Logotype of CIVISLEND

CIVISLEND

CIVISLEND is the first real estate crowdlending platform in Spain. Invest your funds in real estate projects through our platform and earn up to 12% annually.

  • LicensedLicensed
  • EquityEquity
  • LendingLending
Average yearly return  
0%
Total funded  
USD 1.76m
Total projects  
6

CIVISLEND REVIEW

Civislend Overview

Civislend is a crowdfunding platform for real estate developers based in Madrid, Spain. Civislend positions itself as a Co-Financing Platform (PFP), which professionally connects with individuals or companies to obtain loans from investors without having to resort to the services of a bank or other financial institution. Also, we need to mention that Civislend's co-financing platform activity is regulated by Law 5/2015 on the promotion of business financing of April 16, 2015. At the same time, it is authorized by the National Commission for the Securities Market (CNMV) with the approval of the Bank of Spain and registered in the official register of co-financing platforms under number 21.

Detailed Information

The interest rates are not so high according to the market of real estate crowdfunding investments. In fact, their estimated annual returns start from 6% to 10% and depend on the project’s conditions. At the same time, Civislend emphasizes the careful selection of investment assets and an exhaustive risk analysis process that allows them to classify each of their projects on an 'A' scale - low risk - to 'C' - moderate risk. For this purpose, they have an experienced professional team that, among other factors, evaluates the experience of the project organizer, the typology of the building, the credit history of the borrower or the area in which he is located. In this case, read more carefully the projects with good conditions and acceptable rating, because Civislend team provides all the necessary information for this. 

Advantages and Disadvantages

+Advantages

  • Regulated Real Estate Investment depot
  • Great explanation of different types of projects (In study; In Progress; Funded; Available for financing)
  • All the transactions are regulated and executed by LemonWay

-Disadvantages

  • Low-Interest rates
  • The web page presented just in the Spanish language
  • No buyback guarantees
  • No secondary market
  • No auto-invest option

Civislend how it works and who can invest?

Civislend is open for any person who is 18 years or older and has an NIE – Foreigner Identification Number. At the same time, you will need to present some additional information in order to go through the KYC process.

How do you start investing? (opening an account)

The first step as always is open an investment account on the platform. The process is pretty simple. To open an account, you need to present your email address, phone number, physical address and identification documents (ID card, Passport) and agree with the terms and conditions of the following platform. After that, you need to confirm your email and your account will be ready for making transfers.

Making the first investment

After confirming your account, you immediately have access to all the projects that are open for funding. But before making investments, you need to put money on your account. You can make it through Lemon Way, Civislend uses their services as a payment institution registered with the Bank of Spain. Note that the minimum amount of investment in the Marketplace project is set at 250 euros. The maximum amount is determined by the type of investor (from 3000 euros to 10000 euros per year). Moreover, at the stage of project financing, you may change the amount of investment upwards, but not cancel or reduce the allocated amount. Once the project financing objective has been achieved, the initial capital allocated by the investor cannot be repaid before the end of the project. And don’t forget that you need to manage everything manually, because Civislend does not provide the auto-invest feature.

Should you invest?

Civislend looks like a very secure real estate investment platform for the Spanish market. If you want to diversify your portfolio with Spanish investments, it’s a great place to do that. But before making your investment, we always recommend our visitors to visit our platform rating page, and probably you will find some alternative platform that will satisfy your investment needs. Also, don't forget to leave your Civislend comments experience.

Please share your thoughts! (Leave a Comment)

Are you considering CIVISLEND but still have unanswered questions? Or maybe you are a seasoned CIVISLEND investor, and you have a clear picture of the platform? Go ahead and post your questions or opinions below!

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GENERAL INFORMATION ABOUT CIVISLEND

CROWDFUNDING TYPE

Types offered
EquityEquity
LendingLending
DirectDirect
CryptoCrypto
Real Estate Assets offered
SingleSingle
MultiMulti
RetailRetail
OfficeOffice
HotelHotel
IndustrialIndustrial

ABOUT CIVISLEND

CIVISLEND is the first real estate crowdlending platform in Spain. Invest your funds in real estate projects through our platform and earn up to 12% annually. 

CIVISLEND image

CONTACT INFO

Brochure
Telephone
+34 91 307 64 11
Headquarters
Calle Cuevas del Valle, 28
28023
Madrid
Madrid
Spain
Flag of ES
No map available

 

INVESTMENT RISK WARNING

Investing in property involves risks, including illiquidity - the inability to sell assets quickly or without substancial loss in value -, lack of dividends, loss of investment and disolution, and it should only be done as part of a diversified portfolio. Your capital is at risk.

FINANCIAL INFORMATION ABOUT CIVISLEND

YEARLY STATS 2016 - 2018

NO DATA

REGULATION

Regulated
LicensedLicensed
Regulatory Entity
Comisión Nacional del Mercado de Valores (CNMV)
Regulatory Country
Flag of ES
License Number
21
License Link

HANDLING OF FUNDS

Type of account
Segregated
Custodian entity
Lemonway
KYC
Yes

CURRENCY

Main Currency
EUR (€)
Accepted FIAT Currencies
EUR (€)
Accepted Crypto Currencies
N/A

GENERAL INVESTMENT CONDITIONS

Minimal Investment Ticket
EUR 250
Bonus on amount invested
No
Welcome Promo
No
Buyback guarantee
No
Second Market
No
Acceptance of foreign investors
Yes
Accredited investors
Yes
Non-accredited investros
Yes
Co-invest
YES, UP TO 10%

COMMISSIONS

On investment
BASED ON PROJECT
Management
No
On profits
No

COMPANY DETAILS

Year founded
2016
Company name
CIVISLEND PFP, S.A.
Tax ID
A87625778
Billing Address
Calle Cuevas del Valle, 28
28023
Madrid
Madrid
Spain
Country
Flag of ES

 

INVESTMENT RISK WARNING

Investing in property involves risks, including illiquidity - the inability to sell assets quickly or without substancial loss in value -, lack of dividends, loss of investment and disolution, and it should only be done as part of a diversified portfolio. Your capital is at risk.

CIVISLEND WEB PRESENCE

WEB

TWITTER

Account
Last tweet
Tweets
Publ. frecuency
Followers

PLATFORM'S VIDEOS

Account
Last video
Videos
Publ. frecuency
Subscribers

 

INVESTMENT RISK WARNING

Investing in property involves risks, including illiquidity - the inability to sell assets quickly or without substancial loss in value -, lack of dividends, loss of investment and disolution, and it should only be done as part of a diversified portfolio. Your capital is at risk.

RATING DETAIL OF CIVISLEND

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INVESTMENT RISK WARNING

Investing in property involves risks, including illiquidity - the inability to sell assets quickly or without substancial loss in value -, lack of dividends, loss of investment and disolution, and it should only be done as part of a diversified portfolio. Your capital is at risk.

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