Fintown review 2025

Read this Fintown review, and learn if the platform is for you.

Introduction to our Fintown review

This Fintown 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 Fintown review:

• What is Fintown?
• Is it safe to invest on Fintown?
• What is the return on Fintown?
• What are the fees on Fintown?
• Who can invest on Fintown?
• How to invest on Fintown?
• How to withdraw money from Fintown?
• What are the best Fintown alternatives?
• Conclusion of our Fintown review

What is Fintown?

Fintown is a Czech-based P2P real estate platform launched in 2022 and powered by the Vihorev Group. It offers investors the opportunity to earn returns of up to 15% by participating in property development and rental projects primarily in the Prague region.

Fintown works by allowing investors to invest in properties and development loans backed by the Vihorev Group. One of its unique features is a Rental product with daily interest accrual and the flexibility to withdraw funds monthly. The minimum investment starts at just €1, making it accessible to a wide range of investors.

The platform has around 4,500 investors who have collectively contributed approximately €17 million in funding, spanning both development and rental projects.

Fintown s.r.o. is not regulated, as it is not required in the jurisdiction in which it operates.

Fintown statistics:

Launched:	2022
Investors:	4,500 +
Interest rate:	8 – 15 %
Loan period:	12 – 24 months
Loan type:	Real estate
Loans funded:	€ 17,000,000 +
Min. investment:	€ 1
Max. investment:	Unlimited

Is it safe to invest on Fintown?

Fintown is one of the safest real estate crowdfunding platforms. It has been operating reliably since 2022, with no capital loss reported for investors so far. The average loan-to-value (LTV) on the platform is 78.12%, and there is a healthy skin in the game ratio of 31%, meaning the Vihorev Group invests its own private equity alongside investors in each project offered on Fintown.

While Fintown s.r.o. is not regulated, it is part of the well-established Vihorev Group, a development and investment company with over 10 years of experience in the real estate market and more than 64 million euros in marketable assets. This solid track record suggests that Fintown is also a legit company and not a scam.

What is the return on Fintown?

Fintown’s average annual investment return is 11.75%. This figure generally positions the platform near the mid-range compared to other real estate crowdfunding options, where returns often hover between 9% and 15%. Since higher returns can indicate higher risk, Fintown’s rate suggests a moderately balanced risk profile — neither at the extreme high end nor the conservative low end of the market.

The interest rates on Fintown ranges from 8% to 15%, offering a spread that is appealing to many investors. Thanks to an ample supply of projects, the impact of cash drag appears limited, helping investors keep more of their funds actively earning. Consequently, effective yields remain competitive and relatively close to the advertised range.

Historically, the returns on Fintown have shown considerable stability, translating into a dependable investment option for many investors.

Fintown loyalty program:

The Fintown loyalty program, known as the VIP Club, rewards investors with additional interest based on their total invested amount, offering bonuses that are easy to understand and applicable across all Fintown projects, regardless of their category.

• Get a 0.50% bonus on €10,000+ portfolios.
• Get a 1.00% bonus on €30,000+ portfolios.

Fintown’s VIP Club offers a solid middle-ground option for medium to larger investors seeking stable bonuses across diverse projects, although it does not reach the high-reward levels of Swaper for larger portfolios over €25,000.

What are the fees on Fintown?

Fintown does not charge any fees to investors. Opening an account, making investments, and withdrawing funds are all free. This transparent pricing model makes it easier for investors to predict their returns and costs from the start.

• Deposit fee: No
• Investment fee: No
• Inactivity fee: No
• Selling fee: 0-20%
• Withdrawal fee: No

Does Fintown withhold taxes?

Fintown does not withhold taxes from investors’ earnings, allowing you to manage your tax obligations more directly. This approach differs from certain competitors like Crowdpear, Crowdestate, and Indemo, which withhold a portion of your earnings for tax purposes.

Tax report

Fintown provides a convenient tax report to help simplify filing your earnings with local authorities. You can easily download your income statement from your dashboard on the platform.

Who can invest on Fintown?

To invest on Fintown, you must meet these requirements:

• Be at least 18 years old
• Have a valid Euro-based bank account

If you fulfill these requirements, you can start investing at https://www.fintown.eu/.

How to invest on Fintown?

Before you can start investing on Fintown, you must complete the following steps:

1. Sign up on the Fintown website.
2. Verify your identity.
3. Complete the KYC questionnaire.
4. 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 Fintown 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. Fintown supports only manual investing. Unlike competitors such as Indemo and PROFITUS, it does not offer an option to invest automatically.

How to withdraw money from Fintown?

You can withdraw your uninvested funds from Fintown 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.

Fintown does not charge any fees for withdrawing funds from your account, but your bank may charge fees for receiving international transfers.

To exit Fintown, you must first initiate an early exit on loans you do not wish to hold until maturity. If you hold non-performing loans, the platform must first recover the underlying debt before allowing withdrawals, which can negatively affect your liquidity.

Early exit

Fintown offers an early exit program that allows investors to terminate their real estate loans after a minimum holding period of 6 months. The exit fee ranges from 0% to 20%, depending on the length of the holding period and whether the exit is partial or full. While the early exit option provides flexibility, it is notably more expensive compared to using a secondary market on other platforms.

Holding Period	Exit Amount	Fee
6-12 months	More than 50%	20%
6-12 months	Less than 50%	10%
12-24 months	More than 50%	10%
12-24 months	Less than 50%	0%

Fintown manages the entire early-exit process rather than operating a traditional secondary market. Investors must submit a support request from their account or by email. Each request requires up to 30 days to complete and must meet a minimum payout of €100 per project. Investors can only make a new request every 90 days from the date their last exit was processed.

What are the best Fintown alternatives?

Some of the best alternatives to Fintown are Indemo, Crowdpear and PROFITUS. Each of these real estate crowdfunding platforms stands out with distinctive areas of focus, offering a variety of unique projects that differentiate them from Fintown.

Conclusion of our Fintown review

Fintown is one of the best P2P real estate platforms in Europe for property investments in the Prague region. The platform sets itself apart with an accessible €1 minimum investment, daily interest accrual on its Rental product, and an easy-to-understand loyalty program. Backed by the Vihorev Group’s decade of real estate experience and substantial co-investment, Fintown offers a unique blend of innovation and stability that resonates with both new and seasoned investors.

While Fintown presents appealing returns, monthly withdrawal options, and a straightforward fee structure, it remains unregulated, lacks automatic investing, and charges a potentially high early-exit fee instead of offering a secondary market. These factors may deter those who prefer a fully regulated platform and automated services.

Fintown might be worth it for investors who desire a hands-on approach, enjoy a balanced risk profile, and value the chance to invest in Prague-based projects. It may not be a good choice for those seeking extensive diversification, a regulated environment, or no-fee early exits. If you want a blend of moderate risk, daily interest accrual, and an easy entry point, Fintown stands as a compelling option among European P2P real estate platforms.