Find clear answers about Crowdlending on stock.estate, including platform rules, investing flows, fees, and risks.
Your potential income is the interest payable under your loan agreement. The signed repayment schedule sets out when interest and principal are due: payments may be monthly, biannual or at maturity, and some loans repay principal gradually.
Amounts received in your account reflect applicable fees and withholding. Payments may be delayed, and the borrower may fail to repay some or all of the loan.
You can browse published campaigns without registering. To invest, create an account and complete the required identity, profile and investor assessments.
Review the campaign’s Key Investment Information Sheet (KIIS), loan agreement, repayment schedule and risks. Select an amount within the campaign’s limits, make sure the required funds are available, and complete the signing and investment steps while the campaign accepts investments. You are lending to the project developer; repayment and interest are not guaranteed.
Prospective non-sophisticated investors have a reflection period of four calendar days from their investment offer or expression of interest, during which they may revoke it without giving a reason or incurring a penalty. Follow the cancellation instructions for your investment and seek assistance promptly if needed.
If the campaign is not funded, the return of committed funds follows its terms and cancellation process. Choose investments that fit your risk tolerance, investment horizon and ability to absorb losses.
The minimum investment is shown for each campaign and can vary between projects. The amount you can invest also depends on the capacity still available; a final remaining allocation may be smaller than the usual campaign minimum.
Check the calculator before confirming your amount. A campaign limit is separate from what is suitable for you: crowdfunding carries a risk of total loss, and you are advised not to invest more than 10% of your net worth in crowdfunding projects.
Open the funding section of your account and choose an available payment method. Follow the instructions shown there, including the currency, account details, reference and any fees. Available methods can depend on the provider and your account.
Once the required funds are available, complete the investment steps for your chosen campaign. Funding your account does not by itself create an investment or reserve a place in a campaign. Do not transfer money directly to a developer using details outside the platform’s instructions.
Your account distinguishes available cash from money committed to investments. Use the funding instructions and applicable payment terms to identify the account or provider used for your transfer.
Once funds are disbursed to a project developer, your investment is a loan receivable against that borrower, subject to the agreement and repayment risk. It is not a bank deposit. If a campaign is not funded, the return of committed funds follows the campaign’s terms and cancellation process.
Each campaign displays its own fundraising deadline and funding conditions. Review those conditions to distinguish any minimum funding requirement from the maximum amount the campaign can accept.
If a campaign does not proceed, the return of committed funds follows its terms and cancellation process. Check the campaign notice and your account transactions for the resulting status; sending funds before the deadline does not guarantee an allocation.
After your investment is completed, the signed loan agreement and repayment schedule define the project developer’s obligations to pay interest and repay principal.
The timing and repayment pattern depend on the campaign. Check your investment records and payment status in your account. Scheduled amounts are obligations of the borrower, not guaranteed payments; delays or default can affect what you receive.
If a campaign is not funded, the return of committed funds follows the campaign terms and cancellation process. Check the campaign notice and your account transactions for the amount and status. Any additional compensation or promotional reward applies only where the campaign or offer terms expressly provide for it. Contact support if a returned amount is missing or unclear.
Prospective non-sophisticated investors have a reflection period of four calendar days from their investment offer or expression of interest. During that period, they can revoke it without giving a reason or incurring a penalty.
Follow the cancellation instructions for your investment. If you need assistance, contact team@stock.estate promptly and identify the investment concerned.
After the applicable reflection period, an investment is not withdrawable on demand. Any early exit or transfer depends on the agreement and available arrangements; it may not be possible.
Your expected return depends on the campaign and your investment terms. On a Progressive Interest campaign, the calculator selects your annual contract rate using the investment amount, applicable investor tier and eligible early-bird offer within the campaign maximum. The rate is fixed when you sign; later tier changes do not increase an existing loan’s signed rate. Existing fixed campaigns retain their own rate and fee terms. Withholding, applicable fees and payment delays affect the money you receive, and returns are not guaranteed.
You receive interest under the loan agreement, rather than a direct entitlement to property rent or appreciation. Interest accrues from the day after fundraising ends using a 360-day basis. The campaign repayment schedule determines whether interest and principal are paid monthly, biannually or at maturity; some loans repay principal gradually and calculate interest on the outstanding principal. Check your signed schedule for dates and amounts. Payments can be delayed.
On a Progressive Interest campaign, your investment amount determines the rate band that applies to the whole investment. It is not a different rate for each slice of the amount, and the rate does not automatically rise over time.
The calculator combines the campaign’s starting annual rate, your amount band, your eligible investor tier and any applicable early-bird rate boost, without exceeding the campaign’s maximum. Amount thresholds and early-bird conditions vary by campaign. An early-bird boost is part of the annual interest rate, not a separate cashback payment.
Check the rate shown for your amount before signing. Your annual contract rate is fixed when you sign. Progressive Interest campaigns have no investor platform fee deducted from that rate; applicable withholding is separate. Existing fixed-rate campaigns keep their own terms. Interest and repayment are not guaranteed.
Your investor tier is based on your active principal across stock.estate, rather than the size of one new investment:
These benefits apply to new Progressive Interest investments. They raise the starting point of your rate range, while the campaign maximum stays the same. The amount-based steps adjust within that range: do not add the tier benefit on top of every standard rate. A benefit is capped if the campaign has less room below its maximum.
Illustrative example: a campaign with a standard annual range of 10%–16% has a Bronze range of 13%–16%, Silver of 14%–16% and Gold of 15%–16%. These are example ranges, not an offer or guaranteed return. Your actual rate depends on the campaign and amount. The tiers are separate from sophisticated or non-sophisticated investor classification.
Active principal is the remaining principal in successful investments you currently own, after principal repayments. It includes principal invested from bonuses and qualifying holdings in both fixed-rate and Progressive Interest campaigns.
Uninvested wallet cash, unused bonuses, interest earned and pending or abandoned investments do not count. Your tier is based on current active principal, not everything you have ever invested.
The investment you are about to sign does not count towards its own tier benefit. Once it is completed successfully, it can unlock a higher tier for subsequent investments. Open the investor-tier details in your account to see your active principal, current tier and the amount needed for the next tier.
Yes. New successful investments can raise your tier. Principal repayments and changes in the investments you own can lower it if your active principal falls below a threshold. Keeping repaid money in your wallet does not make it active principal.
A tier change affects the pricing available for subsequent Progressive Interest investments. It does not raise or reduce the annual rate in an agreement you have already signed.
If your account shows a possible future downgrade, it is a projection based on scheduled repayments, not confirmation that a repayment or tier change has happened. Check your current tier and the rate displayed before signing a new investment. Do not invest solely to retain a tier; consider the campaign’s risks and your ability to bear losses.
All investments involve risks, including loss of invested capital, lack of liquidity, and non-reimbursement on loans, partially or integrally. It is an appropriate investment only for investors able to assess and bear the risks presented above. Before investing, please read the risks of investments warning, and also all the clauses of the loan agreement, which will be provided to you for the campaign in question. Stock.estate Platform is not responsible for the information provided by the project developers, even if it is provided by or through Stock.estate. Stock.estate does not provide you any other advisory services. The decision to invest is entirely yours. We recommend that you consult specialized advisers if you need support in evaluating your investment decision. The messages and documentation you receive from Stock.estate or project developers have not been verified or approved by Romanian or European authorities.
