CrowdProperty
CrowdProperty is a UK FCA-authorized peer-to-peer lending platform that provides senior-secured property development finance to SME residential developers, funded by retail and institutional investors, and has facilitated over £900m across 460+ projects since 2013.
- Company typePrivate
- Founded2013
- HeadquartersEdgbaston, United Kingdom
- Headcount51–100
- GTM typeB2B and B2C
- OfferingServices
CrowdProperty firmographics
Firmographics- Name
- CrowdProperty
- Legal name
- CrowdProperty Ltd
- Website
- https://crowdproperty.com
- Company type
- Private
- Founded year
- 2013
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- CrowdProperty is a UK FCA-authorized peer-to-peer lending platform that provides senior-secured property development finance to SME residential developers, funded by retail and institutional investors, and has facilitated over £900m across 460+ projects since 2013.
- Ownership category
- akta.pro rank
CrowdProperty industry classification
Industry- Product category
- Property Development Finance
- NAICS
- Real Estate Credit (522292)
- SIC
- Short-Term Business Credit Institutions (6153), Loan Brokers (6163)
- akta.pro primary industry
- P2P Small Business / SME Marketplace Lending (FSAKAHAC)
- akta.pro secondary industries
- P2P Loan Syndication & Participation Platforms (FSAKAHAL), P2P Secured / Collateralized Lending (General) (FSAKAHAJ)
Keywords
Where CrowdProperty is headquartered
LocationHeadquarters
- HQ city
- Edgbaston
- HQ country
- United Kingdom
- HQ region
- Europe
Offices2 records
Markets served
CrowdProperty business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Others
Revenue model
- Borrower Arrangement Fees: CrowdProperty earns arrangement fees paid by borrowers at the time of loan origination. These fees are deducted from the loan facility and are a primary upfront revenue source.
- Interest Margin: CrowdProperty earns a spread on the interest paid by borrowers. The platform charges borrower interest, a portion of which is passed to investors, with CrowdProperty retaining the margin. Rolled interest is standard on non-exceptional development loans, settled at loan repayment.
- Exit Fees: Fees charged when borrowers fully repay loans, typically upon property sale or refinancing. These are additional to the interest margin.
- Default and Extension Fees: When borrowers exceed contract end dates or require loan extensions, higher interest rates apply from the original due date. Some of the additional interest is passed to investors, with the remainder covering CrowdProperty's costs for solicitors, LPA receivers, and increased internal resource. Default-related fees also apply.
- No Investor Platform Fees: CrowdProperty does not charge investors platform or investment fees. Revenue is generated entirely from borrowers, not from lenders on the platform.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Developer loans - Interest rates and fees quoted per deal |
| Transaction based/ take rate | Pay-as-you-go | IFISA - Tax-efficient investment wrapper |
| Other | Pay-as-you-go | AutoInvest - Automated diversification tool |
Go-to-market motion3 records
Distribution channels5 records
Marketing channels6 records
CrowdProperty product offering
Product offeringCore offering
CrowdProperty is a UK peer-to-peer/marketplace lending platform that funds SME residential property developers with senior-secured development loans, sourcing capital from retail investors (including via IFISA and pension wrappers) and institutional partners. The platform delivers tailored, transparent short-term development finance (typically 6-36 months) with first legal charge security on each project, staged drawdowns tied to construction milestones, and returns of up to 10.5% advertised to lenders.
Product overview
CrowdProperty operates as a unified marketplace lending platform connecting SME property developers seeking funding with retail and institutional investors seeking returns. The core product is Property Development Finance, which provides senior-secured development loans for UK SME developers. This is supported by investor-facing products including IFISA (tax-efficient wrapper), AutoInvest (automated diversification), and Pension Investment options. The platform is complemented by dedicated Broker Services for intermediaries introducing developer clients. The architecture is a platform-plus-modules structure where the core lending engine underpins the investor products and broker services.
Differentiator
Problem solved
Functional benefit
Products and services
- Property Development Finance Senior-secured short-term development loans (typically 6-36 months) for UK SME residential property developers, with first legal charge security, LTGDV typically 60-70%, LTC up to 80-85% (flexible to 90-95%), and staged drawdowns tied to Independent Monitoring Surveyor inspections. Funded through institutional capital and regulated peer-to-peer investment.
- IFISA (Innovative Finance ISA)
Quantifiable outcome
- 0.01% actual losses on loan book (after £387M lent, nearly 10 years of lending)
- +5 more outcomes
Companies that use CrowdProperty
Customer profileNamed customers5 records
Segments4 records
Ideal customer profiles4 records
CrowdProperty technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration3 records
AI capability3 records
Feature4 records
CrowdProperty partnerships and signals
Strategic signalPartnerships
Four partnerships are on record, tiered core and minor.
- GojicoreGoji provides investor administration services including IFISA management, pension administration, and wallet services for retail investors on the CrowdProperty platform. Funds held in Goji-managed accounts are held in the clients' own names and are protected separately from CrowdProperty's assets.
- ModulrcoreModulr provides payment services and regulated e-money infrastructure for the CrowdProperty platform, enabling seamless processing of loan disbursements and investor repayments.
- Lloyds BankcoreLloyds Bank provides banking services including client and operational accounts for CrowdProperty. The platform is fully integrated into Lloyds' banking systems to deliver a seamless experience for customers.
- Waterman AspenminorVictoria Lane, planning expert and Area Manager at Waterman Aspen, was featured in a Q&A article on CrowdProperty's blog discussing urban planning permission challenges. This represents a content collaboration with a specialist firm to provide expert insights to the developer audience.
Scale indicators16 records
Recent moves6 records
Expansion highlights6 records
CrowdProperty competitors and assessment
Company assessmentDirect peers
- LendInvest: UK's largest specialist property finance marketplace, offering bridging, development, and buy-to-let loans funded through institutional and retail capital. Most directly comparable to CrowdProperty as a regulated P2P/marketplace lender focused on UK property development.
- Assetz Capital: UK P2P/marketplace lending platform offering property-backed loans including development finance, bridging, and buy-to-let mortgages. Directly comparable to CrowdProperty as a regulated platform connecting investors to UK property developers.
- Blend Network: UK P2P platform specialising in development and bridging finance for SME property developers. Directly comparable as a peer-to-peer lender in the same SME residential development niche.
- Proplend: UK marketplace lending platform focused on commercial property bridging and development loans for professional investors and developers. Comparable as a UK P2P property lender serving developer/borrower segment.
Broad incumbents
- Shawbrook Bank: UK specialist challenger bank offering property development, bridging, and buy-to-let finance to SMEs and professional landlords. Comparable as a specialist UK development lender; competes for the same SME developer customers but operates from a regulated bank balance sheet.
- Paragon Bank: UK specialist bank providing property finance including development loans, bridging, and buy-to-let mortgages. Comparable as a broad incumbent offering specialist property development finance to UK SMEs.
- Aldermore Bank: UK specialist bank offering development finance, bridging, and asset finance to SMEs and property professionals. Comparable as a broad incumbent providing specialist UK property development lending.
- Octopus Property: UK specialist property finance division of Octopus Group, providing development, bridging, and term finance for residential and commercial property. Comparable as a UK-based specialist property development lender serving professional developers.
- Zopa: UK-born P2P pioneer now operating as a digital bank. Comparable as a UK-headquartered P2P/marketplace lender with FCA authorisation, though focused on consumer and SME lending rather than property development.
Others
- British Business Bank (British Business Investments): UK government-backed economic development bank that provides funding lines to challenger lenders including CrowdProperty. Comparable as a strategic capital partner and ecosystem participant in UK alternative finance.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat6 records
Key risks5 records
Key highlights7 records
Customer concentration
CrowdProperty social profiles
Digital presenceCrowdProperty compliance and trust
Trust signalCompliance2 records
CrowdProperty financial estimates
Financial estimateRevenue estimate
Valuation estimate
CrowdProperty leadership team
Management profileNumber of profiles
Profiles9 records
CrowdProperty funding detail
Funding detailFunding overview
Funding rounds7 records
Investors2 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
CrowdProperty M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about CrowdProperty
What does CrowdProperty do?
CrowdProperty is a UK peer-to-peer/marketplace lending platform that funds SME residential property developers with senior-secured development loans, sourcing capital from retail investors (including via IFISA and pension wrappers) and institutional partners. The platform delivers tailored, transparent short-term development finance (typically 6-36 months) with first legal charge security on each project, staged drawdowns tied to construction milestones, and returns of up to 10.5% advertised to lenders.
Is CrowdProperty a public or private company?
CrowdProperty is a private company. It is classified as venture growth investor backed and is currently operating.
When was CrowdProperty founded?
CrowdProperty was founded in 2013. It employs 51 to 100 people.
Where is CrowdProperty based?
CrowdProperty is headquartered in Edgbaston, United Kingdom, in the Europe region.
How does CrowdProperty make money?
Five revenue lines are on record. Borrower Arrangement Fees are the primary driver. The others are interest Margin, exit Fees, default and Extension Fees and no Investor Platform Fees.
Who are CrowdProperty's main competitors?
Direct peers on record are LendInvest, Assetz Capital, Blend Network and Proplend. Broad incumbents are Shawbrook Bank, Paragon Bank, Aldermore Bank, Octopus Property and Zopa. British Business Bank (British Business Investments) is listed as an others.
Does CrowdProperty have an API?
No public API is recorded for CrowdProperty.
What industry is CrowdProperty in?
CrowdProperty's product category is Property Development Finance. Its primary akta.pro industry code is FSAKAHAC, P2P Small Business / SME Marketplace Lending, with a secondary code of FSAKAHAL, P2P Loan Syndication & Participation Platforms. Its NAICS code is 522292 and its SIC code is 6153.