GenoCrowd

What GenoCrowd does

GenoCrowd GmbH operates a digital real estate crowdinvesting platform (genocrowd.de) that connects German retail investors with property developers seeking debt financing for residential projects. Founded in autumn 2020 and headquartered in Frankfurt am Main, the company is a 100% subsidiary of portagon GmbH (formerly CrowdDesk GmbH) and operates as a founding initiative of Raiffeisenbank im Hochtaunus eG, which pre-screens and originates projects and provides consortium or senior debt alongside retail capital. The platform is licensed as a Finanzanlagenvermittler under §34f GewO and complies with the Vermögensanlagengesetz, the ECSP regulation, and GDPR, with payment processing handled through the licensed payment institution Secupay AG.

The platform runs on portagon's web-based crowdfunding technology infrastructure, offering digital onboarding, investment processing, and project communication via a public-facing site (genocrowd.de) and an authenticated investor portal (invest.genocrowd.de). Since launching in July 2021, GenoCrowd has financed 20+ projects across German cities — including Berlin, Leipzig, Magdeburg, Offenbach, Frankfurt area, Munich metropolitan area, and Zweibrücken — with individual funding volumes ranging from approximately 150,000 EUR to 1,200,000 EUR and investor returns between 4.80% and 10.00% p.a. on typically 1-4 year maturities. Minimum investment is 250 EUR and maximum 25,000 EUR per issuer under the German Kleinanlegerschutzgesetz. Total cumulative investor disbursements exceed 138 million EUR, with a single 1.38 million EUR payout executed in April 2024.

The business model is a freemium, zero-fee offering for retail investors combined with transaction-fee revenue from project developers. Distribution is exclusively self-serve via the platform, supplemented by content marketing through the Wissensdatenbank (knowledge portal), CrowdNews, CrowdVideos, an email newsletter, and the Freunde werben Freunde referral program (offering €100 to referrers and a 2.00% interest bonus for referred investors). The company operates with 1-10 employees and serves two customer segments in parallel: a long tail of German retail investors seeking asset-backed short-duration fixed-income exposure, and a portfolio of real estate developers (sourced primarily through the Raiffeisenbank network) seeking alternative debt capital.

Name

GenoCrowd

Legal name

GenoCrowd GmbH

Website

https://genocrowd.de

Company type

Private

Founded year

2020

Operating status

Operating

Headcount range

1–10 employees

Short description

GenoCrowd is a German real estate crowdinvesting platform, founded 2020 in Frankfurt, that connects retail investors (from €250) with property developers. It is a 100% subsidiary of portagon GmbH, originated projects through Raiffeisenbank im Hochtaunus eG, and has financed 20+ projects worth 138M+ EUR since 2021.

Ownership category

akta.pro rank

Product category

Real Estate Crowdfunding

NAICS

Portfolio Management and Investment Advice (523940), Securities, Commodity Contracts, and Other Financial Investments and Related Activities (523), Other Financial Vehicles (52599)

SIC

Investment Advice (6282), Real Estate Dealers (For Their Own Account) (6532), Land Subdividers & Developers (No Cemeteries) (6552)

akta.pro primary industry

Real Estate / Property-Backed Marketplace Lending (Non-mortgage) (FSAKAHAG)

akta.pro secondary industries

Pricing, Risk-Based Offer & Limit Management (FSAGAHAE), Value-Add & Opportunistic Real Estate (FSAAAKAB)

Keywords

• Real estate crowdfunding
• Crowdinvesting platform
• Debt crowdfunding
• Alternative investments
• Property development financing

Headquarters

HQ city

Frankfurt

HQ country

Germany

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Digital Commerce or Content

Cost components

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

Revenue model

1. Platform fee from project developers / issuers: GenoCrowd charges issuers (project developers) for listing and financing their real estate projects on the platform. The platform explicitly states that the use of the platform is free for investors. Revenue is generated by charging project developers for access to the investor pool and financing facilitation services.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels7 records

Core offering

GenoCrowd operates a digital real estate crowdinvesting marketplace that connects German retail investors with real estate project developers, enabling debt investments in residential and commercial property development projects. Investments start at €250 with a €25,000 cap per issuer, returns of 4.80%-10.00% per annum, and short-to-medium maturities of typically 1-4 years. The platform is free for investors and generates revenue through fees paid by project developers for listing and financing facilitation services.

Product overview

GenoCrowd is a digital real estate crowdinvesting platform operated by GenoCrowd GmbH, a 100% subsidiary of portagon GmbH. The platform functions as a single unified marketplace connecting retail investors with real estate project developers, enabling participation in property development projects starting at €250. The core product is the GenoCrowd.de platform, which aggregates individual real estate financing projects across German cities (including Leipzig, Berlin, Frankfurt, and others) with interest rates ranging from 4.80% to 10.00% p.a. and terms of typically 2–4 years. Supplementary content offerings include CrowdNews (editorial articles), CrowdVideos, and a knowledge base. The platform also features a referral program (Freunde werben Freunde) and a newsletter for investor notifications. The offering is powered by the portagon technology infrastructure and backed by Raiffeisenbank im Hochtaunus eG. No modular platform architecture or add-on products are described.

Differentiator

Problem solved

Functional benefit

Products and services

• GenoCrowd.de Crowdinvesting Platform Digital real estate crowdinvesting platform operated by GenoCrowd GmbH that connects German retail investors with real estate project developers. Enables participation in property development projects starting at €250 with returns of 4.80%-10.00% p.a. and terms of typically 1-4 years. Free for investors, revenue generated from project developers.
• Geishornstraße, Offenbach Real Estate Project Real estate development financing project in Offenbach by Sezek 1. Projekt und Handels GmbH, offered through the GenoCrowd platform with 8.50% p.a. interest and €985,000 funding volume. Available to retail investors.
• Treskowallee, Berlin Real Estate Project Real estate development project in Berlin by B-City East PG.3 UG, offered through the GenoCrowd platform with 9.00% p.a. interest, €680,000 funding volume, fully funded by 152 retail investors.
• FitterLiving Nord-Property-Hochbau, Landau-Pfalz Real Estate Project Real estate development project in Landau-Pfalz by FitterCampus GmbH, offered through the GenoCrowd platform with 10.00% p.a. interest, €1,200,000 funding volume, and 328 retail investor participations.
• Wohnen in der Dequeder Straße, Magdeburg Real Estate Project Real estate development project in Magdeburg by Neitzert Steucap Grundbesitz GmbH, offered through the GenoCrowd platform with 9.00% p.a. interest, €635,000 funding volume, fully funded by 145 retail investors.

Quantifiable outcome

• 1.38 million EUR distributed to investors in a single disbursement cycle
• +2 more outcomes

Named customers10 records

Segments3 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

Partnerships

Four partnerships are on record, tiered core, supporting and minor.

• Raiffeisenbank im Hochtaunus eGcoreStrategic or Co-development Partner · 1 October 2020Raiffeisenbank im Hochtaunus eG is the founding initiator of GenoCrowd. It identifies and pre-screens real estate development projects for quality, leveraging its extensive network in real estate finance. For all projects on the platform, the bank provides either solo or consortium senior debt financing alongside the retail capital raised through GenoCrowd. It is described as the 'first point of contact' for developers and investors in its region and beyond.
• portagon GmbHcoreTechnology or Integration · 1 October 2020portagon GmbH (formerly CrowdDesk GmbH, founded 2011) provides the technical infrastructure and financial services framework for the GenoCrowd platform. It operates the platform, provides payment processing infrastructure (via Secupay AG), and delivers compliance and administrative services. GenoCrowd GmbH is a 100% subsidiary of portagon GmbH.
• Secupay AGsupportingTechnology or IntegrationSecupay AG is the licensed payment institution that handles all payment processing on the GenoCrowd platform, including investor transfers and distributions. It is responsible for deducting capital gains tax (Kapitalertragsteuer) before net disbursements to investors.
• Trusted Partners (Trusted-Partner logos: Neue Energie Taunus, Up-Crowd, Crowdinvest Immo, Capitalo, FondsProf, CrowdDepot)minorOthersGenoCrowd displays a 'Trusted Partners' section on its website featuring logos of partner platforms and industry associations including Neue Energie Taunus, Up-Crowd, Crowdinvest Immo, Capitalo, FondsProf, and CrowdDepot. These represent industry connections and mutual referrals within the German crowdfunding ecosystem.

Scale indicators3 records

Recent moves8 records

Expansion highlights5 records

Direct peers

• Zinsland: Zinsland is a German real estate crowdinvesting platform offering subordinated debt and mezzanine financing to property developers. It serves retail investors with similar project-based, fixed-income products and operates under comparable ECSP / §34f licensing — a direct marketplace competitor.
• Exporo: Exporo is the largest German real estate crowdfunding platform, connecting retail investors with property developers for mezzanine debt investments. It is the closest direct competitor to GenoCrowd in terms of target customer (German retail investors), product (real estate-backed fixed-income offerings), and regulatory positioning (ECSP, §34f).
• Detecon / Homevest: Homevest is a German residential-real-estate investment platform offering crowd investors access to property portfolios. It competes with GenoCrowd for German retail capital seeking real estate exposure, though it focuses more on equity-like / portfolio exposure than single-project mezzanine debt.
• Companisto: Companisto is a Berlin-based crowdinvesting platform that historically focused on equity but has expanded into real estate debt products. It overlaps with GenoCrowd in target customers (German retail investors) and platform/regulatory model (ECSP-licensed crowdinvesting marketplace).
• Bergfürst: Bergfürst operates a German real estate crowdfunding platform focused on project-level mezzanine debt from retail investors. It shares GenoCrowd's customer segment (German retail investors seeking real estate debt) and product structure (fixed coupons, short maturities).
• Fundernation: Fundernation is a European crowdfunding platform with a German real estate product line under ECSP regulation. It targets retail investors in German-speaking markets and offers project-based real estate investments comparable to GenoCrowd's portfolio.
• Rendity: Rendity is an Austrian-German real estate crowdfunding platform operating under ECSP, focusing on institutional-quality development projects. It overlaps directly with GenoCrowd in product type, target retail segment, and German-speaking market geography.

Others

• portagon GmbH (formerly CrowdDesk): portagon (formerly CrowdDesk) is GenoCrowd's parent company and provides the underlying technology and compliance infrastructure. As a white-label platform provider for European crowdinvesting offerings, it is thematically related but is not a competitor — rather the supplier to GenoCrowd.
• Raiffeisenbank im Hochtaunus eG: Raiffeisenbank im Hochtaunus eG is GenoCrowd's founding initiator and primary deal-flow partner, providing senior debt alongside GenoCrowd's retail mezzanine capital. It is not a platform competitor but rather the strategic origination ally and senior lender in GenoCrowd's capital stack.

Regional players

• CrowdEstate: CrowdEstate is a real estate crowdfunding platform operating in other EU jurisdictions (notably the Baltics and CEE) under ECSP. It serves the same retail crowdinvesting model for property development but competes for pan-EU investor attention as GenoCrowd considers passporting.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights5 records

Customer concentration

• Facebookfacebook.com/GenoCrowd
• LinkedInlinkedin.com/company/genocrowd-gmbh

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds

Investors

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 GenoCrowd