Fundeen Review

Business loans, Solar and wind · Spain · since 2017 · 1.0 (1 review)

Reviewed by Eugene Sokolovs, figures checked 3 Nov 2026

Spanish platform for loans to, and shares in, solar, wind and EV-charging projects from €500, licensed by the CNMV (register no. 3). It reports €46 million+ invested in 42 operations, but publishes no default or realised-return figures (November 2026).

Risk level
High
Crowdinform rating
Advertised rate
10% a year
What the platform offers, not what investors got
Start from
€500
Regulated
Yes
Licence details below
  • Can sell early

Capital at risk. Past returns do not predict future returns; a borrower can pay late or not at all.

Returns and risk

How we set these levels

Risk level

High

Higher means more risk. Fundeen is a licensed EU crowdfunding provider with 42 operations and more than €46 million invested, but it publishes no default, late or loss figure. Security varies by project and, where shown, is a guarantee from the promoter's group rather than collateral.

Return level

High

The platform advertises an average return of 7% to 10% a year, and recent projects carry 7% to 9.5% (November 2026). No realised figure is published.

Risk for the return

Bad

Only an advertised range of 7% to 10% a year is known (November 2026); without default or realised figures the return cannot be weighed against actual losses.

Returns up to
10% a yearFundeen advertises an average return of 7% to 10% a year (as of 1 November 2026). This is a marketing range; no realised return is published. The six latest funded projects carried target rates of 7% to 9.5% a year for 2 to 5 years.

Capital at risk. Past returns do not predict future returns; a borrower can pay late or not at all.

Statistics

Last updated 3 Nov 2026

€46M
funded since 2017
42
projects funded
21,000
investors

Figures as the platform publishes them.

Pros and cons

Pros

  • Authorised by the Spanish regulator CNMV as an EU crowdfunding provider, number 3 in its register of crowdfunding platforms.
  • Reports more than €46 million co-invested by more than 21,000 people in 42 renewable-energy operations (November 2026).
  • A secondary-market notice board lets you offer your stake to other investors before the end of the term.
  • Recent projects carry target rates of 7% to 9.5% a year, with no direct fees for private investors (November 2026).

Cons

  • No default, late or loss figure is published on the public site (checked 1 November 2026), although EU crowdfunding rules require default rates.
  • The 7% to 10% average return is a marketing range; no realised return on past projects is published.
  • Where security is shown, it is a corporate guarantee from the promoter's group (e.g. Can Cerdó II), not a mortgage or pledge; there is no buyback or reserve fund.
  • The secondary market is a notice board, not a regulated market: a sale needs a buyer, and loans run 2 to 5 years.

How it works

For investors

Minimum
€500
Currencies
EUR
Languages
English, Spanish
Can sell early
Yes
Limits
Individuals aged 18 or over resident in the European Union, and companies domiciled in the EU. Minimum €500 per project. Non-experienced investors get a reflection period of four calendar days after an offer or expression of interest, during which they can withdraw.

For borrowers and companies

Security
Security is set project by project and shown in a dossier only to registered users. Some loans are 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. Debt can be senior (paid first) or subordinated (paid after other lenders). There is no buyback or reserve fund. Shares in project companies are not secured. No figures on recoveries are published.

About and licence

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.

Licence

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.

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Questions people ask

Is Fundeen regulated?

Yes. The Spanish securities regulator (CNMV) authorises FUNDEEN PLATFORM, S.L. as a crowdfunding service provider under Regulation (EU) 2020/1503; it is number 3 in the CNMV register. The individual projects are not approved by the CNMV.

Who holds my money?

Your cash sits in a wallet in your own name at Mangopay, a payment institution, until you invest it. Once invested, it is lent to the project promoter or held as shares in the project company.

What is the minimum investment?

€500 per project. Individuals aged 18 or over resident in the EU, and EU companies, can register.

What returns, and what losses so far?

Fundeen advertises an average return of 7% to 10% a year, and its latest projects carry 7% to 9.5% (November 2026). It reports more than €5.0 million paid out to investors, but publishes no realised return, default rate or loss figure, so past results cannot be checked.

What secures my investment?

It depends on the project and is set out in a dossier for registered users. Some loans have a corporate guarantee from the promoter's group, such as Can Cerdó II. The public pages name no mortgage or pledge, and there is no buyback or reserve fund. Shares are not secured.

Can I sell early or withdraw?

You can offer your stake on Fundeen's secondary market, a notice board linking sellers and buyers. It is not a regulated market and does not guarantee liquidity: you need another investor to buy. Otherwise you wait until the loan is repaid, usually 2 to 5 years.

What fees do I pay?

None directly. Fundeen says it charges private investors no direct fees for joining open projects, and registration is free. If a project fails to raise its minimum, your money returns to your wallet at no cost.

What happens if Fundeen or a project fails?

Your loans and shares are claims on the project companies, not on Fundeen, and your cash is held at Mangopay. If a project fails you depend on its security or guarantee and on recovery, and no compensation scheme covers the loss. The platform says it has a plan so that existing investments continue to be managed if it stops operating.

How are earnings taxed?

That depends on your own tax situation and country. For Spanish tax residents, the platform gives guidance on how interest and gains are declared; investors elsewhere should follow their own tax rules.

Ratings and reviews

Write a review
1.0 (1 review)
Offering quality
1/5
Services and support
1/5
Functionality
1/5
Transparency
1/5
  • Berta ★★★★★ 29 Dec 2025

    Mi dinero está bloqueado; no quieres dármelo.

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