{"id":15928,"date":"2023-02-23T06:00:00","date_gmt":"2023-02-23T05:00:00","guid":{"rendered":"https:\/\/rethink-p2p.de\/crowdpear-erfahrungen-2023-investieren-beim-peerberry-spin-off\/"},"modified":"2026-09-28T17:42:11","modified_gmt":"2026-09-28T15:42:11","slug":"crowdpear-review","status":"publish","type":"page","link":"https:\/\/rethink-p2p.de\/en\/crowdpear-review\/","title":{"rendered":"Crowdpear Review 2026"},"content":{"rendered":"<span class=\"rtp-aktualisiert\">Last Update: 29 September 2026<\/span>\r\n<p><span style=\"font-size: 1.125rem;\">\n    <div style=\"border:1px solid #c8c8c8;border-radius:8px;overflow:hidden;margin:1.5rem 0;background:#f9f9f9;box-shadow:0 2px 8px rgba(0,0,0,0.10);\">\n      <div style=\"padding:16px 20px 20px;\">\n       <div style=\"font-weight:700;font-size:1.1em;margin:0 0 -8px 0;padding:0;line-height:1.4;\">\n          Key Takeaways\n        <\/div>\n        <div style=\"margin-top:2px;\"><\/span><\/p>\r\n\n    <div style=\"display:flex;gap:10px;align-items:flex-start;margin-bottom:12px;padding-top:0px;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u2022<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\">Crowdpear is a P2P platform registered in Lithuania. Investors can invest in first-ranking secured real estate loans and earn a return of up to 14%. The platform launched operations in January 2023.<\/span>\n    <\/div>\n    <div style=\"display:flex;gap:10px;align-items:flex-start;margin-bottom:12px;padding-top:0px;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u2022<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\">Crowdpear is a spin-off of PeerBerry, one of the largest and most popular platforms in the P2P lending space. Due to the regulatory differences between the two business models, Crowdpear was established as a separate platform.<\/span>\n    <\/div>\n    <div style=\"display:flex;gap:10px;align-items:flex-start;margin-bottom:12px;padding-top:0px;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u2022<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\">Since July 2023, Crowdpear holds the European Crowdfunding Service Provider licence (ECSP), allowing the platform to offer its services under a unified regulatory framework across the entire EU.<\/span>\n    <\/div>\n    <div style=\"display:flex;gap:10px;align-items:flex-start;margin-bottom:12px;padding-top:0px;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u2022<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\">Crowdpear stands out for its strong loan portfolio quality. No capital losses for investors have occurred to date.<\/span>\n    <\/div><\/div>\n      <\/div>\n    <\/div>\r\n\n    <style>\n      #rtp-bonusbox-6aca84c39a72f .rtp-bonus-row{display:flex;gap:24px;align-items:flex-start;flex-wrap:wrap;}\n      #rtp-bonusbox-6aca84c39a72f .rtp-bonus-left{align-self:center;}\n      #rtp-bonusbox-6aca84c39a72f .rtp-bonus-mid{flex:1;min-width:220px;}\n      #rtp-bonusbox-6aca84c39a72f .rtp-bonus-mid p{margin:0;font-size:14px;line-height:1.5;color:#555555;}\n      #rtp-bonusbox-6aca84c39a72f .rtp-bonus-cta{flex-shrink:0;align-self:center;}\n      #rtp-bonus-btn-6aca84c39a72f{transition:background 0.2s ease;}\n      #rtp-bonus-btn-6aca84c39a72f:hover{background:#088a1f !important;}\n      @media (max-width:600px){\n        #rtp-bonusbox-6aca84c39a72f .rtp-bonus-row{flex-direction:column;text-align:center;align-items:center;}\n        #rtp-bonusbox-6aca84c39a72f .rtp-bonus-left{width:100% !important;}\n      }\n    <\/style>\n    <div id=\"rtp-bonusbox-6aca84c39a72f\" style=\"border:1.5px solid #0aad27;border-radius:10px;background:#f3fbf5;box-shadow:0 2px 8px rgba(0,0,0,0.06);margin:1.5rem 0;padding:18px 22px;\">\n      <div class=\"rtp-bonus-row\"><div class=\"rtp-bonus-left\" style=\"flex-shrink:0;width:180px;text-align:center;\"><img data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/06\/Crowdpear-2.png\" alt=\"Crowdpear\" style=\"--smush-placeholder-width: 2048px; --smush-placeholder-aspect-ratio: 2048\/387;max-width:160px;max-height:60px;height:auto;width:auto;display:inline-block;vertical-align:top;\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" class=\"lazyload\" \/><noscript><img src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/06\/Crowdpear-2.png\" alt=\"Crowdpear\" style=\"max-width:160px;max-height:60px;height:auto;width:auto;display:inline-block;vertical-align:top;\" \/><\/noscript>\n        <div style=\"margin-top:6px;display:flex;align-items:center;justify-content:center;gap:8px;\">\n          <span style=\"position:relative;display:inline-block;font-size:24px;line-height:1;letter-spacing:2px;\">\n            <span style=\"color:#d6d6d6;\">&#9733;&#9733;&#9733;&#9733;&#9733;<\/span>\n            <span style=\"position:absolute;left:0;top:0;overflow:hidden;white-space:nowrap;width:78%;color:#f5a623;\">&#9733;&#9733;&#9733;&#9733;&#9733;<\/span>\n          <\/span>\n          <span style=\"font-weight:700;color:#1a1a1a;font-size:16px;\">(3.9)<\/span>\n        <\/div><\/div><div class=\"rtp-bonus-mid\">\n          <div style=\"font-weight:700;font-size:1.1em;line-height:1.2;margin-bottom:6px;\">New Investor Bonus<\/div>\n          <p>New investors receive 1% cashback on all investments made within the first 90 days after registration.<\/p>\n        <\/div>\n        <div class=\"rtp-bonus-cta\">\n          <a id=\"rtp-bonus-btn-6aca84c39a72f\" href=\"https:\/\/bit.ly\/rethink-p2p-goes-crowdpear\" target=\"_blank\" rel=\"nofollow sponsored noopener\" style=\"display:inline-flex;align-items:center;gap:8px;background:#0aad27;color:#ffffff;padding:12px 22px;border-radius:8px;font-weight:700;font-size:1em;font-family:inherit;text-decoration:none;white-space:nowrap;\">Invest Now<\/a>\n        <\/div>\n      <\/div>\n    <\/div>\r\n<style>\n        .rtp-sitg{display:flex;align-items:center;gap:22px;border-radius:8px;box-shadow:0 2px 8px rgba(0,0,0,0.08);padding:18px 22px;margin:1.5rem 0;}\n        .rtp-sitg-body{flex:1;min-width:0;}\n        .rtp-sitg-title{font-weight:700;font-size:1.1em;color:#222;margin-bottom:6px;line-height:1.2;}\n        .rtp-sitg-text{margin:0;font-size:14px;line-height:1.5;color:#555555;}\n        .rtp-sitg-note{font-size:12px;color:#999;margin-top:6px;}\n        .rtp-sitg-btn{background:#262521;color:#fff !important;padding:13px 34px;border-radius:10px;font-size:16px;font-weight:700;text-decoration:none !important;white-space:nowrap;flex-shrink:0;transition:background .2s ease;}\n        .rtp-sitg-btn:hover{background:#14120f !important;color:#fff !important;text-decoration:none !important;}\n        @media(max-width:600px){\n          .rtp-sitg{flex-direction:column;align-items:stretch;gap:14px;}\n          .rtp-sitg-title{text-align:center;}\n          .rtp-sitg-btn{align-self:center;}\n        }\n        <\/style>\n    <div class=\"rtp-sitg\" style=\"background:#f7f7f7;border:1px solid #c8c8c8;\">\n      <div class=\"rtp-sitg-body\">\n        <div class=\"rtp-sitg-title\">Skin in the Game<\/div>\n        <p class=\"rtp-sitg-text\">I am currently winding down my investment in Crowdpear, which I started in May 2023. My outstanding portfolio on the platform stands at 609 \u20ac. The total return (XIRR) to date is at 11,18%.<\/p><\/div>\n      <a class=\"rtp-sitg-btn\" href=\"https:\/\/rethink-p2p.de\/en\/p2p-portfolio\/\" target=\"_blank\" rel=\"noopener\">My Portfolio<\/a>\n    <\/div>\r\n<hr \/>\r\n<h2><span style=\"color: #000000;\"><strong>What is <\/strong><\/span><span style=\"color: #000000;\"><strong>Crowdpear?<\/strong><\/span><\/h2>\r\n<p><a href=\"https:\/\/rethink-p2p.de\/en\/crowdpear-review\/\" target=\"_blank\" rel=\"noopener\"><img decoding=\"async\" loading=\"lazy\" class=\"size-full wp-image-14461 alignleft lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/02\/Crowdpear-Bonus-.jpg\" alt=\"crowdpear-logo\" width=\"300\" height=\"169\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 300px; --smush-placeholder-aspect-ratio: 300\/169;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"size-full wp-image-14461 alignleft\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/02\/Crowdpear-Bonus-.jpg\" alt=\"crowdpear-logo\" width=\"300\" height=\"169\" \/><\/noscript><\/a><\/p>\r\n<p>Crowdpear is a Lithuanian-based crowdfunding platform where investors can invest in mortgage-backed real estate loans from Lithuania and earn a return of up to 14%.<\/p>\r\n<p>The platform has been regulated and supervised by the Central Bank of Lithuania since its inception. In July 2023, the platform also obtained the ECSP licence, which means Crowdpear is regulated in accordance with the new EU Crowdfunding Regulation.<\/p>\r\n<p>In combination with the legally prescribed separation of investor and company funds, the safety on Crowdpear is much higher than on comparable P2P alternatives.<\/p>\r\n<h3 class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\"><strong>Crowdpear at a Glance<\/strong><\/h3>\r\n<p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\">All key facts and figures about Crowdpear at a glance.<\/p>\r\n<div class=\"su-table su-table-alternate\">\r\n<table>\r\n<tbody>\r\n<tr>\r\n<td><strong>Founded \/ Started:<\/strong><\/td>\r\n<td>August 2021 \/ January 2023<\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>Legal Name:<\/strong><\/td>\r\n<td>UAB Crowdpear (<strong><a href=\"https:\/\/www.registrucentras.lt\/jar\/p_en\/dok.php?kod=305888586\" target=\"_blank\" rel=\"noopener\">LINK<\/a><\/strong>)<\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>Headquarter:<\/strong><\/td>\r\n<td>Vilnius, Lithuania<\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>Regulated:<\/strong><\/td>\r\n<td>Yes (<a href=\"https:\/\/www.lb.lt\/lt\/frd-licencijos\/view_license?id=2174\" target=\"_blank\" rel=\"noopener\"><strong>Central Bank of Lithuania<\/strong><\/a> and <a href=\"https:\/\/registers.esma.europa.eu\/publication\/details?core=esma_registers_upreg&amp;docId=ae48050\" target=\"_blank\" rel=\"noopener\"><strong>ECSP License<\/strong><\/a>)<\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>CEO:<\/strong><\/td>\r\n<td><a href=\"https:\/\/www.linkedin.com\/in\/vytautas-o-ab449b6b\/\" target=\"_blank\" rel=\"noopener\"><strong>Vytautas Ol\u0161auskas<\/strong><\/a> (August 2021)<\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>Assets Under Management:<\/strong><\/td>\r\n<td>EUR 26.1+ million<\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>Number of Investors:<\/strong><\/td>\r\n<td>11,000+<\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>Expected Return:<\/strong><\/td>\r\n<td>Up to 12%<\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>Risk Score:<\/strong><\/td>\r\n<td>7.8 \/ 10 (Rank 3 of 31) | <a href=\"https:\/\/rethink-p2p.de\/en\/p2p-platform-risk\/\" target=\"_blank\" rel=\"noopener\"><strong>View Methodology<\/strong><\/a><\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>Primary Loan Type:<\/strong><\/td>\r\n<td>Real Estate Loans<\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>Collateral:<\/strong><\/td>\r\n<td>Mortgage<\/td>\r\n<\/tr>\r\n<\/tbody>\r\n<\/table>\r\n<\/div>\r\n<h3><span style=\"color: #000000;\"><strong>The Origin Story<\/strong><\/span><\/h3>\r\n<p>Crowdpear is a PeerBerry spin-off. This is proven by the fact that two of the three shareholders are also shareholders at PeerBerry. In Addition, there is also a strong overlap in terms of team members.<\/p>\r\n<p>The spin-off was founded primarily because PeerBerry and Crowdpear pursue different business models that are assessed differently from a regulatory point of view. Combining the two platforms under one roof would therefore not have been possible.<\/p>\r\n<p>For the marketplace model practised by PeerBerry, in which short-term consumer loans are offered by external lenders, there is no regulation at EU level yet (PeerBerry had rejected a possible regulation in Latvia). On the other hand, crowdfunding regulation exists for platforms such as Crowdpear, where investments are primarily made in secured real estate loans and business loans.<\/p>\r\n<p>For this reason, a decision was made to set-up a regulated platform with Crowdpear, which was officially founded in August 2021. The launch in early 2022 was postponed due to the war in Ukraine. In October 2022, the platform accepted first registrations. The first loans were offered at the beginning of 2023.<\/p>\r\n<h3>Business Model<\/h3>\r\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/12\/Crowdpear-Erfahrungen-Monetarisierung.jpg\"><img decoding=\"async\" loading=\"lazy\" class=\"alignleft wp-image-18624 lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/12\/Crowdpear-Erfahrungen-Monetarisierung.jpg\" alt=\"crowdpear-review-how-does-crowdpear-earn-money\" width=\"400\" height=\"297\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/12\/Crowdpear-Erfahrungen-Monetarisierung.jpg 800w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/12\/Crowdpear-Erfahrungen-Monetarisierung-300x223.jpg 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/12\/Crowdpear-Erfahrungen-Monetarisierung-768x571.jpg 768w\" data-sizes=\"(max-width: 400px) 100vw, 400px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 400px; --smush-placeholder-aspect-ratio: 400\/297;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"alignleft wp-image-18624\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/12\/Crowdpear-Erfahrungen-Monetarisierung.jpg\" alt=\"crowdpear-review-how-does-crowdpear-earn-money\" width=\"400\" height=\"297\" srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/12\/Crowdpear-Erfahrungen-Monetarisierung.jpg 800w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/12\/Crowdpear-Erfahrungen-Monetarisierung-300x223.jpg 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/12\/Crowdpear-Erfahrungen-Monetarisierung-768x571.jpg 768w\" sizes=\"(max-width: 400px) 100vw, 400px\" \/><\/noscript><\/a>How does Crowdpear earn money? The platform monetises itself primarily through a brokerage fee, which is charged to borrowers upon successful project financing. This can be between 2% and 5% of the financed loan amount.<\/p>\r\n<p>Other sources of income include administrative fees, penalty fees or early termination fees. For investors, on the other hand, investing on Crowdpear is free of charge.<\/p>\r\n<p>A detailed overview of the fees charged can be found in this <a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/02\/Kosten-und-Gebuehren-bei-Crowdpear.pdf\" target=\"_blank\" rel=\"noopener\"><strong>price list<\/strong><\/a>.<\/p>\r\n<h3>Crowdpear On-Site Visit<\/h3>\r\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Aventus-Group-Erfahrungen-P2P-Kredite-Reise-2024.jpg\"><img decoding=\"async\" loading=\"lazy\" class=\"size-full wp-image-22024 alignleft lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Aventus-Group-Erfahrungen-P2P-Kredite-Reise-2024.jpg\" alt=\"\" width=\"519\" height=\"714\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Aventus-Group-Erfahrungen-P2P-Kredite-Reise-2024.jpg 519w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Aventus-Group-Erfahrungen-P2P-Kredite-Reise-2024-218x300.jpg 218w\" data-sizes=\"(max-width: 519px) 100vw, 519px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 519px; --smush-placeholder-aspect-ratio: 519\/714;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"size-full wp-image-22024 alignleft\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Aventus-Group-Erfahrungen-P2P-Kredite-Reise-2024.jpg\" alt=\"\" width=\"519\" height=\"714\" srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Aventus-Group-Erfahrungen-P2P-Kredite-Reise-2024.jpg 519w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Aventus-Group-Erfahrungen-P2P-Kredite-Reise-2024-218x300.jpg 218w\" sizes=\"(max-width: 519px) 100vw, 519px\" \/><\/noscript><\/a>In June 2024, I visited Crowdpear on-site in Vilnius. During my visit, I had the opportunity to get to know the team and speak in more detail with three people: Risk Manager Ernesta Lynik\u0117, who previously spent three and a half years at Profitus, Marketing Manager Rita Simanavi\u010di\u016bt\u0117 and Aventus owner Andrejus Trofimovas.<\/p>\r\n<p>The conversations focused on the risk assessment process for Crowdpear projects, the approach to potential defaults and general developments within the Aventus Group. With Andrejus Trofimovas, there was also an open exchange on more critical topics, including the absence of audited financial reports, the handling of Ukrainian assets during the war and the long-term strategy of the group.<\/p>\r\n<h3 data-pm-slice=\"1 1 []\">Crowdpear News<\/h3>\r\n<p>P2P lending is a dynamic asset class where investors should stay continuously informed. You will find the latest news on Crowdpear on my <strong><a href=\"https:\/\/rethink-p2p.de\/en\/news\/\">P2P lending news<\/a><\/strong> page, where I cover other P2P platforms as well.<\/p>\r\n<div class=\"rtp-review-news\"><div class=\"rrn-card\" onclick=\"this.classList.toggle('open')\"><svg class=\"rrn-chevron\" viewBox=\"0 0 16 16\" fill=\"none\"><path d=\"M4 6l4 4 4-4\" stroke=\"currentColor\" stroke-width=\"1.8\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><div class=\"rrn-date\">26. June 2026<\/div><div class=\"rrn-title\"><a class=\"rrn-title-link\" href=\"https:\/\/rethink-p2p.de\/en\/news\/crowdpear-annual-report-2025-second-year-of-profitability\/\" onclick=\"event.stopPropagation()\">Crowdpear Annual Report 2025: Second Year of Profitability<\/a><\/div><div class=\"rrn-body\"><div class=\"rrn-content\"><p>Crowdpear has now also published its financial results for 2025. The report was audited by UAB Audifina and prepared in accordance with Lithuanian accounting standards.<\/p>\n<p>According to the report, the company achieved a profit of EUR 267,215 in the last financial year. This marks the second consecutive year of profitability (2024: EUR 152,126). Both revenue and net profit grew by 76% respectively, reflecting consistent and profitable growth at a stable margin (net margin of around 30% in both years).<\/p>\n<p>The balance sheet figures are consistently positive and point to a conservative growth trajectory. The equity ratio more than doubled, rising from 10.5% to 26.6%, and both the debt ratio (2.8) and the liquidity ratio (1.4) remain within a strong range.<\/p>\n<\/div><div class=\"rrn-btns\"><a class=\"rrn-btn rrn-btn--source\" href=\"https:\/\/crowdpear.com\/wp-content\/uploads\/2026\/06\/Crowdpear_Audited-Financial-statements-2025.pdf\" target=\"_blank\" rel=\"noopener noreferrer\" onclick=\"event.stopPropagation()\"><svg viewBox=\"0 0 16 16\" fill=\"none\"><path d=\"M4 2h5.5L12 4.5V14H4V2z\" stroke=\"currentColor\" stroke-width=\"1.2\" stroke-linejoin=\"round\"\/><path d=\"M9 2v3h3\" stroke=\"currentColor\" stroke-width=\"1.2\" stroke-linejoin=\"round\"\/><path d=\"M6 7h4M6 9.5h4M6 12h2.5\" stroke=\"currentColor\" stroke-width=\"1.2\" stroke-linecap=\"round\"\/><\/svg>Source<\/a><\/div><\/div><\/div><\/div>\r\n<p>Alternatively, you can subscribe to my <strong><a href=\"https:\/\/bit.ly\/rethinkp2p-en-telegram\">Telegram channel<\/a><\/strong> or <strong><a href=\"https:\/\/bit.ly\/rethinkp2p-en-whatsapp\">WhatsApp group<\/a><\/strong> (both free of charge) to receive real-time updates as soon as new developments emerge.<\/p>\r\n<hr \/>\r\n<h2>Shareholder and Management<\/h2>\r\n<p>Who are the main shareholders and management executives behind Crowdpear? Let&#8217;s have a look!<\/p>\r\n<h3><strong style=\"color: #000000; font-size: 1.5rem; font-family: var(--text-font);\">Crowdpear <\/strong><span style=\"color: #000000;\"><strong>Shareholder<\/strong><\/span><\/h3>\r\n<p>Who owns Crowdpear? The platform is officially operated by the Lithuanian company \u2018UAB Crowdpear\u2019. A look at the Lithuanian company register reveals that this company has three main shareholders.<\/p>\r\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/12\/Crowdpear-Erfahrungen-Eigentumer.png\"><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-18621 lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/12\/Crowdpear-Erfahrungen-Eigentumer.png\" alt=\"Crowdpear-Review-Ownership\" width=\"1000\" height=\"633\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/12\/Crowdpear-Erfahrungen-Eigentumer.png 1000w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/12\/Crowdpear-Erfahrungen-Eigentumer-300x190.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/12\/Crowdpear-Erfahrungen-Eigentumer-768x486.png 768w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/12\/Crowdpear-Erfahrungen-Eigentumer-600x380.png 600w\" data-sizes=\"(max-width: 1000px) 100vw, 1000px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 1000px; --smush-placeholder-aspect-ratio: 1000\/633;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-18621\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/12\/Crowdpear-Erfahrungen-Eigentumer.png\" alt=\"Crowdpear-Review-Ownership\" width=\"1000\" height=\"633\" srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/12\/Crowdpear-Erfahrungen-Eigentumer.png 1000w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/12\/Crowdpear-Erfahrungen-Eigentumer-300x190.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/12\/Crowdpear-Erfahrungen-Eigentumer-768x486.png 768w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/12\/Crowdpear-Erfahrungen-Eigentumer-600x380.png 600w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/noscript><\/a><\/p>\r\n<p>Vytautas Ol\u0161auskas (25%) and Ivan Butov (25%) are two shareholders who are also registered as owners at PeerBerry with the same amount of shares.<\/p>\r\n<p>Vytautas Stra\u017enickas (50%), on the other hand, is a manager for one of the oldest printing companies in Lithuania, where he has been active for 25+ years &#8211; Garsu Pasaulis. Vytautas also holds one of the leading positions at the Aventus Group in Poland.<\/p>\r\n<h3><strong>Crowdpear Management<\/strong><\/h3>\r\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/02\/Crowdpear-CEO-Vytautas-Olsauskas.jpg\"><img decoding=\"async\" loading=\"lazy\" class=\"alignleft wp-image-14469 lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/02\/Crowdpear-CEO-Vytautas-Olsauskas.jpg\" alt=\"crowdpear-ceo\" width=\"250\" height=\"321\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/02\/Crowdpear-CEO-Vytautas-Olsauskas.jpg 400w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/02\/Crowdpear-CEO-Vytautas-Olsauskas-234x300.jpg 234w\" data-sizes=\"(max-width: 250px) 100vw, 250px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 250px; --smush-placeholder-aspect-ratio: 250\/321;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"alignleft wp-image-14469\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/02\/Crowdpear-CEO-Vytautas-Olsauskas.jpg\" alt=\"crowdpear-ceo\" width=\"250\" height=\"321\" srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/02\/Crowdpear-CEO-Vytautas-Olsauskas.jpg 400w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/02\/Crowdpear-CEO-Vytautas-Olsauskas-234x300.jpg 234w\" sizes=\"(max-width: 250px) 100vw, 250px\" \/><\/noscript><\/a><\/p>\r\n<p>CEO of the Crowdpear platform is the Lithuanian Vytautas Ol\u0161auskas. He is also a member of the board at Mano Bank, which he co-founded. This is why his influence on Crowdpear is more of a strategic nature and less in day-to-day operations.<\/p>\r\n<p>Ar\u016bnas Lekavi\u010dius, who should be known to many investors for years as PeerBerry CEO (since January 2019), acts as the external representative.<\/p>\r\n<p>On the Crowdpear website, investors can find more information about <a href=\"https:\/\/crowdpear.com\/about-us\/\" target=\"_blank\" rel=\"noopener\"><strong>the platform&#8217;s team members<\/strong><\/a>. It is striking that there is a lot of overlap with the PeerBerry team. Among them is Rita Simanavi\u010di\u016bt\u0117, who is responsible for marketing and PR.<\/p>\r\n<hr \/>\r\n<h2><span style=\"color: #000000;\">Sign Up and Bonus<\/span><\/h2>\r\n<p>In order to invest on Crowdpear, investors must meet two requirements: A minimum age of 18 years and a residence in the European Union or the European Economic Area.<\/p>\r\n<p>Overall, the registration process is relatively simple and intuitive. After opening the account via email, the KYC (Know-Your-Customer) and AML (Anti-Money-Laundering) questionnaires must be completed. This is followed by the verification of identity and the declaration of tax domicile.<\/p>\r\n<p>Also legal entities have the opportunity to register on Crowdpear.<\/p>\r\n<h3><span style=\"color: revert; font-size: 1.5rem; font-weight: revert; font-family: var(--text-font);\">Crowdpear Bonus<\/span><\/h3>\r\n\r\n<p>A platform overview with all bonus offers and cashback promotions can be found on the <a href=\"https:\/\/rethink-p2p.de\/en\/bonus\/\" target=\"_blank\" rel=\"noopener\"><strong>bonus page<\/strong><\/a>.<\/p>\r\n<hr \/>\r\n<h2><strong>Investing on Crowdpear<\/strong><\/h2>\r\n<p>How does Crowdpear work and what should investors know and consider when investing on the plaform? In the following sections of my Crowdpear review you will find all the necessary information that you need.<\/p>\r\n<h3><span style=\"color: #000000;\"><strong>Loan Offering<\/strong><\/span><\/h3>\r\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/12\/Crowdpear-Erfahrungen-P2P-Kredite.png\"><img decoding=\"async\" loading=\"lazy\" class=\"size-full wp-image-18628 alignleft lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/12\/Crowdpear-Erfahrungen-P2P-Kredite.png\" alt=\"crowdpear-review-p2p-lending\" width=\"400\" height=\"566\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/12\/Crowdpear-Erfahrungen-P2P-Kredite.png 400w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/12\/Crowdpear-Erfahrungen-P2P-Kredite-212x300.png 212w\" data-sizes=\"(max-width: 400px) 100vw, 400px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 400px; --smush-placeholder-aspect-ratio: 400\/566;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"size-full wp-image-18628 alignleft\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/12\/Crowdpear-Erfahrungen-P2P-Kredite.png\" alt=\"crowdpear-review-p2p-lending\" width=\"400\" height=\"566\" srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/12\/Crowdpear-Erfahrungen-P2P-Kredite.png 400w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/12\/Crowdpear-Erfahrungen-P2P-Kredite-212x300.png 212w\" sizes=\"(max-width: 400px) 100vw, 400px\" \/><\/noscript><\/a>Crowdpear offers investments in secured real estate loans from Lithuania on its platform.<\/p>\r\n<p>Due to low supply, there is currently no Auto Invest function. Instead, projects have to be selected manually. A second borrower country, Spain, is to be added in the foreseeable future.<\/p>\r\n<p>The minimum investment amount on Crowdpear is EUR 100.<\/p>\r\n<p>A special feature of Crowdpear is that interest is calculated from the first day of the investment. On other crowdfunding platforms, the payment is usually made at the end of the loan term.<\/p>\r\n<p>It is also important to note that Crowdpear acts as an intermediary between borrowers and investors. This means that the loan agreements are concluded with the borrower and not with the platform. In case Crowdpear had to file for insolvency, the claims would still exist.<\/p>\r\n<p><strong style=\"color: #000000; font-size: 1.5rem; font-family: var(--text-font);\">Costs and Fees<\/strong><\/p>\r\n<p>There are no costs or hidden fees for investors on Crowdpear. Both deposits and withdrawals are free, as is investing on the platform itself.<\/p>\r\n<h3><span style=\"color: #000000;\"><strong>Expected Returns<\/strong><\/span><\/h3>\r\n<p>The expected return on Crowdpear is promoted with up to 14% (previously: 15%). According to the previous loan projects, the average interest rate on the platform has been 11.24%. Compared to other crowdfunding platforms, which can offer a similar level of security, this seems to be a competitive return.<\/p>\r\n<p><a href=\"https:\/\/bit.ly\/rethinkp2p-goes-crowdpear\" target=\"_blank\" rel=\"noopener\"><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-14570 lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/02\/Crowdpear-Erfahrungen-Rendite.png\" alt=\"crowdpear-review-2024-return\" width=\"1000\" height=\"212\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/02\/Crowdpear-Erfahrungen-Rendite.png 1000w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/02\/Crowdpear-Erfahrungen-Rendite-300x64.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/02\/Crowdpear-Erfahrungen-Rendite-768x163.png 768w\" data-sizes=\"(max-width: 1000px) 100vw, 1000px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 1000px; --smush-placeholder-aspect-ratio: 1000\/212;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-14570\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/02\/Crowdpear-Erfahrungen-Rendite.png\" alt=\"crowdpear-review-2024-return\" width=\"1000\" height=\"212\" srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/02\/Crowdpear-Erfahrungen-Rendite.png 1000w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/02\/Crowdpear-Erfahrungen-Rendite-300x64.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/02\/Crowdpear-Erfahrungen-Rendite-768x163.png 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/noscript><\/a><\/p>\r\n<p>Overall, Crowdpear offers a very competitive return for the underlying risk. Defaults and recoveries have to be taken into account though when looking at the future return.\u00a0<\/p>\r\n<p>As far as my personal return on Crowdpear goes, my total return in 2023 has been at 5.89%. The somewhat lower performance was mainly due to the repayment structure of the loans. Looking at 2024, my annual performance stands at 10.52%, which is more likely to correspond to a realistic return expectation.<\/p>\r\n<h3>Secondary Market<\/h3>\r\n<p>On Crowdpear, investors can use the secondary market to sell their loans early and thus increase liquidity. Both a discount and a premium can be set for the respective project.<\/p>\r\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/12\/Crowdpear-Zweitmarkt-P2P.png\"><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-18636 lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/12\/Crowdpear-Zweitmarkt-P2P.png\" alt=\"crowdpear-review-secondary-market\" width=\"1000\" height=\"292\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/12\/Crowdpear-Zweitmarkt-P2P.png 1000w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/12\/Crowdpear-Zweitmarkt-P2P-300x88.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/12\/Crowdpear-Zweitmarkt-P2P-768x224.png 768w\" data-sizes=\"(max-width: 1000px) 100vw, 1000px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 1000px; --smush-placeholder-aspect-ratio: 1000\/292;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-18636\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/12\/Crowdpear-Zweitmarkt-P2P.png\" alt=\"crowdpear-review-secondary-market\" width=\"1000\" height=\"292\" srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/12\/Crowdpear-Zweitmarkt-P2P.png 1000w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/12\/Crowdpear-Zweitmarkt-P2P-300x88.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/12\/Crowdpear-Zweitmarkt-P2P-768x224.png 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/noscript><\/a><\/p>\r\n<p>If the sale is successful, the seller is automatically charged a fee of 2% from the transaction amount. The buyer, on the other hand, is not charged any fees.<\/p>\r\n<hr \/>\r\n<h2><span style=\"color: #000000;\"><strong>Crowdpear Taxes<\/strong><\/span><\/h2>\r\n<p>Generally, interest income generated through loan financing is considered capital income and thus must be declared as such in the tax return.<\/p>\r\n<p>As a Lithuania-based P2P platform, Crowdpear is legally obliged to withhold tax &#8211; at a rate of 15% &#8211; on interest income earned. This is automatically withheld by the platform. Investors can reduce the withholding tax to 10% by filling out a &#8220;DAS-1 form&#8221; and sending it to the platform.<\/p>\r\n<p>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.<\/p>\r\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/12\/Crowdpear-Steuern-P2P-Kredite.png\"><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-18630 lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/12\/Crowdpear-Steuern-P2P-Kredite.png\" alt=\"crowdpear-review-taxes\" width=\"1000\" height=\"326\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/12\/Crowdpear-Steuern-P2P-Kredite.png 1000w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/12\/Crowdpear-Steuern-P2P-Kredite-300x98.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/12\/Crowdpear-Steuern-P2P-Kredite-768x250.png 768w\" data-sizes=\"(max-width: 1000px) 100vw, 1000px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 1000px; --smush-placeholder-aspect-ratio: 1000\/326;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-18630\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/12\/Crowdpear-Steuern-P2P-Kredite.png\" alt=\"crowdpear-review-taxes\" width=\"1000\" height=\"326\" srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/12\/Crowdpear-Steuern-P2P-Kredite.png 1000w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/12\/Crowdpear-Steuern-P2P-Kredite-300x98.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/12\/Crowdpear-Steuern-P2P-Kredite-768x250.png 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/noscript><\/a><\/p>\r\n<p>Investors can also download a corresponding document for the tax return via the dashboard at the &#8220;Statements&#8221; section.<\/p>\r\n<hr \/>\r\n<h2><span style=\"color: #000000;\">Crowdpear Risks<\/span><\/h2>\r\n<p>When evaluating a P2P platform, investors should look very carefully at the possible risk factors and weigh them up before making an investment. What do investors need to look at when it comes to Crowdpear? Where are the underlying risks and how can those be assessed?<\/p>\r\n<p>The platform itself offers an initial overview. In <strong><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/02\/Risiken-Crowdpear-Erfahrungen.pdf\">this document<\/a><\/strong>, Crowdpear lists a number of possible risks, including default risks or recovery difficulties.<\/p>\r\n<h3>Platform Risk<\/h3>\r\n<p>The Crowdpear platform, operated by the Lithuanian company &#8220;UAB Crowdpear&#8221;, launched its operations in January 2023. In its domestic market, the platform is supervised and monitored by the Lithuanian Central Bank.<\/p>\r\n<div class=\"ss-box\">\n  <div class=\"ss-head\">\n    <div class=\"ss-head-left\">\n      <div class=\"ss-title\">Safety Score<\/div>\n      <div class=\"ss-rank\">Rank 3 of 31<\/div>\n    <\/div>\n    <div class=\"ss-head-right\">\n      <span class=\"ss-score\" style=\"color:#1D9E75\">7.8<\/span>\n      <span class=\"ss-of10\">\/ 10<\/span>\n      <span class=\"ss-pill ss-pill--low\">Low Risk<\/span>\n    <\/div>\n  <\/div>\n  <div class=\"ss-cats\">\n    <div class=\"ss-cat\">\n      <span class=\"ss-cat-name\">Regulation and Licensing<\/span>\n      <div class=\"ss-cat-bar\"><div class=\"ss-bar--g\" style=\"width:100%\"><\/div><\/div>\n      <span class=\"ss-cat-pts\">15 \/ 15<\/span>\n    <\/div>\n    <div class=\"ss-cat\">\n      <span class=\"ss-cat-name\">Financial Stability<\/span>\n      <div class=\"ss-cat-bar\"><div class=\"ss-bar--g\" style=\"width:75%\"><\/div><\/div>\n      <span class=\"ss-cat-pts\">15 \/ 20<\/span>\n    <\/div>\n    <div class=\"ss-cat\">\n      <span class=\"ss-cat-name\">Transparency and Disclosure<\/span>\n      <div class=\"ss-cat-bar\"><div class=\"ss-bar--g\" style=\"width:100%\"><\/div><\/div>\n      <span class=\"ss-cat-pts\">15 \/ 15<\/span>\n    <\/div>\n    <div class=\"ss-cat\">\n      <span class=\"ss-cat-name\">Loan Portfolio and Investor Losses<\/span>\n      <div class=\"ss-cat-bar\"><div class=\"ss-bar--g\" style=\"width:80%\"><\/div><\/div>\n      <span class=\"ss-cat-pts\">20 \/ 25<\/span>\n    <\/div>\n    <div class=\"ss-cat\">\n      <span class=\"ss-cat-name\">Track Record and Crisis Behaviour<\/span>\n      <div class=\"ss-cat-bar\"><div class=\"ss-bar--y\" style=\"width:52%\"><\/div><\/div>\n      <span class=\"ss-cat-pts\">13 \/ 25<\/span>\n    <\/div>\n  <\/div>\n  <details class=\"ss-rf\">\n    <summary class=\"ss-rf-toggle\">\n      <span class=\"ss-rf-toggle-label\">Red Flags <span class=\"ss-rf-badge ss-rf-badge--ok\">0<\/span><\/span>\n      <span class=\"ss-rf-chevron\"><\/span>\n    <\/summary>\n    <div class=\"ss-rf-body\">\n      <p class=\"ss-rf-none\">No Red Flags present.<\/p>\n    <\/div>\n  <\/details>\n  <div class=\"ss-note\">\n    The Safety Score assesses platform risk only. Lender risks and country-specific risks are not covered and must be evaluated separately.  <\/div>\n  <div class=\"ss-foot\">\n    <a class=\"ss-link\" href=\"https:\/\/rethink-p2p.de\/en\/p2p-platform-risk\/\" target=\"_blank\" rel=\"noopener noreferrer\">View full methodology &rarr;<\/a>\n  <\/div>\n<\/div>\n\r\n<h4>Regulation and Licence<\/h4>\r\n<p>In July 2023, the Lithuanian Central Bank approved the licence allowing Crowdpear to operate as a <strong><a href=\"https:\/\/www.lb.lt\/lt\/frd-licencijos\/view_license?id=2174\">service provider under the European Crowdfunding Regulation<\/a><\/strong> (ECSP). This enables the platform to offer its services across the EU under a unified regulatory framework, without requiring a separate authorisation in each member state.<\/p>\r\n<p>Unlike MiFID II-regulated platforms, investors have no entitlement to compensation through an investor compensation scheme. Loan defaults or a potential insolvency of borrowers are also not covered by the regulation.<\/p>\r\n<p>The ECSP regulation does, however, prohibit platforms from listing projects connected to affiliated companies or insiders. Through its regulatory status, Crowdpear is also required to meet a high standard of compliance and transparency, including the publication of <a href=\"https:\/\/crowdpear.com\/annual-reports\/\" target=\"_blank\" rel=\"noopener\"><strong>audited financial reports<\/strong><\/a>.<\/p>\r\n<h4>Segregation of Funds and Deposit Protection<\/h4>\r\n<p>The ECSP licence requires Crowdpear to maintain a strict separation between investor funds and the company&#8217;s own operating funds. For this purpose, the platform works with Mano Bank, which holds investor funds in separate accounts. This means that in the event of Crowdpear ceasing operations, investors retain access to their funds and loan repayments can continue in an orderly manner.<\/p>\r\n<p>Investments offered through Crowdpear are not covered by a national or European 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.<\/p>\r\n<hr \/>\r\n<h3><strong>Financial Stability<\/strong><\/h3>\r\n<p>The financial stability of a P2P platform is a key risk factor. Is Crowdpear already able to operate profitably? And how well is the company positioned financially?<\/p>\r\n\t<div class=\"rtp-quellenbox\">\n\t\t<div class=\"rtp-grid\">\n\n\t\t\t\t\t\t<div class=\"rtp-col\">\n\t\t\t\t<div class=\"rtp-icon rtp-blue\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"18\" height=\"18\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M12 17V3\"\/><path d=\"m6 11 6 6 6-6\"\/><path d=\"M19 21H5\"\/><\/svg><\/div>\n\t\t\t\t<div class=\"rtp-content\">\n\t\t\t\t\t<p class=\"rtp-label\">Annual Report<\/p>\n\t\t\t\t\t<p class=\"rtp-desc\">\n\t\t\t\t\t\t<a class=\"rtp-link\" href=\"https:\/\/crowdpear.com\/wp-content\/uploads\/2026\/06\/Crowdpear_Audited-Financial-statements-2025.pdf\" target=\"_blank\" rel=\"noopener\">\n\t\t\t\t\t\t\tUAB Crowdpear \u2013 Annual Report 2025\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/p>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t<div class=\"rtp-vdivider\"><\/div>\n\n\t\t\t<div class=\"rtp-col\">\n\t\t\t\t<div class=\"rtp-icon rtp-yellow\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"18\" height=\"18\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M12 22s8-4 8-10V5l-8-3-8 3v7c0 6 8 10 8 10\"\/><\/svg><\/div>\n\t\t\t\t<div class=\"rtp-content\">\n\t\t\t\t\t<p class=\"rtp-label\">Auditor: UAB Audifina<\/p>\n\t\t\t\t\t<p class=\"rtp-desc\">Regulated audit firm.<\/p>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"rtp-vdivider\"><\/div>\n\n\t\t\t<div class=\"rtp-col\">\n\t\t\t\t<div class=\"rtp-icon rtp-yellow\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"18\" height=\"18\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><circle cx=\"12\" cy=\"12\" r=\"10\"\/><path d=\"m9 12 2 2 4-4\"\/><\/svg><\/div>\n\t\t\t\t<div class=\"rtp-content\">\n\t\t\t\t\t<p class=\"rtp-label\">Standard: Lithuanian GAAP<\/p>\n\t\t\t\t\t<p class=\"rtp-desc\">Local standard, not internationally comparable.<\/p>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\t<\/div>\n\n\t<style>\n\t.rtp-quellenbox {\n\t\tbackground: #F8F8F6;\n\t\tborder: 1px solid #e5e5e5;\n\t\tborder-radius: 12px;\n\t\tpadding: 20px 24px;\n\t\twidth: 100%;\n\t\tbox-sizing: border-box;\n\t\tfont-family: -apple-system, BlinkMacSystemFont, \"Segoe UI\", Roboto, sans-serif;\n\t\tmargin: 1.5rem 0;\n\t\tbox-shadow: 0 2px 8px rgba(0, 0, 0, 0.06);\n\t}\n\t.rtp-grid {\n\t\tdisplay: flex;\n\t\talign-items: stretch;\n\t}\n\t.rtp-col {\n\t\tdisplay: flex;\n\t\talign-items: flex-start;\n\t\tgap: 12px;\n\t\tflex: 1;\n\t\tpadding: 0 20px;\n\t}\n\t.rtp-col .rtp-content {\n\t\tpadding-top: 0;\n\t\tmargin-top: 0;\n\t}\n\t.rtp-col .rtp-content p:first-child,\n\t.rtp-col .rtp-content a:first-child {\n\t\tmargin-top: 0;\n\t\tpadding-top: 0;\n\t}\n\t.rtp-col:first-child { padding-left: 0; }\n\t.rtp-col:last-child  { padding-right: 0; }\n\t.rtp-vdivider {\n\t\twidth: 1px;\n\t\tbackground: #e5e5e5;\n\t\tflex-shrink: 0;\n\t}\n\t.rtp-icon {\n\t\twidth: 36px;\n\t\theight: 36px;\n\t\tborder-radius: 8px;\n\t\tdisplay: flex;\n\t\talign-items: center;\n\t\tjustify-content: center;\n\t\tflex-shrink: 0;\n\t\talign-self: flex-start;\n\t}\n\t.rtp-blue   { background: #E6F1FB; color: #185FA5; }\n\t.rtp-green  { background: #C0DD97; color: #27500A; }\n\t.rtp-yellow { background: #FAEEDA; color: #854F0B; }\n\t.rtp-red    { background: #FCEBEB; color: #A32D2D; }\n\t.rtp-gray   { background: #F1EFE8; color: #5F5E5A; }\n\t.rtp-quellenbox .rtp-label {\n\t\tfont-size: 13px;\n\t\tfont-weight: 600;\n\t\tcolor: #111111;\n\t\tmargin: 0 0 3px 0 !important;\n\t\tpadding: 0 !important;\n\t\tline-height: 1.4;\n\t}\n\t.rtp-quellenbox .rtp-desc {\n\t\tfont-size: 12px;\n\t\tcolor: #666666;\n\t\tmargin: 0;\n\t\tline-height: 1.4;\n\t\tmargin-top: 3px;\n\t}\n\t.rtp-quellenbox .rtp-link {\n\t\tfont-size: 12px;\n\t\tfont-weight: 500;\n\t\tcolor: #185FA5;\n\t\ttext-decoration: none;\n\t\tdisplay: inline-block;\n\t\tline-height: 1.4;\n\t}\n\t.rtp-quellenbox .rtp-link:hover { text-decoration: underline; }\n\n\t\/* Mobile: untereinander *\/\n\t@media (max-width: 640px) {\n\t\t.rtp-grid        { flex-direction: column; gap: 12px; }\n\t\t.rtp-col         { padding: 0; }\n\t\t.rtp-vdivider    { width: 100%; height: 1px; }\n\t}\n\t<\/style>\n\t\r\n<p>Due to crowdfunding regulations, Crowdpear is legally required to publish audited financial statements. Investors can review these on <strong><a href=\"https:\/\/crowdpear.com\/annual-reports\/\" target=\"_blank\" rel=\"noopener\">this page<\/a><\/strong>.<\/p>\r\n<h4><span style=\"color: #000000;\"><strong>Profitability<\/strong><\/span><\/h4>\r\n<p class=\"\" data-start=\"144\" data-end=\"366\">In 2025, Crowdpear achieved a profit of EUR 267,215. This marks the second consecutive year of profitability (2024: EUR 152,126). Both revenue and net profit grew by 76% respectively, reflecting consistent and profitable growth with a stable margin (net margin around 30% in both years).<\/p>\r\n<h4>Balance Sheet<\/h4>\r\n<p>Crowdpear has consistently positive balance sheet metrics, pointing to a conservative growth trajectory. The equity ratio has more than doubled, from 10.5% to 26.6%, and both the debt ratio (2.8) and the liquidity ratio (1.4) sit within a stable range.<\/p>\r\n<hr \/>\r\n<h3><span style=\"color: #000000;\">Risk Assessment<\/span><\/h3>\r\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/12\/Crowdpear-Risiko-Bewertung.png\"><img decoding=\"async\" loading=\"lazy\" class=\"size-full wp-image-18640 alignleft lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/12\/Crowdpear-Risiko-Bewertung.png\" alt=\"crowdpear-review-risk-assessment\" width=\"400\" height=\"305\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/12\/Crowdpear-Risiko-Bewertung.png 400w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/12\/Crowdpear-Risiko-Bewertung-300x229.png 300w\" data-sizes=\"(max-width: 400px) 100vw, 400px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 400px; --smush-placeholder-aspect-ratio: 400\/305;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"size-full wp-image-18640 alignleft\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/12\/Crowdpear-Risiko-Bewertung.png\" alt=\"crowdpear-review-risk-assessment\" width=\"400\" height=\"305\" srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/12\/Crowdpear-Risiko-Bewertung.png 400w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/12\/Crowdpear-Risiko-Bewertung-300x229.png 300w\" sizes=\"(max-width: 400px) 100vw, 400px\" \/><\/noscript><\/a>The loans offered on Crowdpear are 100% secured by first-rank mortgages. In case of payment difficulties or defaults, the sale should protect the investment. According to its own information, the platform only finances loans at a loan-to-value (LTV) of up to 80%.<\/p>\r\n<p>To minimise the risk of loan defaults, Crowdpear follows a set of regulatory requirements that dictate how risks associated with loan projects must be assessed. This includes that the platform only works with real estate appraisers officially approved by the regulatory authority in the context of real estate appraisals.<\/p>\r\n<p>In addition, the property valuations are checked by internal risk managers. For this purpose, Crowdpear obtains a range of data and information from public registers and databases to check the borrower&#8217;s history, creditworthiness, or reputation.<\/p>\r\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/12\/Crowdpear-Erfahrungen-Risiko.png\"><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-18626 lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/12\/Crowdpear-Erfahrungen-Risiko.png\" alt=\"crowdpear-review-risk\" width=\"1000\" height=\"223\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/12\/Crowdpear-Erfahrungen-Risiko.png 1000w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/12\/Crowdpear-Erfahrungen-Risiko-300x67.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/12\/Crowdpear-Erfahrungen-Risiko-768x171.png 768w\" data-sizes=\"(max-width: 1000px) 100vw, 1000px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 1000px; --smush-placeholder-aspect-ratio: 1000\/223;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-18626\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/12\/Crowdpear-Erfahrungen-Risiko.png\" alt=\"crowdpear-review-risk\" width=\"1000\" height=\"223\" srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/12\/Crowdpear-Erfahrungen-Risiko.png 1000w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/12\/Crowdpear-Erfahrungen-Risiko-300x67.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/12\/Crowdpear-Erfahrungen-Risiko-768x171.png 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/noscript><\/a><\/p>\r\n<p>Once all the necessary documentation has been gathered and all the data has been verified, Crowdpear&#8217;s internal credit committee makes a final decision on the financing of the project.<\/p>\r\n<hr \/>\r\n<h2><strong>Advantages and Disadvantages<\/strong><\/h2>\r\n<p>In this section, I have listed the most important advantages and disadvantages of Crowdpear.<\/p>\r\n\n    <div style=\"border:1px solid #c8c8c8;border-radius:8px;overflow:hidden;margin:1.5rem 0;background:#ffffff;box-shadow:0 2px 8px rgba(0,0,0,0.10);\">\n      <div style=\"background:#f7f7f7;padding:14px 20px;border-bottom:1px solid #e0e0e0;\">\n        <div style=\"display:flex;align-items:center;gap:10px;\">\n          <div style=\"width:4px;height:20px;background:#0aad27;border-radius:2px;flex-shrink:0;\"><\/div>\n          <span style=\"font-weight:700;\">Advantages<\/span>\n        <\/div>\n      <\/div>\n      <div style=\"padding:12px 20px 16px;\">\r\n\n    <div style=\"display:flex;gap:10px;align-items:flex-start;padding:8px 0;border-top:none;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u2705<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\"><strong>Track Record:<\/strong> Operational since 2023<\/span>\n    <\/div>\r\n\n    <div style=\"display:flex;gap:10px;align-items:flex-start;padding:8px 0;border-top:1px solid #f0f0f0;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u2705<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\"><strong>Regulation:<\/strong> License holder under the EU Crowdfunding Regulation (ECSP)<\/span>\n    <\/div>\r\n\n    <div style=\"display:flex;gap:10px;align-items:flex-start;padding:8px 0;border-top:1px solid #f0f0f0;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u2705<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\"><strong>Investor Funds:<\/strong> Legally supervised separation of investor and company funds<\/span>\n    <\/div>\r\n\n    <div style=\"display:flex;gap:10px;align-items:flex-start;padding:8px 0;border-top:1px solid #f0f0f0;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u2705<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\"><strong>Portfolio Quality:<\/strong> Sustainably low default rate (&lt; 5%)<\/span>\n    <\/div>\r\n\n    <div style=\"display:flex;gap:10px;align-items:flex-start;padding:8px 0;border-top:1px solid #f0f0f0;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u2705<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\"><strong>Losses:<\/strong> No capital losses for investors on the platform to date<\/span>\n    <\/div>\r\n\n    <div style=\"display:flex;gap:10px;align-items:flex-start;padding:8px 0;border-top:1px solid #f0f0f0;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u2705<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\"><strong>Liquidity:<\/strong> Secondary market, short maturities or early exit possible<\/span>\n    <\/div>\r\n\n    <div style=\"display:flex;gap:10px;align-items:flex-start;padding:8px 0;border-top:1px solid #f0f0f0;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u2705<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\"><strong>Costs:<\/strong> No fees or costs for investors<\/span>\n    <\/div>\r\n<\/div>\n    <\/div>\r\n\n    <div style=\"border:1px solid #c8c8c8;border-radius:8px;overflow:hidden;margin:1.5rem 0;background:#ffffff;box-shadow:0 2px 8px rgba(0,0,0,0.10);\">\n      <div style=\"background:#f7f7f7;padding:14px 20px;border-bottom:1px solid #e0e0e0;\">\n        <div style=\"display:flex;align-items:center;gap:10px;\">\n          <div style=\"width:4px;height:20px;background:#cc3300;border-radius:2px;flex-shrink:0;\"><\/div>\n          <span style=\"font-weight:700;\">Disadvantages<\/span>\n        <\/div>\n      <\/div>\n      <div style=\"padding:12px 20px 16px;\">\r\n\n    <div style=\"display:flex;gap:10px;align-items:flex-start;padding:8px 0;border-top:none;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u26a0\ufe0f<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\"><strong>Auto Invest:<\/strong> No option to invest money automatically<\/span>\n    <\/div>\r\n\n    <div style=\"display:flex;gap:10px;align-items:flex-start;padding:8px 0;border-top:1px solid #f0f0f0;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u26a0\ufe0f<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\"><strong>Supply:<\/strong> Limited supply of new loans<\/span>\n    <\/div>\r\n\n    <div style=\"display:flex;gap:10px;align-items:flex-start;padding:8px 0;border-top:1px solid #f0f0f0;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u26a0\ufe0f<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\"><strong>Withholding Taxes:<\/strong> Withholding taxes are retained for private investors<\/span>\n    <\/div>\r\n<\/div>\n    <\/div>\r\n<hr \/>\r\n<h2><span style=\"color: #000000;\"><strong>Summary Crowdpear Review<\/strong><\/span><\/h2>\r\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/09\/Crowdpear-Erfahrungen-2024-Crowdpear-Review-2024.jpg\"><img decoding=\"async\" loading=\"lazy\" class=\"alignleft wp-image-23371 lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/09\/Crowdpear-Erfahrungen-2024-Crowdpear-Review-2024.jpg\" alt=\"Crowdpear-Review-2024\" width=\"400\" height=\"543\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/09\/Crowdpear-Erfahrungen-2024-Crowdpear-Review-2024.jpg 500w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/09\/Crowdpear-Erfahrungen-2024-Crowdpear-Review-2024-221x300.jpg 221w\" data-sizes=\"(max-width: 400px) 100vw, 400px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 400px; --smush-placeholder-aspect-ratio: 400\/543;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"alignleft wp-image-23371\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/09\/Crowdpear-Erfahrungen-2024-Crowdpear-Review-2024.jpg\" alt=\"Crowdpear-Review-2024\" width=\"400\" height=\"543\" srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/09\/Crowdpear-Erfahrungen-2024-Crowdpear-Review-2024.jpg 500w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/09\/Crowdpear-Erfahrungen-2024-Crowdpear-Review-2024-221x300.jpg 221w\" sizes=\"(max-width: 400px) 100vw, 400px\" \/><\/noscript><\/a>What is the final verdict of my Crowdpear review?<\/p>\r\n<p>Crowdpear is a young and ambitious P2P platform, which already offers a great framework for long-term success: A regulated environment, loans with competitive interest rates and an experienced team in the background that has a proven track record of successfully managing a mortgage-backed portfolio in the past.<\/p>\r\n<p>The quality of the loan portfolio is outstanding so far, as there have been hardly any delays and only two defaults (as of September 2024), which are currently being recovered. In this regard, the handling of the first defaults and first recoveries will therefore be interesting to observe.<\/p>\r\n<p>In terms of loan supply, investors need to be a bit patient due to the small number of loans avialbale.<\/p>\r\n<p>Anyone who is looking for a regulated P2P platform with property-backed loans should definitely consider Crowdpear as an addition to their P2P portfolio.<\/p>\r\n\r\n<hr \/>\r\n<h3><span style=\"color: #000000;\"><strong>Crowdpear Alternatives<\/strong><\/span><\/h3>\r\n<p>Already invested in Crowdpear? Or looking for similar platforms? Here are three Crowdpear alternatives from the P2P market.<\/p>\r\n<p><strong>Profitus:<\/strong> A regulated P2P marketplace based in Lithuania. Focus on mortgage-secured real estate loans. Like Crowdpear, Profitus concentrates on the Lithuanian home market and targets investors that are looking to combine strong loan collateral with competitive returns. More information in my <a href=\"https:\/\/rethink-p2p.de\/en\/profitus-review\/\" target=\"_blank\" rel=\"noopener\"><strong>Profitus review<\/strong><\/a>.<\/p>\r\n<p><strong>PeerBerry:<\/strong> Crowdpear is a spin-off of PeerBerry and was built by the same team. For those not yet familiar with the parent platform: PeerBerry is a P2P marketplace incorporated in Croatia, working closely with partners from within the Aventus Group and standing out through a notably strong performance during times of crisis. More information in my <a href=\"https:\/\/rethink-p2p.de\/en\/peerberry-review\/\" target=\"_blank\" rel=\"noopener\"><strong>PeerBerry review<\/strong><\/a>.<\/p>\r\n<p><strong>InRento:<\/strong> A regulated crowdfunding marketplace from Lithuania that is specialised in rental properties. Similar to Crowdpear, InRento targets investors that are looking to diversify their portfolio with real estate-backed loans, with the added benefit of regular monthly interest payments. More information in my <a href=\"https:\/\/rethink-p2p.de\/en\/inrento-review\/\" target=\"_blank\" rel=\"noopener\"><strong>InRento review<\/strong><\/a>.\u00a0<\/p>\r\n<p>You can find other Crowdpear alternatives on the <a href=\"https:\/\/rethink-p2p.de\/en\/p2p-platform-comparison\/\" target=\"_blank\" rel=\"noopener noreferrer\"><strong>P2P Platform Comparison<\/strong><\/a> page.<\/p>\r\n<hr \/>\r\n<div class=\"su-tabs su-tabs-style-default su-tabs-mobile-stack\" data-active=\"1\" data-scroll-offset=\"0\" data-anchor-in-url=\"no\"><div class=\"su-tabs-nav\"><span class=\"\" data-url=\"\" data-target=\"blank\" tabindex=\"0\" role=\"button\"><strong>Affiliate Links \/ Conflict of Interest<\/strong><\/span><span class=\"\" data-url=\"\" data-target=\"blank\" tabindex=\"0\" role=\"button\"><strong>Disclaimer<\/strong><\/span><\/div><div class=\"su-tabs-panes\"><div class=\"su-tabs-pane su-u-clearfix su-u-trim\" data-title=\"&lt;strong&gt;Affiliate Links \/ Conflict of Interest&lt;\/strong&gt;\">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 \u201c<a href=\"https:\/\/rethink-p2p.de\/en\/p2p-portfolio\/\" target=\"_blank\" rel=\"noopener\"><strong>P2P Portfolio<\/strong><\/a>\u201d page.<\/div>\n<div class=\"su-tabs-pane su-u-clearfix su-u-trim\" data-title=\"&lt;strong&gt;Disclaimer&lt;\/strong&gt;\">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 <a href=\"https:\/\/rethink-p2p.de\/en\/disclaimer\/\" target=\"_blank\" rel=\"noopener\"><strong>disclaimer<\/strong><\/a>.<\/div><\/div><\/div>\r\n<hr \/>\r\n<h2>FAQ Crowdpear Review<\/h2>\r\n\r\n<div class=\"schema-faq wp-block-yoast-faq-block\">\r\n<div id=\"faq-question-1677165362572\" class=\"schema-faq-section\"><strong class=\"schema-faq-question\">\u2705 What is Crowdpear and how does the real estate crowdfunding platform work?<\/strong>\r\n<p class=\"schema-faq-answer\">Crowdpear is a Lithuania-based platform regulated under the European Crowdfunding Service Providers (ECSP) regulation, where investors can invest in mortgage-backed real estate loans from Lithuania and achieve double-digit returns.<\/p>\r\n<\/div>\r\n<div id=\"faq-question-1682350539988\" class=\"schema-faq-section\"><strong class=\"schema-faq-question\">\u2705 Who can invest on Crowdpear and what are the requirements?<\/strong>\r\n<p class=\"schema-faq-answer\">Both natural and legal persons can register on Crowdpear. To register as a natural person, investors must meet two requirements: a minimum age of 18 years and residency in the European Union or the European Economic Area.<\/p>\r\n<\/div>\r\n<div id=\"faq-question-1677165368596\" class=\"schema-faq-section\"><strong class=\"schema-faq-question\">\u2705 What returns and interest rates does Crowdpear offer?<\/strong>\r\n<p class=\"schema-faq-answer\">The expected return on Crowdpear is advertised with up to 14% ROI. The average interest rate typically ranges between 10% and 11%. Taking into account cashback and bonus campaigns, as well as defaulted loans, an expected return between 9% and 11% appears to be realistic.<\/p>\r\n<\/div>\r\n<div id=\"faq-question-1677165382405\" class=\"schema-faq-section\"><strong class=\"schema-faq-question\">\u2705 Does Crowdpear offer a buyback guarantee or a secondary market?<\/strong>\r\n<p class=\"schema-faq-answer\">A buyback guarantee is extremely rare among real estate platforms that offer collateral as security. Crowdpear does not offer any form of buyback guarantee either. However, Crowdpear does have a secondary market, where loans can be sold early at a premium or at a discount. Sellers are charged a 2% transaction fee.<\/p>\r\n<\/div>\r\n<\/div>\r\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":36668,"parent":0,"menu_order":0,"comment_status":"open","ping_status":"closed","template":"template-centered.php","meta":[],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v21.8.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Crowdpear Review 2026: Up to 14% at PeerBerry Spin-Off?<\/title>\n<meta name=\"description\" content=\"Crowdpear Review 2026: Up to 14% on PeerBerry Spin-Off? Crowdpear Deep Dive Analysis including ALL RISKS! \u271a 1% Sign Up Bonus!\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/rethink-p2p.de\/en\/crowdpear-review\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Crowdpear Review 2026: Up to 14% at PeerBerry Spin-Off?\" \/>\n<meta property=\"og:description\" content=\"Crowdpear Review 2026: Up to 14% on PeerBerry Spin-Off? Crowdpear Deep Dive Analysis including ALL RISKS! \u271a 1% Sign Up Bonus!\" \/>\n<meta property=\"og:url\" content=\"https:\/\/rethink-p2p.de\/en\/crowdpear-review\/\" \/>\n<meta property=\"og:site_name\" content=\"re:think P2P\" \/>\n<meta property=\"article:publisher\" content=\"http:\/\/fb.me\/rethinkp2p\" \/>\n<meta property=\"article:modified_time\" content=\"2026-09-28T15:42:11+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/07\/Crowdpear-Review-P2P-Lending-2026-.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"800\" \/>\n\t<meta property=\"og:image:height\" content=\"200\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"16 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":[\"WebPage\",\"FAQPage\"],\"@id\":\"https:\/\/rethink-p2p.de\/en\/crowdpear-review\/\",\"url\":\"https:\/\/rethink-p2p.de\/en\/crowdpear-review\/\",\"name\":\"Crowdpear Review 2026: Up to 14% at PeerBerry Spin-Off?\",\"isPartOf\":{\"@id\":\"https:\/\/rethink-p2p.de\/en\/#website\"},\"datePublished\":\"2023-02-23T05:00:00+00:00\",\"dateModified\":\"2026-09-28T15:42:11+00:00\",\"description\":\"Crowdpear Review 2026: Up to 14% on PeerBerry Spin-Off? 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