CIVISLEND

 The real estate sector has always been a safe haven for investors, but in recent years more accessible and flexible models have emerged thanks to financial technology. One of them is real estate crowdlending, which allows lending money directly to developers in exchange for a fixed interest.

Within this sector, Civislend has become one of the most relevant platforms in Spain, offering a way to participate in the real estate market without buying properties or being involved in their direct management.

In this guide, we will see what Civislend is, how it works, its features, and what its advantages and disadvantages are as an investment tool.

📌 What is Civislend?

Civislend is a Spanish crowdfunding platform specialized in real estate crowdlending.

Its model connects developers and builders who need financing with individual or institutional investors who provide the necessary capital. In return, investors receive a fixed interest agreed upon from the beginning, without depending on the sale of the property.

Founded in 2016, Civislend is authorized and supervised by the CNMV and complies with Law 5/2015 on Business Financing Promotion, providing a regulated and safe framework for operations.

⚙️ How does Civislend work?

The investment process in Civislend follows these steps:

1. Project selection
   • Civislend analyzes and approves developers’ proposals, evaluating factors such as feasibility, team experience, and guarantees.
2. Publication on the platform
   • Each project includes detailed information: requested amount, repayment term, interest rate, risks, and type of guarantee (mortgage, personal, etc.).
3. Capital contribution by investors
   • Registered users can invest from small amounts (usually from €250).
4. Project financing
   • Once the required amount is reached, the loan is formalized and funds are delivered to the developer.
5. Interest collection and capital repayment
   • During the agreed term, the investor receives the agreed interest and, at the end of the period, recovers the invested capital.

🏗 Types of projects in Civislend

In Civislend, two types of loans predominate:

1. Loans with mortgage guarantee

• Backed by a mortgage on the real estate asset.
• Greater security for the investor in case of default.

2. Loans with personal guarantee

• Backed only by the solvency of the developer.
• They usually offer higher interest due to greater risk.

⭐ Key features of Civislend

• Regulation: Supervised by the CNMV and registered as a crowdfunding platform.
• Minimum investment: Usually from €250.
• Fixed interest: Predetermined return not dependent on the sale of the property.
• Diversification: Access to multiple projects in different locations and terms.
• Short or medium terms: Usually between 6 and 36 months.
• Guarantees: Some loans are backed by mortgages.

✅ Advantages of investing in Civislend

• Predictable income: Interest is known from the start.
• Low entry barrier: Possibility to invest with small amounts.
• Regulation and supervision: Greater legal security.
• Easy diversification: Invest in multiple projects to spread risk.
• Reviewed projects: Civislend filters and validates each operation before publishing.

⚠️ Drawbacks and risks to consider

• Default risk: If the developer does not repay the loan, the invested capital may be affected.
• Limited liquidity: Capital is locked until loan maturity.
• Not a guaranteed investment: Even with guarantees, legal processes can delay money recovery.
• Dependence on the real estate market: If the sector suffers, risks increase.

📊 Ideal investor profile in Civislend

Civislend is suitable for:

• Investors seeking fixed and predictable returns.
• Those who prefer short or medium terms.
• People wanting to diversify in the real estate sector without buying properties.
• Investors with moderate risk tolerance and knowledge of crowdlending.

🏁 Conclusion

Civislend is an attractive alternative for those who want to generate fixed returns in the real estate sector through direct loans to developers.

Its low minimum entry amount, official regulation, and access to different projects make it an interesting tool within a diversification strategy.

However, as with any investment, risk exists, and it is important to analyze each project, diversify across several, and not invest more than you are willing to lose.

💡 Final tip: Always review the guarantees offered, the developer’s experience, and spread your capital across several projects to minimize risks.