{"id":16089,"date":"2021-03-30T06:00:00","date_gmt":"2021-03-30T04:00:00","guid":{"rendered":"https:\/\/rethink-p2p.de\/crowdestor-erfahrungen-2023-finger-weg-von-dieser-plattform\/"},"modified":"2026-09-28T17:41:01","modified_gmt":"2026-09-28T15:41:01","slug":"crowdestor-review","status":"publish","type":"page","link":"https:\/\/rethink-p2p.de\/en\/crowdestor-review\/","title":{"rendered":"Crowdestor Review 2026"},"content":{"rendered":"<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;\">Crowdestor is an Estonian crowdfunding platform, founded in December 2017, on which investors can invest in business loans from a variety of sectors. The platform advertises an average return of around 20%.<\/span>\n    <\/div>\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;\">Only 26% of the outstanding loan portfolio is in scheduled repayment. 55% are in arrears and 19% are already in recovery. Based on these figures, a diversified investment will inevitably lead to capital losses.<\/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;\">The platform is not regulated, does not publish audited financial reports and barely communicates about defaulted loans. There is no deposit protection and no proper segregation of investor and company funds.<\/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;\">Multiple conflicts of interest between the shareholder and borrowers, combined with barely verifiable recovery results, complete the negative overall picture. Investment is clearly not recommended.<\/span>\n    <\/div><\/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:#fdf5f5;border:1px solid #d64545;\">\n      <div class=\"rtp-sitg-body\">\n        <div class=\"rtp-sitg-title\">Skin in the Game<\/div>\n        <p class=\"rtp-sitg-text\">I have never been invested in Crowdestor with my own funds. Based on the platform&#039;s current risk profile, I advise against investing. This article is therefore deliberately not promoted through affiliate links.<\/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<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_67_1 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title \" >Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 eztoc-toggle-hide-by-default' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/rethink-p2p.de\/en\/crowdestor-review\/#What_is_Crowdestor\" title=\"What is Crowdestor?\">What is Crowdestor?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/rethink-p2p.de\/en\/crowdestor-review\/#Shareholder_and_Management\" title=\"Shareholder and Management\">Shareholder and Management<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/rethink-p2p.de\/en\/crowdestor-review\/#Investing_on_Crowdestor\" title=\"Investing on Crowdestor\">Investing on Crowdestor<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/rethink-p2p.de\/en\/crowdestor-review\/#Crowdestor_Taxes\" title=\"Crowdestor Taxes\">Crowdestor Taxes<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/rethink-p2p.de\/en\/crowdestor-review\/#Crowdestor_Risks\" title=\"Crowdestor Risks\">Crowdestor Risks<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/rethink-p2p.de\/en\/crowdestor-review\/#Summary_Crowdestor_Review_2025\" title=\"Summary Crowdestor Review 2025\">Summary Crowdestor Review 2025<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/rethink-p2p.de\/en\/crowdestor-review\/#FAQ_Crowdestor_Review\" title=\"FAQ Crowdestor Review\">FAQ Crowdestor Review<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"What_is_Crowdestor\"><\/span><span style=\"color: #000000;\"><strong>What is <\/strong><\/span><strong>Crowdestor?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\r\n<p><a href=\"https:\/\/rethink-p2p.de\/crowdestor-erfahrungen\/\" target=\"_blank\" rel=\"noopener\"><img decoding=\"async\" loading=\"lazy\" class=\"size-full wp-image-12122 alignleft lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2022\/09\/Crowdestor-Bonus.jpg\" alt=\"crowdestor-bonus\" 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-12122 alignleft\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2022\/09\/Crowdestor-Bonus.jpg\" alt=\"crowdestor-bonus\" width=\"300\" height=\"169\" \/><\/noscript><\/a><\/p>\r\n<p>Crowdestor is an Estonian-based crowdfunding platform founded in December 2017, where investors can fund a variety of business loans from different sectors, while earning an average return of 20.35% (according to the platform).<\/p>\r\n<p>The interest rates of the projects offered on Crowdestor are just as high as the default rates, which is well illustrating the connection between high returns and high risk.<\/p>\r\n<h3 class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\"><strong>Crowdestor 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 Crowdestor 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>December 2017<\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>Legal Name:<\/strong><\/td>\r\n<td>Crowdestor O\u00dc (<a href=\"https:\/\/ariregister.rik.ee\/est\/company\/14388462\/CROWDESTOR-O%C3%9C?search_id=ab5317d&amp;pos=2\" target=\"_blank\" rel=\"noopener\"><strong>LINK<\/strong><\/a>)<\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>Headquarter:<\/strong><\/td>\r\n<td>Tallinn, Estonia<\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>Regulated:<\/strong><\/td>\r\n<td>No<\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>CEO:<\/strong><\/td>\r\n<td><a href=\"https:\/\/www.linkedin.com\/in\/j%C4%81nis-timma-49b86b16\/\" target=\"_blank\" rel=\"noopener\"><strong>J\u0101nis Timma<\/strong><\/a> (December 2017)<\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>Assets Under Management:<\/strong><\/td>\r\n<td>EUR 40+ million<\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>Number of Investors:<\/strong><\/td>\r\n<td>27,000+<\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>Expected Return:<\/strong><\/td>\r\n<td>19.7%<\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>Risk Score:<\/strong><\/td>\r\n<td>1.8 \/ 10 (Rank 27 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>Business Loans<\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>Collateral:<\/strong><\/td>\r\n<td>No<\/td>\r\n<\/tr>\r\n<\/tbody>\r\n<\/table>\r\n<\/div>\r\n<h3><strong>The Origin Story<\/strong><\/h3>\r\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/03\/Crowdestor-CEO-Janis-Timma.png\"><img decoding=\"async\" loading=\"lazy\" class=\"size-full wp-image-14909 alignleft lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/03\/Crowdestor-CEO-Janis-Timma.png\" alt=\"crowdestor-review-ceo\" width=\"300\" height=\"301\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/03\/Crowdestor-CEO-Janis-Timma.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/03\/Crowdestor-CEO-Janis-Timma-150x150.png 150w\" data-sizes=\"(max-width: 300px) 100vw, 300px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 300px; --smush-placeholder-aspect-ratio: 300\/301;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"size-full wp-image-14909 alignleft\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/03\/Crowdestor-CEO-Janis-Timma.png\" alt=\"crowdestor-review-ceo\" width=\"300\" height=\"301\" srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/03\/Crowdestor-CEO-Janis-Timma.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/03\/Crowdestor-CEO-Janis-Timma-150x150.png 150w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><\/noscript><\/a><\/p>\r\n<p>Crowdestor was founded in 2017 by the two Latvians, Janis Timma (CEO) and Gunars Udris, who had known each other since their school days. Janis Timma was the driving force behind the idea of founding a crowdfunding platform, having previously worked for 8 years in a law firm in the field of mergers &amp; acquisitions.<\/p>\r\n<p>Through his focus on the energy sector, where he also leads a company as chairman (Eco Energy Riga), he recognised the lack of equity capital in many projects, so he wanted to close the financing gap with his own platform. The idea of Crowdestor was born.<\/p>\r\n<h3>Business Model<\/h3>\r\n<p>How does Crowdestor earn money? Crowdestor earns its money through different fees charged to borrowers. According to the website, the revenue is divided into the following aspects:<\/p>\r\n<ul>\r\n<li>3+% commission and arrangement fee<\/li>\r\n<li>2% restructuring and renewal fee<\/li>\r\n<li>0.1% administration fee<\/li>\r\n<li>10% to 14% realisation fee<\/li>\r\n<\/ul>\r\n<p><a style=\"font-size: inherit; font-family: var(--text-font);\" href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/03\/Crowdestor-Erfahrungen-Monetarisierung.png\"><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-14911 lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/03\/Crowdestor-Erfahrungen-Monetarisierung.png\" alt=\"crowdestor-review-2023-p2p\" width=\"1000\" height=\"296\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/03\/Crowdestor-Erfahrungen-Monetarisierung.png 1000w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/03\/Crowdestor-Erfahrungen-Monetarisierung-300x89.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/03\/Crowdestor-Erfahrungen-Monetarisierung-768x227.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\/296;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-14911\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/03\/Crowdestor-Erfahrungen-Monetarisierung.png\" alt=\"crowdestor-review-2023-p2p\" width=\"1000\" height=\"296\" srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/03\/Crowdestor-Erfahrungen-Monetarisierung.png 1000w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/03\/Crowdestor-Erfahrungen-Monetarisierung-300x89.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/03\/Crowdestor-Erfahrungen-Monetarisierung-768x227.png 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/noscript><\/a><\/p>\r\n<h3 data-pm-slice=\"1 1 []\">Crowdestor 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 Crowdestor 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\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><span class=\"ez-toc-section\" id=\"Shareholder_and_Management\"><\/span>Shareholder and Management<span class=\"ez-toc-section-end\"><\/span><\/h2>\r\n<p>Who are the main shareholders and management executives behind Crowdestor? Let&#8217;s have a look!<\/p>\r\n<h3><strong>Crowdestor <\/strong><span style=\"color: #000000;\"><strong>Shareholder<\/strong><\/span><\/h3>\r\n<p>Who owns Crowdestor? In the Estonian company register, Janis Timma is listed as the sole shareholder of <a href=\"https:\/\/ariregister.rik.ee\/est\/company\/14388462\/CROWDESTOR-O%C3%9C?search_id=ab5317d&amp;pos=2&amp;active_tab=register\" target=\"_blank\" rel=\"noopener\"><strong>Crowdestor O\u00dc<\/strong><\/a>. There are no other partners or shareholders.<\/p>\r\n<h3><strong>Crowdestor Management<\/strong><\/h3>\r\n<p>Janis Timma is the CEO and the face of Crowdestor. Born in Latvia, Timma first worked for a number of auditors (PwC, BDO) after studying financial management. During this time he built up his own companies in the energy sector (Heat and Power Plant Association of Latvia, Eco Energy Riga). In 2017, he founded the P2P platform Crowdestor, of which he is still CEO today.<\/p>\r\n<hr \/>\r\n<h2><span class=\"ez-toc-section\" id=\"Investing_on_Crowdestor\"><\/span><strong>Investing on Crowdestor<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\r\n<p>How does Crowdestor work and what should investors know and consider when investing on the plaform? In the following sections of my Crowdestor review you will find all the necessary information that you need.<\/p>\r\n<h3><strong>Loan Offering<\/strong><\/h3>\r\n<p>On Crowdestor, the loan projects are divided into three segments:<\/p>\r\n<ul>\r\n<li><strong>SME Loans:<\/strong> These are loans of up to a maximum of EUR 200,000 that are granted to small and medium-sized enterprises. These loans are usually secured by a personal guarantee of the borrower.\u00df<\/li>\r\n<li><strong>Specialised Projects:<\/strong> These are special projects from the energy sector, forestry, show business or the entertainment industry. These loans are usually secured by a commercial lien on the business assets or intellectual property copyrights.<\/li>\r\n<li><strong>Real Estate Projects:<\/strong> These loans are relatively self-explanatory. They are usually secured by a first-rank mortgage. Amortisation occurs towards the end of the term.<\/li>\r\n<\/ul>\r\n<p><strong style=\"color: revert; 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 the most important functions when using Crowdestor. Both deposits and withdrawals are free, as is investing on the platform itself. Only when using the secondary market, where projects can be bought and sold, sellers pay a 2% transaction fee.<\/p>\r\n<h3><strong>Expected Returns<\/strong><\/h3>\r\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/02\/Crowdestor-Erfahrungen-Rendite-P2P-Kredite.png\"><img decoding=\"async\" loading=\"lazy\" class=\"size-full wp-image-19447 alignleft lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/02\/Crowdestor-Erfahrungen-Rendite-P2P-Kredite.png\" alt=\"crowdestor-review-returns-p2p\" width=\"400\" height=\"405\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/02\/Crowdestor-Erfahrungen-Rendite-P2P-Kredite.png 400w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/02\/Crowdestor-Erfahrungen-Rendite-P2P-Kredite-296x300.png 296w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/02\/Crowdestor-Erfahrungen-Rendite-P2P-Kredite-70x70.png 70w\" data-sizes=\"(max-width: 400px) 100vw, 400px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 400px; --smush-placeholder-aspect-ratio: 400\/405;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"size-full wp-image-19447 alignleft\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/02\/Crowdestor-Erfahrungen-Rendite-P2P-Kredite.png\" alt=\"crowdestor-review-returns-p2p\" width=\"400\" height=\"405\" srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/02\/Crowdestor-Erfahrungen-Rendite-P2P-Kredite.png 400w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/02\/Crowdestor-Erfahrungen-Rendite-P2P-Kredite-296x300.png 296w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/02\/Crowdestor-Erfahrungen-Rendite-P2P-Kredite-70x70.png 70w\" sizes=\"(max-width: 400px) 100vw, 400px\" \/><\/noscript><\/a>On its website, Crowdestor advertises an average expected return of around 20%. To achieve this return is extremely questionable, considering the poor performance of the loan portfolio.<\/p>\r\n<p>It is certainly possible to achieve an above-average return, provided one has selected the right loans.<\/p>\r\n<p>However, a look at the statistics makes it clear that broad diversification should not lead to a positive return.<\/p>\r\n<p>Of the 340 loans in the current outstanding loan portfolio, only 26% are being repaid according to schedule. 55% are in delay, the majority of which are 90+ days. 19%, on the other hand, are already in the recovery process.<\/p>\r\n<p><a style=\"font-size: inherit; font-family: var(--text-font);\" href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/03\/Crowdestor-Erfahrungen-Rendite.png\"><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-14913 lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/03\/Crowdestor-Erfahrungen-Rendite.png\" alt=\"crowdestor-review-expected-return\" width=\"1000\" height=\"250\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/03\/Crowdestor-Erfahrungen-Rendite.png 1000w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/03\/Crowdestor-Erfahrungen-Rendite-300x75.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/03\/Crowdestor-Erfahrungen-Rendite-768x192.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\/250;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-14913\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/03\/Crowdestor-Erfahrungen-Rendite.png\" alt=\"crowdestor-review-expected-return\" width=\"1000\" height=\"250\" srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/03\/Crowdestor-Erfahrungen-Rendite.png 1000w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/03\/Crowdestor-Erfahrungen-Rendite-300x75.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/03\/Crowdestor-Erfahrungen-Rendite-768x192.png 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/noscript><\/a><\/p>\r\n<p>Based on these figures, an average expected return of 20% seems absolutely delusional.<\/p>\r\n<p><strong style=\"color: #000000; font-size: 1.5rem; font-family: var(--text-font);\">Crowdestor Auto Invest<\/strong><\/p>\r\n<p>Since 2021, Crowdestor also offers an Auto Invest feature. For many years, the company had refrained from doing so because a) they wanted to encourage investors to take a closer look at the loans and b) because many projects might not have been financed otherwise. However, since demand has remained consistently high, the company finally gave in to investors&#8217; wishes.<\/p>\r\n<p>At Crowdestor, you can invest in loans starting at EUR 50.<\/p>\r\n<h3><span id=\"Gibt_es_eine_VIANIVEST_Rueckkaufgarantie\" style=\"color: #000000;\"><strong>Provision Fund<\/strong><\/span><\/h3>\r\n<p>There is no buyback guarantee on Crowdestor. However, the company has set up a Provision Fund (formerly: Buyback Fund) to absorb credit losses. The way it works is that Crowdestor independently invests 0.5% of the loan amount into the fund.<\/p>\r\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/02\/Crowdestor-Erfahrungen-Provision-Fund.png\"><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-19449 lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/02\/Crowdestor-Erfahrungen-Provision-Fund.png\" alt=\"crowdestor-review-provision-fund\" width=\"1000\" height=\"202\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/02\/Crowdestor-Erfahrungen-Provision-Fund.png 1000w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/02\/Crowdestor-Erfahrungen-Provision-Fund-300x61.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/02\/Crowdestor-Erfahrungen-Provision-Fund-768x155.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\/202;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-19449\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/02\/Crowdestor-Erfahrungen-Provision-Fund.png\" alt=\"crowdestor-review-provision-fund\" width=\"1000\" height=\"202\" srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/02\/Crowdestor-Erfahrungen-Provision-Fund.png 1000w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/02\/Crowdestor-Erfahrungen-Provision-Fund-300x61.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/02\/Crowdestor-Erfahrungen-Provision-Fund-768x155.png 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/noscript><\/a><\/p>\r\n<p>Investors can track the <a href=\"https:\/\/crowdestor.com\/de\/page\/provision-fund\" target=\"_blank\" rel=\"noopener\"><strong>status of the Provision Fund<\/strong><\/a> on the website. However, investors should be prepared that they have to bear 100% of the credit default risk themselves.<\/p>\r\n<hr \/>\r\n<h2><span class=\"ez-toc-section\" id=\"Crowdestor_Taxes\"><\/span><strong>Crowdestor Taxes<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\r\n<p>Generally, interest income generated by loan financing is considered investment income and thus must be declared as such in the tax return. Crowdestor does not withhold taxes at the moment.<\/p>\r\n<p>Investors can download tax reports for their tax returns via the main menu under &#8220;Profile&#8221;.<\/p>\r\n<hr \/>\r\n<h2><span class=\"ez-toc-section\" id=\"Crowdestor_Risks\"><\/span>Crowdestor Risks<span class=\"ez-toc-section-end\"><\/span><\/h2>\r\n<p>Investors should look very 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 Crowdestor? Where are the underlying risks and how are they assessed?<\/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 28 of 31<\/div>\n    <\/div>\n    <div class=\"ss-head-right\">\n      <span class=\"ss-score\" style=\"color:#E24B4A\">1.8<\/span>\n      <span class=\"ss-of10\">\/ 10<\/span>\n      <span class=\"ss-pill ss-pill--high\">High 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>\n      <span class=\"ss-cat-pts\">0 \/ 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>\n      <span class=\"ss-cat-pts\">0 \/ 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>\n      <span class=\"ss-cat-pts\">0 \/ 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:40%\"><\/div><\/div>\n      <span class=\"ss-cat-pts\">10 \/ 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--bad\">-7<\/span><\/span>\n      <span class=\"ss-rf-chevron\"><\/span>\n    <\/summary>\n    <div class=\"ss-rf-body\">\n      <div class=\"ss-rf-cluster\">\n        <div class=\"ss-rf-cluster-title\">Cluster B: Misrepresentation &amp; Lack of Transparency <span class=\"ss-rf-cluster-pts\">(-7)<\/span><\/div>\n        <div class=\"ss-rf-item\">Unrealistic return promises <span class=\"ss-rf-pts\">-7<\/span><\/div>\n      <\/div>\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<h3><strong>Financial Stability<\/strong><\/h3>\r\n<p>The financial stability of a P2P platform is a key risk factor. Is Crowdestor already able to operate profitably? And how well is the company positioned financially?<\/p>\r\n<h4><strong>Profitability<\/strong><\/h4>\r\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/02\/Crowdestor-Erfahrungen-Profitabilitat.png\"><img decoding=\"async\" loading=\"lazy\" class=\"size-full wp-image-19445 alignleft lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/02\/Crowdestor-Erfahrungen-Profitabilitat.png\" alt=\"crowdestor-review-profitability\" width=\"500\" height=\"320\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/02\/Crowdestor-Erfahrungen-Profitabilitat.png 500w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/02\/Crowdestor-Erfahrungen-Profitabilitat-300x192.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/02\/Crowdestor-Erfahrungen-Profitabilitat-360x230.png 360w\" data-sizes=\"(max-width: 500px) 100vw, 500px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 500px; --smush-placeholder-aspect-ratio: 500\/320;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"size-full wp-image-19445 alignleft\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/02\/Crowdestor-Erfahrungen-Profitabilitat.png\" alt=\"crowdestor-review-profitability\" width=\"500\" height=\"320\" srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/02\/Crowdestor-Erfahrungen-Profitabilitat.png 500w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/02\/Crowdestor-Erfahrungen-Profitabilitat-300x192.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/02\/Crowdestor-Erfahrungen-Profitabilitat-360x230.png 360w\" sizes=\"(max-width: 500px) 100vw, 500px\" \/><\/noscript><\/a>Is Crowdestor profitable? Crowdestor publishes annual reports for previous years on its website.<\/p>\r\n<p>However, these are neither prepared by an external auditor nor was the reporting carried out using IFRS methodology. The informative value of the platform&#8217;s financial situation is therefore severely limited.<\/p>\r\n<p>According to the annual report for 2022, the P2P platform generated revenue of EUR 232,000 (previous year: EUR 1 million). The loss in this period totalled EUR 646,000 (previous year: profit of EUR 75,000).<\/p>\r\n<hr \/>\r\n<h3><span style=\"color: #000000;\"><strong>Covid-19 Pandemic \/ Corona Crisis<\/strong><\/span><\/h3>\r\n<p>Borrowers on Crowdestor have been affected very badly by the Corona pandemic, with many of them unable to service their repayments due to a lack of revenue. After consultation with the affected Crowdestor investors, the company has decided to grant borrowers a three-month interest moratorium and to defer payments.<\/p>\r\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2021\/04\/crowdestor-erfahrungen-kreditportfolio-1024x91.jpg\"><img decoding=\"async\" loading=\"lazy\" class=\"alignnone wp-image-8767 size-large lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2021\/04\/crowdestor-erfahrungen-kreditportfolio-1024x91.jpg\" alt=\"crowdestor-review-p2p-loan-portfolio\" width=\"810\" height=\"72\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2021\/04\/crowdestor-erfahrungen-kreditportfolio-1024x91.jpg 1024w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2021\/04\/crowdestor-erfahrungen-kreditportfolio-300x27.jpg 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2021\/04\/crowdestor-erfahrungen-kreditportfolio-768x68.jpg 768w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2021\/04\/crowdestor-erfahrungen-kreditportfolio.jpg 1230w\" data-sizes=\"(max-width: 810px) 100vw, 810px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 810px; --smush-placeholder-aspect-ratio: 810\/72;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"alignnone wp-image-8767 size-large\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2021\/04\/crowdestor-erfahrungen-kreditportfolio-1024x91.jpg\" alt=\"crowdestor-review-p2p-loan-portfolio\" width=\"810\" height=\"72\" srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2021\/04\/crowdestor-erfahrungen-kreditportfolio-1024x91.jpg 1024w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2021\/04\/crowdestor-erfahrungen-kreditportfolio-300x27.jpg 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2021\/04\/crowdestor-erfahrungen-kreditportfolio-768x68.jpg 768w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2021\/04\/crowdestor-erfahrungen-kreditportfolio.jpg 1230w\" sizes=\"(max-width: 810px) 100vw, 810px\" \/><\/noscript><\/a><\/p>\r\n<p>However, many loans are still in default two years after the pandemic outbreak, so a number of capital losses are to be expected. On the positive side, Crowdestor made a much better effort to communicate more openly with its investors after the outbreak of the Covid 19 pandemic. However, this effect has subsequently failed to materialise.<\/p>\r\n<hr \/>\r\n<h3>Is Crowdestor a Safe P2P Platform?<\/h3>\r\n<p>In general, Crowdestor cannot be considered as a safe P2P platform. Here is an overview of the risks to be aware of:<\/p>\r\n<ul>\r\n<li>Crowdestor is not regulated, controlled or supervised by any supervisory authority. Obtaining an ECSP licence seems impossible at the current time.<\/li>\r\n<li>There is no proper segregation of investor and company funds. Misuse is theoretically possible.<\/li>\r\n<li>No deposit insurance. Total default is also a theoretical possibility.<\/li>\r\n<li>The platform advertises and promotes unrealistic returns.<\/li>\r\n<li>No audited business reports are published.<\/li>\r\n<li>The platform does not offer any communication on defaulted loan projects.<\/li>\r\n<li>The performance of the loan portfolio is extremely bad and, in addition, there are hardly any verifiable successes in recoveries.<\/li>\r\n<li>Frequent conflicts of interest between the shareholder and the borrowers.<\/li>\r\n<\/ul>\r\n<hr \/>\r\n<p><strong style=\"color: revert; font-size: 1.75rem; font-family: var(--text-font);\">Advantages and Disadvantages<\/strong><\/p>\r\n<p>In this section, I have listed the most important advantages and disadvantages of Crowdestor.<\/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;\"> \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>Returns:<\/strong> Above-average return potential when selecting the right loans<\/span>\n    <\/div> <\/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;\"> \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>Performance:<\/strong> Poor risk management by the platform regarding selection of borrowers<\/span>\n    <\/div> \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>Returns:<\/strong> Exaggerated return expectations that are not achievable<\/span>\n    <\/div> \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>Recoveries:<\/strong> Defaulted loans are barely or not recovered at all<\/span>\n    <\/div> \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>Conflicts of Interest:<\/strong> Overlaps between shareholders and borrowers<\/span>\n    <\/div> \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>Communication:<\/strong> No information for investors or updates on defaulted loans<\/span>\n    <\/div> \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>Transparency:<\/strong> No audited financial reports available<\/span>\n    <\/div> <\/div>\n    <\/div>\r\n<hr \/>\r\n<h2><span class=\"ez-toc-section\" id=\"Summary_Crowdestor_Review_2025\"><\/span><strong>Summary Crowdestor Review 2025<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\r\n<p>Crowdestor is neither suitable for conservative investors nor for newcomers.<\/p>\r\n<p>In theory, you can get an above-average return if you can distinguish good loans from bad loans in your due diligence.<\/p>\r\n<p>The fact that 75% of the Crowdestor portfolio is either delayed or in recovery illustrates that a diversified investment will inevitably lead to a loss of capital.<\/p>\r\n<p>The poor performance of the loan portfolio, conflicts of interest, lack of transparency and poor recovery quality are all arguments why investors should definitely keep their hands off Crowdestor.<\/p>\r\n<p>Although some projects sound quite exciting, the overall risk is not worth trusting your money to the platform.<\/p>\r\n<p>On <strong><a href=\"https:\/\/rethink-p2p.de\/en\/p2p-platform-comparison\/\" target=\"_blank\" rel=\"noopener\">this page<\/a><\/strong> you will find a variety of better P2P platforms to chose from.<\/p>\r\n<hr \/>\r\n<h3><strong>Crowdestor Alternatives<\/strong><\/h3>\r\n<p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\">Already invested in Crowdestor? Or looking for similar platforms? Here are three Crowdestor alternatives from the P2P market.<\/p>\r\n<p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\"><strong>Debitum:<\/strong> A regulated P2P marketplace based in Latvia with a focus on business loans. Compared to Crowdestor, Debitum stands out through significantly higher transparency, audited financial reports and a notably stronger loan portfolio performance. More information in my <a href=\"https:\/\/rethink-p2p.de\/en\/debitum-review\/\" target=\"_blank\" rel=\"noopener\"><strong>Debitum review<\/strong><\/a>.<\/p>\r\n<p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\"><strong>Income Marketplace:<\/strong> An unregulated P2P marketplace headquartered in Estonia, which markets itself through innovative security features that are designed to protect investors from underperforming loan originators. Attractive combination of high interest rates and high liquidity. More information in my <a href=\"https:\/\/rethink-p2p.de\/en\/income-marketplace-review\/\" target=\"_blank\" rel=\"noopener\"><strong>Income Marketplace review<\/strong><\/a>.<\/p>\r\n<p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\"><strong>Capitalia:<\/strong> A regulated P2P marketplace based in Latvia with a focus on business loans from the Baltic region. Similar to Crowdestor, Capitalia targets investors looking to finance SMEs. More transparent approach and a notably better loan portfolio performance.\u00a0<\/p>\r\n<p>You can find other Crowdestor alternatives in 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>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;Disclaimer&lt;\/strong&gt;\">Investments in P2P loans are subject to risks and can lead to a total loss of capital. Past performance is not an indicator of future results. All content is for informational purposes only and does not constitute investment advice. No liability is assumed for the accuracy of the following information, nor for any investment decisions that may be derived from it. 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><span class=\"ez-toc-section\" id=\"FAQ_Crowdestor_Review\"><\/span><strong>FAQ Crowdestor Review<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\r\n\r\n<div class=\"schema-faq wp-block-yoast-faq-block\">\r\n<div id=\"faq-question-1617722148852\" class=\"schema-faq-section\"><strong class=\"schema-faq-question\">\u2705 What is Crowdestor?<\/strong>\r\n<p class=\"schema-faq-answer\">Crowdestor is an Estonia-based crowdfunding platform founded in December 2017, where investors can invest in business loans across various sectors. The platform advertises an average return of around 20%, but is not regulated.<\/p>\r\n<\/div>\r\n<div id=\"faq-question-1617722171979\" class=\"schema-faq-section\"><strong class=\"schema-faq-question\">\u2705 Who owns Crowdestor?<\/strong>\r\n<p class=\"schema-faq-answer\">Crowdestor O\u00dc is 100% owned by co-founder and CEO Janis Timma. There are no other shareholders or stakeholders. Timma is also entrepreneurially active in the energy sector, which has occasionally led to conflicts of interest with borrowers on the platform.<\/p>\r\n<\/div>\r\n<div id=\"faq-question-1617722311392\" class=\"schema-faq-section\"><strong class=\"schema-faq-question\"><strong>\u2705 How is Crowdestor&#8217;s loan portfolio performing?<\/strong><\/strong>\r\n<p class=\"schema-faq-answer\">Very poorly. Of the outstanding loans, only 26% are being repaid on schedule. 55% are in arrears, the majority by more than 90 days. 19% are already in recovery. Based on these figures, a diversified investment will inevitably lead to capital losses.<\/p>\r\n<\/div>\r\n<div id=\"faq-question-1617722176199\" class=\"schema-faq-section\"><strong class=\"schema-faq-question\">\u2705 How does Crowdestor make money?<\/strong>\r\n<p class=\"schema-faq-answer\">Crowdestor earns revenue through fees charged to borrowers: 3% brokerage and intermediation fee, 2% restructuring fee, 0.1% management fee, and 10% to 14% recovery fee. The platform does not publish audited financial reports.<\/p>\r\n<\/div>\r\n<div id=\"faq-question-1774954144092\" class=\"schema-faq-section\"><strong class=\"schema-faq-question\">\u2705 Is investing on Crowdestor worthwhile?<\/strong>\r\n<p class=\"schema-faq-answer\">No. Due to the extremely poor portfolio performance, lack of regulation, insufficient transparency, and barely demonstrable recovery success, I strongly advise against investing on Crowdestor.<\/p>\r\n<\/div>\r\n<\/div>\r\n\r\n\r\n\r\n<p>.<\/p>\r\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":15644,"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>Crowdestor Review 2026: Hands Off From This P2P Platform!<\/title>\n<meta name=\"description\" content=\"Crowdestor Review: Hands Off From This P2P Platform! 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