Bulkestate review 2025

Check out our Bulkestate review, and see if the platform is for you.

Introduction to our Bulkestate review

Bulkestate is a popular real estate crowdfunding platform with thousands of investors. But how safe is it really? Our Bulkestate review offers our personal take on its security. Remember, this isn’t investment advice — just our opinion.

Learn about the following in our Bulkestate review:

• What is Bulkestate?
• What is the return on Bulkestate?
• Is it safe to invest on Bulkestate?
• Who can invest on Bulkestate?
• What are the key features of Bulkestate?
• What are the problems with Bulkestate?
• What are the best Bulkestate alternatives?
• Conclusion of our Bulkestate review

What is Bulkestate?

Bulkestate is a real estate crowdfunding and group-buying platform based in Estonia. It launched in late 2016 and advertises annual returns of up to 14%.

Bulkestate works by pooling investors’ funds to finance real estate development projects, generally offering mortgage-backed loans. It also enables group-buying deals, where investors collectively purchase properties to secure better prices.

The platform has more than 14,000 registered investors who have funded over 14 million euros’ worth of real estate deals.

Bulkestate OÜ is not regulated, as it is not required in the jurisdiction in which it operates.

Bulkestate statistics:

Launched:	2016
Investors:	14,000 +
Interest rate:	10 – 18 %
Loan period:	12 – 24 months
Loan type:	Real estate
Loans funded:	€ 14,000,000 +
Min. investment:	€ 50
Max. investment:	Unlimited

What is the return on Bulkestate?

Bulkestate’s average annual investment return is 14.10%. This figure places the platform toward the higher end of real estate crowdfunding returns, where many competitors average between 10% and 12%. Higher returns often imply a higher risk, reflecting the broader market principle that elevated yields can come with increased uncertainty.

The interest rates on Bulkestate ranges from 10% to 18%, and while this wide range can be appealing, it also indicates varying levels of project risk. Although the platform can offer substantial returns, the stability of those returns ultimately depends on the performance and timeliness of each underlying project.

Is it safe to invest on Bulkestate?

Bulkestate is not considered a safe European real estate crowdfunding platform. The platform lacks transparency about loan performance, which makes it harder for investors to assess the reliability of individual projects.

Although the Bulkestate’s average Loan-to-Value (LTV) ratio is 53%, indicating moderate leverage per project, it does not necessarily eliminate risk. Many Trustpilot reviewers have reported prolonged repayment delays and limited communication, with a few even calling the platform a scam.

Bulkestate OÜ is not regulated, as the jurisdiction in which it operates does not require direct oversight for such crowdfunding services. Due to its unregulated status, potential investors should carefully review the platform’s legitimacy and consider whether their personal risk tolerance aligns with Bulkestate’s current track record.

Two-factor authentication

Bulkestate offers two-factor authentication (2FA) to strengthen account security. This feature generates unique, time-based passcodes to protect investor funds from unauthorized access. Since hackers have targeted P2P lending platforms in the past, enabling 2FA is strongly recommended.

Who can invest on Bulkestate?

Bulkestate is not currently accepting new investors — likely due to the platform’s ongoing operational and financial challenges, such as delayed payments and limited communication with existing investors.

If you are considering real estate crowdfunding, it may be wise to seek alternative European real estate crowdfunding platforms that demonstrate stronger track records of transparency, timely payouts, and customer support. Always research a platform’s reputation and consult a professional if you have specific concerns about the risks involved.

What are the key features of Bulkestate?

In the following part of this Bulkestate review, you can learn more about the features you can find on the platform:

Bulkestate auto-invest

Since April 2018, it has been possible to use auto-invest on Bulkestate’s platform. The feature makes it easy for you to invest passively in various real estate projects. So if you want a minimal-effort approach to your investments, you should definitely get started with the Bulkestate auto-invest feature.

Setting up auto-invest is really easy. Just go to your profile. From here, you can easily configure the Bulkestate auto-invest feature to invest according to your criteria:

Bulkestate Group Buying

With the Bulkestate Group Buying feature, you can invest directly in properties in buildings, as you can see below:

This feature makes it possible for you to get great deals on apartments as you go together with other investors to buy a whole building at once.

To participate in Group Buying, you simply reserve an apartment. When all apartments are reserved, the building is bought and you get an apartment for the bulk price.

What are the problems with Bulkestate?

No secondary market

Bulkestate does not have a secondary market, meaning investors must retain loans until they mature. While this might not be an issue for short-term loans, it can pose a substantial liquidity risk for investors with long-term loans.

The lack of a Bulkestate secondary market is a major drawback compared to other platforms like PROFITUS and Crowdpear, which offer secondary markets for enhanced liquidity.

What are the best Bulkestate alternatives?

Some of the best alternatives to Bulkestate are Indemo, Fintown and PROFITUS. These European real estate crowdfunding platforms each specialize in distinct areas, offering a broad range of projects that set them apart from Bulkestate.

Conclusion of our Bulkestate review

Bulkestate is a real estate crowdfunding platform that appears to have significant challenges. While the company claims to implement procedures that focus on safety and transparency, the platform experiences issues such as delayed repayments, lack of communication, and difficulties withdrawing funds. Some investors on Trustpilot have reported delayed projects lasting multiple years without clear updates or responses.

As a result, potential investors may wish to explore other European real estate crowdfunding platforms that could offer greater reliability and transparency.