Fundbricks - Risk and return review
Fundbricks - Returns and loss rates
Fundbricks – Platform statistics 2026
5478
investors
Fundbricks – Pros & Cons
About Fundbricks
What it is
Fundbricks is a Danish crowdlending platform where private investors lend to Danish property developers and renewable-energy projects, mostly solar parks, plus some projects abroad such as a villa in Marbella. Since 2020 it has arranged DKK 320.6 million for 48 projects and paid out DKK 143.6 million (read 1 November 2026).
How it works
You are approved as an investor under anti-money-laundering rules and choose each project yourself, usually from DKK 10,000 (the FAQ says typically DKK 10,000 to 50,000). Places are first come, first served, and money is returned if a project is not fully funded. Loans are short, typically 6 to 18 months. Developers send short updates, typically without financial reports.
Returns
Fundbricks publishes only typical rates, and its pages disagree: the projects page says loans typically return 9% to 13% a year, the homepage 8% to 12%, and the FAQ 7% to 10% (all read 1 November 2026). The three loans open on 1 November 2026 pay 11%, 12% and 11%. No average or realised return, and no return after losses, is published.
Losses and defaults
A project data page shows DKK 0 written off and DKK 0 late repayments, without a date, without a day threshold for 'late' and without the repayment status of each loan, so the figures cannot be checked. No default rate under EU crowdfunding rules was found. A public review from December 2024 alleges that investors in one solar project received no updates for months; this is not confirmed and no loss has been reported. The public review score was 1.4 out of 5 (131 reviews) on 1 November 2026.
What secures your money
Most loans have real security, but it usually ranks behind other lenders. Typical security is a pledge on the shares of the project company, a second-ranking mortgage on the property or a pledge on an escrow account; the homepage says developers typically need second-priority financing, and the FAQ says the loans will most often rank after bank loans. Some loans also have a personal guarantee from the people behind the project. Security can be thin: on the third stage of the solar parks on a Danish supermarket chain, investors get a fifth-ranking pledge on the shares of YellowTec A/S, which the investor document itself says may have limited or no value. Fundbricks only lists property projects whose budgeted sale price is at least 20% above total costs, shows a coverage ratio for each project (25% to 34% on recent loans) and releases money to the developer only after approval by an independent construction expert. There is no buyback, platform guarantee or deposit or investor guarantee scheme. No recoveries have been published.
Who runs it and its licence
The platform is run by FB Funds ApS, Strandvejen 100, 2900 Hellerup, Denmark (company number 40431934). Its pages name no licence: no statement was found on its homepage, FAQ, terms or risk pages, and no entry in the Danish FSA or ESMA crowdfunding registers was confirmed. Its project documents follow the format of EU crowdfunding rules but name no licence. Treat the licence as not confirmed.
Fees
Investing is free: the FAQ says Fundbricks is paid by the developers, mainly through a success fee when a project is fully funded. The size of that fee is not published.
Getting your money out
There is no secondary market: the terms say an investor has no way to sell a loan. You wait until the developer repays at the end of the loan, typically 6 to 18 months. If a borrower pays late, Fundbricks sends reminders, tries a payment plan, possibly through a collection lawyer, and may go to the bailiff court and force a sale where the loan is secured; if the debt cannot be recovered, the loan is treated as lost.
Our view
Return: Very high — the platform says loans typically return 9% to 13% a year, but three pages give different ranges and nothing realised is published. Risk: Low (higher means more risk) — no losses or late payments are shown, which on its own is the lowest level, Very Low, but the figures have no definitions; the security usually ranks behind other lenders and no licence was found, so we set it one step higher, at Low. Risk-return: Low — only advertised ranges exist.
Regulation
License / Regulation: Licence not confirmed — FB Funds ApS (company number 40431934, Hellerup, Denmark) names no licence on its website, and no entry in the Danish FSA (Finanstilsynet) or ESMA crowdfunding registers was confirmed as of 1 November 2026. Its project documents use the EU crowdfunding format without naming a licence. No deposit or investor guarantee scheme covers the loans.
Functionality
For Investors
Useful Information
Not confirmed. FB Funds ApS names no licence on its website, and no entry in the Danish FSA or ESMA crowdfunding registers was confirmed as of 1 November 2026. No deposit or investor guarantee scheme covers the loans.
The public pages do not say. Money paid in for a project that is not fully funded is returned, but the account or payment provider holding it is not named.
Usually DKK 10,000 per project; the FAQ says DKK 10,000 to 50,000 is typical.
Loans typically pay 9% to 13% a year according to the projects page (other pages say 8% to 12% and 7% to 10%). The platform shows DKK 0 written off and DKK 0 late, without a date or definitions.
Usually a pledge on the project company's shares, a second-ranking mortgage or a pledge on an escrow account, sometimes with a personal guarantee. The security normally ranks behind banks or earlier lenders and may be worth little. There is no buyback.
No. The terms say there is no way for an investor to sell a loan. You wait for repayment, typically after 6 to 18 months.
None. Fundbricks is paid by the developers, mainly through a success fee; its size is not published.
The projects page says 9% to 13%, the homepage 8% to 12% and the FAQ 7% to 10% (1 November 2026). Look at the rate of each loan instead: the three open loans pay 11% to 12%.
Fundbricks sends reminders, tries a payment plan and may go to the bailiff court and force a sale where security exists. Because the security usually ranks behind other lenders, little may be left; the platform says a loan is treated as lost if it cannot be recovered.
