The MOBA Accelerator is the first cooperatively owned transnational financing instrument for community-led housing in Central and Southeastern Europe.
The Accelerator is building a shared revolving credit pool providing bridge loans to community-led housing projects – the kind of financing conventional banks rarely provide at the moments projects need it most.
Bridge loans help projects secure sites or buildings, begin (re)construction and reach operational stability. Once projects generate stable rental income, long-term financing replaces the bridge loan, allowing capital to return to the Accelerator and support other projects.
Building the first €1 million risk layer
MOBA and its partners are building an initial €1 million catalytic capital layer through donations and solidarity-based contributions, designed to unlock larger flows of finance – including ethical, institutional and public finance.
The first €127,500 has already been secured through private donations and solidarity-based contributions.
Breaking the housing deadlock requires reclaiming finance.
What makes it different?
- Cooperative ownership and permanent affordability
- Shared transnational infrastructure instead of isolated projects
- Revolving finance supporting multiple future projects
- Opening pathways for public and ethical finance
NOW EMERGING: GANZ 81, Budapest
Developed by MOBA members ACRED and the Foundation for Housing the Youth, Ganz 81 is the first student housing cooperative of its kind in Central and Southeastern Europe.
The 900 m² project will create permanently affordable housing and shared spaces for around 50 students from the College for Advanced Studies in Social Theory (TEK), alongside spaces for community and solidarity economy activities.
With a total investment of approximately €1.4 million, the project has already received support from the MOBA Accelerator for the building down-payment.
The next step is the first full bridge loan needed to bring the project to life.
Get involved!
The question is no longer whether community-led housing can work.
The question is whether finance can become bold enough to support it.
With the Accelerator, what began as a regional response to structural absence is becoming a model with relevance far beyond Central and Southeastern Europe.
As housing systems across the world face deepening inequality and financialization, new alliances are emerging between cooperatives, municipalities, public institutions, ethical finance actors and foundations, working to secure housing as a social good rather than a speculative asset.
The MOBA Accelerator is part of this wider shift: building financial structures for long-term, cooperative and permanently affordable housing.
Contact us at accelerator@moba.coop or dare to give a gift that keeps on giving!