Real Crowdlending Returns: Examples and Calculations - Rentabilidad real en crowdlending: ejemplos y cálculos

Calculating real profitability in crowdlending is essential to understand how much you are truly earning beyond the theoretical interest rate. In this article, I explain how to determine it and show examples adjusted to the real returns you are obtaining on platforms such as Maclear, Mintos, Twino, Debitum, Ventus Energy, Urbanitae, Wecity, Civislend, and Hive5.

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📌 What is real profitability in crowdlending?

Real profitability is the effective return you receive after considering:

• 📉 Delays and assumed risks
• 🏦 Fees (if any)
• 💸 Taxes (optional in the calculation)
• ♻️ Repayment schedule and payment frequency

It is the most important metric to know whether your investments are working or if you need to adjust your strategy.

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🧮 Basic formulas to calculate profitability

For a general estimate, use:

Real Profitability (%) = ((Final Capital – Initial Capital) / Initial Capital) × 100

To annualize it:

Annualized Profitability (%) = (Final Capital / Initial Capital)^(12 / months) – 1

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📊 Real returns by platform

Below you will see the approximate real returns we are obtaining, along with examples of how they would affect a standard €1,000 investment.

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🏦 Maclear — Real Return: 14.5%

Example:

• Invested Capital: €1,000
• Real Return: 14.5%

Actual Gain: €145

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🌍 Mintos — Real Return: 10.5%

• Invested Capital: €1,000
• Real Return: 10.5%

Actual Gain: €105

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💼 Twino — Real Return: 12%

• Invested Capital: €1,000
• Real Return: 12%

Actual Gain: €120

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🏗️ Debitum — Real Return: 13%

• Invested Capital: €1,000
• Real Return: 13%

Actual Gain: €130

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⚡ Ventus Energy — Real Return: 16%

• Invested Capital: €1,000
• Real Return: 16%

Actual Gain: €160

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🏙️ Urbanitae — Real Return: 11.5%

• Invested Capital: €1,000
• Real Return: 11.5%

Actual Gain: €115

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🏢 Wecity — Real Return: 11.5%

• Invested Capital: €1,000
• Real Return: 11.5%

Actual Gain: €115

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🏗️ Civislend — Real Return: 11%

• Invested Capital: €1,000
• Real Return: 11%

Actual Gain: €110

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🏦 Hive5 — Real Return: 15%

• Invested Capital: €1,000
• Real Return: 15%

Actual Gain: €150

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📌 Global Comparison of Real Returns

For a more detailed comparison, you can check our analysis of Crowdlending Platforms Comparison

Platform	Real Return
Maclear	14.5%
Mintos	10.5%
Twino	12%
Debitum	13%
Ventus Energy	16%
Urbanitae	11.5%
Wecity	11.5%
Civislend	11%
Hive5	15%

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🚀 What Do These Results Tell Us?

The figures show the approximate return we are achieving:

This suggests:

• 📈 Good diversification across project types.
• 📊 Proper selection of platforms with high risk-adjusted returns.
• ♻️ Likely reinvesting interest, boosting growth.

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📌 Tips to Continue Improving Real Returns

• 🔍 Track delays and buybacks monthly.
• 🤖 Use Auto-Invest to maintain discipline.
• 📚 Continue diversifying across platforms with different risk profiles.
• 📈 Reinvest interest whenever possible.
• 💼 Consider balancing high-return platforms with more stable ones.

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🎯 Conclusion

With returns between 10% and 16%, our crowdlending portfolio is performing at a highly competitive level. Calculating real return allows you to objectively compare platforms and adjust your strategy to continue optimizing performance.

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✨ Frequently Asked Questions (FAQ)

What is a good real return in crowdlending?
Anything above 8–10% per year is generally considered excellent, depending on risk.

Should I include taxes in these calculations?
Only if you want to obtain your personal net return. Each investor has a different case.

Is it normal for platforms to offer >14%?
Yes, especially in business, energy, or higher-risk loans.

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