Real estate crowdfunding platforms
Real estate crowdfunding platforms offer access to property projects across Europe, often with minimum investments starting at just 50 euros and average yearly returns of 10 percent or more. We reviewed some of the most popular platforms, explain how they work and show how investors can compare them.
Contents:
- Popular real estate platforms
- Why invest in real estate projects
- How do platforms work?
- Comparing platforms
Please note: investing through crowdfunding platforms involves risks. You can (partially) lose your investment.
Property crowdfunding platforms in Europe
Real estate crowdfunding platforms give investors access to property backed loans across Europe. Below, you can find a selection of some of the biggest and best real estate crowdfunding platforms active in Europe.
Offers multiple investment options, including real estate projects that generate rental income and potential capital gains. Alongside real estate, it is market leader in P2P lending with an average return of 11.3% on Core Loans. Also provides access to selected bonds and ETFs.
- editorial team's preferred platform
- 11+ billion euros funded since its launch in 2015
- real estate notes linked to rental properties
- European market leader in P2P lending
- secondary market
- MiFID II license
Real estate crowdfunding platform, based in Riga, Latvia, where you can invest in the agricultural sector in Latvia, Lithuania, Romania and Poland. You fund farms that need to buy land, machinery or livestock, for example. Average annual return for investors: 11 to 12 percent.
- focused on agricultural loans
- average LTV ~45 percent
- average loan term ~18 months
- minimum investment: 50 euro
- auto-invest feature & secondary market
- ECSP licence in Latvia (Latvijas Banka)
You invest in defaulted mortgage loans from Spain, that have been purchased at a discount. You invest in legal processes and enforcement, not in credit risk. Returns come from successful recoveries. They can be very high, but are also unpredictable.
- platform active since 2023
- reported returns: 22+ percent per year
- low correlation with other P2P investments
- no interim cash flow or secondary market
- 17,000+ registered investors
- MiFID II licence (regulated in Latvia)
EstateGuru is a real estate investment platform from Estonia, founded in 2014. You can invest in short-term real estate loans in different European countries. Investments start from 50 euros. The platform went through some difficult years, but its new strategy now seems to be working well.
- wide offering across 8 countries
- all loans secured by real estate collateral
- auto-invest feature by LTV, interest rate, or region
- in-house fund with expected return of 7 percent
- secondary market
- ECSP license (Estonia)
Inrento is a young Lithuanian platform for investing in rental real estate (buy-to-let). You invest in rental apartments, small shops, offices, or short-term rentals such as co-living and Airbnb units. You earn rental income and potential profit on sale. Projects are backed by a mortgage.
- started in 2020, recently reached 100M in total volume
- active in Lithuania, Poland, and Spain
- average return: 11.7 percent
- secondary market
- Best LendTech company 2025 (European FinTech Awards)
- European ECSP license granted in Lithuania
A European crowdfunding platform focused on the agricultural sector, active in the Baltic States, Poland, Bulgaria, and Portugal. It finances working capital, machinery, and sustainability projects, such as CO2 storage. Investors can earn an average annual return of over 12 percent.
- focus on agriculture
- loans secured by land or equipment
- projects for carbon credits
- auto-invest feature & secondary market
- 15K+ registered investors
- ECSP license (Lithuania)
Stock.Estate is a new investment platform focused on real estate financing. It launched in 2024 and operates from Romania. You invest in short-term loans for property developers, with high interest rates (around 14.5 percent on average) and relatively short durations.
- launched in 2024, still a limited track record
- interest rates up to around 20 percent per year
- projects with first mortgage security
- no auto-invest, only manual investing
- many projects in development or renovation phase
- ECSP license, supervised by ASF (Romania)
Nordstreet is an international crowdfunding platform specializing in real estate projects with a Loan-to-Value (LTV) up to 75 percent. Investments start from 50 euros and the average return ranges between 12 and 12.5 percent. Founded in 2017, it is based in Lithuania.
Crowdpear is a Latvian crowdfunding platform for real estate, renewable energy and business projects. The platform was launched in 2022 by PeerBerry. It has financed 500+ projects, with a total amount of almost 50 million euros. The average return of investment is 10,6 percent.
- spinoff of PeerBerry (p2p platform)
- 3 out of 4 projects are based in Lithuania
- most loans secured with a first-rank mortgage
- secondary market
- ECSP license (Bank of Lithuania)
Brickstarter was founded in 2017 and specializes in vacation rental properties. You can invest on the platform with a minimum amount of 50 euros. With funds from different investors the platform renovates and manages property, eventually renting and reselling it for profits.
Letsinvest is a crowd-investing platform from Lithuania. You can start investing from 100 euros in commercial and residential developments. The average annual return is 9,41 percent. You can directly invest, buying into the equity of rental business or invest into bonds.
Profitus, based in Lithuania, is one of the fastest growing crowdfunding platforms for real estate-backed investments and business loans. You can start investing from 100 euros. The average return of investment is 12,14 percent (last updated: June 2024).
Fintown is a p2p platform where you can invest in private real estate projects in or around Prague, with an average interest rate of 12%. The owners of the platform also invest in the available projects themselves.
- focus on rental properties
- co-invests 20 percent in every project itself
- powered by Vihorev Group
- no ECSP-license
Large crowdfunding platform from Hamburg, Germany, focused on real estate and renewable energy. It offers debt-based investments with fixed interest and equity-based investments with profit sharing. So far, it has funded over 600 projects worth more than 1,17 billion euros.
- debt (loans) and equity (co-ownership) projects
- including renewable energy projects
- secondary market
- ECSP license (Germany)
Why invest in real estate projects
By investing in real estate you can generate income through rent or rising property values. You can do this by buying and managing properties yourself, but this requires large amounts of capital, time and knowledge. Today, many investors use real estate crowdfunding platforms instead.
Real estate platforms let you invest small amounts into property loans, development projects or real estate funds. This makes it easier to start investing.
You can easily spread your investments, while still benefiting from the possible returns, such as interest payments, rental income or rising property values.
How do real estate investment platforms work?
Real estate investment platforms let you invest through an online account. Each loan or project can be backed by multiple investors. Therefore, you can start with a low minimum investment.
Platforms usually provide project information, expected returns and risk data. Regulated platforms also perform checks on both investors and property companies before projects are listed.
After creating an account, you can deposit funds and invest directly through the platform. With some platforms you earn money when the properties get sold, but on most platforms you earn returns through a fixed interest.
How to compare investment platforms
Real estate crowdfunding platforms can be difficult to compare. First, look at ease of use. Check whether you can invest through an auto-invest feature, whether the platform offers a secondary market for early exits, and which withdrawal options are available.
Also look at the countries where the platform operates. In Europe, platforms can operate under the ECSP regulation. This means investor funds must be separated from the platform’s working capital, and published statistics, such as default rates, are more standardized and easier to compare. Outside Europe, rules differ and this level of transparency is less certain.
Types of investments
Although all platforms work with real estate, the type of investments differ a lot. Mintos, for example, mainly offers investments in rental properties. You do not directly finance a property loan, but buy a note or security linked to a real estate asset. Returns mainly come from rental income. This is closer to passive property investing.
Platforms such as LANDE and InSoil focus on agricultural projects. This can help investors diversify across different sectors. Most other platforms focus on development loans or business loans secured by real estate. In these cases, returns depend heavily on whether the choices the developer or entrepreneur makes after getting the money. If the borrower makes poor decisions, problems that result in losses can happen more quickly.
Returns
Returns on the investment are probably your main goal. Most projects work with interest rates, and thus are these another important factor. Platforms from the Baltic States often offer higher average returns than platforms in Western Europe.
However, higher potential returns usually come with higher risks. INDEMO is a good example. Projects can offer strong returns, but because investments depend on legal recovery processes, it is often difficult to predict in advance whether those returns will actually be achieved.
Trackrecord and defaultrates
Finally, look at the platform’s track record and check whether it publishes detailed statistics. In many cases, a platform needs at least 50-100 million euros in funded investments before you can properly judge its loan selection quality. Pay close attention to the percentage of loans with payment delays, and how many loans have entered default or recovery.
