Fintown Review 2026: 12% Return with Rental Properties!

What is Fintown?

Fintown is a P2P lending platform based in the Czech Republic where investors can invest in rental properties in Prague, while achieving a promoted return of up to 15%.

Fintown is backed by the Vihorev Group. This is a property development company from the Czech Republic, which has built up a portfolio of rental apartments in the Czech capital since 2014. The property projects offered on Fintown are both developed and cross-financed by the Vihorev Group (31% skin in the game on average).

The founder and driving force behind Vihorev Group is Maxim Vihorev. Originally from Ukraine, the entrepreneur has lived in the Czech Republic for 20+ years and has been active on the Czech real estate market since 2008 – both in the field of property sales, property management and, since 2014, also on the market for residential construction projects.

Fintown’s mission is to make property investments more accessible, transparent and efficient.

Fintown at a Glance

All key facts and figures about Fintown at a glance.

Business Model

Fintown is a Czech crowdfunding platform where investors can invest in real estate loans that are issued by the Vihorev Group parent company. Fintown primarily monetizes itself through an interest margin, meaning the difference between the interest rate received by investors and the interest rate paid by the Vihorev Group. According to the 2024 annual report, the net margin most recently stood at 14%.

Ownership

Fintown was founded by the two business partners Maxim Vihorev and Vladislav Siganevic (extract company register). The shares of the company are divided as follows:

• 65% of the shares belong to Maxim Vihorev via his company “VIHOREV.INVESTMENTS SE”
• 35% of the shares belong to Vladislav Siganevic via his company “Stonehill Capital s.r.o.”

Since there has been no external financing round yet, Fintown is still owner-managed.

Sign Up and Bonus

To invest at Fintown, investors must fulfil two requirements: A minimum age of 18 years and a valid bank account with euro currency. If these requirements are met, registration on the Fintown website can be completed in just a few steps. The following information are required:

• A valid e-mail address
• Bank account details
• A valid mobile phone number

Also legal entities can register at Fintown and invest in rental properties.

Fintown Bonus

Investors who register at Fintown via this link will receive a 2% cashback for their first investment on the P2P platform. The cashback bonus is paid out 3 days after successful financing.

A platform overview with all bonus offers and cashback promotions can be found on the bonus page.

Fintown Forum

The P2P lending industry is a fast-moving environment. Hence, make sure to stay on top of all relevant information by subscribing to my channels on Telegram or WhatsApp. This way, you will always receive the latest information from the P2P industry, including platform news regarding Fintown. 

Investing on Fintown

In this section of my Fintown review, we will look at the specifics when investing on the platform and what investors need to keep in mind when doing so. Among other things, we will look at the different investment products, the costs involved and the expected returns from investing on Fintown.

Loan Offering

On the other hand, Fintown offers investments in rental properties, where interest is credited monthly. Investments in rental properties can in turn be divided into three categories:

Rental: With this product, a minimum term must be met before the capital can be withdrawn (the maximum term can be up to 60 months). The interest is paid out monthly and can either be reinvested or withdrawn.

Flexi: As the name suggests, investors have maximum flexibility with the “Flexi” product. Investors can withdraw the interest and capital in full after just one month. Alternatively, the investment can also continue to run for up to 60 months. Due to significantly higher liquidity, the Flexi product offers only a maximum interest rate of 8%.

Early Rental: Here, investors initially invest in a development loan for a few months, which is then converted into a rental unit with monthly interest payments. This allows investors to secure a future rental yield with monthly interest payments. The minimum term can be between 9 and 36 months.

Important to note: The rental property is not financed in form of a participation (see Development Projects), but in the form of a mezzanine loan (unsecured form of subordinated debt). To ensure that P2P platform and investors are in the same boat, Fintown always retains at least 20% of the equity in the rental property.

Costs and Fees

Investors can register on Fintown free of charge. There are also no costs or hidden fees for investing on the P2P platform. The same applies to deposits and withdrawals on Fintown.

The only costs Fintown investors may incur are if they wish to withdraw their money before the end of the minimum term. The exit fee charged depends on the length of the remaining term.

• Withdrawal within 1-12 months: 30 % of the capital
• Withdrawal within 13-24 months: 20 % of the capital
• Withdrawal within 25-36 months: 10 % of the capital

To apply for an “Early Exit” before the end of the loan term, investors must send an e-mail to the Fintown information address.

Expected Returns

What returns can investors achieve on Fintown? The answer depends on several factors.

The interest rate for development loans is generally between 14% and 15%, while the interest rate for rental properties is between 8% and 12%. Depending on the total amount invested, there may be an additional bonus.

• Total amount invested between EUR 10,000 and EUR 29,999: 0.5% bonus
• Total amount invested bigger than EUR 30,000: 1% bonus

Important: The “VIP bonus” can only be reinvested or withdrawn after a holding period of 12 months.

So far there have been no delays or defaults on Fintown, which is why the advertised return appears to be achievable. Taking into account possible loan defaults, the expected return may be somewhat lower in the future.

Buyback Guarantee

There is no traditional security for the two investment products offered on Fintown. Neither in the form of a traditional mortgage nor via the buyback guarantee often used for consumer loans.

Instead, the Vihorev Group offers a notarised corporate guarantee to secure the investments in the event of default. The conditions of the corporate guarantee can be found in the guarantee declaration.

As Maxim Vihorev is the ultimate beneficial owner of both the P2P platform (Fintown) and the guarantor (Vihorev), the exercise of legal steps can be questioned (conflict of interest).

Auto Invest

At the time of this Fintown review, there has been no Auto Invest on the P2P platform. The loans must therefore be selected manually by the investors.

Fintown Taxes

Generally, interest income generated by loan financing is considered investment income and must thus be reported as such on the tax declaration. Unlike other platforms, Fintown does not withhold any taxes at the moment.

Fintown does currently not issue any tax certificate. Instead, investors must obtain a statement of income from their own account.

Fintown Risks

Investors should look carefully at the potential risk factors when evaluating a P2P platform. What is it that investors need to be aware of when it comes to Fintown? Where are the underlying risks and how are they assessed?

Platform Risk

The Fintown platform, operated by the Czech company “Fintown s.r.o.”, launched its operations in February 2023. In its home market, the platform is not subject to any supervision or oversight by a financial authority. There is neither an investor compensation scheme nor any regulatory requirement for compliance or transparency standards.

As a relatively young and not yet profitable platform, trust in the shareholders is a key risk factor. Behind Fintown stands the Vihorev Group, which has been active in the Czech real estate market since 2014. To date, no payment defaults or capital losses for investors have occurred.

Segregation of Funds and Deposit Protection

Uninvested investor funds at Fintown are held in a dedicated bank account with Česká spořitelna, the largest bank in the Czech Republic and a member of the Erste Group. Funds are therefore kept separate from the platform’s own operating funds. Unlike platforms using an external payment provider, individual IBAN accounts for investors are not provided.

Unlike traditional bank deposits, there is no entitlement to compensation through a deposit guarantee scheme. Investors should therefore be aware that invested capital is subject to a real risk of loss, that returns are not guaranteed and that it may not be possible to recover the full amount invested.

Financial Stability

The financial stability of a P2P platform is a key risk factor. Is Fintown able to operate profitably? And how well is the company positioned financially?

Equity stood at negative EUR 290,000 at the end of 2024, primarily due to growth-related expenses and a one-off annual loss. The P2P platform is currently not yet profitable.

Risk Management

Fintown did not provide any detailed information about the due diligence process of new real-estate projects.

In terms of risk minimisation for investors, Fintown offers three layers of security:

• Conception Serviced Apartments: With loans on Fintown, investors invest in existing and rented residential units. The income generated is intended to cover all operating costs, bank loans and interest paid to Fintown investors.
• Skin in the Game: The borrower (Vihorev Investments SE) participates in the property loans with at least 20% equity.
• Corporate Guarantee: There is a guarantee from the borrower’s parent company that covers the obligations to the investors (see Buyback Guarantee).

Advantages and Disadvantages

In this section, I have listed the most important advantages and disadvantages of Fintown.

Summary Fintown Review

What is the preliminary conclusion of my Fintown review?

Fintown is an exciting P2P lending platform from the Czech Republic where investors can diversify their portfolio with rental properties. Especially for cash flow and income-orientated investors who prefer stable and regular payouts, Fintown could be a good fit with appealing conditions.

On a positive note, the Vihorev Group has a good track record in the Czech Republic and there have been no delays or defaults on the platform to date.

At the same time, further growth of the young platform should be monitored closely. Although the project details are very transparent and detailed, public statistics on the managed investment portfolio and customer assets would be desirable.

If growth continues at this pace, it seems likely that both the interest rate level will decrease in the future and that external third-party providers may also appear as borrowers. Considering these circumstances, the risk-reward profile would have to be reassessed.

Because Fintown offers an attractive overall package in the current market environment, I have been invested with a smaller amount since March 2024.

Fintown Alternatives

Already invested in Fintown? Or looking for similar platforms? Here are three Fintown alternatives from the P2P market.

Crowdpear: A regulated crowdfunding marketplace based in Lithuania. Focus on mortgage-secured real estate loans from the Baltic region. Compared to Fintown, Crowdpear offers a classical first-ranking mortgage as collateral, providing investors with a notably stronger layer of security. More information in my Crowdpear review.

InRento: A regulated crowdfunding marketplace from Lithuania that is specialised in rental properties. Similar to Fintown, InRento targets investors that are looking to diversify their portfolio with real estate-backed loans, with the added benefit of regular monthly interest payments. 

Profitus: A regulated P2P marketplace based in Lithuania. Focus on mortgage-secured business loans. Compared to Fintown, Profitus holds an ECSP licence and has maintained a notably strong loan portfolio performance with no capital losses for investors to date. More information in my Profitus review.

You can find other Fintown alternatives on the P2P Platform Comparison page.

FAQ Fintown Review

Denny Neidhardt

denny@rethink-p2p.de | Webseite

I’m Denny Neidhardt, the founder of re:think P2P. On this blog, I help retail investors make smarter, well-informed investment decisions in the world of P2P lending. Since 2019, I’ve been publishing in-depth analyses, platform reviews, and risk assessments to bring more transparency to this investment space. My goal is to challenge marketing claims, question developments, and empower investors with honest, independent insights.

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