2900
investors
Cresor is a Spanish crowdlending platform run from Madrid by StockCrowd Platform, S.L. Until 2026 it traded as StockCrowd IN. By October 2026 it had taken the name Cresor (Cresor Investment), and the old stockcrowdin.com pages now lead to cresor.com. The company, its licence and its loan book are the same; only the brand changed. Investors lend mainly to Spanish property developers and, on a smaller scale, to businesses. It shows €163.9 million financed in 950 projects, €112.6 million paid back and more than 2,900 investors (October 2026). The site is in Spanish only.
You choose each project yourself; there is no auto-invest. Most deals are fixed-rate loans; some are profit-linked (participative) loans, and a few are share issues. Projects last 13 months on average. The minimum is set per project; the platform says it depends on the project and the developer. Business loans include the book of Grow.ly, a platform merged into StockCrowd IN in 2022. Non-Spanish investors need a Spanish tax number for property deals.
For property loans the platform publishes a weighted historical annual return (IRR) of 10.45% (statistics page, read 27 October 2026; it carries no reference date). It covers only finished loans and loans declared failed: the two property loans more than 90 days late, €945,728, and any refinanced loans are left out, so the figure is not net of open defaults. It is before Spanish tax. Business loans show 6.51% on the same basis. In August 2026 the two figures were 10.46% and 6.53%. The site also shows an average return of 11.04% without saying how it is calculated.
On the property loans made from 2020 to 2026 (€113.8 million), the platform shows €63,430 declared failed (a 2021 loan) and a €21,051 capital loss on a 2020 profit-linked loan: together 0.07% of the money lent, calculated from the platform's own figures. Two more loans are more than 90 days late: €345,728 from 2023 and €600,000 from 2024, 1.88% and 2.71% of those years' lending; their final loss is not yet known. The platform gives a portfolio default probability of 1.82% for property loans and 3.51% for business loans, without saying how they are calculated.
The business-loan book (€19.5 million in 253 loans since 2020) has €179,993 more than 90 days late, and the table leaves €308,288 of 2020 and 2021 capital neither repaid nor shown as owed. The tables now start in 2020; the version shown in August 2026 also covered 2018, when 17% of property lending went unpaid. A loan is counted as late after 90 days; small unpaid amounts and a first refinancing within 12 months are not counted. No recovery figures are published.
The platform says many of its deals carry extra security, such as a mortgage, and that some have guarantors, but not all deals do, and it publishes no loan-to-value limits, valuations or share of secured loans. The security of each loan is shown only to registered users. There is no guarantee fund, buyback or provision fund. When a loan fails, Cresor negotiates first and then goes to court; court costs fall on the lending investors, and nothing is published on how much has been recovered. In plain words: many property loans have a mortgage behind them, but you have to check each deal, and the platform has not shown how security has worked out in defaults.
StockCrowd Platform, S.L. (NIF B66647306, Madrid, set up on 16 November 2015) is registered with Spain's securities regulator, CNMV, as crowdfunding service provider number 19 under the EU crowdfunding rules, since 15 December 2023. From April 2018 it held the earlier Spanish crowdfunding licence. Its accounts are audited by Forvis Mazars. No regulator action against it was found.
The platform's fee page puts the payment cost on the borrower for fixed-rate loans; on profit-linked loans and share issues that cost, and fees set per deal, reduce what investors receive. The fee percentages are not published in general. Court costs on defaulted loans are shared by the lending investors.
You cannot sell early: there is no secondary market, so your money stays in each loan until it is repaid, 13 months on average and up to 36 months for the longest deal. Loans that go late stay locked until they are recovered.
Return: High — finished property loans returned 10.45% a year. Risk: Low (higher means more risk) — money lost so far is tiny, 0.07% of property lending since 2020, which on its own is the lowest level, Very Low, but we set it one step higher, at Low, because the statistics are undated, the return leaves out late loans, the older bad years were dropped from the table, and security and recoveries are not shown. Risk-return: High — a high return with a low recorded level of loss.
License / Regulation: StockCrowd Platform, S.L. (trading as Cresor, formerly StockCrowd IN; NIF B66647306) is registered with the Spanish securities regulator (CNMV) as crowdfunding service provider no. 19 under Regulation (EU) 2020/1503, effective 15 December 2023. It is not covered by any investment or deposit guarantee fund.
Yes. StockCrowd Platform, S.L., which runs Cresor, is CNMV crowdfunding service provider no. 19 under the EU crowdfunding rules, since 15 December 2023. No guarantee fund covers your investments.
Lemon Way, a French payment institution, keeps your money in a segregated client account at BNP, apart from the platform's own funds. Once lent, your money is a loan to the developer or business.
It is set per project by the platform and the developer; the platform does not publish one general minimum. Amounts of €20 to €250 per project are typical.
Finished property loans returned 10.45% a year and business loans 6.51% (October 2026), before tax and leaving out late loans. €84,481 has been lost on property loans since 2020 (0.07%), and €945,728 is more than 90 days late.
Many deals have a mortgage or a guarantor, but not all, and the platform publishes no loan-to-value limits or recovery results; each deal's security is shown only to registered users. There is no guarantee fund or buyback.
No. There is no secondary market; you wait until each loan is repaid, 13 months on average. Late loans stay locked until recovered.
On fixed-rate loans the borrower pays the payment cost. On profit-linked loans and share issues, that cost and fees set per deal reduce your return. If a loan goes to court, lending investors share the court costs.
If a borrower fails, Cresor negotiates and then sues to recover the money, with court costs shared by investors. If the platform failed, your money held by Lemon Way stays separate and your loan claims remain, but no compensation scheme applies.
Only the name. By October 2026 StockCrowd IN had become Cresor (Cresor Investment), and stockcrowdin.com now leads to cresor.com. The company (StockCrowd Platform, S.L.), its CNMV licence no. 19 and the existing loans are unchanged.
