Raizers
Raizers is a European real estate crowdfunding platform that connects individual investors with property developers and promoters via regulated bond and loan offerings. Operating across France, Switzerland, Spain, and Benelux, it has facilitated over €445 million in project financing since 2015.
- Company typePrivate
- Founded2014
- HeadquartersLausanne, Switzerland
- Headcount11–50
- GTM typeB2B and B2C
- OfferingServices
What Raizers does
Raizers is a European real estate crowdfunding platform founded in September 2014, co-managed by RAIZERS SA (Geneva, Switzerland) and RAIZERS SAS (Paris, France), with operating presence also in Lyon, Luxembourg, and into Spain. The platform intermediates direct lending between individual investors — both retail savers and professional wealth managers (CGPs) managing client portfolios — and professional real estate operators including developers, promoters, lot developers, and property traders. Investors access opportunities through a self-serve web platform and native iOS/Android applications with investments starting at €100 per project and average returns of around 11% over a 21-month average duration; the platform has facilitated more than €445 million in cumulative financing across 445+ projects since 2015.
The core technology stack is a regulated crowdfunding platform integrated with MangoPay (Luxembourg-regulated e-money institution) for wallet operations, hosted on AWS, offering a project performance tracking dashboard and (as of late 2025) the SmartInvest automated portfolio diversification module. The business model is transaction-based: Raizers earns placement commissions from project issuers as a percentage of financed amounts, plus an interest rate spread on facilitated loans, plus a 0.8% credit card processing fee on wallet funding (exempt from VAT per Article 261 C of the French General Tax Code). Customer segments are horizontal: individual retail investors, professional wealth managers, corporate treasury accounts, and on the supply side a long tail of small and mid-sized real estate developers. The platform is AMF-authorized as a PSFP under EU Regulation 2020/1503 (license FP-2023-5) and obtained B Corp certification in 2024.
Raizers firmographics
Firmographics- Name
- Raizers
- Legal name
- RAIZERS SA
- Website
- https://raizers.com
- Company type
- Private
- Founded year
- 2014
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Raizers is a European real estate crowdfunding platform that connects individual investors with property developers and promoters via regulated bond and loan offerings. Operating across France, Switzerland, Spain, and Benelux, it has facilitated over €445 million in project financing since 2015.
- Ownership category
- akta.pro rank
Raizers industry classification
Industry- Product category
- Real Estate Crowdfunding
- NAICS
- Real Estate Credit (522292)
- SIC
- Loan Brokers (6163)
- akta.pro primary industry
- Project Finance Capital Raising Intermediation (FSAEALAJ)
- akta.pro secondary industry
- Private Credit — Infrastructure Debt & Project Finance (FSAHAJAJ)
Keywords
Where Raizers is headquartered
LocationHeadquarters
- HQ city
- Lausanne
- HQ country
- Switzerland
- HQ region
- Europe
Offices4 records
Markets served
Raizers business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure, Others
Revenue model
- Transaction and Placement Fees: Raizers charges fees to project issuers (real estate developers and promoters) for placing their bond or loan offerings on the platform. The company receives commissions from issuers calculated as a percentage of financed projects.
- Interest Rate Spread: Interest rates are proposed by project issuers and adjusted by Raizers after audit. Raizers facilitates the lending between investors and project developers, earning a spread on the interest rates negotiated.
- Credit Card Processing Fee: A 0.8% commission is charged on credit card payments when funding the investment wallet. This fee is passed on to the subscriber.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Individual investor account - access to all investment opportunities starting from €100 |
| Transaction based/ take rate | Pay-as-you-go | SmartInvest automated investment - automated diversification across projects |
| Transaction based/ take rate | Pay-as-you-go | Credit card wallet funding |
Go-to-market motion1 record
Distribution channels4 records
Marketing channels5 records
Raizers product offering
Product offeringCore offering
Raizers operates a regulated European real estate crowdfunding platform that matches property developers and promoters seeking short-term financing with individual and corporate investors. Projects are funded via bond and loan instruments starting from €100 per project, and an optional SmartInvest module automates portfolio diversification across amount, project type, country, and duration criteria.
Product overview
Raizers operates as a unified real estate crowdfunding platform that facilitates investment between property professionals and individual investors. The core Raizers Platform enables bond and loan-based investments in real estate projects, while SmartInvest by Raizers provides an automated portfolio diversification module that automatically allocates capital based on investor-defined criteria. The Raizers Mobile App serves as a companion application for iOS and Android, enabling investors to track opportunities and manage portfolios on mobile devices. The platform reports €445M collected across 445 operations with an average yield of 11% and 21-month average investment duration.
Differentiator
Problem solved
Functional benefit
Brands
- SmartInvest by Raizers: Automated investment solution enabling portfolio diversification with automatic allocation based on user-defined criteria (amount, project type, country, duration). Accessible starting at €100.
- CAPITALIUM Real Estate Fund by RAIZERS
Products and services
- Raizers Platform Regulated European real estate crowdfunding platform that lists vetted bond and loan offerings from real estate developers and promoters, allowing investments starting from €100 per project with an average 11% historical annual return over a 21-month duration; serves both individual investors and corporate investors.
- SmartInvest by Raizers Automated investment tool that allocates investor capital across multiple real estate projects according to user-defined criteria (amount, project type, country, duration), reducing risk through intelligent diversification.
- Raizers Mobile App (iOS and Android) Native iOS and Android applications that allow investors to browse projects, fund investments, monitor repayments and defaults in real time, and manage their portfolios from mobile devices.
- CAPITALIUM Real Estate Fund Luxembourg-based alternative investment fund managed by RAIZERS AM S.à r.l., the wholly-owned subsidiary of RAIZERS SA, providing pooled real estate fund vehicles alongside the project-level crowdfunding offerings.
Quantifiable outcome
- Average annual return rate of 11% with 21-month average investment duration
- +2 more outcomes
Companies that use Raizers
Customer profileNamed customers8 records
Segments3 records
Ideal customer profiles3 records
Raizers technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature2 records
Raizers partnerships and signals
Strategic signalPartnerships
Three partnerships are on record, tiered core and support.
- MangoPaycoreMangoPay S.A., a Luxembourg-based electronic money institution regulated by CSSF, provides payment processing infrastructure for the platform. Handles wallet operations, fund transfers, and payment processing for investor subscriptions and repayments. Located at 2 Avenue Amélie, L-1125 Luxembourg.
- FINSOM (Financial Services Ombudsman)supportSpecialized mediation body administering a dispute resolution system for business relationships in financial services. Recognized by Switzerland's Federal Department of Finance (FDF) under LSFin. Provides additional consumer protection mechanism.
- Amazon Web Services (AWS)supportCloud hosting provider for the Raizers platform. AWS provides the underlying infrastructure supporting the web application and data management capabilities.
Scale indicators8 records
Recent moves6 records
Expansion highlights6 records
Raizers competitors and assessment
Company assessmentDirect peers
- Homunity: French real estate crowdfunding platform connecting individual investors with property developers through bond and equity offerings. Closely comparable business model, geography, and customer base, operating as a direct competitor to Raizers in the French PSFP market.
- Anaxago: Paris-based real estate and private equity crowdfunding platform offering individual investors access to property development and start-up financings. Comparable as a French-headquartered direct competitor with similar PSFP-style lending focus and minimum-investment accessibility.
- Fundimmo: French real estate crowdfunding platform focused on property development loans for individual investors. Directly competes with Raizers in the French PSFP-licensed segment with overlapping issuer and investor profiles.
- Wiseed: French crowdfunding platform historically focused on equity but expanding into real estate. Comparable as a French-headquartered regulated platform serving individual investors seeking real estate and alternative asset exposure.
- Lendopolis: Real estate and SME crowdfunding platform originally launched by KissKissBankBank's parent group, operating under French PSFP regulation. Comparable product offering and investor base to Raizers in the French alternative lending space.
- Property Partner: UK-headquartered real estate crowdfunding platform that pioneered fractional property investment for retail investors. Comparable product category and self-serve investor model, although focused on UK residential rather than continental European development lending.
Broad incumbents
- EstateGuru: European cross-border real estate crowdfunding platform operating across multiple countries including Germany, Spain, and the Baltics. Comparable as a broader European incumbent in the same category, though it does not focus exclusively on France/Switzerland like Raizers.
- October: European P2P lending platform originally focused on SME loans, expanded into real estate-backed lending across France, Spain, Italy, and Germany. Comparable as a regulated continental European alternative lender serving both SMEs and real estate borrowers, though broader in sector scope.
- Younited Credit: Paris-headquartered regulated consumer and SME credit platform operating across multiple European countries. Comparable as a French-licensed alternative credit intermediary, though broader in product scope and significantly larger in scale and capital base than Raizers.
Emerging players
- Companisto: Berlin-based venture and real estate crowdfunding platform serving German and European investors. Comparable as a European regulated platform, though with a stronger equity/venture tilt and more limited real estate deal flow than Raizers.
Market position
Strengths5 records
Weaknesses4 records
Competitive moat5 records
Key risks6 records
Key highlights6 records
Customer concentration
Raizers social profiles
Digital presenceRaizers compliance and trust
Trust signalCompliance3 records
Raizers financial estimates
Financial estimateRevenue estimate
Valuation estimate
Raizers leadership team
Management profileNumber of profiles
Profiles3 records
Raizers subsidiaries and ownership
Company hierarchySubsidiaries2 records
Raizers funding detail
Funding detailFunding overview
Funding rounds2 records
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Raizers 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 Raizers
What does Raizers do?
Raizers operates a regulated European real estate crowdfunding platform that matches property developers and promoters seeking short-term financing with individual and corporate investors. Projects are funded via bond and loan instruments starting from €100 per project, and an optional SmartInvest module automates portfolio diversification across amount, project type, country, and duration criteria.
Is Raizers a public or private company?
Raizers is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Raizers founded?
Raizers was founded in 2014. It employs 11 to 50 people.
Where is Raizers based?
Raizers is headquartered in Lausanne, Switzerland, in the Europe region.
How does Raizers make money?
Three revenue lines are on record. Transaction and Placement Fees are the primary driver. The others are interest Rate Spread and credit Card Processing Fee.
Who are Raizers's main competitors?
Direct peers on record are Homunity, Anaxago, Fundimmo, Wiseed, Lendopolis and Property Partner. Broad incumbents are EstateGuru, October and Younited Credit. Companisto is listed as an emerging player.
Does Raizers have an API?
No public API is recorded for Raizers.
What industry is Raizers in?
Raizers's product category is Real Estate Crowdfunding. Its primary akta.pro industry code is FSAEALAJ, Project Finance Capital Raising Intermediation, with a secondary code of FSAHAJAJ, Private Credit — Infrastructure Debt & Project Finance. Its NAICS code is 522292 and its SIC code is 6163.