Civislend is the leading real estate crowdlending platform in Spain, authorised and supervised by the CNMV since 2017 (registered as a PFP on 6 October 2017 and updated to PSFP status in October 2023 under EU Regulation 2020/1503, registration number 8 in the CNMV Official Registry).
The platform connects professional property developers who need financing for residential and mixed-use real estate projects with investors who lend money in exchange for a fixed return over a defined term, typically secured by first-rank mortgage guarantees, parent-company guarantees, or pledges over SPV shares.
Since launch, Civislend has funded more than 170 projects in Spain and Portugal, raising over 320 million euros, with average annual returns of around 11% in 2025 over terms typically ranging from 12 to 18 months. The minimum investment ticket is 250 euros, making real estate investment accessible to retail investors alongside institutional-scale participants.
Civislend's unique selling points include rigorous due diligence and project monitoring before and during the loan term, real asset-backed guarantees, full transparency through annual audited accounts published on the CNMV website, and a free-to-use account with no fees for depositing or withdrawing funds.
License / Regulation: Civislend is registered with the CNMV under number 8 in the Official Registry of Crowdfunding Service Providers
14 people with strong background in analytics in real estate, marketing, investment relationships and financing.
Financed projects are typically secured by first-rank mortgage guarantees over the asset, parent-company guarantees, and/or pledges over SPV shares, depending on the project.
Ongoing monitoring is carried out through independent project/construction monitoring, with disbursements released according to certified work progress.
No cost. Is free of charge.
Before publishing any project, Civislend carries out a thorough feasibility and due diligence analysis covering the developer's track record, the underlying asset, and the project's financial structure.
A key metric used is the Loan-to-Value (LTV) ratio: the loan granted to the developer typically represents around half of the asset's appraisal value, providing a margin of security for investors.
Financing is disbursed in tranches according to certified construction progress, verified through independent project monitoring, to ensure funds are used as intended throughout the build.
