Investor security
stock.estate is a regulated real estate crowdlending platform. We do not promise risk-free returns, but we do structure loans with documented guarantees. For projects listed since the second half of 2025, the standard structure is a registered real estate mortgage in favor of investors.
Standard security package
150%
For projects listed since the second half of 2025, the standard collateral package is a registered mortgage in favor of investors, commonly targeted at 150% of the loan amount.
Types of guarantees
Each opportunity shows its security structure in the campaign documents. The label on the project page tells you which structure applies, before you invest.
Real estate mortgage
The loan is covered by a mortgage on a property (the property is sold in case of default)
Letter of guarantee
The loan is covered by a third party (bank)
Shares pledge
The loan is covered by shares in the developer's company
Suretyship
The loan is covered by the developer as individual (personally liable)
Corporate guarantee
The loan is covered by another company owned by the developer
Direct liability
The loan is covered by the developer as a legal entity (company)
Mortgage-first
For projects listed since the second half of 2025, stock.estate uses a mortgage-first security model: a real estate mortgage registered in favor of investors, administered through a dedicated collateral agent within the stock.estate group.
The mortgage is registered in favor of investors and should be visible in the campaign documentation.
The target collateral value is commonly 150% of the loan amount, creating a buffer to cover enforcement costs.
Secured campaigns should be marked with a green Mortgage label on the project page so you can compare structures quickly.
Collateral agent, not platform custody
When a project is secured, a collateral agent administers the guarantee package on behalf of investors. If payments slip, that entity can initiate the contractual recovery path, including mortgage enforcement where applicable.
Before we list
Guarantees reduce risk; they do not remove it. We analyze the project, the borrowing company, the business plan, and the proposed collateral before opening a campaign.
Borrower and project review
We assess the developer, the financing need, the repayment logic, and whether the proposed security package is credible for the ticket size.
Documented security package
Mortgages, bank letters of guarantee, share pledges, suretyships, and corporate guarantees are described in the campaign documents - not only in marketing copy.
BCR payment flow before disbursement
Before disbursement to the developer, investor money moves through the designated BCR payment infrastructure and is kept separate from stock.estate operating funds.
Direct contractual rights
Your claim is governed by the loan contract signed with the developer and stock.estate Group in its platform and guarantee-agent role. The binding terms are in the campaign documents, not in this educational summary.
Before investing
Use this page as a guide, then check the documents for the specific campaign. The campaign page and loan documents define the binding terms for each investment.
01
Security label
Look for the campaign security label, such as the green Mortgage label on secured projects.
02
KIIS or fact sheet
Read the Key Investment Information Sheet or fact sheet for the borrower, project, risks, and main terms.
03
Loan agreement
Check the repayment schedule, interest terms, late-payment mechanics, and investor rights.
04
Guarantee documents
Review mortgage, pledge, suretyship, bank guarantee, or corporate guarantee documents when they apply.
05
Repayment schedule
Confirm whether interest is monthly, whether principal is bullet or amortized, and when payments are due.
If things go wrong
Protection means there is a defined path - not that every loan repays on schedule. Delays can happen; enforcement can take time and may be contested.
Payment monitoring
Repayments follow the schedule in the loan agreement. If a due date is missed, the contractual late-payment rules apply.
Late interest and contractual penalties
After the grace period defined in the contract, penal interest and other contractual charges can apply. Investors do not need to send separate formalities for standard late-interest mechanics.
Collateral agent recovery
On secured projects, the collateral agent can initiate recovery, including mortgage enforcement and collateral liquidation if necessary.
Enforceable title under Romanian crowdfunding law
The FAQ explains that lending contracts have enforceable-title status under Romanian crowdfunding law. This supports a more direct recovery route, but enforcement can still take time and can be contested.
Want the full repayment and default timeline?
Our crowdlending page walks through monthly interest, principal at maturity, penal interest, and the recovery steps in plain language.
Transparency
We would rather be precise than reassuring. These investments are not bank deposits and collateral does not make loss impossible.
Crowdfunding investments are not covered by deposit-guarantee or investor-compensation schemes.
Recovery can take months or years, especially if collateral must be sold or disputes arise.
Always read the campaign documents for the specific guarantee type, valuation assumptions, and repayment schedule before investing.
Open a live campaign, read the documents, check the collateral label, and compare the FAQ before you commit capital.
STOCKESTATE CROWDFUNDING SRL is licensed under the number PJR28FSFPR/400002, since 29.08.2023. Find us in the register of crowdfunding service providers of the European Securities and Market Authority (ESMA).
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Active opportunitiesAll opportunitiesSecondary marketHow it worksFAQsStatisticsGuarantees & securityCrowdlending modelReport a bugAll 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.