Finvestor - Risk and return review
Finvestor - Returns and loss rates
Finvestor – Platform statistics 2026
2871
investors
Finvestor – Pros & Cons
About Finvestor
What it is
Finvestor is a lending platform where investors fund property-backed loans to developers and businesses, mostly in the Czech Republic. It is run by FINVESTOR s. r. o., a Slovak company in Bratislava founded in 2024 and called Crowdmates s.r.o. until 18 March 2025. It has worked in the Czech Republic since 1 March 2025 and the website is in Czech. By 30 October 2026 investors had put in CZK 1.28 billion and 2,871 investors had registered.
How it works
You register, verify your identity and choose individual loans, from CZK 5,000 in steps of CZK 1,000. Larger projects are split into many consecutive parts, so several of your holdings can belong to the same development. Loans run from about 3 months to 2 years. Interest is paid monthly straight to your bank account, and the amount lent comes back at the end. Each project has a grade from AAA to C. There is no automatic investing.
Returns
The platform advertises returns of up to 11.5% a year and shows an average interest rate of 11.28% across its loans (October 2026). Loans on offer on 24 October 2026 paid 9% to 10.3%, down from 9.3% to 13% in August. These are agreed rates; Finvestor publishes no figure for what investors actually earned after delays, and the average-return counter on its results page shows 0.0%. CZK 83.36 million of interest has been paid to investors so far (30 October 2026).
Losses and defaults
No project has been written off, so no money has been lost so far (October 2026). Under the EU crowdfunding definition, none of the 27 loans made from the licence date to the end of 2025 defaulted. But in July 2026 the platform's own results page showed CZK 87.8 million overdue, 7.8% of all money lent and about 10% of the money still outstanding. The platform later removed that overdue line from its results page without explaining why: by October 2026 the page showed only active (about 70%) and repaid (about 30%) loans. No day-count definition of overdue and no figures on recoveries are published.
What secures your money
Loans are usually secured by a first-ranking mortgage on property, at most 75% of its value; the average was 69.34% in October 2026. Depending on the project, there may also be pledges over the business, machinery or shares, personal guarantees from the owners, promissory notes and notarial deeds that allow enforcement without a court judgment. Finvestor holds this security in its own name for investors and enforces it; it describes a four-step process for problem loans. There is no buyback, reserve fund or insurance, and how independent the property valuations are is not stated. For you this means real property security, but with an average loan close to three-quarters of the property's value, and no record yet of how much is recovered.
Who runs it and its licence
FINVESTOR s. r. o. (Slovak company number 56081383, Prievozská 6A, Bratislava) is registered by the National Bank of Slovakia as a European crowdfunding provider from 31 December 2024 (register record 303278), with cross-border activity in the Czech Republic from 1 March 2025. The regulator gives no separate licence number. No sanction by the regulator has been found.
Fees
Investors pay no fee to sign up, invest or withdraw. The platform is paid by borrowers. Finvestor does not deduct tax, so investors declare the interest themselves.
Getting your money out
There is no secondary market. An investment is tied to its loan contract and cannot be cancelled early; your money comes back when the borrower repays, which borrowers may do early without charge.
Our view
Return: High — up to 11.5% a year advertised, 11.28% average interest, but no realised return published. Risk: Low (higher means more risk) — nothing has been written off and loans are mortgage-backed at up to 75% of value, but the 7.8% overdue figure published in July 2026 was removed without explanation, and there are no recovery figures or default definition. Risk-return: Low — with only advertised rates and unclear arrears data, the high rate is not yet backed by results.
Regulation
License / Regulation: Národná banka Slovenska (NBS): FINVESTOR s. r. o. (formerly Crowdmates s.r.o., IČO 56081383) is registered as a crowdfunding service provider under Regulation (EU) 2020/1503 from 31 December 2024, NBS register record 303278, with cross-border activity in the Czech Republic from 1 March 2025. The NBS gives no separate licence number.
Functionality
For Investors
Useful Information
Yes. FINVESTOR s. r. o. is registered by the National Bank of Slovakia as a European crowdfunding provider from 31 December 2024 and may operate in the Czech Republic from 1 March 2025. Until 18 March 2025 the company was called Crowdmates s.r.o.
The platform says money is held separately from its own assets by a licensed payment partner, but does not name it. Interest and repayments are paid straight to your bank account.
CZK 5,000, then in steps of CZK 1,000.
Up to 11.5% a year is advertised and the average interest rate is 11.28%; no realised return is published. Nothing has been written off. In July 2026 the platform showed 7.8% of all money lent as overdue, but that figure has since been removed from its results page.
Usually a first-ranking mortgage on property at most 75% of its value (69.34% on average, October 2026), often with owners' personal guarantees, business pledges and notarial deeds allowing direct enforcement. Finvestor holds and enforces the security for investors. There is no buyback or reserve fund, and recovery results are not published.
No. There is no secondary market and the investment cannot be cancelled; your money comes back when the borrower repays.
None for signing up, investing or withdrawing; borrowers pay the platform. No tax is deducted, so you declare the interest yourself.
If a borrower fails, Finvestor enforces the security for investors through its problem-loan process; how much it recovers is not published. If Finvestor itself failed, the security held in its name would need to be handed to a replacement; no replacement administrator is named.
In July 2026 the results page showed CZK 87.8 million (7.8% of all money lent) overdue. In October 2026 the page shows only active, repaid and written-off loans (0%) and no overdue line. The platform removed the figure without explaining why, and has not said whether those loans were repaid or are now counted as active.
