What it is
Fundeen is a Spanish crowdfunding platform for renewable energy, run by FUNDEEN PLATFORM, S.L. Private investors co-finance solar parks, wind farms, battery storage and electric-vehicle charging networks. It reports more than €46 million co-invested by more than 21,000 people in 42 operations, and more than €5.0 million of profits paid out to investors (as of 1 November 2026).
How it works
You choose each project yourself, from €500. Most projects are loans to the project's promoter at a fixed rate, either senior debt (paid first) or subordinated debt (higher rate, more risk); some are shares in the project company, where you earn according to its results. Fundeen grades each project from A+ (lowest risk) to F (high). For example, the SunDrive charging-point loan, open in November 2026, pays 9.25% a year for 5 years, is graded D (medium-high), and capitalises the interest in the first year before paying every two months. If a project does not reach its minimum, the money returns to your wallet at no cost.
Returns
Fundeen advertises an average return of 7% to 10% a year (as of 1 November 2026). This is a marketing range: no realised or average return on its past projects is published. The six most recent funded projects carried target rates of 7% to 9.5% a year for 2 to 5 years. The platform says its rates are estimates based on projected energy income, inflation and project costs. Its figure of more than €5.0 million paid out cannot be turned into a yearly rate because the timing is not published.
Losses and defaults
No default, late-payment or loss figure is published on the public site (checked 1 November 2026), although licensed EU crowdfunding providers must publish default rates. We found no public report of delays. Without these figures, how past projects have performed cannot be checked.
What secures your money
Security is set project by project and is shown in a dossier only to registered users. The public pages show some loans backed by a guarantee from the promoter's group: the Can Cerdó II solar-and-battery loan (8%, 2 years) carried a first-demand corporate guarantee. A guarantee depends on the guarantor's finances and is not collateral; the public pages name no mortgage or pledge. There is no buyback or reserve fund. Shares in project companies are not secured at all. The platform says its project checks reduce risk but do not remove it.
Who runs it and its licence
The platform is run by FUNDEEN PLATFORM, S.L. (tax number B-87884896), Spain. It is authorised and supervised by the Spanish securities regulator (CNMV) as a crowdfunding service provider under Regulation (EU) 2020/1503 and Spanish Law 18/2022, entered as number 3 in the CNMV register of crowdfunding platforms. The projects themselves are not approved by the CNMV. Complaints not resolved within two months can go to the CNMV's complaints service.
Fees
Fundeen says it charges no direct fees to private investors for joining its open projects, and registration is free (November 2026). Fees paid by project promoters are not published.
Getting your money out
Loans are repaid over their term, usually 2 to 5 years, with profits generally paid twice a year or, for some projects, every two months. To leave early you can offer your stake on Fundeen's secondary market, a notice board where investors find buyers. The platform says it is not a regulated market and does not guarantee liquidity: a sale needs another investor willing to buy.
Our view
Return: High — Fundeen advertises 7% to 10% a year and recent projects carry 7% to 9.5%, but nothing realised is published. Risk: High (higher means more risk) — it is licensed and reports €46 million+ invested, but publishes no default or loss figure, and security is a guarantee in some loans rather than collateral. Risk-return: Low — only an advertised range is known against that risk.
CNMV (Spain): FUNDEEN PLATFORM, S.L. (NIF B-87884896) is authorised as a crowdfunding service provider under Regulation (EU) 2020/1503 and Law 18/2022, entered as number 3 in the CNMV Register of Crowdfunding Platforms. The projects published are not authorised or reviewed by the CNMV or the Bank of Spain. No deposit guarantee or investor compensation scheme covers the investments.