Civislend
Civislend is a CNMV-regulated Spanish real estate crowdlending platform that connects professional property developers seeking 1-5 million euro project financing with retail investors earning mortgage-backed returns from a 250 euro minimum. Since 2017 it has financed 147+ projects totaling 275 million euros.
- Company typePrivate
- Founded2017
- HeadquartersMadrid, Spain
- Headcount1–10
- GTM typeB2B and B2C
- OfferingServices
What Civislend does
Civislend PSFP, S.A. operates a regulated online real estate crowdlending marketplace that connects professional property developers seeking project financing with retail investors seeking real estate-backed returns. The platform, registered with Spain's CNMV as PSFP #8 since October 2017 (re-registered under EU Regulation 2020/1503 in October 2023), enables investments from a 250 euro minimum per project, with developers able to raise between 1 million and 5 million euros per project backed by first-rank mortgage guarantees. Its core product is a web-based project marketplace where investors self-register, fund accounts via the Lemonway payment infrastructure (with custody at BNP Paribas), and commit capital to published projects that include risk scoring, financial projections, and guarantee documentation.
The company's technology stack centers on a proprietary risk-scoring system approved by the Bank of Spain, used to assign interest rates and the Annual Equivalent Rate (TAE) for each project, complemented by AI tools deployed in 2025 for real-time analysis of financial and market data. A multi-stage underwriting workflow (preliminary study, feasibility analysis, risk committee approval) and external annual audits by Auren Auditores underpin the platform's risk framework. There is no mobile application; distribution is web-only with marketing support across content, social channels, and a "Trae a un amigo" referral program paying 25-75 euro bonuses.
Civislend monetizes exclusively on the supply side, charging promoters advisory and risk analysis fees plus commissions on loan opening, formalization, and ongoing monitoring, while investors face no registration, deposit, withdrawal, or investment charges. Since 2017 it has financed over 147 projects totaling more than 275 million euros, with 133.4 million euros facilitated in 2025 alone across approximately 20 Spanish cities and a first international operation completed in Porto, Portugal. The investor base demonstrates an approximately 80 percent reinvestment rate with an average of 8 projects per investor.
Civislend firmographics
Firmographics- Name
- Civislend
- Legal name
- CIVISLEND PSFP, S.A.
- Website
- https://civislend.com
- Company type
- Private
- Founded year
- 2017
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Civislend is a CNMV-regulated Spanish real estate crowdlending platform that connects professional property developers seeking 1-5 million euro project financing with retail investors earning mortgage-backed returns from a 250 euro minimum. Since 2017 it has financed 147+ projects totaling 275 million euros.
- Ownership category
- akta.pro rank
Civislend industry classification
Industry- Product category
- Real Estate Crowdfunding/Crowdlending
- NAICS
- Mortgage and Nonmortgage Loan Brokers (522310)
- SIC
- Loan Brokers (6163), Mortgage Bankers & Loan Correspondents (6162)
- akta.pro primary industry
- Real Estate Private Credit (CRE Debt) (FSANADAG)
- akta.pro secondary industries
- Real Estate Capital Markets Advisory (Debt/Equity Placement, Refinancing) (BPAJANAE), Debt Capital Raising Intermediation (Private Debt/Mezzanine/Bonds) (FSAEALAM)
Keywords
Where Civislend is headquartered
LocationHeadquarters
- HQ city
- Madrid
- HQ country
- Spain
- HQ region
- Europe
Offices1 record
Markets served
Civislend business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure
Revenue model
- Advisory and risk analysis fees from promoters: Civislend earns revenue by performing advisory work, consulting, and risk analysis for promoters presenting projects on the platform. This covers the pre-publication evaluation process.
- Loan origination and formalization commissions: Once a loan is formalized with a promoter, Civislend charges commissions for loan opening, formalization, and ongoing monitoring of the loan.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Freemium | Pay-as-you-go | Free registration for all users |
| Unit Pricing | Pay-as-you-go | Minimum investment per project |
| Unit Pricing | Multi-year contract | Promoter financing range |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels9 records
Civislend product offering
Product offeringCore offering
Civislend operates a CNMV-regulated (PSFP #8) online real estate crowdlending marketplace that connects professional property developers seeking 1M-5M EUR project financing with individual retail investors who commit capital via crowdlending (loan-based) instruments starting from 250 EUR. Projects are listed with full documentation, assessed by a Bank of Spain-approved proprietary risk scoring system, and backed by first-rank mortgage guarantees, targeting average annual returns of around 11-13% over approximately 15-month terms.
Product overview
Civislend operates as a unified crowdlending real estate investment platform combining two core offerings: a marketplace for real estate investment projects and financing services for professional developers. The platform connects investors seeking 10%-13% annual returns with property developers needing 1M€-5M€ financing, using a loan-based model (crowdlending) rather than equity participation. Projects are backed by first-ranking mortgage guarantees and typically have 15-month execution periods. The platform is complemented by a referral program ('Trae a un amigo') that rewards existing investors for bringing new users.
Differentiator
Problem solved
Functional benefit
Products and services
- Civislend Crowdlending Platform CNMV-regulated online real estate crowdfunding and crowdlending marketplace that connects professional developers seeking financing with retail investors seeking returns; it hosts project listings, documentation, risk analysis, and investment execution for mortgage-secured Spanish real estate loans.
- Project Marketplace Three-tier online marketplace displaying real estate investment projects open for financing, in-course projects, and completed projects, with full project documentation available to investors for self-service analysis.
- Real Estate Investment Projects (loan participations) Individual real estate loan participations (crowdlending) with first-rank mortgage guarantees offering fixed-interest returns typically in the 10-13% annual range, minimum investment from 250 EUR, and average execution periods of about 15 months.
- Promoter Financing Services Alternative, non-bank crowdlending financing solution for professional Spanish (and recently Portuguese) real estate developers, funding projects of 1M-5M EUR with an estimated 30-day timeline from documentation submission to disbursement, secured by first-rank mortgage, corporate bonds, or equity pledges.
Quantifiable outcome
- 11.08% average annual return in 2025 (89 completed projects weighted average)
- +7 more outcomes
Companies that use Civislend
Customer profileNamed customers1 record
Segments2 records
Ideal customer profiles2 records
Civislend technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration7 records
AI capability2 records
Feature1 record
Civislend partnerships and signals
Strategic signalPartnerships
Eight partnerships are on record, tiered flagship, core, supporting and minor.
- Leyendas EspañaflagshipCivislend and Leyendas España signed an alliance to promote real estate financing. The partnership was announced on June 22, 2026. The blog post titled 'Civislend y Leyendas España firman una alianza para impulsar...' describes this as a significant strategic alliance in the real estate sector.
- LemonwaycoreLemonway SAS is a regulated payment entity (registered in France with license number 16568, supervised by ACPR and the European Central Bank, registered with Banco de España as a payment entity without establishment in Spain) that provides payment services for Civislend. It manages investor wallet accounts, fund transfers between investors and promoters, and all payment processing. Investor funds are deposited in a BNP Paribas account in Spain. Lemonway has operated since 2007 and works with major European crowdfunding and crowdlending platforms.
- Banco SabadellsupportingBanco Sabadell serves as the bank account holder for the PSFP operational account linked to the Lemonway payment infrastructure. Civislend works with Sabadell as the underlying banking partner for fund transfers in its PSFP operations.
- BNP ParibassupportingInvestor funds deposited through Lemonway are held in a BNP Paribas account in Spain, providing an additional layer of deposit security for investor assets held prior to investment.
- ASPRIMAminorASPRIMA (Asociación de Promotores Inmobiliarios de Madrid) is listed as a collaborating entity of Civislend. ASPRIMA is the Madrid real estate developers association.
- ASEAFIminorASEAFI (Asociación Española de Plataformas de Financiación Participativa) is listed as a collaborating entity. ASEAFI is the Spanish association of participatory financing platforms.
- Fintech AssociationminorCivislend is identified as a member/collaborator of the Fintech association, indicating participation in the broader Spanish fintech ecosystem.
- Auren Auditores SP, S.L.P.supportingAuren Auditores SP, S.L.P. is the external audit firm contracted to perform annual audits of Civislend PSFP, S.A.'s financial statements. Annual audited accounts are publicly available on the platform and on the CNMV website.
Scale indicators12 records
Recent moves6 records
Expansion highlights4 records
Civislend competitors and assessment
Company assessmentBroad incumbents
- EstateGuru: EstateGuru is one of Europe's largest real estate crowdfunding platforms, operating across multiple EU markets. While not Spain-focused, it is a comparable peer in the European real estate crowdlending category and offers a benchmark for cross-border scaling.
- Yieldstreet: Yieldstreet is a US-based alternative investment platform with real estate offerings including crowdlending-style products. It is a broader alternative investing peer, not a direct Spanish competitor, but a benchmark for product diversification and retail investor scale.
- Mintos: Mintos is a European P2P lending marketplace that aggregates loans across multiple asset classes including real estate. While not exclusively real estate, it is a comparable peer for marketplace-style loan origination to retail investors at scale.
- Crowdestate: Crowdestate is a European real estate crowdfunding platform operating in multiple EU countries with both loan and equity-based products. It serves as a comparable peer for cross-border European PSFP operations.
Direct peers
- Brickstarter: Brickstarter is a Spanish real estate crowdfunding platform focused on residential development, competing with Civislend for the same retail investor and mid-market developer segments in Spain.
- Urbanitae: Urbanitae is a Madrid-based Spanish real estate crowdfunding platform authorized by the CNMV. It directly competes with Civislend for both individual investors and professional promoters, using a similar marketplace model with PSFP authorization.
- Housers: Housers is a Spanish real estate crowdfunding platform regulated by the CNMV, connecting investors with property developers. It is the most direct competitor to Civislend, operating in the same PSFP regulatory regime with a similar marketplace model for real estate loan and equity deals.
- Wecity: Wecity is a Spanish PSFP-registered real estate crowdfunding platform that originates senior-secured loans to property developers. It competes head-to-head with Civislend in Spanish mid-market real estate development financing for retail investors.
Emerging players
- Fellow Funders: Fellow Funders is a Spanish equity and loan crowdfunding platform with real estate as a core vertical. It is a partial competitor to Civislend, particularly for developers seeking equity or quasi-equity capital.
- Reental: Reental is a Spanish-origin tokenized real estate investment platform offering fractional property exposure. It overlaps with Civislend on democratized Spanish real estate investing but uses a tokenized equity model rather than crowdlending loans.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights6 records
Customer concentration
Civislend social profiles
Digital presenceCivislend financial estimates
Financial estimateRevenue estimate
Valuation estimate
Civislend leadership team
Management profileNumber of profiles
Profiles14 records
Civislend funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Civislend 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 Civislend
What does Civislend do?
Civislend operates a CNMV-regulated (PSFP #8) online real estate crowdlending marketplace that connects professional property developers seeking 1M-5M EUR project financing with individual retail investors who commit capital via crowdlending (loan-based) instruments starting from 250 EUR. Projects are listed with full documentation, assessed by a Bank of Spain-approved proprietary risk scoring system, and backed by first-rank mortgage guarantees, targeting average annual returns of around 11-13% over approximately 15-month terms.
Is Civislend a public or private company?
Civislend is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Civislend founded?
Civislend was founded in 2017. It employs 1 to 10 people.
Where is Civislend based?
Civislend is headquartered in Madrid, Spain, in the Europe region.
How does Civislend make money?
Two revenue lines are on record. Advisory and risk analysis fees from promoters are the primary driver. The others are loan origination and formalization commissions.
Who are Civislend's main competitors?
Broad incumbents on record are EstateGuru, Yieldstreet, Mintos and Crowdestate. Direct peers are Brickstarter, Urbanitae, Housers and Wecity. Emerging players are Fellow Funders and Reental.
Does Civislend have an API?
No public API is recorded for Civislend.
What industry is Civislend in?
Civislend's product category is Real Estate Crowdfunding/Crowdlending. Its primary akta.pro industry code is FSANADAG, Real Estate Private Credit (CRE Debt), with a secondary code of BPAJANAE, Real Estate Capital Markets Advisory (Debt/Equity Placement, Refinancing). Its NAICS code is 522310 and its SIC code is 6163.