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Property, Business loans · Lithuania · 4.2 (1 review)
Reviewed by Eugene Sokolovs, figures checked 3 Nov 2026
Lithuanian property-lending platform licensed by the Bank of Lithuania since 2023: lend from €100 on mortgage-backed loans in Lithuania, Romania and Portugal at about 10.6% a year. €59.8 million funded and nothing written off so far (October 2026).
Capital at risk. Past returns do not predict future returns; a borrower can pay late or not at all.
Higher means more risk. Nothing has been written off so far, which on its own gives the lowest level, Very Low. We set it one step worse, at Low, because the zero has not been tested: only one enforcement has been completed (€97,000), 8% of C-class loans defaulted in 2025 and about 16% of the outstanding book was late or in recovery in October 2026, so actual losses could end up higher. Loans are secured by property at 58% average loan-to-value.
10.57% a year, the average contract rate on all loans funded, weighted by amount (23 October 2026), before losses and tax.
A high contract rate on property-backed loans with no losses so far, for a low level of risk. The balance rests on a short record that is now under strain, with few recoveries completed.
Capital at risk. Past returns do not predict future returns; a borrower can pay late or not at all.
4.2 · Property · LT
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Referral link · platform terms apply · capital at risk
Crowdpear is a Lithuanian crowdfunding platform for property-backed business loans. Crowdpear, UAB was set up in Vilnius in 2021 and made its first loans in 2023. By 23 October 2026 it had funded €59.8 million through 598 loans (stages of the same project count separately), on property in Lithuania, Romania and Portugal. It had 11,349 registered investors in August 2026. Two of its three shareholders and its deputy chief executive are also behind the lending platform PeerBerry, but the two are separate companies.
You choose loans yourself from €100 each; there is no automatic investing. Loans usually run 12 to 24 months. Interest is paid monthly or quarterly and the loan amount is repaid at the end. Borrowers are property-owning companies borrowing for development, business needs or refinancing. Each loan gets a risk class from A to D. All investors start as non-sophisticated and take a knowledge test and a loss-bearing check.
The average interest rate on loans funded is 10.57% a year, weighted by amount (23 October 2026, down from 10.59% in August 2026). It is the rate in the contracts, before losses and tax. The home page advertises up to 14% including loyalty bonuses. Investors have earned €3.78 million in total. Independent tracking of investor portfolios points to a median of about 11.6% a year after losses (August 2026). Lithuania withholds 15% tax on interest paid to non-residents, which lowers what foreign investors keep.
No money has been written off so far, and only one enforcement has been completed (€97,000). But problems are growing fast. On 23 October 2026, €2.02 million (3.38% of all money funded) was late and €2.30 million (3.84%) was in recovery. Together that is about 16% of the loans still outstanding (calculated from the platform's own figures). The amount in recovery rose from €0.61 million at the end of June to €2.30 million at the end of July 2026, after the first default of a B-class loan, and nothing was late in August. Crowdpear's yearly default table counts a loan as defaulted if it is more than 90 days late on at least one instalment or cannot be repaid without enforcement: in 2025, 9 of 112 C-class loans (8%) defaulted, against 13.5% expected; in 2024, 16 of 63 (25.4%). No recovery rate is published.
Each loan is secured by a mortgage on property, often with a pledge of the borrower's shares or a personal guarantee. The average loan-to-value is 58.39% (October 2026): on average the property is valued at about 1.7 times the loan in valuations made for each loan. There is no buyback and no reserve fund. If a borrower defaults, Crowdpear follows a published procedure ending in enforcement against the property. Only one enforcement has been completed so far, so the security has not yet been tested at scale. In plain words: the property should cover the loan if values hold, but recovery takes time and the record is short.
Crowdpear, UAB (registration code 305888586, Vilnius) holds a European crowdfunding service provider licence from the Bank of Lithuania (LB002204), active since 25 July 2023; before that it worked under a Lithuanian crowdfunding permission from January 2022. Its 2025 accounts were audited with a clean opinion and showed a net profit of €267,215 and equity of €503,091. Investors' cash is held in a trust account at the Lithuanian bank AB Mano bankas, kept apart from Crowdpear's own money. No deposit insurance or investor compensation scheme applies.
Opening an account, investing, depositing and withdrawing are free for investors. Selling a loan on the secondary market costs the seller 2% of the sale amount. Crowdpear earns its money from borrowers.
Money normally comes back when each loan is repaid at the end of its term, usually 12 to 24 months. You can sell a whole investment early on the secondary market for a 2% fee: listings last 14 days, sellers may ask up to 20% more and buyers may offer up to 50% less, and partial sales are not allowed. Late loans can be sold too. No trading volume is published.
Return: High — 10.57% a year average contract rate (October 2026). Risk: Low (higher means more risk) — nothing has been written off, which alone would be Very Low, but we set it one step worse, at Low, because the zero has not been tested: only one enforcement has been completed, 8% of C-class loans defaulted in 2025 and about 16% of the outstanding book is late or in recovery, so actual losses could end up higher. Risk-return: High — a high rate on property-backed loans with no losses so far, resting on a short and now strained record.
Crowdpear
Referral link · capital at risk
Crowdpear
Referral link · capital at risk
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Yes. Crowdpear, UAB holds a European crowdfunding service provider licence from the Bank of Lithuania (LB002204), active since 25 July 2023. No deposit insurance or investor compensation scheme covers your investments.
Uninvested cash is kept in a trust account at AB Mano bankas in Lithuania, separate from Crowdpear's own money and protected from its creditors. Once invested, your money is lent to the borrowing company.
€100 per loan.
The average contract rate is 10.57% a year (October 2026), before tax and losses. Nothing has been written off yet, but €2.02 million is late and €2.30 million is in recovery, together about 16% of loans still outstanding. In 2025, 8% of C-class loans defaulted.
A mortgage on property, often with a share pledge or personal guarantee. The average loan-to-value is 58.39%, so the property is on average valued at about 1.7 times the loan. There is no buyback or reserve fund, and only one enforcement (€97,000) has been completed so far.
Yes, on the secondary market, for a fee of 2% paid by the seller. You must sell the whole investment, listings last 14 days, and a buyer is not guaranteed. Late loans can also be sold.
None, except 2% of the sale amount when you sell on the secondary market. Non-residents also have 15% Lithuanian tax withheld from interest.
If a borrower fails, Crowdpear enforces the mortgage on investors' behalf, which can take time. If Crowdpear itself failed, cash in the trust account remains yours and is kept from its creditors, but there is no compensation scheme and the loans would need to be serviced by someone else.
No. Crowdpear is a separate licensed company, but two of its three shareholders and its deputy chief executive are also behind PeerBerry. Holding both does not spread your risk across fully independent operators.
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