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Leaderboard

Name

Affiliate dashboard

Totals

Administration fee

Annual interest

Success fee

A single, fixed, transparent cost. No variable spreads, no hidden fees. Here is exactly where every percentage point goes.

20.4% per year, all-in

You don't need to upload anything in this first step, but having the file set ready will move the process faster.

Prepare these first

What helps the review

A credible developer, a mortgageable asset, a believable exit.

Best fit

Your name

Short project note, use of proceeds, or timing details

Send us the basic information about your project. If it fits, we will come back with the next steps.

The team has your details and will come back if the project fits the current screening criteria.

Request sent

Send the essential details

Fast, interest-only loans for developers who need capital now. Fixed 20.4% all-in annual cost. Secured by a level 1 mortgage on any real-estate asset you own - not necessarily the project being funded.

The structure developers use to fund projects on the platform.

Financing snapshot

Funding for your next real-estate project

Finance your next real-estate project with stock.estate. Fixed 20.4% all-in annual cost, interest-only, secured by a level 1 mortgage on any real-estate asset you own.

Real estate financing for developers

Short duration, fixed pricing, mortgage-backed.

Key financing parameters

After the raise is completed and documents are signed, capital is deployed.

Funding and closing

The project is prepared for publication and then listed on the platform.

Campaign preparation

We screen the request, the borrower, and the proposed collateral.

Project review

If the opportunity fits, we align on amount, duration, repayment profile, and security package.

Structuring and terms

Simple flow, digital first, with structuring before publication.

How the process moves

Pick an amount and a duration. See exactly what you pay each month, what lands in your account at funding, and what you owe at maturity.

Run the numbers on your loan

Projects already funded

Close on the land or property you want before permanent financing is in place. Move quickly when the vendor will not wait.

Acquisition financing

Short-term capital between financing stages - useful when approvals, permits or bank refinancing are pending but you cannot afford to wait.

Bridge financing

Construction and staged development costs for your residential or mixed-use projects. Draw capital when your build needs it.

Development financing

Unlock capital for a refurbishment, extension or repositioning of an existing asset you own.

Renovation and expansion

Use the platform when speed matters, or when a bank is not the right fit for your project yet.

Financing types

Want the numbers and the product detail before you refer? Everything is public.

See the borrower page to walk your client through terms, timing, costs, and what we actually do.

Need to understand what you're selling?

Earn a 1% commission of the raised amount on every funded deal you bring in. Paid on outcomes, not intent.

1% commission of the raised amount

No underwriting, no capital at risk, no compliance apparatus. You refer, we execute - end to end.

No lending ops on your side

Your client stays your client. You introduce us, we run the process, and you stay in the loop until close.

Keep the client relationship

When your developer client gets funded through stock.estate, you receive a 1% commission of the raised amount - no separate operation, no balance sheet, no regulatory overhead on your side.

A new revenue line, on top of what you already do

Good fit

Not a fit

Which clients are worth introducing

Tell us a bit about your business and we'll get back within a few business days.

We have your details and will reach out within a few business days to discuss the partnership.

Become a partner

stock.estate gives real estate agencies, financial brokers and mortgage brokers a complete, ready-to-use financing infrastructure for turning developers' capital demand into revenue, without managing lending processes internally.

The shape of a typical partnership.

Partner snapshot

Refer clients to us. Earn 1% of the raise.

Refer real estate developers who need financing and earn a 1% commission of the raised amount on every funded deal. Built for agencies, financial brokers and mortgage brokers.

Partner program for agencies and financial brokers

When the deal closes and gets funded by investors, you receive a 1% commission of the raised amount.

You get paid when it funds

Send us the developer, the project, and the financing need. That is enough to start.

You introduce the case

We check fit within a few business days, engage the developer, and handle underwriting and structuring.

We screen and take it forward

Three steps from intro to paid

The bonus will be added to your wallet after a successful investment.

Invest before the countdown ends to get {bonusAmount} bonus

Cashback bonus

Monthly income during hold period. Guaranteed buyback at a profit.

Capital gain at delivery. Rental income after.

⭐ Interest and principal during the lending period.

Interest during the loan period. Principal at the end.

Payment

Private deals are bespoke opportunities with curated terms for larger tickets. Share your details and our team will contact you with matching opportunities.

Private Deal Access

Full name

A member of our team will reach out with available private opportunities and next steps.

Thank you. We will contact you shortly.

Exclusive Off-Market Opportunity

Collateral

SWOT Analysis

Compare current and funded real estate crowdfunding opportunities on stock.estate, including returns, loan terms, funding progress, and secured project details.

All Opportunities

Madalina Florea

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You select individual developers and deals instead of buying a blind pool product.

Project-level choice

stock.estate has the most competitive net returns compared with all other regulated platforms in Europe.

Top EUR returns at European level

For projects listed since the second half of 2025, the standard structure is a registered mortgage in favor of investors, commonly targeted at 150% of the loan amount.

Collateral on secured campaigns

Practical advantages of real estate crowdlending

Read the crowdlending FAQ for mechanics, review the fees page for current charges, or check platform statistics for historical repayment data.

Ready to go deeper?

If the borrower does not pay within five business days after the due date, contractual late-payment mechanics can start.

Missed due date

Penal interest equals the contractual remunerative interest rate plus two percentage points, calculated from the day after the due date until the account is debited with the overdue amount. Investors receive it without extra formalities.

Penal interest (dobanda penalizatoare)

If available funds are insufficient, payments are applied first to penal interest, then remunerative interest, and finally principal - unless the contract specifies otherwise for secured enforcement scenarios.

Payment priority on partial funds

On secured campaigns, the collateral agent can enforce the mortgage or other guarantees, liquidate collateral if needed, and use debt-collection procedures within the limits set by law and the contract.

Collateral enforcement

The penal interest rule is embedded in the loan contract so late payment has an immediate economic consequence for the borrower. It does not replace principal repayment and does not mean recovery is instant - but it is one of the tools investors have while the situation is being resolved.

Penal interest is contractual, not optional

Contracts define the escalation path. stock.estate monitors repayments and applies the agreed remedies - including penal interest and, on secured projects, collateral enforcement.

What happens if the developer does not pay on time

Before investing, you complete registration plus KYC and AML checks required by financial-sector rules.

Verify your profile

Choose a campaign, review its documents, and invest from the minimum ticket shown on that campaign. You have a four-calendar-day reflection period to revoke without penalty.

Place an investment order

Investor money moves through the BCR payment infrastructure. If the campaign reaches its target and documents are completed, the loan is granted; if not, funds are returned to your wallet.

Funds move through BCR

Interest and principal are paid in EUR according to the repayment schedule. You track credits in your wallet and can reinvest available balances.

Developer repays investors

A simplified view of the investor journey on a typical campaign. The campaign documents define the binding details.

From investment order to repayment

We do not do equity crowdfunding. You do not buy shares in a property or in the platform. Each investment is a loan contract: investors place EUR capital, the developer pays interest through the term, and principal is repaid according to the schedule in the campaign documents.

You lend to the developer. The contract defines repayment.

Capital, interest, repayment

How stock.estate crowdlending works: investors fund real estate developers through loan contracts, receive EUR interest, and what happens with late payments, penal interest, and collateral enforcement.

Real estate crowdlending explained

The economic relationship is credit, not ownership.

What crowdlending means on stock.estate

Many projects pay interest every month while the principal remains outstanding until maturity or another date defined in the contract.

Monthly interest is the common case

Some structures repay principal gradually; others use a bullet repayment at the end of the term. The campaign documents specify which applies.

Principal follows the agreed schedule

stock.estate charges a 0.2% monthly management or administration fee on the investment portfolio. Tax withholding on interest depends on investor type, tax residency, and the applicable rules shown in your reports.

Platform fee and tax handling

Typical structure

Campaign pages show the expected annual return and the repayment mechanics. These are targets, not guarantees - always read the loan documents for the binding terms.

How you get paid

Crowdlending can offer attractive yields, but it is not a savings account.

Risks you should keep in mind

FAQs

This calculator is for investor fees only.

Estimate your investor fees

Fees FAQs

A clear overview of all investor and developer fees on stock.estate. Any fee not listed as charged is 0.

Platform fees

Investor and developer fees grouped by audience.

Detailed fee matrix

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Use this balance on an active opportunity whenever you find the right fit.

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