Crowdfunding Platform - Exporo review

Basic information

For Investors

Functionality

What investment opportunities does Exporo offer?

Exporo offers investments in mezzanine or junior loans, and whole or senior loans with detailed conditions and LTV values presented on their platform.

What returns can I expect from Exporo investments?

Expected returns range between 7.0% to 9.0% per annum, with variations depending on the specific project and investment form.
 

Are investments in Exporo safe?

Exporo emphasizes investor safety with a thorough project selection process, regular updates, and a focus on secured investments. The platform's compliance with BaFin regulations further enhances investment security.

Investment Types on Exporo

Exporo offers two primary types of investments:

• Debt Investments: Investors lend money to real estate developers for specific projects, such as residential or commercial developments. These loans are typically for a fixed term, with returns paid out as regular interest payments. Investors bear the risk of developer default or delays, though many of these loans are secured by collateral, such as the property itself​.
• Equity Investments: Investors purchase shares in income-generating properties, becoming co-owners. Returns are generated through rental income and potential appreciation in property value. This type of investment offers higher return potential but also carries greater risk, as investors are exposed to the property market's performance

How Does Exporo Work?

Exporo operates as a digital marketplace for real estate investments. For investors, it provides opportunities to invest in either Exporo Finanzierung (debt-based projects) or Exporo Bestand (equity-based projects).

• In Exporo Finanzierung, investors lend money to developers for real estate projects, earning a fixed return over a defined period.
• In Exporo Bestand, investors buy shares in income-generating properties and earn dividends from rental income, with the potential for capital gains if the property appreciates in value.
  Investors can browse available projects, view detailed financial and risk assessments, and track the progress of their investments through the platform’s dashboard. Exporo also offers a secondary market, allowing investors to sell their shares before project completion​

Risks of Investing on Exporo

Investing on Exporo carries inherent risks associated with real estate development and ownership.

• Debt-based investments: The primary risk is developer default, where a project fails to deliver on expected returns due to delays, cost overruns, or market downturns. Although these loans are typically backed by collateral, insufficient collateral coverage in case of default could lead to investor losses.
• Equity-based investments: The risks here include fluctuations in property values and rental income, as well as the possibility that properties might not perform as expected, leading to lower returns. Investors may also experience liquidity risks, as equity investments are generally long-term, with no guarantee of early exit through the secondary market​