Fundwise - Risk and return review
Fundwise – Platform statistics 2026
31486
investors
Fundwise – Pros & Cons
About Fundwise
What it is
Fundwise is an Estonian equity crowdfunding platform run by Fundwise OÜ (registry number 12678440, Tallinn). Companies raise money by selling shares, or sometimes convertible loans, to the public. The home page shows €6,756,260 raised and says 67% of campaigns reached their goal (1 November 2026). Apart from one live campaign, the site looks little maintained: the newest blog post is from 19 March 2021 and the footer still reads 2015-2019.
How it works
You create a profile, choose a campaign and invest as a private person or a company, usually from €100 to €200, though each campaign sets its own minimum. You accept the shareholder agreement and transfer the money; if the campaign succeeds you become a shareholder, and if it fails you get your money back. Where the company uses the Nasdaq central securities depository, you need an Estonian securities account. As of 1 November 2026 one campaign was open: Morii Tea OÜ, a tea house in Estonia, seeking €70,000 to €700,000 at a €7 million pre-money valuation, with a €700 minimum, until 28 November 2026. It had raised €4,900 from 2 investors.
Returns
Fundwise publishes no returns: no exits, dividends or portfolio values for past campaigns. Investors in shares can only gain if the company pays dividends or is sold. Some campaigns offer perks instead, such as a 10% discount at the company's shop.
Losses and defaults
No figures are published on companies that failed, convertible loans that were not repaid, or what investors have lost. The 67% figure counts campaigns that reached their funding goal, not investments that made money.
What secures your money
Nothing. Shares in young companies are not secured: if the company fails, they are usually worth little or nothing. Convertible loans are also unsecured. There is no guarantee, buyback, deposit guarantee or investor compensation scheme.
Who runs it and its licence
The operator is Fundwise OÜ, Rävala pst 8, Tallinn. The site names no regulator, licence or licence number, and no licence could be confirmed. Since 10 November 2023, platforms in the EU offering company shares to the public generally need a European crowdfunding licence, so investors should treat the missing licence as a serious risk.
Fees
No investor fees are published. Companies pay two non-refundable consultation fees of €1,500 each, a 5% success fee and a 1.5% campaign fee on the money raised, plus 20% VAT.
Getting your money out
There is no secondary market. Shares in private companies are hard to sell, so expect to hold them until the company is sold or lists, which may never happen.
Our view
Return: Not rated, because Fundwise publishes no returns or exits for past campaigns. Risk: Very high (higher means more risk). Shares are unsecured, nothing is published on failures, no licence is shown for a live share offer to the public, and the site is largely unmaintained. Risk-return: Low, as no exits or dividends show that investors have been rewarded.
Regulation
License / Regulation: Licence not confirmed — Fundwise OÜ (registry number 12678440, Estonia) shows no regulator, licence or licence number on its site, and no European crowdfunding service provider licence could be confirmed as of 1 November 2026, although a share offer to the public was open. Investments are not covered by a deposit guarantee or investor compensation scheme.
Functionality
For Investors
For Fund Seekers
Useful Information
Not confirmed. Fundwise OÜ shows no regulator, licence or licence number, and no European crowdfunding licence could be confirmed as of 1 November 2026. Investments are not covered by any compensation scheme.
The site does not name a payment institution or escrow account. It says investors transfer the funds to the target company after accepting the shareholder agreement, and get their money back if a campaign fails.
Usually €100 to €200, set per campaign. The Morii Tea campaign open in November 2026 has a €700 minimum.
None are published. Fundwise shows €6.76 million raised and says 67% of campaigns reached their goal, but gives no exits, dividends or failures for the companies funded.
Nothing. Shares and convertible loans in young companies are unsecured, and there is no guarantee or buyback.
There is no secondary market. You would have to find a buyer yourself; in practice expect to hold until the company is sold.
No investor fees are published. Companies pay €3,000 in consultation fees, a 5% success fee and a 1.5% campaign fee, plus VAT.
Your shares are issued by the company itself, not by Fundwise; what would happen to open campaigns if Fundwise failed is not described. If the company fails, shareholders usually lose most or all of their money. No compensation scheme covers the loss.
Dividends and gains on shares are taxed under the rules of your country of tax residence. Check your own tax rules or ask an adviser.
