AI-Powered Analysis: StockCrowd IN Platform

StockCrowd IN Overview 🌟

StockCrowd IN is a Spanish P2P crowdfunding platform (mostly real estate and SME loans) that matches investors with developers and companies. It’s regulated under EU crowdfunding law, authorized by CNMV (Spain’s securities regulator) as a Participative Finance Platform (nº24). The site highlights past performance (e.g. ~€126.2M financed over ~903 projects) and average yields (historical ~10% for real estate, ~6% for business projects). Advantages include a vetted deal pipeline (strict risk review) and CNMV oversight of the platform. Main risks include credit losses and illiquidity: there is no deposit insurance or buyback guarantee, and investments can be illiquid (no active secondary market).

StockCrowd IN Product Overview💼

StockCrowd IN offers crowdlending and equity in Spanish projects. Promoters raise funds via (1) equity raises (“ampliaciones de capital”), (2) participative loans (repayment linked to project cashflows), or (3) fixed‑interest loans (principal + interest). Real estate projects (residential, offices, hotels, etc.) and established SMEs (with >€1M turnover) can borrow on the platform. Investors earn interest or profits from project success; the platform reports historical weighted returns ~10.16% (inmobiliario) and ~6.44% (empresarial). Typical terms are short‑medium (often ~12 months; the blog cites ~10–12 months on average). Minimum investments range from ~€100–€500 (per project). Major risks are credit defaults (projects may fail), lack of liquidity (no secondary market), and no government/investor guarantee (investors may lose principal).

Company Overview🏢

StockCrowd IN was founded in 2018 by Sergi Pallarès and Mireia Badia (CEO). It operates under StockCrowd Platform, S.L. (Madrid-based SL) and a sister entity StockCrowd PFP, S.L., both CNMV-registered (nº19 and nº24). It is part of StockCrowd Technologies group, a fintech with €50M+ in software-facilitated fundraisings and offices in 5 countries. Key staff include the founders and an advisory board; notable partners/backers include payment processor Lemonway and cybersecurity firm Comodo (see site’s “Colaboradores”). StockCrowd IN is regulated as a Participative Finance Platform (CNMV PSFP #24 since 2018), and follows Spanish/EU rules for crowdfunding. It is not a bank or broker and has no deposit insurance; funds are held in segregated accounts (Lemonway) under Banco de España oversight.

Company Volumes and Results 📈

According to the platform’s stats (data ~2023–2024), StockCrowd IN has financed ~€126.16M across 903 projects. About €88.20M has been repaid to investors so far, with an overall average loan term ~12 months. By late 2020 the platform had ~19,000 registered users and ~1,000 active investors (no recent public update of investor count). Reported default/overdue rates are very low: as of 2023 there were essentially zero defaults in real-estate loans and only 2 small-business loans (≈€146K) in default. (One property loan was briefly >30 days late in 2023.) Thus loss rates are near 0% by portfolio value. Average investor returns depend on the deal, but historically returned portfolios yield ~9–10% (as reported mid-2020). In sum, key metrics (updated 2023) are: ~€126M funded, 903 projects, ~12 m avg term; nearly 0% historical default rate.

Risk Approach and Management 🔍

StockCrowd IN applies a rigorous risk review for each deal. Opportunities undergo a multistage “onboarding” process (pre-screen, analysis, risk committee). The platform reportedly rejects a majority of potential projects. Underwriting includes thorough financial/legal due diligence, scoring and ratings for developers/projects, and “value-add” analysis (often in partnership with AIS Group for AI-driven credit scoring). For real-estate loans, the risk model uses big-data on developers and computes separate ratings for promoter, project and overall deal. Approved loans are then formalized via notarized contracts and are monitored by an Operations/Risk team through maturity. Portfolio-level metrics (published on the site) show very low delinquency rates (0% impagos in 2023), indicating conservative selection. Sector filters apply: vertical-specific criteria for real estate vs. SMEs are used. Ongoing monitoring includes periodic project updates and legal covenants, though there is no external credit rating agency oversight. Overall, the risk framework aims to “generate trust” by filtering opportunities with professionalism and objectivity.

Platform Functionality ⚙️

The website is primarily Spanish-language (Euro currency only) and offers a user dashboard for investors. Auto-invest is not available; all funding is manual. Likewise, no secondary market exists, so investments must be held to term. Projects are grouped by type, lender (inmobiliario vs. empresas), and risk grade (the platform uses internal ratings). Payment deposits go through LemonWay (segregated e-wallet). There are no buy-back guarantees – as usual for real-estate crowdlending, each loan’s collateral is disclosed but there is no repurchase clause. Supported payment methods include bank transfer, card or PayPal. Key dashboard features: investors see their portfolio summary (invested, expected interest, due dates). Reports (income statements with interest) can be downloaded for taxes. Inversores trade only in Euros; the portal’s content is in Spanish (no English version). In summary, the site works as a straightforward crowdfunding marketplace with no automated or secondary‑market tools.

StockCrowd IN Platform Pricing 💰

StockCrowd IN charges no fees to investors. There are zero account, entry or exit fees and no custody fees. Withdrawals (at maturity) incur no charge. (The LemonWay wallet also does not deduct investor fees.) All platform/processing fees come from the borrower/promoter side. Promoters pay a success fee (% of funds raised on a successful campaign, deducted before funds release). There may also be a setup+monthly fee for using the tech platform, and a gateway fee (passed through to the payment provider). These promoter fees are either built into project costs or explicitly disclosed to investors. For equity or participative loans, additional management and success fees (charged by promoters or managers) may apply. All applicable fees are transparently listed in each project’s documentation and on the site’s Pricing page. In short: investors themselves pay no trading or maintenance fees; costs are borne by issuers and are clearly itemized.

StockCrowd IN Negative Publicity ⚠️

We found no major regulatory sanctions or scandals for StockCrowd IN. However, some user complaints have arisen. A handful of Trustpilot reviews praise the platform’s reliability (e.g. one investor reported “0% delays and 0% defaults” after 5 years). Conversely, at least one 2025 review claimed very high losses (“half of my investments are in default”). Public forums note the platform’s liquidity limitations – specifically the absence of an active secondary market and autoinvest feature. The SumaInversión blog also highlights that critiques focus on these issues, especially for corporate (non-real-estate) loans. We did not find any news of failed projects or legal troubles directly tied to StockCrowd IN. (The negative trustpilot comment above may conflict with official stats.) Regulators have not issued warnings against StockCrowd IN. In summary, criticisms center on illiquidity and limited project volume; no evidence of fraud or regulatory action appears.

StockCrowd IN Success Stories 🏆

StockCrowd IN has grown substantially in recent years. Notably, it merged with Grow.ly (an established Spanish SME lending platform) in 2022, combining their portfolios and expanding its offering. The group boasts €50M+ raised for clients via its tech solutions and has offices in 5 countries. As of 2020 it had financed 40+ projects and was returning ~€4M to investors, but by 2024 totals are much higher (see Volumes). Key milestones include CNMV registration in Apr 2018 (PFP #24), and EU passporting approval in Dec 2023. The platform also engages in industry events: e.g. it had a visible presence at SIMA Madrid 2024 (major real-estate fair) to showcase its model. In 2024, co-founder Mireia Badia (CEO) was recognized with a business award (Grow.ly/StockCrowd won the “Excellent Business Project” prize). User exits per project vary, but the platform reports several completed loans with full repayment. Overall, StockCrowd IN’s trajectory (mergers, CNMV stamp, thousands of investors, millions of € financed) suggests steady growth and industry recognition.

Is StockCrowd IN safe and regulated?

Yes, the platform is authorized by CNMV (Spain’s regulator) as a PFP (#24). Investor funds are kept in a segregated LemonWay account (under Banco de España supervision). However, note it is not a bank or brokerage, and there is no government deposit insurance or buyback guarantee. (The platform itself has robust due diligence, but investments carry risk.)

What returns can I expect?

Returns vary by project. Historically, real-estate loans have averaged ~10% annualized and SME loans ~6%. The platform’s own data shows a weighted historic yield ~10.6%. Each project lists its expected profit (total or IRR). Actual returns depend on project success and are not guaranteed.

What are the main risks?

As the site emphasizes: you could lose some or all capital. Project defaults or delays can occur. Investments are illiquid (see above). There is no professional oversight of individual projects (CNMV doesn’t vet each loan), so you rely on the platform’s credit analysis. Other risks include platform failure (never happened) or regulatory changes. In short, the main risks are credit loss and illiquidity, so diversify and invest only what you can afford to lose.