AI-Powered Analysis: Letsinvest.eu Platform

Overview of Letsinvest 🏢💰

Letsinvest is a European real estate crowdfunding platform (based in Lithuania) that connects retail investors with property-backed loans. Founded in 2020 and fully licensed under the EU Crowdfunding Regulation in 2023, it offers access to commercial and residential development projects that were traditionally financed by banks. Key advantages include solid returns (~8–10% annually), loans secured by first-rank mortgages (low loan-to-value ratios ~60–70%), and a spotless repayment record (as of late 2025, no investor has suffered a loss or delay). Main risks are the illiquidity of investments (no early exit until the project repays), the possibility of borrower default (mitigated by collateral but still possible), and the platform’s short operating history – meaning its model is solid but not yet proven over decades. Overall, Letsinvest provides a conservatively run, regulated environment for investors to co-invest in real estate projects, while cautioning that crowdfunding investments are not guaranteed or insured ⚠️ (investors must be prepared for potential losses in worst-case scenarios).

Letsinvest Investment Products and Model 🏠

Product Type: Letsinvest offers investments in real estate debt – primarily short-term loans to property developers. Investors collectively fund a developer’s project in exchange for interest payments, and each loan is secured by a mortgage on the underlying property (collateral). How It Works: Developers apply and undergo strict due diligence by Letsinvest’s experts, who evaluate project viability, appraise the property value, and set conservative terms (typical loan duration 6–24 months, often interest-only with principal repaid at maturity). Upon approval, the project is listed for investors, who can then invest manually (no auto-invest) with a minimum of €500 per project.

Returns: Investors earn interest in the range of ~7% to 11% per year, with an average around 10% annual return historically. Interest is usually paid at the end of the loan term (bullet loans), though some deals may pay quarterly or monthly interest distributions. In 2025, Letsinvest also expanded its model by introducing corporate bonds for real estate developers – a few investment campaigns have been structured as digitized bonds (regulated under its license) to offer additional diversification, though these bonds similarly pay fixed interest and are secured by project assets.

Geography & Sectors: Initially focused on Lithuanian real estate projects (residential apartments, mixed-use developments, etc.), the platform has expanded internationally – funding projects in Spain, Portugal, and Norway by partnering with experienced local developers. Most opportunities are in residential or commercial real estate, with occasional green energy or rental property projects; all undergo the same rigorous screening. Investment Terms: Typical loan maturities are 1 year to 2 years, and interest rates vary by project risk (e.g. lower-risk, first-rank mortgage loans ~7–8% and higher-risk or mezzanine loans up to ~11–12%).

The minimum investment per campaign is €500, allowing moderately accessible entry (though higher than some P2P platforms). There are no maximum investment limits beyond project size – larger investors can even fund significant portions of a deal, and for them Letsinvest offers a “Growth” membership program (personalized service and early access to new deals).

Key Risk Points: Each project carries a default risk – if a developer fails to repay, investors rely on the sale of collateral property to recover funds. While all loans are secured by real estate, there is a risk of capital loss if the property value or recovery falls short (especially in a market downturn). Loans on Letsinvest are relatively short-term; some developments may need refinancing or extension if the project isn’t completed or sold within 12–18 months, which is a potential risk factor noted by analysts (the platform often finances projects in stages, implying repayment may depend on securing new financing).

Additionally, liquidity risk is high – with no secondary market, investors must hold loans to maturity, unable to withdraw early. Investors also do not benefit from deposit insurance or any government guarantee, since these are private investments, so one should only invest money they can afford to lock in and potentially lose. Overall, Letsinvest’s product is a high-yield, asset-backed investment ideal for those seeking real estate exposure, but it requires understanding of the risks (default, illiquidity, economic cycles) and a willingness to tie up funds for the loan term.

Letsinvest Company Background and Regulation 🏦

Founders & Ownership: Letsinvest is operated by UAB “8 Stars”, a Lithuanian private limited company established in 2014 that launched the Letsinvest platform in 2020. The platform was co-founded and is led by Vytenis Kinduris, a veteran real estate expert with 25+ years experience. Vytenis serves as CEO and Chairman of the board, guiding strategy and lending his property market expertise. The core management team is small but seasoned: along with the CEO, Martynas Cimbalas (Project Director) oversees risk analysis and project due diligence, and Rima Mažukėlytė heads Investor Relations to support the growing investor community. The company emphasizes a “boutique-style” approach – a lean team focusing on quality over quantity, supported by a high-caliber Advisory Board. Notably, the advisory board includes prominent industry figures: e.g. Andrius Stonkus, founder of a major asset management firm (with €2B+ in real estate transactions), Sigitas Jautakis, an 18-year veteran in property management, Agnė Jonaitytė, a legal expert in fintech/finance, and Dainius Aksinavičius, an IT and banking specialist. This strong governance structure gives Letsinvest deep expertise in real estate, finance, law, and technology, despite its small size. Legal Structure: UAB 8 Stars (doing business as Letsinvest) is the sole operator of the platform; there are no complex subsidiaries – the company directly manages the crowdfunding service and client funds are handled via segregated accounts with payment partners.

Regulation & Licenses: Letsinvest is a fully regulated crowdfunding service provider. In July 2023, it obtained a European Crowdfunding Service Provider (ECSP) license from the Bank of Lithuania (authorization number LB002206). This license, introduced under new EU regulations, allows Letsinvest to operate across the European Economic Area under unified rules. The platform is supervised by the Bank of Lithuania, ensuring compliance with investor protection, reporting, and capital requirements. It has also notified/registered with other EU regulators to passport its services – for example, it’s listed by Spain’s CNMV and Estonia’s FSA as an authorized platform, allowing investors from those countries to use Letsinvest legally. The company is also subject to oversight by ESMA (European Securities and Markets Authority) under the ECSP framework, which harmonizes standards across Europe. Compliance: Letsinvest follows strict KYC/AML procedures for investor onboarding and provides all required disclosures (e.g. Key Investment Information Sheets for each project as mandated by regulation). Being on the public register of the central bank and having ongoing supervision adds credibility – there have been no regulatory sanctions or warnings against the company as of 2025. Overall, the company’s structure and regulation give investors a high degree of transparency and legal protection (relative to unlicensed platforms), though it’s important to note that investments still carry risk and are not insured by authorities.

Letsinvest Volumes and Performance (2024–2025) 📊

Total Funded Volume: The platform has seen rapid growth in financing activity. By the end of 2024, Letsinvest had funded nearly €60 million worth of real estate projects cumulatively since launch. Growth accelerated in 2025 – in the first half of 2025 the total funded amount reached around €80 million, and by late 2025 the platform crossed a major milestone of €100 million total investments raisedvz.lt. This highlights a ~70% year-over-year growth in lending volume from 2024 to 2025, indicating strong momentum and demand. The number of projects (“campaigns”) funded is also substantial: over 120 real estate deals have been successfully financed on Letsinvest as of Q3 2025. These projects range from small development loans under €0.5M to larger financing rounds of a few million euros each (the largest single project to date was ~€2.2M in 2022, and in 2023–2025 several multi-million projects were funded).

Investor Base: The platform’s investor community has grown to 4,000+ registered investors across Europe. Many investors are from Lithuania and neighboring countries, but the ECSP passporting has attracted users from other EU countries as well. Notably, the average portfolio per investor is relatively high (the CEO noted early on an average of ~€37k per investor, indicating many high-net-worth participants). Returns and Earnings: Letsinvest projects offer attractive yields – the historical average annual interest rate is ~10%. As of mid-2025, the platform reported an average return of ~10.1% per annum for investors and over €4 million in interest paid out to investors since inception. By the end of 2025, cumulative investor interest earnings likely exceeded €5 million, given the growing loan book. Importantly, no investors have lost money on principal so far:

Default Rate = 0% and overdue loans = 0% to date. Every single loan has been repaid (or is being repaid on schedule), which is an exceptional performance metric in the crowdfunding industry. The entire active portfolio is performing (100% of loans are current, none in recovery). However, these results are up to 2025; investors should not assume this perfect record will continue indefinitely, but it does speak to the high underwriting standards and effective risk management so far.

Portfolio Profile: The platform’s loan portfolio outstanding was about €56 million as of late 2025, reflecting the amount currently lent out to borrowers (with the rest already repaid). Most loans are short-term, so the portfolio turns over every 1–2 years. The typical loan-to-value (LTV) ratio is around 60–70%, meaning substantial equity cushion on projects. This conservative approach contributes to the low default experience. In summary, Letsinvest’s recent volumes and results show strong growth (both in project volumes and investor count) and a remarkably clean credit performance – though as volumes increase and the platform seasons, investors should monitor if default rates stay at zero or begin to normalize.

Letsinvest’s Risk Management Approach 🔍

Project Selection & Due Diligence: Letsinvest prides itself on a rigorous project vetting process. The team accepts only a limited number of projects (“boutique” model) and focuses on quality over quantity. Every prospective deal undergoes thorough due diligence: the developer’s track record and financial health are checked, the project’s business plan is analyzed, and an independent property valuation (appraisal) is obtained to ensure the loan will be well-collateralized. The platform typically requires first-rank mortgage security on the property – this means if a borrower defaults, Letsinvest investors have the primary claim on the asset. They also impose a conservative LTV cap (usually ~70% maximum), often lower; in practice many projects have LTV ~60% or less. This ensures a buffer so that even if real estate prices drop, the collateral likely still covers the loan principal. Internal Risk Scoring: While Letsinvest doesn’t publicly use a simple letter-grade system, it effectively assesses risk through interest rate setting and publishing detailed info. Higher-risk projects (e.g. a development in a foreign country or with less pre-sales) will carry higher interest (closer to 11%) and more stringent terms. Investors can see project documentation, feasibility studies, and certified appraisal reports provided on each deal’s page – this transparency allows investors to conduct their own evaluation. Many projects also come with personal guarantees from the developers’ owners as an extra layer of security. Geographic & Sector Diversification: Initially all loans were in Lithuania, a market the team knows intimately. As they expanded to Spain, Portugal, Norway, etc., they partner or closely study those markets to maintain standards. The platform favors projects in stable or growing real estate markets; for instance, it has financed seafront apartments in the Baltic resort town Palanga, upscale residential developments in Vilnius, and more recently some Iberian projects (always ensuring a knowledgeable local project sponsor is involved). They avoid extremely speculative projects – most are in mid-sized developments or renovations with clear exit strategies (sale of apartments, etc.). Monitoring & Reporting: Once funded, Letsinvest continues to monitor projects closely. Borrowers must provide updates on construction progress or sales; the platform often shares these updates with investors via the dashboard or email. If a project encounters delays, the team works on solutions such as extensions or increased collateral – so far, this has prevented any defaults. Importantly, because loans are short-term, the team can quickly react and doesn’t lock into long commitments with a troubled borrower. The company is also required to report its loan performance data to regulators periodically, adding an external check on its risk management. Investor Protection Measures: Beyond collateral, one structural protection is that investors invest via the platform but the loan agreements are direct obligations of the borrowers to investors (with Letsinvest as intermediary). This means in a default scenario, investors have legal claims. Additionally, Letsinvest co-invests small amounts in some projects (within legal limits) to align interests – while not done on every project, management has signaled they sometimes put their own funds in deals to demonstrate confidence. The platform does not offer a buyback guarantee or insurance, which is typical for real estate crowdfunding – instead, real collateral is the safety net. They emphasize a “conservative risk strategy”: by keeping the project count low and hand-picking strong projects, they’ve maintained a zero default record. Investors should still perform their own due diligence, but Letsinvest’s track record and transparent information suggest a robust risk management framework that sets it apart from many peers.

Letsinvest Platform Features and Functionality 🖥️

Manual Investing Interface: Letsinvest provides a modern online platform where investors can browse available projects, read through documentation, and invest funds, but all investments are done manually. There is no auto-invest tool – the platform intentionally encourages investors to select the projects they believe in, given the lower volume of curated deals. The website offers an intuitive dashboard for registered users: you can view your portfolio, track interest accrual, see upcoming repayments, and download account statements for tax purposes.

Project Information: Each project listing is comprehensive – including a project description, location details, development timeline, financials, collateral details (appraised value, mortgage rank, LTV), interest rate, term, and schedule of interest or principal payments. Many listings also include expert commentary or analysis from the Letsinvest team, plus risk ratings or notes (e.g., highlighting if a project is more speculative or if it’s already partially pre-funded by the developer). This helps investors make informed decisions. No Secondary Market: A notable limitation is the absence of a secondary market – investors cannot sell loans to others on the platform. Once you invest, your funds are locked until the loan is repaid by the borrower (typically at project completion). This is a conscious trade-off given the short loan terms, but it means the platform lacks the flexibility some competitors offer.

Diversification Tools: Aside from manual selection, Letsinvest does encourage diversification by usually having a few projects open in different locations or segments (e.g. one might be a residential project in Lithuania, another a hospitality project in Spain). Investors can spread their funds accordingly, but the platform does not automate this process.

Membership Tiers: For larger investors, Letsinvest has a “Growth Club” or similar program. According to platform info, those who invest above certain thresholds get perks like early access to new projects (a 24-hour head start before general release), priority support, and portfolio consultations with the team. This caters to high-net-worth individuals looking to deploy bigger sums. Languages and

Accessibility: The platform is available in multiple languages – it supports Lithuanian and English at minimum, and given its expansion, key information is likely available in other languages (investor materials have been seen in Spanish, and the team has participated in local webinars abroad). This multi-language support shows their intent to serve a broad EU audience.

Currencies: All investments and repayments are in Euros (€). Investors from Eurozone can invest without currency risk; those from non-euro countries must use EUR on the platform, so consider exchange rate implications separately. Investor Dashboard & Reporting: Letsinvest provides clear reporting of interest earned, capital invested, and project statuses. Annual tax reports are provided summarizing interest income (useful for filing taxes). They do not withhold taxes for foreign investors, so each investor is responsible for declaring earnings locally.

Additional Features: There is no insurance or guarantee fund on the platform, but by regulatory design, client funds that are not yet invested are typically held in segregated accounts (shielded from the platform’s own finances). While not a feature per se, it’s worth noting transparency is a strong point – Letsinvest even shares its project data with independent sites (for example, it publishes all deals to a public database on P2PMarketData), signaling a commitment to openness. The platform also maintains an active community on social media (Facebook and LinkedIn), often hosting webinars or Q&As for investors to discuss new projects. In summary, Letsinvest’s functionality is straightforward and investor-friendly for those who prefer a hands-on approach, but it deliberately forgoes some automated conveniences, aligning with its boutique, controlled ethos.

Letsinvest Fees and Pricing 💶

Fees for Investors: Letsinvest operates on a no-fee model for investors. Signing up, depositing funds, investing, and withdrawing funds come at no direct cost to the investor – there are no account fees, no transaction fees, and no hidden charges. Investors receive the full yield (interest rate) of each loan without deductions. The platform’s revenue comes from fees charged to project developers (the borrowers), which means investors essentially invest for free and earn gross interest. There is no management fee or performance fee taken from interest. Even features like currency exchange are moot since everything is in EUR, so no conversion fees apply.

Fees for Project Owners: Letsinvest charges project origination fees to the borrower side. While the exact fee structure isn’t publicly detailed, it typically includes a listing/arrangement fee (a percentage of the total amount raised) and possibly an interest spread (the developer might pay a slightly higher rate than investors receive, with the difference going to the platform). For example, if a project offers 10% to investors, the developer might be paying ~12%, effectively giving 2% to the platform. Additionally, some campaigns may include a success fee at funding completion. All such fees are clearly agreed with the borrower in advance; from the investor perspective, these costs are not visible except that the platform can operate sustainably.

Transparency: Letsinvest is quite transparent that “investors are not charged any fees – all costs are borne by the project owners”. They also do not incentivize misleading pricing: the interest rates advertised to investors are net. In the platform’s terms and conditions, it’s stated that investors will not be asked to pay any commission to Letsinvest; even if a project defaults and recovery involves legal costs, those would ideally be covered by collateral proceedings, not by extra charges to investors. Potential

Indirect Costs: The only potential indirect costs investors might face are banking fees outside the platform’s control (for example, if your bank charges for SEPA transfers to Lithuania, or if you invest from a non-euro account and incur FX fees). But Letsinvest itself does not impose withdrawal or deposit fees. There is also no inactivity fee – investors can leave their cash idle on account at no cost (though naturally, you’d want to invest it for returns).

Exit Fees: Since there is no secondary market or early exit mechanism, there are also no exit fees. You simply receive your principal at loan maturity. Overall, the pricing model is investor-friendly and simple: you earn interest gross, and the platform is compensated by the borrowers. This aligns incentives well, as Letsinvest is motivated to help the borrower succeed (so they get their fee), which in turn means ensuring investors get repaid. The clear disclosure of “no investor fees” increases trust, and indeed no complaints about unexpected fees have surfaced in the investor community.

Negative Publicity about Letsinvest 🚩

Controversies or Scandals: So far, Letsinvest has not been involved in any major controversies or scandals. Our research did not uncover any regulatory penalties, legal disputes, or public accusations of misconduct regarding the platform. The company has operated within the law and maintained a positive reputation in both local and international investor circles. There have been no known project failures or investor losses to date, which means no negative headlines about defaults (a rarity in crowdfunding).

Additionally, no significant delays in repayments have been reported – investors on forums noted that as of 2023–2024, none of Letsinvest’s loans were late in payments, underscoring the platform’s diligence in project selection and borrower management.

Customer Complaints: We found little in the way of public customer complaints. On social media and forums, the sentiment towards Letsinvest is generally positive – local investors often recommend it alongside other top platforms, citing their good experiences (e.g. prompt interest payments, responsive support). One reason formal reviews (like on Trustpilot) are scarce is the still modest size of the user base and the fact that the platform is relatively new (many users may simply not have thought to leave reviews). Indeed,

Letsinvest currently has no Trustpilot rating (as of 2025) due to too few reviews to calculate a score. This lack of reviews is not negative per se, but it means prospective investors must rely on detailed analyses and word-of-mouth rather than mass user feedback.

Criticisms: The main critiques of Letsinvest are operational or strategic choices rather than malpractices. For instance, some investors have expressed that the deal flow is limited – at times there may be only a couple of open projects, so investment opportunities can feel scarce (funds might sit uninvested if you miss a project or during quiet periods). This is a byproduct of the boutique approach but can frustrate those wanting continuous reinvestment. Another common criticism is the lack of a secondary market and auto-invest features, which many competing platforms offer. This means less convenience and flexibility, and some potential users might avoid Letsinvest for these reasons. However, these points are openly acknowledged by the platform (and were consciously traded off for a more controlled growth).

Regulatory and Financial Health: There have been no warnings from the Bank of Lithuania or other regulators about Letsinvest. The platform’s parent company 8 Stars UAB appears financially stable; it publishes annual financial statements, and there’s no sign of insolvency risk. In 2024 financial filings, the company was profitable, reflecting the growing volume (source data shows positive revenue from fees with manageable expenses). This is reassuring, as a platform’s failure could jeopardize the servicing of loans.

Hygiene Factors: Minor negative points that occasionally surface include the website’s language localization (early on, some project documents were only in Lithuanian, which non-local investors found inconvenient – they have since improved on providing summaries in English) and the relatively high minimum investment (€500) which excludes some small investors. But overall, no red flags have emerged about fraud or mismanagement.

Summary: Letsinvest has built a clean track record thus far. The lack of negative publicity and the presence of multiple positive signals (licensed by central bank, no defaults, transparent communication) suggest a platform that is trusted within the community. Investors should still perform due diligence, but to date there’s no indication of serious issues with Letsinvest.

Letsinvest Success Stories and Milestones 🏆

Despite being a young platform, Letsinvest has achieved several notable successes:

• Zero Default Track Record: Since its launch in 2020, Letsinvest has maintained a 0% default rate, meaning every project has repaid investors in full and on time. This impeccable record is almost unheard of in the crowdfunding industry and serves as a strong proof-of-concept for their conservative strategy.

• Rapid Growth to €100M Funded: The platform hit a major milestone in November 2025, announcing that investors had collectively invested over €100,000,000 through Letsinvest. Achieving €100M in under five years of operations underscores the strong demand from both developers and investors. According to the CEO Vytenis Kinduris, this number reflects “deserved trust from the investor community and real economic benefit created” (hundreds of new homes built, jobs created, etc. through these investments) – a point highlighted in local business media when celebrating the milestone.

• European License Pioneer: Letsinvest was among the first platforms in the Baltics to secure the ECSP license (in mid-2023). This allowed it to quickly expand services across the EU. It capitalized on this by registering in multiple countries and marketing to a broader investor audience, effectively becoming a pan-European platform ahead of many competitors. This regulatory achievement also instilled confidence in larger investors and partners.

• Cross-Border Projects: A success story is the platform’s ability to finance projects outside its home country. For example, Letsinvest successfully funded real estate developments in Spain and Portugal in 2024–2025. Entering foreign markets is often challenging, but Letsinvest’s projects (such as a Portuguese housing development) were well-received, demonstrating its capacity to operate internationally.

• Notable Projects: One highlight was the “Vandens Formos” luxury apartments project in Palanga, Lithuania. Letsinvest’s investor community financed about €5 million for this upscale seaside development at up to 11% annual interest. This was one of the largest crowdfunded real estate raises in Lithuania, and the project is seen as a showcase for how retail investors can participate in premium real estate deals. The funding success and on-track progress of Vandens Formos (expected completion in 2025) stand out as a marquee case. Another example is the Corner Hotel project in Vilnius, where investors could earn rental income from hotel apartments – an innovative hybrid model that got coverage in the press for its uniqueness.

• Digital Bond Innovation: In September 2025, Letsinvest teamed up with fintech firm Axiology to launch the first ever digital bond issue via a crowdfunding platform in Lithuania. They facilitated a €5 million bond issuance for the LHM real estate group, using blockchain-based digital securities. This initiative, enabled by a special license add-on from the Bank of Lithuania, opened a new avenue for raising capital. It also earned Letsinvest recognition for innovation in financial markets – effectively bridging traditional bonds with crowdfunding.

• Awards and Recognition: While specific awards are not documented, Letsinvest has been prominently featured in financial media and conferences. It’s often mentioned as one of the top emerging alternative investment platforms in the Baltics. The platform’s success in scaling up responsibly and its role in financing SME real estate developers have been praised in industry reports and blogs (P2P Empire rated it highly for transparency and regulation, for instance).

• Community Building: Letsinvest’s team has built a strong investor community (both online and offline). They regularly host webinars, publish market insights, and even organized investor site visits to some development projects. This community engagement has bolstered their reputation and likely contributed to investor loyalty – a success in terms of brand building.

Each of these milestones highlights Letsinvest’s trajectory from a local startup to a trusted platform with international reach. The combination of regulatory compliance, innovation (digital bonds), and tangible investor benefits (high returns with no defaults so far) form the core of its success story. The coming years will tell if they can maintain this momentum, but as of 2025, Letsinvest has firmly established itself as a leading real estate crowdfunding player in its region.

Is Letsinvest safe and regulated?

Yes. Letsinvest is a licensed platform regulated by the Bank of Lithuania under the EU crowdfunding rules. It must meet strict compliance standards and is periodically audited by regulators. While regulation adds safety (oversight, segregated accounts, etc.), remember that your investments are still subject to risk – “safe” in this context means the platform isn’t a scam and follows laws, but it doesn’t guarantee your money like a bank deposit would.

What returns can I expect on Letsinvest?

Expect around 8–10% annual returns on average. Most projects offer interest within this range (some higher up to ~11–12% for riskier deals). As of 2025, the platform’s historical average return is about 10% per year for investors. Keep in mind returns are not guaranteed; if a project defaulted, actual returns could be lower (even negative), but so far all investors have earned the promised interest.

How long is my money locked in?

Typically 6 to 24 months. The money you invest in a project is committed until that project’s loan matures and is repaid – usually between half a year to two years. There is no early withdrawal option on Letsinvest (no secondary market), so you should be comfortable not accessing that money for the duration of the loan term, which will be clearly stated for each project.

What are the main risks of investing with Letsinvest?

The primary risks are: 1) Borrower default risk – if a developer cannot repay the loan, you rely on collateral sale, which might take time and might not cover 100% of the loan (potential loss). **2) Illiquidity – your money is locked in until the loan repays, so you have liquidity risk if you suddenly need cash. **3) Real estate market risk – economic downturns or property market crashes could affect project success and collateral value. **4) Platform risk – while Letsinvest is regulated and in good health, any young company carries some risk; if the platform went out of business, another firm or the administrator would need to service the loans (plans are in place for this scenario). 5) No insurance – investments are not covered by deposit insurance, and no buyback guarantees exist; you could lose money if things go wrong. However, Letsinvest mitigates risk with collateral on loans, conservative project selection, and transparency. You should diversify (don’t put all your money in one project or even one platform) and invest only money that you can afford to have tied up and at some risk.