Crowdestate review 2025
Read this Crowdestate review to learn if the platform is for you.
Crowdestate
Pros
Cons
Crowdestate review summary:
Crowdestate is a very risky real estate crowdlending platform due to high default rates, delayed payments, and investors experiencing difficulties recovering funds. As a result, potential investors may wish to explore other European real estate crowdfunding platforms that could offer greater reliability.
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Introduction to our Crowdestate review
Is Crowdestate safe, and how does it compare to similar platforms? We investigated. If you’re considering investing, read our Crowdestate.eu review to see what we like, where competitors might be stronger, and how we rate its features. You can read it all or skip to specific sections. Keep in mind, this is our opinion and not financial advice.
Learn about the following in our Crowdestate review:
- What is Crowdestate?
- What is the return on Crowdestate?
- Is it safe to invest on Crowdestate?
- Who can invest on Crowdestate?
- What are the key features of Crowdestate?
- How to withdraw money from Crowdestate?
- What are the best Crowdestate alternatives?
- Conclusion of our Crowdestate review
What is Crowdestate?
Crowdestate is an Estonian-based real estate crowdfunding platform launched in 2014. It advertises an average net return of up to 9.58% for its investors.
Crowdestate works by allowing investors to pool their money into real estate-backed projects. Through the platform, you can start investing from as little as €100 and spread your funds across multiple properties to help diversify risk.
The platform has around 68,000 investors and has collectively funded projects worth €135 million.
Crowdestate AS is a regulated European crowdfunding service provider, operating under the supervision of the Estonian Financial Supervision Authority (license number 4.1-1/32).
Crowdestate statistics:
| Launched: | 2014 |
| Investors: | 68,000 + |
| Interest rate: | 3 – 43 % |
| Loan period: | 1 – 48 months |
| Loan type: | Real estate |
| Loans funded: | € 135,000,000 + |
| Min. investment: | € 100 |
| Max. investment: | Unlimited |
Crowdestate Trustpilot rating
Crowdestate has received a TrustScore of 1.4/5 based on 112 reviews on Trustpilot. Some investors praise its historically high returns on completed projects and robust auto-investing tool, but many complain about frequent payment delays, non-performing loans, and inadequate communication. While the platform’s adherence to new crowdfunding regulations may bring improvements, questions remain about its due diligence and overall efficiency.
What is the return on Crowdestate?
Crowdestate’s average annual investment return is 9.44%. While this figure may seem relatively competitive compared to some real estate crowdfunding platforms offering returns above 10%, investors should note that higher returns often imply higher risk. In Crowdestate’s case, overdue projects and defaults have occasionally led to returns falling short of expectations, indicating that the underlying risk may be more elevated than the advertised rates suggest.
The interest rates on Crowdestate ranges from 10% to 12%, placing it within a moderate range for real estate crowdfunding. Although these rates can appear promising, payment delays and defaults have sparked concerns about stability. As a result, investors may experience fluctuations in their actual returns, making it essential to factor in potential delays and project outcomes when assessing risk and performance.
Is it safe to invest on Crowdestate?
Crowdestate is not considered one of the safest real estate crowdfunding platforms in Europe, due to its high default rate of 52%. While the platform is transparent about loan performance, many investors on Trustpilot report payment delays and non-performing loans with limited communication from Crowdestate. Some even label it a scam, raising concerns about its reliability.
Crowdestate AS is a regulated European crowdfunding service provider under the supervision of the Estonian Financial Supervision Authority (license number 4.1-1/32). Its regulated status indicates that Crowdestate is legit, but the high default rate and ongoing user complaints prompt caution and underscore the risks involved.
Two-factor authentication
Crowdestate offers two-factor authentication (2FA) to strengthen account security. This feature works with the Google Authenticator app, generating unique, time-based passcodes that 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 Crowdestate?
It is both possible to invest as a private person and as a company. However, investing as an individual via Crowdestate requires that you are over 18 years old.
Crowdestate is one of the real estate crowdfunding platforms that are most widely available, and people from the vast majority of countries can invest through the platform.
But due to complex and expensive regulations, it is not possible for investors from the US, and some other countries, to invest via Crowdestate.
How to invest on Crowdestate?
Before you can start investing on Crowdestate, you must complete the following steps:
- Sign up on the Crowdestate website.
- Verify your identity.
- Complete the KYC questionnaire.
- Deposit funds into your account.
The entire registration process usually takes about 5-10 minutes, including signing up, verifying your identity, filling out any required questionnaires, and making your first deposit.
You can deposit money into your Crowdestate account using SEPA transfers. The minimum deposit is €0.01, and funds typically arrive within 1-3 business days. It is only possible to deposit funds in Euros (EUR).
Once you have funded your account, you can start investing in real estate loans on the platform. Crowdestate allows you to invest manually by browsing available loans or automatically using an auto-invest strategy.
Crowdestate auto-invest
Crowdestate provides an auto-invest feature to automatically allocate funds into suitable loan investments based on each investor’s predefined criteria, saving time and simplifying the investment process.
The auto-invest tool enables you to configure key parameters, including maximum investment per loan, interest rate, loan term, and loan type. You can also automatically reinvest all returns.
Setting up a Crowdestate auto-invest strategy only takes 1 minute, and your funds should be invested within a few hours. If your auto-invest is not working, it is usually due to a lack of loans that meet your criteria. This can happen when your filters are too narrow or when no suitable loans are available.
How to withdraw money from Crowdestate?
You can withdraw your uninvested funds from Crowdestate at any time using the withdrawal section of your investor account. The minimum withdrawal amount is €0.01, and it usually takes 1-2 business days for your funds to arrive in your bank account.
Crowdestate does not charge any fees for withdrawing funds from your account, but your bank may charge fees for receiving international transfers.
To exit Crowdestate, you must first sell any existing loans on the secondary market. If you hold non-performing loans, the platform must first recover the underlying debt before allowing withdrawals, which can negatively affect your liquidity.
Crowdestate secondary market
Crowdestate offers a secondary market for all its investments, enabling investors to sell their real estate loans before maturity. While sellers are charged a transaction fee of 2% plus VAT, buyers can use the secondary market without any fees.
The time it takes to sell investments on the Crowdestate secondary market varies based on the price set by the seller and current market conditions. Sellers can list loans at their face value or add discounts or premiums to attract buyers. Each listing remains valid for up to 7 days before sellers need to relist.
Although Crowdestate’s secondary market fees are comparable to those of other real estate crowdfunding platforms, Crowdpear and EstateGuru may be the more appealing options for investors who need listings to remain valid for more than 7 days.
What are the best Crowdestate alternatives?
Some of the best alternatives to Crowdestate are Indemo, PROFITUS and EstateGuru. Each of these European real estate crowdfunding platforms focuses on a specific niche, providing diverse investment opportunities that set them apart from Crowdestate.
Conclusion of our Crowdestate review
Crowdestate is a very risky real estate crowdlending platform due to high default rates, delayed payments, and widespread reports of difficulties recovering funds.
While Crowdestate offers an auto-invest feature, a secondary market, and a reported average return of 9.44%, systemic payment delays, high default rates, and negative user feedback diminish its appeal.
Crowdestate might be worth it for investors who can accept considerable risk and want exposure to crowdfunded real estate deals, but it is not a good choice for those who prioritize stable returns and greater investor protection. If you prefer a more reliable environment with fewer default risks, consider using other European real estate crowdfunding platforms.
