🏷️ Quick overview
Name : Crowdpear
Creation : 2022
Country : Lithuania (Headquarters in Vilnius)
Investors / Funded amounts : +8,650 investors / +30 million € funded
Type of loans : Real estate (mostly), business, rental
Target strategy type : Moderate growth, long-term real estate diversification
💻 Interface & Accessibility
Site language : English
General ergonomics : Clean and intuitive interface, clear navigation
Registration and KYC verification : Quick procedure compliant with European standards
Mobile app available : No
Auto-invest : No
📈 Yield & Performance
Current yield of the platform : 10 - 13%, depending on the amount lent to each project
Observed yield (personal) : Approximately 12.50% (Long presence and Loyalty Program)
Loyalty Program : >$10,000 = +0.5% ..... >$25,000 = +0.75% ..... >$40,000 = +1%
Average loan duration : 12 to 24 months
Investment mode : Only manual
Minimum investment : 100 €
Withholding tax : Yes, 15 %
⚠️ Risks & Safety
Identified risks : Risk of default on real estate projects, young platform with little hindsight
Buyback guarantee / collateral : Yes, real estate collateral on each project
Borrower rating available : No
Secondary market : Yes
Global transparency : Good
Diversity of originators : Platform not linked to originators
💧 Liquidity
Withdrawal ease : Average, funds are available at the maturity of the loans, or for sale on the secondary market
Average time to recover funds : Long, project deadline + potential delays
Deposit/withdrawal times : 1 to 2 business days
Cash drag management : Moderate, it is necessary to increase the contribution per project to reduce cash drag
🛡️ Regulation & Reliability
Official regulation (PSFP, FCA, etc.) : PSFP license obtained in Lithuania at the end of 2022
Legal compliance (country of origin) : Compliant with European standards
History / known incidents : No notable incidents to date
Responsive customer service : Yes (email, telegram)
Regular communication : Average, a few newsletters, few in-depth articles
🎁 Bonus & Referral
Welcome bonus : Yes
Amount or % : 0.5% on investments for the first 90 days
Referral bonus : No
🧠 My personal opinion
✅ Strengths :
- Regulated platform, with a strong legal framework
- User-friendly interface
- Clear and well-documented real estate projects
- Attractive returns for a regulated platform
❌ Weak points :
- Young historical
- Some projects in recovery
- Poor communication
📌 Am I investing in it? Why? : Yes, with caution. I allocate a small portion of my portfolio for long-term diversification. The regulatory framework is reassuring, but the lack of history and liquidity encourages a measured approach. An improvement in overall returns may prompt me to repatriate some capital soon.
🔍 For which investor profile? : Patient investors, attracted to real estate, looking for a PSFP platform with high growth potential