Rendimento Etico is an Italy-based crowdfunding platform specializing in real estate finance. Founded in 1999, the platform connects investors with real estate professionals seeking project funding. Rendimento Etico’s mission is to allow everyone to invest in real estate through an online platform, while at the same time helping those in financial difficulty.
Licence/regulation: Licensed under European Crowdfunding Service Providers (ECSP) regulation
Rendimento Etico is a leading specialist real estate project lending platform that provides quick and easy finance to real estate professionals. The platform offers a marketplace for real estate investments, connecting investors with real estate professionals who need project funding. Rendimento Etico focuses on residential real estate, commercial real estate, and real estate development. The platform has collected over 51 million euros in the last 12 months. demonstrating its reliability and effectiveness. Furthermore, Rendimento Etico offers a unique ethical investment approach, seeking to provide help to people in difficulty by proposing on the platform the properties purchased before going to auction and zeroing all future debts of the debtors.
Companies borrow on Rendimento Etico because it offers competitive rates, no hidden fees or charges, and up to 100% loan-to-cost depending on the project. The platform is known for its rigorous due diligence process, ensuring that only the most promising projects by experienced developers are listed. Rendimento Etico’s team of real estate experts carefully assesses each project based on key performance factors and evaluates the borrower’s creditworthiness and ability to repay.
If Rendimento Etico were to cease operations, the platform would have a first legal charge on all loans, giving them the legal right to take ownership of a property if a borrower defaults on their loan repayments. This ensures that investors’ funds are secured against the property, providing a level of protection in case the platform ceases to operate. Additionally, Rendimento Etico is authorized and regulated by the Bank of Italy, which requires the platform to have a wind-down plan to protect investors’ interests in the event of its closure.
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