1190
investors
StockCrowd IN is a Spanish investment platform, run from Madrid by StockCrowd Platform S.L., where private investors fund loans to property developers and small businesses from as little as 20 euros — though most property deals ask for 250 euros or more.
Investors buy a share of a fixed-rate loan, a profit-linked loan, or occasionally shares in a project company; property lending dominates, at roughly three-quarters of loan volume. Since starting under a national licence in 2018, the platform has arranged over 158 million euros across 942 projects and returned 108.6 million euros to investors, with an average project length of 13 months.
It holds a European crowdfunding licence from the Spanish securities regulator CNMV (number 19, granted December 2023). Investor money never sits with StockCrowd itself: it is held in a separate client account at BNP opened by Lemon Way, a French payment institution. Property deals are scored with the credit-modelling firm AIS Group and usually secured by a first mortgage; business loans need an external Axesor solvency rating, with an internal risk committee taking the final decision — only about 17% of proposals are approved.
There are no direct investor fees on standard loans, though participation-style deals carry management and success fees that reduce returns.
The catch is liquidity: there is no way to sell early and no auto-invest, deals fill within days, and the typical investor ticket of 4,746 euros is the largest in the Spanish sector — a small club of larger investors rather than a mass-market site.
License / Regulation: ECSPR PSFP authorised by CNMV, Spain | Licence 19 |
The platform holds a contractual mandate to pursue missed payments for all investors. First comes an amicable phase of up to 90 days, in which a restructured repayment plan needs majority investor approval. After that, enforcement goes to court using the notarised loan contract, and any personal guarantors answer with all their assets. Defaulting borrowers owe extra interest plus 40 euros (plus VAT) per unpaid instalment. Two things to know: court costs are split among the lending investors, and the platform publishes no numbers on how much has ever been recovered or how long recovery takes. A back-up arrangement exists for a third party to keep servicing loans if StockCrowd itself ever stopped operating.
On standard fixed-rate loans, nothing — no account, deposit, withdrawal or investment fee, and the payment provider charges you nothing either. On participation-style loans and share deals the picture changes: a management fee is taken when the campaign closes, a success fee is deducted from profits before you are paid, and the payment-gateway cost also lands on investors — the exact percentages are set per deal and not published. On defaults you bear a share of court costs. And Spanish tax bites everyone: 19% is withheld at source on interest, and holding over 50,000 euros in the payment wallet can trigger a foreign-account declaration.
Nothing serious was found: no fraud allegation, no CNMV action, no press scandal, and the company register shows the firm active and in good standing. The Spanish Rankia forum thread on the platform is short and positive — one investor with six loans reported every payment made on time, with one pandemic-era six-month extension. The criticisms that do recur across seven Spanish reviews are structural: no way to exit early, no auto-invest, deals gone within minutes, slow sign-up checks, and a rating method that is not clearly explained. Documented losses are small but real: one capital loss of 21,051 euros on a 2020 participation loan, three problem loans over five years, and delays typically of 30 to 90 days. The Trustpilot score could not be verified — two secondary sources quote 3.7 (from 13 reviews) and 4.5, and the profile itself is unclaimed — so treat any rating you see with caution.
Spaniards abroad need a tax-residence certificate, and non-Spanish nationals need a Spanish tax number for property deals, so in practice the platform serves Spanish residents. Complaints must be resolved within 45 calendar days, after which you can escalate to the CNMV. And check the licence number if you research the platform: many Spanish sites still cite CNMV number 24, which was the old, defunct registration — the current authorisation is number 19, granted 15 December 2023, and number 24 now belongs to an unrelated firm.
There are two pipelines. Property deals get three scores — one for the developer, one for the project, one combined — built with AIS Group, a credit-risk modelling firm, on a letter scale. Business loans need an external solvency rating from Axesor on a 1-10 scale to clear a minimum bar, and then an internal risk committee must still approve. Pricing follows from the rating, term, project type and the developer's track record. About 17% of submissions make it through. What is not published: the minimum scores, any maximum loan-to-value rule — and the platform's own two pages even disagree on the exact rating letters used.
StockCrowd IN placed about 29 million euros in 2025 — roughly 3.8% of Spain's 762 million euro crowdfunding market — and did not feature in the annual market report that named Urbanitae (280 million plus), Civislend (133 million) and Wecity (101 million). It is a long-established mid-tier operator with a loyal, large-ticket investor base rather than a growth machine. Do not confuse it with stockcrowd.com, the group's separate donation-software business for charities — same brand family, entirely different product.
The founders are Mireia Badia and Sergi Pallares. Here the regulator's record is worth knowing: the CNMV lists Sergio Pallares as the chief executive since December 2023 and records Mireia Badia's term ending in March 2024 — yet the website still presents her as CEO. The registered board also includes independent members and a risk and compliance advisor, Ignacio Perales, who publishes the platform's underwriting thinking openly on its blog. The company dates to 2015, held Spain's national crowdfunding licence from 2018, and its accounts are audited by Forvis Mazars.
