CreditShare Review

What it is

CreditShare is a small Czech platform, based in Prague, where you lend money to Czech property developers in loans secured by a mortgage. It is run by CREDITSHARE s.r.o. and states that it holds a crowdfunding licence from the Czech National Bank. It has listed five projects so far; three have been funded and two repaid. No offer is open right now: on 30 October 2026 the offers page said the next opportunities are being prepared.

How it works

You lend from CZK 500 (about €20) to a specific development project at a fixed rate, for 6 to 36 months. Each project needs a financial analysis and a valuation, usually by a court-registered expert, and approval by the company's board; the loan-to-value ratio (how large the loan is compared with the property's value) is shown on each deal. You sign up through Czech Bank iD, so in practice you need an account at a participating Czech bank.

Returns

CreditShare advertises a fixed 7% to 10% a year. The deals actually offered paid 7.9% to 8.5%; the most recent ones pay 8% (October 2026). A yearly platform fee of 0.75% is taken from what you receive, so an 8% deal pays about 7.25% before tax (calculated from the platform's own figures). No realised return is published, although two loans have been repaid in full.

Losses and defaults

CreditShare's yearly default report under the EU crowdfunding rules shows 0% for 2023 to 2025 (as of 31 December 2025). A loan counts as defaulted when it is more than 90 days late or unlikely to be repaid without enforcement. The report itself says only two loans were counted, both repaid early, so the 0% says little. The same report forecasts a 5% default rate for 2026. No loan is shown as late on the offers page (October 2026).

What secures your money

Each loan is secured by a mortgage on the property being developed. The most recent deal had a loan-to-value ratio of 80%, which leaves a limited cushion if the property has to be sold; no maximum is published. There is no buyback and no reserve fund. If a borrower pays late, contractual penalties go to investors and CreditShare takes legal action; collection costs are paid only out of money actually recovered. No recoveries have been needed so far. For you this means a mortgage stands behind your loan, but at up to 80% of the property's value a forced sale may not return all of your money.

Who runs it and its licence

The operator is CREDITSHARE s.r.o., company number 24185299, Křižíkova 710/30, Prague-Karlín, incorporated in December 2011. It states that the Czech National Bank authorised it as a crowdfunding service provider under the EU crowdfunding rules on 11 April 2024; it is listed in ESMA's register of authorised crowdfunding providers. The site names three directors with banking backgrounds; who owns the company is not published.

Fees

Investors pay 0.75% a year of the amount invested, taken when the borrower's payment arrives. Registration, deposits and withdrawals are free. Selling a loan early on the platform's bulletin board costs 1% of its value. In a recovery, CreditShare takes its costs plus 1% of the amount recovered, and one third of any late-payment interest.

Getting your money out

Loans run 6 to 36 months. You can try to sell a loan early on the platform's bulletin board, but only at its full value and for a 1% fee, so a loan in trouble is unlikely to find a buyer. Money not yet invested sits in a special client account at Banka CREDITAS.

Our view

Return: High — 7% to 10% a year advertised, although deals have paid 7.9% to 8.5% and no realised figure is published. Risk: Very Low (higher means more risk) — no defaults so far and every loan is secured by a mortgage, but the record covers only a handful of loans, the latest deal is at 80% of the property's value and the platform itself forecasts 5% defaults for 2026. Risk-return: Low — the advertised top rate has never been offered and the track record is too short to show what investors really earn.