Investown
- Company typePrivate
- Founded2021
- HeadquartersKarlin, Czechia
- Headcount51–100
- GTM typeB2B and B2C
- OfferingServices
Investown firmographics
Firmographics- Name
- Investown
- Legal name
- Investown Technologies s.r.o.
- Website
- https://investown.cz
- Company type
- Private
- Founded year
- 2021
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Ownership category
- akta.pro rank
Investown industry classification
Industry- Product category
- Real Estate Crowdfunding
- NAICS
- Portfolio Management and Investment Advice (523940)
- SIC
- Loan Brokers (6163)
- akta.pro primary industry
- Real Estate Capital Markets Advisory (Debt/Equity Placement, Refinancing) (BPAJANAE)
- akta.pro secondary industry
- Infrastructure & Project Finance Private Debt (FSANADAH)
Keywords
Where Investown is headquartered
LocationHeadquarters
- HQ city
- Karlin
- HQ country
- Czechia
- HQ region
- Europe
Offices1 record
Markets served
Investown business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Technology or R&D, Personnel, Marketing or Sales, Operations, Infrastructure
Revenue model
- Developer Loan Origination Fees: Project owners (developers) pay 3% of total loan amount provided, plus 0-2% per annum on the loan balance. This is the primary revenue stream from the B2B side of the platform.
- Secondary Market Transaction Fees: Investors selling investments on the secondary marketplace pay 0.9%-2% of total transaction volume. Fee varies by project.
- Wallet Withdrawal Fees: 9 CZK fee for each second and subsequent withdrawal from Investown wallet within 24 hours. First withdrawal within 24-hour period is free.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Freemium | Pay-as-you-go | Investment Platform Access |
| Transaction based/ take rate | Multi-year contract | Developer Loan Origination |
| Transaction based/ take rate | Pay-as-you-go | Secondary Market Transaction |
| Unit Pricing | Pay-as-you-go | Early Wallet Withdrawal |
Go-to-market motion2 records
Distribution channels4 records
Marketing channels7 records
Investown product offering
Product offeringCore offering
Investown operates a Czech National Bank-licensed online crowdfunding platform that connects individual retail investors with real estate developers, enabling micro-investments in property-secured loans from 500 CZK with fixed returns and monthly yield payouts. For developers, the platform provides alternative property financing ranging from 5 to 120 million CZK per project with faster execution than traditional banks.
Product overview
Investown is a Czech real estate crowdfunding platform operated by Investown Technologies s.r.o., offering a single unified product through a web and mobile application. The core Investown App enables retail investors to invest in property-backed loans starting from 500 CZK with fixed returns, monthly interest payouts, and ČNB-licensed security. The product ecosystem includes the Autoinvest add-on for automated portfolio management and the Tržiště (Marketplace) secondary market for selling investment positions. All services are governed under EU ECSPR regulation.
Differentiator
Problem solved
Functional benefit
Products and services
- Investown App Mobile and web application enabling Czech retail investors to invest in real estate-secured loans starting from 500 CZK, with fixed returns, monthly interest payouts, and licensed by the Czech National Bank under ECSPR.
- Autoinvest Standalone automated investment feature that executes investments on behalf of users based on customizable parameters such as maximum investment per project, loan term, LTV, and rating categories, enabling hands-off portfolio diversification.
- Developer Financing (Property Loans) B2B lending service providing Czech real estate developers with property-backed loan financing ranging from 5 to 120 million CZK annually (up to 600 million CZK over 5 years), with faster approval and more flexible terms than traditional bank financing.
- Tržiště (Secondary Marketplace) Standalone secondary market feature allowing investors to sell their existing investment positions to other platform investors before loan maturity, providing liquidity to otherwise locked-in real estate loan investments (transaction fee 0.9%-2%).
Quantifiable outcome
- Average yield of 9.0% p.a.
- +4 more outcomes
Companies that use Investown
Customer profileNamed customers6 records
Segments3 records
Ideal customer profiles2 records
Investown technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature4 records
Investown partnerships and signals
Strategic signalPartnerships
Four partnerships are on record, tiered core.
- ČNB (Czech National Bank)coreČNB granted Investown Technologies operating license as a crowdfunding service provider under ECSPR (European Crowdfunding Service Providers Regulation) effective October 24, 2023. This regulatory license is essential for legal operations.
- CRIFcoreCredit information system used to assess project owner creditworthiness. Investown uses CRIF system data as part of its credit scoring model for evaluating developer/project borrower eligibility.
- Veriff OÜcoreIdentity verification service provider enabling online client verification as part of KYC/AML compliance requirements.
- Amazon Web Services, Inc.coreCloud infrastructure provider for Investown's platform and data storage.
Scale indicators10 records
Recent moves6 records
Expansion highlights5 records
Investown competitors and assessment
Company assessmentDirect peers
- EstateGuru: Estonia-headquartered, EU-licensed real-estate crowdfunding platform offering property-backed loans to SMEs and developers. Closest comparable by product (property-collateralised short-duration loans), regulator (ECSPR), and cross-border growth ambition.
- Housers: Spain-based real-estate crowdfunding platform operating across multiple EU markets under ECSPR. Directly comparable by asset class (residential/commercial property), investor base (retail, fractional tickets), and developer-financing business model.
- CrowdProperty: UK-regulated property-backed peer-to-peer lending platform funding residential developers. Comparable on developer-side origination model, retail investor base, and regulated crowdfunding status.
Emerging players
- Mintos: Latvia-based P2P lending marketplace offering diversified loan portfolios including real-estate-backed loans. Comparable on marketplace/loan-servicing infrastructure and pan-European retail-investor reach, although asset class is broader than Investown's real-estate focus.
- Bondora: Estonia-headquartered European P2P lending platform with a Go & Grow automated investment product analogous to Investown's Autoinvest. Comparable on self-serve retail-investor automation and EU-wide digital distribution.
- PeerBerry: EU-licensed P2P lending platform originating consumer and business loans across CEE and EU. Comparable on ECSPR-style compliance footprint and CEE retail-investor base, though less real-estate-skewed than Investown.
- Twino: Latvia-based P2P lending platform active across EU/EEA, offering diversified consumer and business loan portfolios. Comparable on cross-border ECSPR-style distribution and retail-investor automation features.
Broad incumbents
- Česká spořitelna: Largest Czech bank (Erste Group subsidiary) and active investor/custodian partner to Investown via Seed Starter. Comparable as the incumbent Czech retail-banking franchise against which Investown's 9.0% p.a. yield proposition is positioned.
- Komerční banka: Top-3 Czech bank and major residential-mortgage originator. Comparable as an incumbent competitor on the developer-financing side and a deposit-yield competitor on the retail-investor side.
- Air Bank: Czech retail-focused bank known for transparent savings products and competitive deposit rates. Comparable as a competing destination for Czech retail savings and a benchmark for fixed-yield product positioning.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Investown social profiles
Digital presenceInvestown compliance and trust
Trust signalCompliance1 record
Investown financial estimates
Financial estimateRevenue estimate
Valuation estimate
Investown leadership team
Management profileNumber of profiles
Profiles6 records
Investown funding detail
Funding detailFunding overview
Funding rounds3 records
Investors4 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Investown 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 Investown
What does Investown do?
Investown operates a Czech National Bank-licensed online crowdfunding platform that connects individual retail investors with real estate developers, enabling micro-investments in property-secured loans from 500 CZK with fixed returns and monthly yield payouts. For developers, the platform provides alternative property financing ranging from 5 to 120 million CZK per project with faster execution than traditional banks.
Is Investown a public or private company?
Investown is a private company. It is classified as venture growth investor backed and is currently operating.
When was Investown founded?
Investown was founded in 2021. It employs 51 to 100 people.
Where is Investown based?
Investown is headquartered in Karlin, Czechia, in the Europe region.
How does Investown make money?
Three revenue lines are on record. Developer Loan Origination Fees are the primary driver. The others are secondary Market Transaction Fees and wallet Withdrawal Fees.
Who are Investown's main competitors?
Direct peers on record are EstateGuru, Housers and CrowdProperty. Emerging players are Mintos, Bondora, PeerBerry and Twino. Broad incumbents are Česká spořitelna, Komerční banka and Air Bank.
Does Investown have an API?
No public API is recorded for Investown.
What industry is Investown in?
Investown's product category is Real Estate Crowdfunding. Its primary akta.pro industry code is BPAJANAE, Real Estate Capital Markets Advisory (Debt/Equity Placement, Refinancing), with a secondary code of FSANADAH, Infrastructure & Project Finance Private Debt. Its NAICS code is 523940 and its SIC code is 6163.