Concreit

What Concreit does

Concreit is a Seattle-based fintech operating a mobile-first fractional real estate investing platform that serves individual retail investors in the United States. Founded in 2018/2019, the company enables everyday investors — both accredited and non-accredited — to access private real estate investments with minimums as low as $1 historically and a $250 weekly auto-invest cadence, eliminating the capital, expertise, and property-management burdens typical of direct real estate ownership.

The platform runs two core investment strategies. Cash Flow is a debt-focused strategy that invests in a diversified portfolio of first-lien mortgages backed by real estate valued at approximately 130% of invested dollars, paying weekly dividends. Home Shares is an equity strategy that allows fractional ownership of single-family rental properties with income and appreciation potential. The mobile app (iOS/Android) and web client provide portfolio tracking, automated investing, financial goal-setting, and on-demand withdrawals. Underlying infrastructure combines Dwolla for ACH/payment processing, North Capital Investment Technology for execution, and Dalmore Group LLC as the executing broker-dealer (FINRA/SIPC). Concreit Fund Management LLC is registered with the SEC under the Investment Advisers Act of 1940, and the Cash Flow offering is structured as an SEC-qualified Regulation A+ Tier 2 security, which is the company's primary regulatory differentiator versus accredited-only competitors.

The business model is asset-light and recurring: Concreit earns investment advisory fees on assets under management through Concreit Fund Management LLC and securities transaction processing fees through Dalmore Group. Distribution is primarily product-led and direct-to-consumer via app store and web sign-up, supplemented by an affiliate program managed through Rakuten (with Adjust for measurement) and a B2B2C partnership with CU WealthNext to reach credit union members. The company was built on $6M in seed funding led by Matrix Partners in September 2021 and has scaled to 40,000+ members with 100,000+ investments executed on the platform.

Name

Concreit

Legal name

Concreit Inc.

Website

https://concreit.com

Company type

Private

Founded year

2019

Operating status

Operating

Headcount range

11–50 employees

Short description

Concreit is a Seattle-based fintech operating a mobile-first platform that enables U.S. retail investors to make fractional investments in private real estate via SEC-qualified Regulation A+ Tier 2 offerings. It offers two strategies — Cash Flow (first-lien mortgage debt) and Home Shares (single-family rental equity).

Ownership category

akta.pro rank

Product category

Fractional Real Estate Investment Platform

NAICS

Portfolio Management and Investment Advice (523940), Other Financial Vehicles (52599)

SIC

Investment Advice (6282), Security & Commodity Brokers, Dealers, Exchanges & Services (6200)

akta.pro primary industry

Digital Brokerage & Self-Directed Investing Platforms (FSAGAEAC)

Keywords

• Fractional real estate investing
• Real estate crowdfunding
• Passive real estate income
• Alternative investment platform
• Real estate debt investing

Headquarters

HQ city

Seattle

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2C

Offering type

Software

Cost components

Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure

Revenue model

1. Investment Advisory Fees: Concreit Fund Management LLC, a registered investment adviser with the SEC, provides investment advisory services to investors through a Client Agreement. Fees are charged on assets under management.
2. Securities Transaction Processing: Securities are offered through Dalmore Group LLC, a registered broker-dealer (member FINRA & SIPC), with fees associated with transaction processing.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels5 records

Core offering

Concreit operates a mobile-first platform that enables individual investors to invest in fractional private real estate through two strategies — Cash Flow (a managed portfolio of first-lien mortgages and income equity paying weekly dividends) and Home Shares (fractional equity ownership in single-family rentals). The platform handles SEC-qualified Regulation A+ Tier 2 securities offerings, processes investments and redemptions through Dwolla, and delivers automated investing, real-time portfolio tracking, goal-setting, and on-demand withdrawals.

Product overview

Concreit is a fractional real estate investing platform that enables everyday investors to access private real estate investments through a mobile app. The platform operates two primary investment strategies: Cash Flow (focused on real estate debt through first-lien mortgages offering weekly dividends) and Home Shares (offering fractional equity ownership in single-family rentals with income and appreciation potential). The core offering is the mobile app, which provides portfolio management, auto-investment features, real-time account updates, and on-demand withdrawal capabilities.

Differentiator

Problem solved

Functional benefit

Brands

• Cash Flow: A strategy focused on building income with a diversified portfolio of fully managed real estate debt and income equity.
• Home Shares

Products and services

• Cash Flow Strategy An investment strategy providing a fully managed, diversified portfolio of first-lien mortgages (backed by real estate valued at approximately 130% of invested dollars) and income equity, paying weekly dividends. Targeted at individual investors seeking passive real estate debt exposure typically reserved for hedge funds and private equity.
• Home Shares An equity investment strategy enabling users to own fractional shares of single-family rental properties, with potential for both rental income and property appreciation. Aimed at individual investors seeking direct real estate equity exposure without property management responsibilities.
• Concreit Mobile App
• Concreit Mobile App A mobile application enabling individual users to invest in real estate with low minimums (as little as $1 historically), set up weekly auto-investments (e.g., $250), track portfolio performance in real time, receive property notifications, manage withdrawals on demand, and use goal-setting and financial planning tools. Available on iOS and Android.

Quantifiable outcome

• 40,000+ members on platform
• +3 more outcomes

Named customers4 records

Segments2 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

Feature4 records

Partnerships

Three partnerships are on record, tiered core and minor.

• North Capital Investment Technology (NCIT)coreTechnology or IntegrationNCIT provides execution and brokerage services related to equity securities transactions. They process EFTs as directed through the Concreit platform.
• DwollacoreTechnology or IntegrationDwolla Inc. provides the payment platform for electronic funds transfers including ACH, Fedwire, and credit card transactions. Users must open a Dwolla Platform account to use payment functionality.
• RakutenminorChannel Partner/ Reseller/ DistributorRakuten provides affiliate tracking, reporting, and payment services for Concreit's affiliate program. Concreit partners with Rakuten for affiliate network management.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Streitwise: Streitwise offers a Reg A+ non-traded REIT focused on commercial real estate debt, targeting non-accredited retail investors with low minimums and dividend distributions. It competes directly with Concreit's Cash Flow strategy for the same retail yield-seeking audience.
• Fundrise: Fundrise is the largest direct-to-consumer fractional real estate investing platform in the U.S., offering both eREIT debt and individual property equity via Reg A+ to retail investors. It is the closest functional competitor to Concreit in business model, regulatory structure, and target customer.
• RealtyMogul: RealtyMogul operates a real estate crowdfunding and investing platform serving both individual and institutional investors with diversified REITs and individual property offerings. It competes directly with Concreit in democratizing private real estate for retail investors.
• Arrived Homes: Arrived enables retail investors to buy fractional shares of single-family rental properties, directly mirroring Concreit's Home Shares strategy. It targets the same non-accredited retail audience with low minimums and a self-serve mobile/web experience.
• DiversyFund: DiversyFund offers Reg A+ private REITs to non-accredited retail investors with no management fees and a focus on multifamily value-add real estate. It is a comparable retail-facing real estate crowdfunding platform.
• CrowdStreet: CrowdStreet is an online marketplace for private real estate investing offering individual deals and funds to both accredited and non-accredited investors. It overlaps Concreit on retail access to private real estate, though it skews more toward deal-by-deal investing.

Broad incumbents

• Yieldstreet: Yieldstreet is a broader alternative-asset platform offering real estate, marine, legal, and other private credit investments to retail investors. It competes with Concreit for the same retail capital seeking yield and diversification outside of public markets.
• Betterment: Betterment is a leading digital wealth management and self-directed investing platform highlighted as a comparable by Concreit itself. While broader than real estate, it competes for the same retail investor mindshare and digital advisory relationships.

Emerging players

• Roofstock: Roofstock operates a marketplace for buying and selling single-family rental properties and offers Roofstock One, a fractional ownership product for SFRs. It overlaps Concreit's Home Shares strategy with a more marketplace-driven model.
• Roofstock One / Village: Roofstock's managed SFR product allows individual investors to own shares of portfolios of single-family rentals without direct property management. It directly competes with Concreit's Home Shares equity offering in the same retail SFR fractional space.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• Xx.com/concreitapp

Compliance5 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds5 records

Investors4 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Concreit