PROFITUS review 2025
Check out our PROFITUS review, and see if the platform is for you.
PROFITUS
Pros
Cons
PROFITUS review summary:
PROFITUS is with its fast growth an interesting challenger to the existing real estate crowdfunding platforms on the market and has recently become the leader of the crowdfunding market in Lithuania. And even though the return you can get at PROFITUS is slightly lower than on other real estate platforms like EstateGuru, we still like the PROFITUS platform a lot.
It’s 100% free to open an account
Introduction to our PROFITUS review
Learn about what PROFITUS does, how it differs from competitors, and whether it’s safe. Our PROFITUS review reflects only our own experiences and opinions. It’s not intended as investment advice.
Learn about the following in our PROFITUS review:
- What is PROFITUS?
- What is the return on PROFITUS?
- Is it safe to invest on PROFITUS?
- Who can invest on PROFITUS?
- How to invest on PROFITUS?
- How to withdraw money from PROFITUS?
- What are the best PROFITUS alternatives?
- Conclusion of our PROFITUS review
What is PROFITUS?
PROFITUS is a crowdfunding platform from Lithuania that focuses on mortgage-backed real estate investments. It launched in August 2018 and offers advertised returns of up to 12%.
PROFITUS connects investors with real estate developers seeking funding. Investors can start with as little as €100, and their funds are used to provide mortgage-backed loans to property projects in Lithuania, other Baltic countries, and Spain.
There are over 11,000 investors on PROFITUS. To date, the platform has collectively funded real estate loans totaling more than €243 million.
PROFITUS is regulated and supervised by the Central Bank of Lithuania. In November 2023, the platform received the European Crowdfunding Licence (ECSP).
PROFITUS statistics:
| Launched: | 2018 |
| Investors: | 11,000 + |
| Interest rate: | 7 – 14 % |
| Loan period: | 3 – 36 months |
| Loan type: | Real estate |
| Loans funded: | € 243,000,000 + |
| Min. investment: | € 100 |
| Max. investment: | Unlimited |
PROFITUS Trustpilot rating
PROFITUS has received a TrustScore of 4.0/5 based on 303 reviews on Trustpilot. While users commend its user-friendly interface, robust track record of repayment, and the application of extra interest on late payments, some cite delays in withdrawn funds, occasional complications with repayment schedules, and concerns over mortgage invalidations. Overall, the platform’s strong regulatory oversight and generally reliable returns are well-received, but prospective investors should be prepared for possible repayment delays and associated risks.
What is the return on PROFITUS?
PROFITUS’s average annual investment return is 10.13%. This places the platform in a moderate range compared to other real estate crowdfunding platforms, indicating that its returns may be neither the highest nor the lowest in the market. In general, higher returns are often associated with higher risk, but PROFITUS’s balance of competitive returns and relatively moderate interest rates may appeal to more cautious investors.
The interest rates on PROFITUS ranges from 7% to 14%, offering a decent span of potential gains without venturing into extremely high rates. While some investors might worry about idle funds reducing overall yields, cash drag does not appear to be a widespread concern on this platform. Historically, its returns have demonstrated stability, suggesting that investors can often rely on a steady performance rather than experiencing dramatic fluctuations.
Does PROFITUS withhold taxes?
PROFITUS 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 ReInvest24, which do not withhold taxes.
The standard withholding tax rate on PROFITUS is 15% for non-Lithuanian residents.
Tax report
PROFITUS provides a tax report to help you declare your earnings to local authorities. You can easily download your income statement from your investor account under “Transactions”.
Is it safe to invest on PROFITUS?
PROFITUS is considered one of the safest real estate crowdfunding platforms in Europe. It has established a reliable track record, with transparent reporting on loan performance and a default rate of 4.9%. Of the active loan portfolio, 80.26% of loans are current, while the remaining portion is late or in recovery.
With an average Loan-to-Value (LTV) of 65.94%, PROFITUS keeps investment risks in check by minimizing the gap between the loan amount and the collateral’s market value.
PROFITUS is regulated and supervised by the Central Bank of Lithuania, and it holds the European Crowdfunding Licence (ECSP). Its regulated status indicates that PROFITUS is a legitimate company and not a scam.
Credit rating of real estate projects
Before a project is listed on the platform, PROFITUS ensures that it is a safe project. They do this through a risk assessment of the project and the project owner based on information from CREDITINFO. The project will then either be approved or rejected.
If you look at the statistics on the platform’s website, many of the applications are not listed on PROFITUS. This indicates that PROFITUS is very serious about what projects they add to their platform.
The projects that are possible to invest in at PROFITUS have a credit rating from A + being the best to D being the worst.
The credit ratings seem to work, and at the time of writing, only 1 loan has ever been delayed.
Investments secured by collateral
In addition to credit ratings, PROFITUS also requires that all projects are secured by collateral. While real estate is typically a reasonably safe investment, things can take an unexpected turn. Here, the collateral is in place to secure you as an investor.
Protection of your funds
PROFITUS has also got the protection of your funds covered. Since they only act as a mediator, the law requires that the funds remain the property of the investor. So if PROFITUS’s business collapses, your money will not be considered part of PROFITUS’s assets.
Two-factor authentication
PROFITUS 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 PROFITUS?
PROFITUS accepts most investors from all of Europe and most other countries. Both individuals and legal entities can invest via the platform.
To invest at PROFITUS, you must be over 18 years old and be able to prove your identity to comply with the KYC procedures of the company.
Would you like to invest with PROFITUS? Press the button below to register. This is clearly the fastest way to go from reading this PROFITUS review to investing:
How to invest on PROFITUS?
Before you can start investing on PROFITUS, you must complete the following steps:
- Sign up on the PROFITUS 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 PROFITUS 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. PROFITUS allows you to invest manually by browsing available loans or automatically using RoboInvest.
RoboInvest
PROFITUS provides an auto-invest feature called RoboInvest to automatically allocate funds into suitable loan investments based on each investor’s predefined criteria, saving time and simplifying the investment process.
How to withdraw money from PROFITUS?
You can withdraw your uninvested funds from PROFITUS 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.
PROFITUS allows you to withdraw funds from your account without any fees for the first withdrawal each month. After the free withdrawal, there is a fee of €1.88 for each subsequent withdrawal. Your bank might also charge fees for processing international transfers.
To exit PROFITUS, 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.
PROFITUS secondary market
PROFITUS 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%, buyers can use the secondary market without any fees.
The time it takes to sell investments on the PROFITUS 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.
What are the best PROFITUS alternatives?
Some of the best alternatives to PROFITUS are Indemo, Crowdpear and HeavyFinance. These real estate crowdfunding platforms each bring distinct specializations, offering a wide variety of unique projects that set them apart from PROFITUS.
Conclusion of our PROFITUS review
PROFITUS is one of the best real estate crowdfunding platforms for mortgage-backed investments. The platform stands out for its strong regulatory oversight from the Central Bank of Lithuania, reliable credit rating approach on projects, and fast-growing track record.
While PROFITUS provides a user-friendly interface, collateral-backed loans, and a default rate kept in check by diligent credit assessments, it offers slightly fewer projects and lower returns compared to some competitors.
PROFITUS is worth considering for investors who want a regulated environment, transparent risk assessments, and straightforward real estate opportunities starting from €100. It might not be the best choice for those seeking the highest possible yields or a more diverse loan selection across broader markets.
Would you like to invest through the real estate crowdfunding platform after reading our PROFITUS review? Click on the button to get to their website. Here you can easily and safely get started investing in real estate for even smaller amounts of money:
