REAL ESTATE CROWDFUNDING / CROWDLENDING

1. Mintos

Mintos is the largest P2P investment platform in Europe, with over 500,000 investors. Founded in 2015 and regulated by FCMC in Latvia, it offers average returns of 10% – 12% with buy-back guarantee on most loans.

  • 💰 Average return: 10% – 12%
  • ⚖️ Regulated by: FCMC (Latvia)
  • 📆 Since: 2015
  • 🛡️ Buy-back guarantee: Yes
  • 📈 Default rate: Very low

2. Urbanitae

Urbanitae is one of the largest real estate crowdfunding platforms in Spain. Fully regulated by the CNMV since 2019, it offers high-value projects with an average annual return of 10% – 17% and minimum tickets from €500.

  • 🏗️ Investment type: Real estate
  • 💰 Average return: 10% – 16%
  • ⚖️ Regulated by: CNMV (Spain)
  • 📆 Since: 2019

3. Wecity

Wecity is a Spanish real estate crowdfunding platform regulated by the CNMV. Since 2020 it offers investments in selected real estate projects with returns up to 15% annually, high transparency, and rigorous selection criteria.

  • 🏢 Investment type: Real estate
  • 💰 Average return: 10% – 15%
  • ⚖️ Regulated by: CNMV (Spain)
  • 📆 Since: 2020

4. Civislend

Civislend is a pioneering platform in Spanish real estate crowdlending, regulated by the CNMV since 2016. It offers returns between 8% and 12% on selected projects, with a solid track record without incidents.

  • 🏘️ Investment type: Real estate
  • 💰 Average return: 8% – 12%
  • ⚖️ Regulated by: CNMV (Spain)
  • 📆 Since: 2016

5. Indemo

Indemo is a modern P2P crowdlending platform with buy-back guarantee and an average return of 11% – 13% annually. Founded in 2022 and regulated in Latvia, it combines technology and security in all its loans.

  • 💸 Investment type: P2P Crowdlending
  • 💰 Average return: 10% – 13%
  • 🛡️ Buy-back guarantee: Yes
  • ⚖️ Regulated in: Latvia
  • 📆 Since: 2022