Platform Concept: Crowdpear is a Lithuanian-based EU-regulated crowdfunding platform specializing in property-backed real estate and business loans. It offers investors the opportunity to invest in projects with returns of up to 14%.
Business Activity: Founded in 2021, Crowdpear aims to connect investors with real estate developers and small to medium-sized businesses in need of funding. The platform focuses on ensuring secure investments through thorough due diligence and project evaluation.
Offered Services: Crowdpear offers a variety of investment opportunities, including real estate and business loans. It provides detailed project assessments, a secondary market for liquidity, and secure transactions under the supervision of the Bank of Lithuania.
Unique Selling Points: The platform's key features include an average return of 11.26%, investments secured by real estate, and low minimum investment requirements. Crowdpear also emphasizes sustainable and profitable investments.
Basic information
Licence/regulation: Crowdpear licensed under European Crowdfunding Service Providers (ECSP) regulation
For Investors
Functionality
Reward
Invest at least €300 within 30 days after the registration, and you will receive a €15 bonus. Just click the "Get a bonus" button.
Useful Information
What investments does Crowdpear offer?
On Crowdpear you will find loans from Lithuania and the majority of them will be smaller residential projects and bigger projects split in smaller parts.
What is a risk when investing on Crowdpear?
When investing on Crowdpea you should evaluate two risks. The first risk is a risk of default meaning that the project owner will not be able to repay the loan on time.
Crowdpea financing is short-term 6/ 18 months which is a very short term for a development project thus it might indicate that the business model is to not repay loans from sales but from refinancing loans - which is not a very good idea and might lead to serious risks if no one want to refinance.
The second risk is money loss during default. Loans are secured with property so you need to make sure that property value is sufficient to repay your loan in case of default. Crowdpear provides certified appraisal reports for each poverty which gives you an indication of potential property value. (most on them are in Lithuanian)
How does Crowdpear work?
Service Description for Investors and Project Owners: Investors can start investing with a minimum of €100. The platform offers detailed project assessments and investments secured by real estate. Businesses can apply for funding, and all projects undergo rigorous due diligence before listing.
Types of Investments Offered: Investments include property-backed real estate loans and business loans, with opportunities for rental income and capital appreciation.
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