text_column wpb_content_element "> <div class="wpb_wrapper"> <p style="text-align: left;"><span style="font-size: 1.2em; color: #00b0f0;"><strong>Expanding and maintaining real estate patrimony</strong></span></p> <p>Michel is very active in real-estate. Michel invests all his savings in buying cheap houses, which he renovates and restructures in a number of apartments, which he rents out. All in all Michel has already acquired 4 houses, housing a total of 12 apartments. The total worth of these houses is €1,4 million and provides him a rental income of €8.000 per month. Michel would like now to place solar panels on all his 4 houses. This is an investment of €80.000 in total, for which he doesn’t have the necessary liquid money available.</p> <p>Luckily his bank is an innovative bank, which offers the “asset-based lending” product, also on “non-liquid positions”. Michel inputs his 4 houses with necessary proof documents (like pictures and other official documents) in the tool and a valuation is made at a total of €1.4 million. At a haircut value of 90% the bank can offer him an ABL loan for €140.000 at around 2-2.5% interest rate. Michel decides to block 3 houses in the tool, which gives him a loan of €105.000, allowing him not only to do the solar panel investment, but also to install a heat pump on all 4 houses.</p> </div> </div> </div></div></div></div></div></div></div></div></div></div> </div> </div> </div></div></div><div id="fws_67475d2ccfb5d" class="vc_row vc_row-fluid animate_onoffset row-dynamic-el section-style borders " style="background-color: #ebf0f9; padding-top: -20px ; " ><div style="position: absolute;top: 0;"></div><div class="container dark"><div class="section_clear"> <div class="vc_col-sm-12 vc_column column_container with_padding " style="padding:" data-animation="none" data-delay=""> <div class="wpb_wrapper"> <div class="vc_row wpb_row vc_inner vc_row-fluid"><div class="wpb_column vc_column_container vc_col-sm-12 vc_hidden-sm vc_hidden-xs"><div class="vc_column-inner"><div class="wpb_wrapper"><div class="vc_empty_space" style="height: 1px" ><span class="vc_empty_space_inner"></span></div> 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