Crowdpear
Crowdpear is an EU-regulated, Vilnius-headquartered crowdfunding platform connecting retail investors with property-backed real estate and SME loans under an ESCP license from the Bank of Lithuania, operating across Lithuania, Romania, and Portugal.
- Company typePrivate
- Founded2022
- HeadquartersVilnius, Lithuania
- Headcount1–10
- GTM typeB2C
- OfferingSoftware
What Crowdpear does
Crowdpear is an EU-regulated crowdfunding platform headquartered in Vilnius, Lithuania, that connects retail investors with real estate developers and small-to-medium businesses seeking property-backed loan financing. Operating under a European Crowdfunding Service Provider (ESCP) license issued by the Bank of Lithuania, the platform enables investors to participate in first-rank mortgage-secured real estate and business loans with advertised returns of 8.5% to 13% annually, minimum investments from EUR 100, and access to a secondary market for liquidity. As of mid-2026, the platform has facilitated EUR 50.9 million in cumulative funding across 551 projects with 11,099 registered investors and EUR 3.33 million in cumulative investor profits, reporting an average return of 10.60%.
The platform is delivered as a self-serve web application and native mobile apps on iOS and Android (launched in early 2025), supporting end-to-end investor onboarding including identity verification, automated interest distributions, and a tiered loyalty program (Silver, Gold, Platinum). Crowdpear became the first crowdfunding platform in Lithuania to receive ISO/IEC 27001:2022 certification in December 2025, implementing an Information Security Management System aligned with DORA and GDPR. The technology stack centers on standard digital KYC, loan origination listing, automated repayments, and a peer-to-peer secondary market that charges sellers a 2% fee; no proprietary AI/ML capabilities are disclosed.
The business model is transaction-based: project owners (real estate developers and SMEs) pay origination/listing fees on funded loans, the platform charges a 2% seller fee on secondary market sales, and interest rates are risk-priced with LTV capped at 80%. Revenue is not publicly disclosed, but the 2025 funded loan volume of EUR 21.2 million (up 60% YoY) implies a fee base tied to origination activity and secondary market turnover. Crowdpear operates across Lithuania, Romania, and Portugal with a team of approximately 10 employees, and its shareholders also own PeerBerry, another EU-based alternative investment platform.
Crowdpear firmographics
Firmographics- Name
- Crowdpear
- Legal name
- Crowdpear, UAB
- Website
- https://crowdpear.com
- Company type
- Private
- Founded year
- 2022
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Crowdpear is an EU-regulated, Vilnius-headquartered crowdfunding platform connecting retail investors with property-backed real estate and SME loans under an ESCP license from the Bank of Lithuania, operating across Lithuania, Romania, and Portugal.
- Ownership category
- akta.pro rank
Crowdpear industry classification
Industry- Product category
- Real Estate Crowdfunding Platform
- NAICS
- Other Financial Investment Activities (5239), Portfolio Management and Investment Advice (523940)
- SIC
- Loan Brokers (6163)
- akta.pro primary industry
- Marketplace & Loan Aggregation Platforms (Borrower-Lender Matching) (FSAGAHAL)
- akta.pro secondary industry
- P2P Loan Syndication & Participation Platforms (FSAKAHAL)
Keywords
Where Crowdpear is headquartered
LocationHeadquarters
- HQ city
- Vilnius
- HQ country
- Lithuania
- HQ region
- Europe
Offices1 record
Markets served
Crowdpear business model
Business model- GTM type
- B2C
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Marketing or Sales, Operations, Infrastructure, Others
Revenue model
- Borrowers/Project owners fees: Business borrowers (real estate developers, SMEs) pay fees to list their loan requests on the platform. Fees are documented in the 'Rates applicable to the users of the crowdfunding platform Crowdpear' document. Borrowers also pay administrative fees for early repayment and project cancellation.
- Secondary market transaction fee: The platform charges a 2% fee on the sale amount when investors sell their investments on the secondary market. This fee is automatically deducted at the time of sale.
- Interest withholding tax administration: Crowdpear withholds income tax on behalf of investors at rates of up to 15% on earned interest and bonus payments. For Lithuanian tax residents, income tax is withheld and remitted to the State Tax Inspectorate by the platform, with 15% applied to bonuses.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Real estate and business loan investments with base annual interest rates ranging from approximately 8.5% to 13% |
| Transaction based/ take rate | Pay-as-you-go | Secondary market listing fee for investors selling investments |
| Other | Annual | Withholding tax on investor returns |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels7 records
Crowdpear product offering
Product offeringCore offering
Crowdpear operates an EU-regulated crowdfunding platform that connects retail investors with property-backed real estate and business loans. Investors can browse listed loan projects, invest from EUR 100, and earn annual returns of 8.5%–13% (up to 14% with bonuses), with funds secured by first-rank mortgages. The platform handles onboarding, identity verification, automated interest payments, secondary-market trading, and portfolio tracking via web and mobile apps.
Product overview
Crowdpear is a single unified EU-level regulated crowdfunding platform that connects investors with borrowers for property-backed real estate and business loans. The core platform enables investment in diversified loan projects with up to 14% ROI, while the mobile app (iOS/Android) provides on-the-go access for account management, investing, and portfolio tracking. The platform includes a Secondary Market module for investment liquidity, supported by a Loyalty Program with Silver/Gold/Platinum tiers (offering +0.5% to +1% interest bonuses), a Welcome Bonus (+1% for first 90 days), and an Invite a Friend referral program (€20 per referral). The platform operates under European Crowdfunding Service Provider (ESCP) license regulated by the Bank of Lithuania.
Differentiator
Problem solved
Functional benefit
Products and services
- Crowdpear Investment Platform EU-level regulated crowdfunding platform connecting retail investors with borrowers for property-backed real estate and business loans with annual returns of 8.5%–13% (up to 14% with bonuses). Includes onboarding, identity verification, loan listings, automated interest payments, portfolio tracking, and a secondary market for investment liquidity.
- Crowdpear Mobile App (iOS and Android) Native mobile application enabling investors to create accounts, verify identity, invest in loans, track investments, and manage documents on iOS and Android devices.
- Secondary Market
Quantifiable outcome
- EUR 50.9 million in total loans funded across 551 projects, with 10.60% average return
- +5 more outcomes
Companies that use Crowdpear
Customer profileNamed customers1 record
Segments3 records
Ideal customer profiles2 records
Crowdpear technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature5 records
Crowdpear partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- PeerBerryminorCrowdpear shareholders also own PeerBerry, another alternative investment platform described as one of the most smoothly operating and largest alternative investment platforms in the EU. This represents an ownership relationship rather than a formal commercial partnership.
Scale indicators14 records
Recent moves8 records
Expansion highlights6 records
Crowdpear competitors and assessment
Company assessmentEmerging players
- PeerBerry: Alternative investment marketplace backed by the same shareholder group as Crowdpear; focuses on consumer and SME loan portfolios rather than property-backed loans. Overlapping ownership and shared resources make it the most operationally linked comparable.
- Robocash: Cross-border P2P consumer lending group operating in multiple EU and emerging markets; comparable as a digital lending marketplace serving yield-seeking retail investors, though with consumer rather than property-backed exposure.
- Reinvest24: EU real estate crowdfunding platform offering fractional property investments with rental income and capital appreciation; comparable by asset class but with a different (equity) structure versus Crowdpear's debt model.
Direct peers
- EstateGuru: Europe's largest property-backed P2P lending marketplace, offering short-term real estate development and bridge loans to retail investors with first-rank mortgage collateral — the closest direct competitor to Crowdpear's core product.
- HeavyFinance: EU-regulated (Lithuania-based) crowdfunding platform focused on property-backed and agricultural-business loans to SMEs, operating under a similar Bank-of-Lithuania license model and targeting overlapping retail investors.
- Bulkestate: Baltic-region real estate crowdfunding platform offering property-backed investments to retail investors across the Baltics and broader EU — directly comparable by geography, asset class, and investor target.
Regional players
- Housers: Iberian-market real estate crowdfunding platform serving Spanish and Portuguese investors with property-backed investment opportunities — a natural competitor in Crowdpear's newly opened Portuguese market.
Broad incumbents
- Mintos: Large EU-regulated marketplace lending platform that aggregates loan portfolios from multiple originators across consumer, business, and real estate — a broader incumbent that competes for the same cross-border retail investor pool.
- Bondora: Established EU retail P2P lending platform offering consumer loan portfolios and investment products; competes with Crowdpear for retail capital seeking yield, though not focused on property-backed loans.
- Lendermarket: EU P2P lending marketplace operated by the Aventus Group, offering diversified consumer and business loan investments to retail investors — a broader marketplace that overlaps with Crowdpear in retail investor acquisition.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks7 records
Key highlights7 records
Customer concentration
Crowdpear social profiles
Digital presenceCrowdpear compliance and trust
Trust signalCompliance3 records
Crowdpear financial estimates
Financial estimateRevenue estimate
Valuation estimate
Crowdpear leadership team
Management profileNumber of profiles
Profiles12 records
Crowdpear funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Crowdpear 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 Crowdpear
What does Crowdpear do?
Crowdpear operates an EU-regulated crowdfunding platform that connects retail investors with property-backed real estate and business loans. Investors can browse listed loan projects, invest from EUR 100, and earn annual returns of 8.5%–13% (up to 14% with bonuses), with funds secured by first-rank mortgages. The platform handles onboarding, identity verification, automated interest payments, secondary-market trading, and portfolio tracking via web and mobile apps.
Is Crowdpear a public or private company?
Crowdpear is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Crowdpear founded?
Crowdpear was founded in 2022. It employs 1 to 10 people.
Where is Crowdpear based?
Crowdpear is headquartered in Vilnius, Lithuania, in the Europe region.
How does Crowdpear make money?
Three revenue lines are on record. Borrowers/Project owners fees are the primary driver. The others are secondary market transaction fee and interest withholding tax administration.
Who are Crowdpear's main competitors?
Emerging players on record are PeerBerry, Robocash and Reinvest24. Direct peers are EstateGuru, HeavyFinance and Bulkestate. Housers is listed as a regional player. Broad incumbents are Mintos, Bondora and Lendermarket.
Does Crowdpear have an API?
No public API is recorded for Crowdpear.
What industry is Crowdpear in?
Crowdpear's product category is Real Estate Crowdfunding Platform. Its primary akta.pro industry code is FSAGAHAL, Marketplace & Loan Aggregation Platforms (Borrower-Lender Matching), with a secondary code of FSAKAHAL, P2P Loan Syndication & Participation Platforms. Its NAICS code is 5239 and its SIC code is 6163.