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investors
InRento is a Lithuanian crowdfunding platform for rented property, run from Vilnius by UAB Inrento since 2020. It has raised €133.9 million and repaid €36.6 million of it (October 2026), and counts 5,734 active investors. About 45% of the money is in Lithuania and 37% in Poland, with smaller amounts in Romania, Finland, Italy and elsewhere. Residential property makes up 48% of the book, hotels 27% and commercial property 18%.
You choose projects yourself and lend from €500 to a company set up to own one rented building. On the original deals you receive your share of 80% of the rent collected each month, plus part of the profit when the property is sold. Newer deals pay a fixed rate, 10.25% to 11.5% a year on offers in August 2026. Stated terms can be long, up to 10 years, but in practice finished projects lasted 21 months on average and 99% were repaid early. There is no automatic investing, and new projects are few and fill quickly, so cash can wait in your account.
Finished projects paid investors 11.56% a year on average, against 9.42% expected when they were offered (October 2026). The figure mixes rent and sale profits, counts money only while it was invested in a deal, and is before tax: Lithuania withholds 15% from interest paid to foreign investors unless they file treaty forms. Investors have earned €13.2 million in total. Independent tracking of investor portfolios points to a lower median, about 8.8% a year (August 2026), mainly because cash sits idle between deals and because of the tax.
No loan has defaulted and no investor has lost money so far. InRento publishes the EU-standard default table: 0 of 207 loans (October 2026). A loan counts as defaulted when it is more than 90 days late on a significant amount (the higher of €20,000 or 4% of the loan), or the borrower is judged unlikely to pay in full; smaller arrears never trigger a default. Nothing is in recovery and no principal is late. Late interest (more than 14 days overdue) was €44,007, about 0.05% of the money lent, up from €14,510 in August 2026. Because no loan has failed, how much a failed loan would return has never been tested.
Each loan is secured by a first-ranking mortgage on an existing, rented building, which InRento holds and can enforce for investors. Each property is valued independently, but InRento publishes no loan-to-value limit or figure. Some deals add a borrower promise to keep paying a minimum rate, for example 2% a year for up to six months if the property stands empty. There is no buyback, reserve fund or insurance. No mortgage has ever had to be enforced, so there is no recovery record. In plain words: if a borrower stops paying, you depend on InRento selling the building for at least what is owed, which has not yet been tried.
UAB Inrento (Vilnius, company code 305519977), set up on 19 March 2020, runs the platform. The Bank of Lithuania authorised it as a European crowdfunding service provider on 10 November 2023 (no. LB002222), including the right to run a resale board. No regulator action was found. The company is small, with about eight employees; it reported revenue of about €3.0 million and a profit of about €958,000 for 2025, and lists audited reports for 2020 to 2025 (open after login). Public review score 4.4 out of 5 (August 2026).
Selling a loan early to another investor costs 2% of the price, taken from the seller (1.5% for Premium investors, those with €50,000 or more). On rent-sharing deals the borrower keeps 20% of the rent before your share is calculated. Check each project for any share of the sale profit kept by the platform. Lithuanian tax of 15% is withheld from foreign investors' interest unless they file treaty forms.
Most money comes back when the borrower repays early, usually after selling or refinancing the building: 99% of finished projects repaid before their term. Before that, you can offer your loans on the resale market, which is used: 1,858 trades worth €1.63 million in 2024. There is no guarantee of a buyer, and positions of €50,000 or more can be sold in one block. Uninvested cash stays in your own payment account.
Return: High — finished projects paid 11.56% a year on average (October 2026), though real portfolios earn less because of idle cash and tax. Risk: Very Low (higher means more risk) — no defaults and no losses on 207 loans since 2020, every loan has a first-ranking mortgage, and the platform publishes its default definition and audited reports; the zero has not yet been tested by a failure. Risk-return: Very High — a high return with no losses so far.
License / Regulation: UAB Inrento is authorised by the Bank of Lithuania as a European crowdfunding service provider (authorisation no. LB002222, since 10 November 2023), including facilitating loans and operating a resale board. No regulator action was found. Investments are not covered by the deposit guarantee scheme.
Yes. The Bank of Lithuania authorised UAB Inrento as a European crowdfunding service provider on 10 November 2023 (no. LB002222). No regulator action was found. No deposit guarantee covers your investments.
Your cash sits in your own account at Paysera or Mangopay, licensed payment institutions, not with InRento. Once lent, your money is a loan to the company that owns the building, secured by a mortgage.
€500 per project.
Finished projects paid 11.56% a year on average, against 9.42% expected (October 2026), before tax. No loan has defaulted (0 of 207) and no investor has lost money. Late interest was €44,007, about 0.05% of the money lent.
A first-ranking mortgage on an existing rented building, valued independently and held by InRento for investors; some deals add a minimum payment if the property is empty. There is no buyback or reserve fund, no loan-to-value figure is published, and no mortgage has ever had to be enforced.
Yes, on the resale market, for 2% of the price (1.5% for Premium investors). It is used, with 1,858 trades in 2024, but a buyer is not promised. Most money returns when borrowers repay early: 99% of finished projects did, after 21 months on average.
2% of the price when you sell a loan early (1.5% for Premium investors). On rent-sharing deals the borrower keeps 20% of the rent first. Lithuania withholds 15% tax from foreign investors' interest unless they file treaty forms.
If a borrower stops paying, InRento can enforce the mortgage and sell the building; this has never been needed. Your cash is at Paysera or Mangopay, not with InRento, so a platform failure would not take it, but loans would have to be wound down by someone else.
The 11.56% counts money only while it was invested in a finished deal. New projects are few and fill quickly, so cash can sit idle, and foreign investors lose 15% tax at source. Independent tracking of investor portfolios points to a median of about 8.8% a year (August 2026).
