Crowdpear review 2025
Read this Crowdpear review, and learn if the platform is for you.
Crowdpear
Pros
Cons
Crowdpear review summary:
Crowdpear is a top European crowdfunding platform that offers average annual returns of 10.01% through property-backed real estate and business loans. It is regulated by the Central Bank of Lithuania and holds an ECSP license, complying with EU rules. Its secondary market and user-friendly app add appeal, but it lacks an auto-invest tool and charges a 2% selling fee on the secondary market.
It’s 100% free to open an account
Introduction to our Crowdpear review
This Crowdpear review introduces the platform, highlights its main features, and touches on its safety aspects. Remember, these are just our opinions and not financial advice. Use the navigation below to find what you need.
Learn about the following in our Crowdpear review:
- What is Crowdpear?
- What is the return on Crowdpear?
- Is it safe to invest on Crowdpear?
- Who can invest on Crowdpear?
- How to invest on Crowdpear?
- How to withdraw money from Crowdpear?
- What are the best Crowdpear alternatives?
- Conclusion of our Crowdpear review
What is Crowdpear?
Crowdpear is a Lithuanian-based crowdfunding platform that launched in 2023. It offers investors the opportunity to earn returns of up to 14% by funding property-backed real estate and business loans.
Crowdpear works as a traditional debt-based crowdfunding platform, where borrowers request financing for their projects, and investors collectively lend money in exchange for interest. With a minimum investment of €100 per loan, investors can diversify across multiple projects and potentially earn returns that are credited periodically.
The platform has around 7,600 investors and has funded loans totaling approximately €19,000,000.
UAB Crowdpear is regulated. It is supervised by the Central Bank of Lithuania and holds an ECSP (European Crowdfunding Service Providers) license, aligning it with the EU’s crowdfunding regulations. The platform is owned by the profitable Aventus Group.
Crowdpear statistics:
| Launched: | 2023 |
| Investors: | 7,600 + |
| Interest rate: | 9.5 – 14.5 % |
| Loan period: | 6 – 12 months |
| Loan type: | Real estate |
| Loans funded: | € 19,000,000 + |
| Min. investment: | € 100 |
| Max. investment: | Unlimited |
Crowdpear Trustpilot rating
Crowdpear has received a TrustScore of 3.9/5 based on 24 reviews on Trustpilot. Many investors appreciate the platform’s transparent communication, timely payouts, and reliable backing by the Aventus Group, although some users voice concerns over withheld taxes, sudden changes to referral bonuses, or occasional administrative hiccups. Despite these drawbacks, Crowdpear’s regulated status, consistent returns, and responsive support team have helped maintain an overall positive reputation.
What is the return on Crowdpear?
Crowdpear’s average annual investment return is 10.01%. These returns generally fall within the mid-range for real estate crowdfunding platforms, suggesting a moderate risk level compared to higher-return, higher-risk options.
The interest rates on Crowdpear ranges from 9.5% to 14.5%, positioning it competitively in the market. Historically, returns have been notably stable, reflecting the platform’s focus on secured real estate projects. This stability may suit conservative or risk-conscious investors, though it does cap the potential for significantly higher gains.
Time-limited welcome bonus
Readers of this Crowdpear review are eligible for a 0.5% cashback bonus on all investments for 90 days. To unlock this time-limited offer, new investors must sign up using the button below and invest at least €100. No Crowdpear promo code is required.
How does Crowdpear handle taxes?
Crowdpear is legally required to withhold taxes on interest income from loans on its platform. This can make handling your taxes more complex than on platforms such as PeerBerry, EstateGuru, or Robocash, which do not withhold taxes.
The standard withholding tax rate on Crowdpear is 15% for non-Lithuanian residents.
Tax report
Crowdpear provides a tax report to help you declare your earnings to local authorities. You can easily download your income statement from your dashboard on the Crowdpear platform.
Is it safe to invest on Crowdpear?
Crowdpear is one of the safest real estate crowdfunding platforms in Europe, having operated since 2023 with zero capital losses to date. With an average Loan-to-Value (LTV) of 58.88% and 81.63% of loans currently performing, the platform offers investors moderate risk levels and a strong track record for safeguarding invested capital.
UAB Crowdpear is fully regulated and supervised by the Central Bank of Lithuania. In addition, it holds an ECSP (European Crowdfunding Service Providers) license, ensuring compliance with the EU’s crowdfunding regulations. This regulated status implies that Crowdpear is legitimate and not a scam.
Two-factor authentication
Crowdpear 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 Crowdpear?
To invest on Crowdpear, you must meet the following requirements:
- Be at least 18 years old
- Not be a citizen of a country on the FATF AML list or the EU high-risk list
If you fulfill these requirements, you can start investing at https://crowdpear.com/.
How to invest on Crowdpear?
Before you can start investing on Crowdpear, you must complete the following steps:
- Sign up on the Crowdpear 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 Crowdpear 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 and business loans on the platform. Crowdpear supports only manual investing. Unlike competitors such as Indemo and PROFITUS, it does not offer an option to invest automatically.
Crowdpear app
Crowdpear offers an app designed to help users invest in property-backed loans with ease and confidence. The app allows users to review detailed investment information, make informed decisions, and track their investments all in one convenient place. With a solid 4.0/5 star rating and over 100 downloads, Crowdpear aims to provide a reliable platform for those looking to diversify their investment portfolio by participating in real estate-backed lending opportunities.
How to withdraw money from Crowdpear?
You can withdraw your uninvested funds from Crowdpear at any time using the withdrawal section of your investor account. The minimum withdrawal amount is €1, and you can withdraw a maximum of €15,000 per transaction. It usually takes 1-2 business days for your funds to arrive in your bank account.
Crowdpear does not charge any fees for withdrawing funds from your account, but your bank may charge fees for receiving international transfers.
To exit Crowdpear, 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.
Crowdpear secondary market
Crowdpear offers a secondary market for all its investments, enabling investors to sell their real estate and business loans at any point before maturity. While sellers are charged a transaction fee of 2%, buyers can use the secondary market without any fees.
The time it takes to sell a loan depends on the price set by the seller and prevailing market conditions. Sellers can list loans at face value, add a premium of up to 20%, or offer a discount of up to 50% to attract buyers. Each listing remains active for up to 14 days before sellers need to relist.
What are the best Crowdpear alternatives?
Some of the best alternatives to Crowdpear are PROFITUS, Indemo and Fintown. Each of these real estate crowdfunding platforms stands out with distinctive areas of focus, offering a variety of unique projects that differentiate them from Crowdpear.
Conclusion of our Crowdpear review
Crowdpear is one of the best crowdfunding platforms in Europe for property-backed real estate and business loans. The platform sets itself apart from competitors by being fully regulated under the Central Bank of Lithuania, holding an ECSP license, and maintaining moderate risk levels with an average Loan-to-Value (LTV) of 58.88%.
While Crowdpear offers a strong average return of 10.01%, a user-friendly app, and a well-regulated environment, it lacks an auto-invest tool and charges a 2% selling fee on the secondary market.
Crowdpear is worth considering for investors seeking moderate-risk property-backed investments with the reassurance of regulation. It might not be a good investment for those who prefer platforms with auto-invest or want to avoid selling fees on secondary markets.
