New investors receive a €20 Bonus for a €500 investment or €50 for €1,000. The €1,000 can be invested in one or two projects. I have never been invested in InRento with my own funds. The platform meets my evaluation criteria and is therefore generally considered investable. The platform focuses on income-generating rental properties (buy-to-let), complemented by selected development projects. As a result, investors benefit not only from the ongoing interest payments, but in many cases also from a share in the capital appreciation when the property is sold at the end of the term. The platform, which financed its first loans at the end of 2020, is regulated and supervised by the Central Bank of Lithuania. Since November 2023, it has also held the ECSP license, meaning it is regulated under the EU Crowdfunding Regulation. Combined with the legally required segregation of investor and company funds, the consistently first-rank collateralisation and a demonstrably profitable business model, InRento ranks among the best-positioned providers in European real estate crowdfunding. Below is a short summary of all the key figures and information about InRento. InRento was founded in March 2020 by Lithuanian entrepreneur Gustas Germanavičius and launched at the end of 2020 as the first licensed buy-to-let crowdfunding platform in continental Europe. Notably, acquisitions and mergers have been a firm part of InRento’s growth strategy and history. In November 2021, InRento acquired the Estonian real estate platform BitOfProperty and thereby expanded into Spain. In March 2022, this was followed by the merger with EvoEstate, at the time Europe’s largest real estate crowdfunding aggregator, which Germanavičius had co-founded himself in 2018. At its core, InRento’s business model is the brokerage of real estate-secured loans. The platform acts as the interface between investors looking to earn interest on their capital and project owners seeking flexible financing for income-generating real estate projects. In doing so, InRento structures the loan projects, arranges the collateral in the form of first-rank mortgages and handles the monthly interest payments via the platform. Unlike P2P marketplaces such as Mintos or PeerBerry, InRento has no external loan originators. The platform sources, structures and vets all loan projects itself before they are offered for financing. InRento monetises its business model on three main levels: a project-based funding fee charged to the borrowers upon successful financing, a monthly transfer fee for distributing the interest payments (also borne by the borrower), and a 2% transaction fee on sales in the secondary market. P2P lending is a dynamic asset class where investors should stay continuously informed. You will find the latest news on InRento on my P2P lending news page, where I cover other P2P platforms as well. More than €122 million in financed loans, an average realized return of 11.68%, and no defaults or investor losses. This is the impressive track record of the Lithuanian crowdfunding platform InRento so far, which has specialized in Buy-to-Let real estate loans since 2020. How InRento's business model works, how the platform's financial position looks like, and which risks investors should be aware of prior an investment is now revealed in my latest platform review on the blog. Alternatively, you can subscribe to my Telegram channel or WhatsApp group (both free of charge) to receive real-time updates as soon as new developments emerge. Behind InRento stands the Lithuanian holding company “IRR Holding”, which owns 100% of the shares in the crowdfunding platform. Economically, the platform is controlled by founder and CEO Gustas Germanavičius. The details on the ownership structure and management follow in the next two sections. Who owns InRento? The platform is officially operated by the Lithuanian company “UAB Inrento”. A look at the Lithuanian company register reveals that 100% of the shares are held by the holding company “IRR Holding, UAB”. For my InRento review, I have a certified shareholder extract (JADIS) that officially confirms this structure. A certified JADIS extract is also available for IRR Holding, showing a total of 22 shareholders. According to the document, founder and CEO Gustas Germanavičius holds a direct stake of 52.7%. The second-largest shareholder is Verslo Angelų Fondas II, a Lithuanian business angel fund, with 11.6%. The remaining shares are spread across smaller shareholders, consisting of both private individuals and legal entities from several jurisdictions, including Estonia, Latvia, Hong Kong and the United Arab Emirates. At just 18, he raised his first venture capital for an AI startup, which he successfully sold a few years later. Several ventures in the proptech and mobility space followed, including Bikecount (bicycle counting systems) and WellParko (parking management automation). Both companies went through the Baltic accelerator Startup Wise Guys and won several awards. Germanavičius came to real estate crowdfunding through his own investing. By his own account, he was active as an investor in this asset class for around six years before co-founding EvoEstate, one of Europe’s largest real estate crowdfunding aggregators, in 2019. In 2022, EvoEstate was acquired by InRento. InRento’s core team currently consists of seven full-time employees, while other duties are being outsourced. To register with InRento, the following requirements must be met: The registration process is simple and intuitive. After opening an account via email address, you need to complete the KYC (Know Your Customer) and suitability assessment questionnaires, which are mandatory under the ECSP regulation. This is followed by identity verification and the choice of one of the two payment service providers (Paysera or MangoPay), through which the investment account is opened. Legal entities can also register with InRento. For this, additional corporate documents must be submitted, including details of the directors and the ultimate beneficial owners (UBOs). New investors receive a €20 Bonus for a €500 investment or €50 for €1,000. The €1,000 can be invested in one or two projects. A platform overview with all bonus offers and cashback promotions can be found on the bonus page. On InRento, investors invest from €500 per project in first-rank secured real estate loans, which can currently only be selected manually. Interest is paid out monthly, while a secondary market is available for an early exit. The following sections cover the loan offering, costs, returns and exit options in detail. InRento offers investments in mortgage-secured real estate loans from several European countries. The focus is clearly on the Lithuanian home market (around 49% of the financed volume) and Poland (around 36%). Smaller shares go to Romania, Finland, Italy, Latvia, Ireland and Spain. By property type, residential real estate dominates at around 53%, followed by hotels (around 26%) and commercial real estate (around 17%). The comparatively high hotel share should be taken into account in your own portfolio considerations, as this segment is more cyclical than classic residential properties. The minimum investment amount on InRento is €500 per loan. Projects currently have to be selected manually. A special feature of InRento is its buy-to-let focus. Many of the financed properties already generate ongoing rental income, from which the monthly interest payments are serviced. In addition, on many projects investors can benefit from a share in the capital appreciation when the property is sold at the end of the term. On InRento, there is a fee of 2% for sales on the secondary market. Apart from that, no further costs or fees apply to investors on InRento. Neither for account management, deposits and withdrawals, nor for investing on the primary market. What return can investors realistically expect on InRento? The platform reports a realised average return of 11.68% per year, against an original expectation of 9.36%. The excess return is mainly explained by the share in the sale profit (capital growth) on projects that are realised ahead of schedule. According to the statistics page, 99% of the realised projects were repaid ahead of their scheduled term, with an average term of 21 months. Decisive for the achievable return, in addition to the interest rate, is the portfolio quality. So far, there have been no loan defaults on InRento, which is why the platform offers a very attractive return profile for the underlying risk. P2P loans that are backed by collateral are usually never offered with a buyback guarantee. This is also the case with InRento as there is neither a buyback guarantee nor a provision fund. Instead, the first-rank mortgage serves as the central safeguard. It is registered in favour of the investors before the loan amount is disbursed. The loan-to-value (LTV) is capped at a maximum of 70%, based on an independent external valuation. In the worst case, recovery takes place through the foreclosure of the property, a process that can drag on for months or years and whose proceeds depend on the market environment at the time. An Auto Invest feature is not yet available on InRento. According to the platform, it is planned to be introduced by the end of 2026. For an early exit, investors currently have two options: Firstly, the secondary market, where loans can be sold to other investors (sales fee: 2%). Secondly, the so-called Grand Sale option for investors who have invested more than €50,000 in a single project. In this case, the position is offered to the entire investor base via the primary market. Generally, interest income generated through loan financing is considered capital income and thus must be declared as such in the tax return. As a Lithuania-based P2P platform, Crowdpear is legally obliged to withhold tax – at a rate of 15% – on interest income earned. This is automatically withheld by the platform. Investors can reduce the withholding tax to 10% by filling out a “DAS-1 form” and sending it to the platform. As there is a double taxation agreement between Lithuania and most European countries, the withholding tax can be offset. This means that it is not paid twice. A tax report is automatically generated on the platform after the end of the calendar year and can be downloaded for the tax return. The main risk with InRento lies in the possible default of individual real estate projects. In addition, there are platform, liquidity and regulatory risks. The following sections break down the individual risk factors in detail. The operational launch of the platform, which is operated by the Lithuanian company “UAB Inrento”, took place at the end of 2020. In its domestic market, the platform is controlled and supervised by the Central Bank of Lithuania. No Red Flags present. In November 2023, the Central Bank of Lithuania granted the license under which InRento may operate as a service provider under the European Crowdfunding Regulation (ECSP). This allows the platform to offer its services across Europe under a single regulatory framework, without having to obtain a separate authorisation in each EU member state. Unlike MiFID II-regulated platforms, investors are not entitled to compensation through an investor compensation scheme. Loan defaults or a possible insolvency of the borrowers are also not covered by the regulation. However, the ECSP regulation stipulates that platforms may not list projects from affiliated companies or insiders. Through the regulation, InRento must also meet a high level of compliance and transparency standards, including the publication of audited annual reports. The ECSP license obliges InRento to properly segregate investor funds from company funds. For this, the platform works with two payment service providers: Paysera (a dedicated account with an individual IBAN) and MangoPay (an individual virtual IBAN). This means that, in the event that InRento ceases operations, investors retain access to their funds and loan repayments can continue to run properly. Equally important to note: the investments offered via InRento are not covered by a national or European deposit protection scheme. Investors should therefore be aware that the invested capital is subject to a real risk of loss, that returns are not guaranteed, and that they may not get back the full invested amount. The financial stability of a P2P platform is a key risk factor. Can InRento already operate profitably? And what conclusions can be drawn from the balance sheet? Annual Report Auditor: UAB Audito aspektai Regulated audit firm. Standard: Lithuanian GAAP Local standard, not internationally comparable. Due to the crowdfunding regulation, InRento is legally required to publish audited annual reports. Verified investors can review these on the platform’s statistics page. In the 2025, InRento generated a profit of €957,675. The P2P platform has therefore been profitable for the third year in a row. Notable is the dip in 2024. Despite increasing revenue, profit fell below the previous year’s level. This was mainly due to increased selling and administrative expenses for the expansion. InRento has very strong balance sheet figures that point to a conservative growth trajectory. The equity ratio stands at a strong 81%, the debt ratio at a low 0.23 and the liquidity ratio at 4.6. A look at the development of the balance sheet underlines the growth. The balance sheet total has almost tripled within one year, from around €580,000 to just under €1.69 million. On the liabilities side, no long-term debt is reported. The short-term liabilities consist mainly of tax liabilities and supplier invoices. The loans offered on InRento are 100% secured by first-rank mortgages. Therefore, in the event of repayment difficulties or defaults, the sale of the property should provide a safeguard for the investment. The platform only finances loans up to a maximum loan-to-value (LTV) of 70%. To minimise the risk of loan defaults, every project goes through a multi-stage vetting process: a screening of the borrower and the project against the underwriting criteria, an independent property valuation by certified external appraisers, a financial and legal review of the borrower including track record and KYC/AML checks, as well as a legal review of the collateral. For development projects, disbursement also takes place in tranches, tied to verified construction progress. Borrowers must additionally demonstrate their own equity in the project (skin in the game) as well as relevant experience in the real estate sector. Depending on the case, additional collateral such as personal or corporate guarantees is required. One structural point should not go unmentioned: InRento vets the projects it earns money from. An independent corrective, as with an external loan originator, does not exist. The platform mitigates this conflict of interest through the mandatory external valuations. According to its own statements, team members and shareholders also regularly invest in the listed projects on the same terms. Highlighting its strong risk assessment quality, there have been neither defaults nor loans in recovery (0 of 196 projects) on InRento so far. In this section, I have listed what I consider to be the most important advantages and disadvantages of the P2P lending platform, based on my InRento review so far. What is the preliminary conclusion of my InRento review so far? InRento is one of the few real estate crowdfunding platforms where regulation, profitability and track record all align at the same time: ECSP-licensed and supervised by the Central Bank of Lithuania, audited annual reports with proven profitability, and zero defaults across nearly €120 million in financed loans (as of August 2026). This performance is hard to match in the P2P market, which is why InRento rightly earns a top ranking in the P2P Risk Score. Anyone who invests with InRento is relying on the quality of the in-house underwriting and on the first-rank mortgage as the last line of defence. The return expectation of 11.68% on average is in a very attractive range for the underlying risk profile and clearly above comparable secured alternatives. Anyone looking for a regulated crowdfunding platform with first-rank secured real estate loans, monthly interest payments and an outstanding portfolio quality should consider InRento as a stable and conservative addition to their P2P portfolio. New investors receive a €20 Bonus for a €500 investment or €50 for €1,000. The €1,000 can be invested in one or two projects. Already invested with InRento? Or looking for similar platforms? Here are three InRento alternatives from the current P2P market environment. Crowdpear: Another Lithuania-based and regulated crowdfunding marketplace focused on mortgage-secured real estate loans. Crowdpear was built by the same team behind the P2P marketplace PeerBerry. Strong portfolio performance and a high level of transparency. More information in my Crowdpear review. LANDE: A Latvia-based and regulated P2P platform focused on strongly secured agricultural loans. Like InRento, LANDE relies on real assets as collateral, with an average loan-to-value of just 44%. More information in my LANDE review. Profitus: Another Lithuania-based and regulated P2P marketplace focused on mortgage-secured real estate loans. Like InRento, Profitus is aimed at investors who want to combine strong collateralisation with competitive returns. More information in my Profitus review. You can find more InRento alternatives in the P2P Platforms Comparison. InRento is a Lithuania-based crowdfunding platform on which investors can invest in first-rank secured buy-to-let real estate loans from several European countries. The platform has been regulated under the EU Crowdfunding Regulation (ECSP) since November 2023 and offers an average return of 11.68%. Yes. InRento is supervised by the Central Bank of Lithuania and has held an ECSP license since November 2023. Investor funds are held in segregated accounts with individual IBANs via Paysera and MangoPay. However, there is no deposit protection scheme. The realised average return is 11.68% per year, compared with an original expectation of 9.36%. The excess return is mainly explained by the share in the sale profit (capital growth) on projects realised ahead of schedule. No. A buyback guarantee is extremely rare with real estate platforms that offer collateral as security. Instead, all loans are secured by first-rank mortgages at a maximum loan-to-value (LTV) of 70%. In the worst case, recovery takes place through the sale of the property. 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.
What is InRento?
InRento is a crowdfunding platform based in Lithuania on which investors can invest in mortgage-secured real estate loans from several European countries and earn an average return of 11.68%.InRento Fact Sheet
Founded / Launched:
March 2020 / End of 2020
Legal Name:
UAB Inrento (LINK)
Registered Office:
Vilnius, Lithuania
Regulated:
Yes (Central Bank of Lithuania / ECSP License)
CEO:
Gustas Germanavičius (March 2020)
Assets under Management:
EUR 89.3+ million
Number of Investors:
5,000+
Return:
11.7%
Safety Score:
8.4 / 10 (Rank 1 of 31) | View Methodology
Primary Loan Type:
Real Estate Loans (Buy-to-Let)
Collateral:
First-Rank Mortgage
Origin Story
Business Model
InRento News
Shareholders and Management
InRento Shareholders
InRento Management
Founder, CEO and driving force behind InRento is the Lithuanian entrepreneur Gustas Germanavičius, who gathered extensive entrepreneurial experience at an early age.
Sign Up and Bonus
InRento Bonus
Investing with InRento
The Loan Offering
Costs and Fees
Return
Buyback Guarantee
Auto Invest and Secondary Market
InRento Taxes
InRento Risk
Platform Risk
Red Flags 0
Regulation and License
Segregation of Funds and Deposit Protection
Financial Stability
Profitability
Balance Sheet
Borrower Risk Assessment
Advantages and Disadvantages
Summary: InRento Review
InRento Alternatives
FAQ InRento Review
InRento Review 2026
Last Update: 21 August 2026
★★★★★
(4.3)
New Investor Bonus
Skin in the Game
22. August 2026
★★★★★
(4.3)
New Investor Bonus
Safety Score
Rank 1 of 31
8.4
/ 10
Low Risk
Regulation and Licensing
15 / 15
Financial Stability
15 / 20
Transparency and Disclosure
15 / 15
Loan Portfolio and Investor Losses
25 / 25
Track Record and Crisis Behaviour
14 / 25
The Safety Score assesses platform risk only. Lender risks and country-specific risks are not covered and must be evaluated separately.
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Auto Invest: No option to invest money automatically
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Minimum Investment: Comparatively high entry point of €500 per project
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Conflicts of Interest: Project vetting takes place without an independent external corrective
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Withholding Taxes: Withholding taxes are retained for private investors
★★★★★
(4.3)
New Investor Bonus
Affiliate Links / Conflict of InterestDisclaimer
This article contains affiliate links. If you register and/or invest through one of these links, the operator receives a commission. The compensation has no influence on the opinion or the evaluation of the platform. Potential conflicts of interest can be looked up on the “P2P Portfolio” page.
Investments in P2P loans involve risks and may result in the complete loss of the invested capital. Past performance is not a reliable indicator of future developments. The following content is provided for informational purposes only and does not constitute investment advice. Despite careful research, no guarantee is given for the accuracy, completeness, or timeliness of the information provided. No liability is accepted for any financial losses or investment decisions made based on the information presented here. For more details, see the full disclaimer.
✅ What is InRento?
✅ Is InRento regulated and safe?
✅ What return can I expect with InRento?
✅ Is there a buyback guarantee with InRento?