Real estate investing through crowdfunding.

Stock.estate is the crowd-lending platform specialized in identifying, vetting and financing real estate opportunities. Our mission is to democratize real estate investing by making top-tier opportunities accessible to everyone, regardless of their financial background. We are authorized by ASF (Romania) and registered in the ESMA (EU) and CONSOB (Italy) register.

Our platform features meticulously curated, high-return projects, providing a diverse portfolio to minimize risk and maximize potential earnings. We ensure transparency with real-time updates and uphold the highest security standards to protect our investors.

Our strength lies in our high-quality investment verification, commitment to transparency. With Stock.estate, real estate investing is simple, secure, and profitable.

At Stock.estate, we pride ourselves with our meticulous property verification process. Our aim is to provide the finest real estate investment opportunities to our community, and to achieve this, every potential property must pass through an extensive set of criteria and filters. We generate a comprehensive analysis for each property, focusing on several key factors:

1. Liquidity Index: We assess the ease with which a property can be sold, should it become necessary or profitable to do so.
2. Vacancy Index: We evaluate the ease of finding a tenant for the property.
3. Price Growth Expectation: We estimate the potential price growth for a property of its kind in its specific location.
4. Company's Solidity: We examine the financial stability and structure of the company involved in the project.
5. Business Plan: We scrutinize the operation's business plan to determine its feasibility and potential for success.
6. Track Record: We look into the developer's past completed operations to gauge their experience and competence.
7. Market Potential: We assess the property's market potential given current and forecasted real estate trends.
8. Team Expertise: We consider the expertise and cohesion of the team responsible for the project.

The money invested will be returned to each investor's digital wallet, along with a 2% cashback bonus from stock.estate. This bonus is a gesture of gratitude for supporting the campaign and for having their funds tied up in the project during the fundraising period.

Yes, STOCKESTATE CROWDFUNDING S.R.L. is licensed by the Romanian Financial Supervisory Authority (ASF), under the number PJR28FSFPR/400002, since 29.08.2023, as per the register of crowdfunding service providers of the European Securities and Market Authority (ESMA) and the Register of the Italian Authority CONSOB.

Every real estate operation inherently carries some level of risk, which can vary. No operation can be considered 100% safe.

At Stock.estate, we prioritize the security of the investments of our users. Therefore, we prefer to propose operations that entail reduced risk, even if the prospects of gain might be slightly less. Our team carefully verify each operation, constantly monitoring it throughout its duration.

As a result, the likelihood of losing the entire capital is low, especially considering that we diversify with properties located in attractive areas and only after carefully evaluating the most current market trends. Moreover, most projects are backed by real estate guarantees.

Stock.estate performs an in-depth economic, fiscal, and accounting analysis of the companies that propose a project to our investors. In the documents section of each project, you will find a Key Investment Information Sheet, specifically created to ensure total transparency.

Regarding the operational part, the transfer of funds is carried out through the payment institution Banca Comercială Romana (BCR). The capital is deposited in a digital wallet that is not accessible to the project's proposing company until the fundraising is complete.

Additionally, every real estate developer has the option to provide loan insurance or offer a guarantee to investors. This will be present in the documents section and in the contracts that will be digitally generated by the platform. Usually, guarantees are mortgages, bank guarantee letters or pladges of shares.

There is no one-size-fits-all answer. It all depends on how much you can invest - typically, the more you invest, the higher your earnings will be. In percentage terms, a project in real estate lending crowdfunding can earn you an average annual return between 10% and 20% in Eur.

Don't worry! What's important is that the payment order is made before the campaign closes. Even if your bank transfer takes an additional 24-48 hours to process, your investment will still be valid.

Stock.estate’s financial statements do not appear on general financial aggregation platforms because we are an ASF-authorized entity and report according to IFRS standards, which are not automatically captured by these platforms.

The offers listed on our platform come from partner developers, each with their own financial situation — we always perform comprehensive due diligence before listing.

As an ASF-authorized and continuously supervised entity, Stock.estate operates under strict regulatory oversight, ensuring the company’s reliability and financial transparency. Technically, this is similar to banks: the financial statements of regulated financial institutions are reported according to accounting standards (e.g., IFRS) and may not appear on publicly aggregated websites.

Real estate developers primarily finance their projects through banks, but the bank approval process can take over 4–5 months. For smaller amounts or short-term needs, developers often prefer alternative financing through Stock.estate.

Although the cost of capital is slightly higher, access to liquidity is much faster — sometimes within just a few weeks. In real estate, timing is critical: fast access to capital can mean the difference between seizing an opportunity or missing it.

From a financial perspective, this type of short-term financing functions similarly to bridge funding, allowing developers to act quickly while maintaining project momentum.

Below is an overview of how VAT (Value Added Tax) and withholding tax apply on Stock.estate, depending on your investor type and country of residence.

1. VAT (Value Added Tax) VAT applies to the platform commission, not to the investment amount itself. The applicable rate is 21%, and the rules differ based on investor type and tax status:

2. Withholding Tax (WHT) Withholding tax applies to earnings (interest) from investments, not to the invested amount. Rates depend on the investor’s fiscal residency and legal status.

📘 Useful resources

To see the exact withholding tax rate for each country, check the official PwC table: 👉 https://taxsummaries.pwc.com/romania/corporate/withholding-taxes 📘 Key Notes

• To benefit from a reduced WHT rate, upload your Tax Residency Certificate before interest distribution.
• VAT applies only to platform fees, not to the interest earned.
• You can check all applicable taxes and your net yield using the “Simulate” tool on your dashboard.