Platform review
ECSP-licensed Lithuanian property loans. Profitable in 2024, ISO 27001 certified, but ownership overlaps PeerBerry - one risk cluster, hold one of the two.
Green list
Satellite allocation
Crowdpear is a Lithuanian platform that funds real estate development and rental projects under an ECSP licence from the Bank of Lithuania. The platform launched in 2021, became profitable in 2024, and holds ISO 27001 certification for information security. Advertised returns sit between 10.6% and 14%, and the minimum investment is EUR 100. No auto-invest function is available; you select loans manually.
Grade B reflects three strengths: an ECSP licence enforces conduct rules and disclosure standards, the platform turned profitable within three years, and ISO 27001 certification signals commitment to operational discipline. Two risks knock the grade below A: ownership overlaps with PeerBerry, creating a single risk cluster for investors who hold both, and the track record is short - only five years of operation, with no public stress-test through a deep property downturn.
Crowdpear does not offer a secondary market, so real estate loans lock your capital until the borrower repays. The ECSP licence provides no compensation scheme if the platform fails or if borrowers default. Your capital remains at risk, and you must size positions accordingly.
Crowdpear holds an ECSP licence from the Bank of Lithuania, which enforces conduct rules, disclosure standards, and conflict-of-interest checks. The licence does not provide a compensation scheme if the platform collapses or if borrowers default. ISO 27001 certification covers information security, but it is not a financial protection standard. ECSP is stronger than unregulated status, but weaker than MiFID II with a compensation scheme. We score 65 out of 100 for investor protection, equivalent to the B-grade range.
Crowdpear has not disclosed significant capital losses since its 2021 launch. The platform became profitable in 2024, suggesting operational viability. However, five years is a short track record, and real estate development carries cyclical risk. We have not seen how Crowdpear handles a severe downturn or a cluster of defaults. Track record scores 70 out of 100, reflecting clean performance but limited stress-testing.
Advertised returns range from 10.6% to 14%, in line with Baltic property development platforms. We do not yet have multi-year realised-return data from independent sources. The yield is plausible for development loans with first-lien security, but the lack of a long track record prevents a higher score. Yield reality scores 68 out of 100, reflecting alignment with peer platforms but limited verification.
Crowdpear's ownership overlaps with PeerBerry, creating a single risk cluster. If you hold both platforms, you are not diversifying across independent entities. This concentration risk applies to governance, liquidity, and operational decisions. Ownership structure scores 55 out of 100, reflecting the conflict between two platforms marketed as separate diversification options.
Crowdpear does not offer a secondary market. Real estate development loans typically run 12 to 24 months, and you must wait for the borrower to repay. If you need liquidity before maturity, you have no mechanism to exit. Exit options score 30 out of 100, among the lowest in the graded list.
Register on the Crowdpear website, verify your identity (KYC), and complete the appropriateness test required under ECSP rules. The platform will ask about your investment experience and risk tolerance.
Browse the loan list. Each project displays the borrower, property location, loan term, security type, and interest rate. Read the loan documentation before committing capital.
Select the loans you want and specify the amount. Crowdpear does not offer auto-invest; you must review and click each investment individually.
The borrower repays according to the loan schedule, typically 12 to 24 months for development projects. Interest may be paid monthly or at maturity. You cannot exit early unless the borrower repays early.
| Platform | Grade | Licence | Yield | Track record | Secondary market |
|---|---|---|---|---|---|
| Crowdpear | B | ECSP (LT) | 10.6-14% | 5 years, profitable 2024 | No |
| InRento | A | ECSP (LT) | ~11.8% | 5 years, 0 capital losses | No |
| Profitus | C+ | ECSP (LT) | ~10% | 8 years, negative equity 2024 | Yes |
If you want ECSP-licensed property exposure, InRento holds an A grade for zero capital losses over five years and a focused buy-to-let model. Profitus offers a secondary market but carries a C+ grade due to negative equity in 2024. Crowdpear sits in the middle: profitable, ISO-certified, but linked to PeerBerry ownership and shorter track record than either alternative.
Crowdpear holds an ECSP licence from the Bank of Lithuania. This European Crowdfunding Service Providers regulation enforces conduct rules, disclosure standards and conflict-of-interest checks, but it does not provide a compensation scheme if the platform fails or if borrowers default. Your capital remains at risk.
Crowdpear and PeerBerry share overlapping ownership structures, meaning an investor who holds both platforms is exposed to a single risk cluster. If one entity encounters financial or operational difficulties, the other may face indirect pressure. We recommend treating them as correlated positions and holding only one at a time.
Crowdpear focuses on real estate development loans and rental property financing, primarily in the Baltic region. Projects are manually selected, and investors can review loan documentation before committing capital. The platform does not offer an auto-invest function.
As of early 2026, Crowdpear has not disclosed significant capital losses. The platform is relatively young, having launched in 2021, so the full stress-test of a downturn has not yet occurred. Grade B reflects this limited track record and the need for cautious position sizing.
Crowdpear does not currently offer a secondary market. Real estate development loans often run 12 to 24 months, and you must wait for the borrower to repay. If you need liquidity, this platform does not provide it.
InRento holds an A grade for zero capital losses over five years and a focused buy-to-let model. Profitus carries a C+ grade due to negative equity in 2024. Crowdpear sits at B: profitable, ISO-certified, but linked to PeerBerry ownership. If you want ECSP-licensed property exposure, InRento remains the safer choice.
Crowdpear earns a B grade for combining ECSP licensing, ISO 27001 certification, and 2024 profitability with a short track record and ownership overlap with PeerBerry. If you want Lithuanian property exposure and do not hold PeerBerry, Crowdpear fits as a satellite allocation. Size it accordingly: the platform has not been stress-tested through a severe downturn, and it offers no secondary market for early exit.
Capital is at risk. The ECSP licence enforces conduct rules but provides no compensation scheme if the platform fails or if borrowers default. If you need liquidity or want a longer track record, consider InRento at grade A or Mintos at grade A with MiFID II licensing. If ownership concentration concerns you, hold one of Crowdpear or PeerBerry, not both.
Crowdpear sits at B. If you want the highest grade in the 2026 list, Maclear holds A+ for zero capital losses, full repayment of the single default, and Swiss AML licensing. EUR 30 welcome bonus for new accounts.
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