Item: Profitus
Rating: 4.8
Author: Crowdinform

Profitus is one of the leading real estate investing platforms with 300 MEUR invested, and average returns 11% with a minimum investment of 100 EUR.

Profitus is a Lithuania-based European real-estate crowdfunding and peer-to-peer lending platform that enables investors to fund mortgage-secured property and business loans starting from as little as €100, making real-estate-backed investing more accessible. It focuses on short- to medium-term financing opportunities where borrowers pledge first- or second-rank mortgages and other collateral to protect investor capital.

As a regulated platform holding a European Crowdfunding Service Provider (ECSP) licence under supervision of the Bank of Lithuania, Profitus operates within a defined EU regulatory framework for crowdfunding services. Investors can expect target interest rates historically in the high single-digit to low double-digit range depending on project risk and term, with interest typically paid periodically.

The platform also offers tools such as a secondary market and auto-invest features to help manage portfolios and diversification. While collateral and project analysis aim to mitigate downside risks, all investments inherently carry capital, liquidity and borrower default risks and are best suited for investors with a medium-term horizon.

Basic information

13784 investors

1992 projects funded

335971577.0 EUR funded amount

License/regulation: Profitus regulated platform holding a European Crowdfunding Service Provider (ECSP) licence under supervision of the Bank of Lithuania,

Profitus - Articles

All you need to know about Profitus! 🏠💵📈

🚀 Dive into the world of real estate investment with ease and affordability through real estate crowdfunding! 🏘️✨ 👛 Start your investment journey …

Feb. 19.2025

All you need to know about Profitus: Interview with Monika Lencickaite, CMO at Profitus

If you want to start investing in real estate projects and make returns up to 15% p.a. you definitely have to explore investment opportunities offere…

Jun. 03.2024

Useful Information

How does Profitus work?

Profitus operates as a real estate crowdfunding platform where people can invest in real estate projects by providing loans to property developers. On the other hand property developers can raise funding from a crowd of investors without asking banks for funding.

What investments does Profitus offer?

Via Profitus was financed 1655 property projects for the amount of €252,506,693.32. As of 2025-03-01, our active loan portfolio consists of: €60.9 million in Lithuania, €8.5 million in Latvia, €1.4 million in Spain, and €5.9 million in Estonia.

What is a risk when investing on Profitus?

When investing on Profitus you should evaluate two risks. The first risk is a risk of default meaning that the project owner will not be able to repay the loan on time. Profitus financing is short-term 12/ 18 months which is a very short term for a development project thus it might indicate that the business model is to not repay loans from sales but from refinancing loans - which is not a very good idea and might lead to serious risks if no one wants to refinance. But till now the proportion of nonperforming loans is 2.55% which is very low..

The second risk is money loss during default. Loans are secured with property so you need to make sure that property value is sufficient to repay your loan in case of default. Profitus provides certified appraisal reports for each poverty which gives you an indication of potential property value.