Crowdpear Review 2026: Why It Scores 68% Match

The 60-second version

Crowdpear is a Vilnius-based platform offering real estate development loans across the Baltic states. It holds an ECSP licence from the Bank of Lithuania, which brings transaction reporting and conduct rules, and ISO 27001 certification for information security management. The platform advertises returns between 10.6% and 14% on projects that typically run 12 to 24 months. Crowdpear was profitable in 2024, an unusual position for a platform this young.

The ownership structure overlaps significantly with PeerBerry through Aventus Group. This means holding both platforms concentrates a single risk cluster instead of spreading it. Crowdpear scores 68% match and ranks 7th of the 19 platforms we cover. It suits investors who want exposure to Baltic property development and are prepared to select projects manually. Capital at risk, and no compensation scheme covers borrower defaults.

The five criteria

Crowdpear holds an ECSP licence from the Bank of Lithuania, granted under the European Crowdfunding Service Providers Regulation. The licence brings transaction reporting, client money segregation and conduct rules, but no compensation fund. If the platform fails, investors have a claim in insolvency, not a deposit guarantee. No compensation scheme covers borrower defaults. The platform also holds ISO 27001 certification, which governs how it handles data and system security. Crowdpear is registered at Konstitucijos pr. 21A, Vilnius, and files annual accounts with the Lithuanian authorities.

The platform reports zero capital losses since launching in 2021. Real estate development loans carry construction risk, planning delays and market risk at the point of sale, so a clean record over five years is notable but not yet a full credit cycle. Projects are secured against land or property, and loan-to-value ratios typically run between 60% and 75%. Crowdpear became profitable in 2024, which is unusual for a platform at this stage and suggests cost discipline or revenue traction. Investors receive repayments when the developer completes and sells the project, so timing depends on market conditions.

Crowdpear advertises returns between 10.6% and 14% APR on real estate development loans. The platform is young, so the gap between advertised and realised returns across a full credit cycle remains to be tested. Development loans pay interest monthly or at maturity depending on the project structure. Returns depend on the developer completing construction on time and selling or refinancing the property. Delays or market downturns can compress realised returns below the advertised figure, and this risk is inherent in the asset class.

Ownership overlaps significantly with PeerBerry through Aventus Group, which creates a concentration investors need to understand. Holding both platforms does not spread risk across two independent operators; it concentrates exposure to a single network. The platform publishes project details including location, developer, loan-to-value ratio and collateral, but the linked ownership structure is less transparent than the project data. Crowdpear files accounts in Lithuania, and those accounts show the 2024 profit figure. The overlap with PeerBerry is not hidden, but it is not labelled on every page either.

Crowdpear requires manual selection of every investment. There is no auto-invest and no secondary market, so investors commit capital for the full project term, typically 12 to 24 months. Exit depends on the developer repaying at project completion. This suits investors who want control over every decision and can lock capital for 1 to 2 years, but it is slower and less flexible than platforms with auto-invest or secondary trading.

How investing there works

1. Open an account on the Crowdpear site with standard identity verification under Lithuanian AML rules.
2. Transfer funds via bank transfer. The minimum investment per project is EUR 100.
3. Browse live projects on the platform. Each shows the developer, location, loan-to-value ratio, collateral and term.
4. Select a project manually and commit capital. There is no auto-invest, so review every decision.
5. Receive interest monthly or at maturity depending on the project structure. Principal repays when the developer completes and sells or refinances the property.
6. Withdraw funds back to your bank account after repayment. No secondary market exists if you need to exit early.

Who it suits and who should pass

Crowdpear suits investors who want exposure to Baltic real estate development and are prepared to select projects manually. The ECSP licence and ISO 27001 certification provide regulatory oversight and data security standards. The platform's profitability in 2024 and zero capital losses since 2021 are positive signals, though the track record is still short. Investors who value control over every investment and can commit capital for 12 to 24 months without needing liquidity will find the structure straightforward.

Pass if you already hold PeerBerry. The ownership overlap means holding both concentrates a single risk cluster instead of spreading it. Pick one or the other based on asset class preference: PeerBerry offers consumer and leasing loans with auto-invest and a secondary market, while Crowdpear focuses on property development with manual selection. Pass if you need auto-invest, a secondary market, or the ability to exit early. Pass if you want compensation fund protection, because the ECSP framework does not provide one.

How it compares

Crowdpear scores 68% match and ranks 7th of 19. It sits between PeerBerry at 66% and Profitus at 71%. The ownership overlap with PeerBerry is the key structural fact: investors spreading risk should pick one or the other. Profitus offers a similar asset class, real estate, with auto-invest and a longer track record but negative equity in FY24 accounts. InRento scores higher at 80% match with buy-to-let loans and zero capital losses in five years, though the EUR 500 minimum is higher and lock-up periods run 2 to 4 years.

Common questions