Crowdestor Review

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start to invest with crowdestor

Crowdestor Review

Investors Investments Founded Country
crowdestor investors+1’000 crowdestor investments850 k EUR crowdestor founded2018 latvia flagLatvia
Crowdestor is a crowdlending platform focusing on financing businesses. You can invest in projects such as restaurants, transportation, startups, real estate and cryptocurrency projects. Concerning the investment location, ~50% of opportunities are based in Latvia and the other 50% are worldwide (UK, Russia, Malaysia, Cambodia,  Thailand, Spain, ….). Mostly projects return you monthly interests. You will receive back your invested amount (principal amount) at the end of the investment term which is often of 6-9 months.

Advice

Crowdestor has between the highest returns (12-36%) of the European crowdlending market with an average of 18%. You should diversify your investments with this platform if you want to add slightly riskier/high return crowdlending investments to your portfolio. Crowdestor has a shorter track record than other platforms (younger date of foundation, smaller number of investors) but they are now improving and promoting the safety of their investments. To do that, the platform is creating a BuyBack fund to protect investors in the case that the borrowers won’t pay back your invested amount. They have the goal to reach the amount of 100’000 EUR by end of 2019. This will then allow them to offer a BuyBack option.

Pros & Cons

Pros Cons
+ Highest-interest rates of the market (~18%)
+ Diversified types of investments (e.g. restaurant, shop, crypto, transportation)
+ Monthly interest payment (mostly)
+ Super detailed investment information
+ Short-medium term of investments (from 3 months)
+ Creation of a BuyBack fund in progress (to ensure investors)
– No BuyBack guarantee on loans
– Invested amount (principle) returned at investment term
– Small amount of investments (~1x/week)
– No cash-back investments (1%)
– No Auto-invest available
– Smaller-sized platform (lower track record)
– No secondary market for early withdrawal

Investment details

Investment currencies EUR
Return on investment (ROI) 18%
Minimum investment 50 EUR
Investment period 3 – 18 months
Default rate 0%
Investment fees 0%
BuyBack guarantee No
Auto-invest No
Secondary market No
Trustpilot Score (Safety)  

Investment types

real estate loansReal-estate loans business loansBusiness loans (e.g. cryptocurrency, shop, restaurant)

Investment example

crowdestor luxury yatch rentalcrowdestor restaurant investment

Investment result forecast

Below you will find the resulting forecast when investing using Crowdestor compared to investing the same amount in the US stock market (US stock market: 6% average yearly growth in the last 30 years).

By investing €1’000 using Crowdestor for 15 years you might end up with €11’974 (€9’577 more than with the stock market).

Welcome bonus – affiliate/referral link

You can register to Crowdestor by clicking the button below. It will be highly appreciated. Thanks!

start to invest in crowdestor

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How works Crowdestor

Step 1: Deposit money

Transfer money from your bank account to your Crowdestor account. You will have to indicate your Crowdestor account ID in your transfer comment (the comment system is supported by all banks.). You must send your deposit from a EURO account. It usually takes 1-2 business days to receive your money. It is advised to first send a small deposit (e.g. €10) to make sure your transfer information is correct, and then to execute the “real” deposit.

Once you click on the “Add” button to deposit funds, you will then enter the amount you want to deposit, and a popup will open showing you the bank transfer information. You will also receive an email with the details.

deposit money crowdestor

Step 2: Choose the project to invest

Crowdestor displays investment opportunities on its “INVEST” page. Investments are listing chronologically buy the start date. There are no filters on investments since there are not so many. Here is how an investment in previewed on the page:

crowdestor building renovation

You can then click on “Invest in project” to view a LOT of additional information about it as following:

Investment KPIs

crowdestor investment kpis

Project summary

crowdestor investment pictures

crowdestor investment summary

Details of the loan

crowdestor investment loan

Calculations and business plan

crowdestor investment project

crowdestor investment calculation

Step 3: Select the investment amount

Once you reviewed your project, decide how much you want to invest.  You need to select at minimum €50. You can invest how much you want at the maximum of the loan still available.

crowdestor validate investment

Step 4: Invest

Once you have confirmed your investments, you can view the list of all your investments with the main information such as the amount invested, the date and the payment schedule.

crowdestor investments list

Step 5: Earn interests

You will receive monthly incomes from your investments. So you can expect to start receiving interests after 30 days after your first investment.

crowdestor payments schedule

Step 6: Track investment

You can easily follow the results and numbers of your investment activities thanks to the dashboard. It provides simple but useful information such as the money you earned (“Profit”), the money you invested (“Total Invested”), the return “Average Interest Rate” and the available money to invest (“Amount Available”).

crowdestor dashboard

Welcome bonus – affiliate/referral link

You can register to Crowdestor by clicking the button below. It will be highly appreciated. Thanks!

start to invest in crowdestor

Useful links