Invest in fixed-rate loans that finance European property projects.

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.

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.

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.

Security arrangements differ by campaign. Read the project’s KIIS and legal documents to identify any mortgage, pledge, personal guarantee or other security and its scope. Security can be insufficient and enforcement can take time and incur costs; it does not guarantee that principal or interest will be recovered.

The campaign calculator shows the annual rate applicable to your proposed investment and an estimate of payments under the campaign terms. A headline maximum is not the rate every investor receives. Progressive rates depend on amount, applicable tier and eligible timing, and are fixed in the signed agreement. Applicable fees and withholding affect net payments. Returns and repayment dates are not guaranteed.

Sending a bank transfer before a campaign closes does not guarantee that your investment will be completed or that capacity will be reserved. The funds must be received and available, and you must complete the investment steps while the campaign accepts investments. Contact support with the transfer reference if needed, but do not send the money again while the first transfer is unresolved.

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.

There is no single withholding rate for every Stock.estate investment. Existing campaigns retain their legacy tax policy; treaty-schedule campaigns calculate withholding using the project country, investor tax residence, investor type and applicable schedule. The campaign calculator provides an estimate, while payment records show actual withholding. A future payment can use updated applicable inputs. Tax-residency certificates may require review, but a missing or unapproved certificate does not block investing. Uploading one does not automatically change every investment’s withholding or guarantee a refund.