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As a regulated real estate crowdfunding platform, Crowdestate provides investment opportunities to a broad range of investors, including newcomers and seasoned, accredited individuals. Our investor community is global, and we strive to make our platform accessible to investors from all corners of the world.

However, in compliance with international financial regulations and anti-money laundering measures, we must adhere to certain restrictions. This means that we cannot accept investors or investments from specific countries deemed high-risk. These countries currently include Kazakhstan, Uzbekistan, Kyrgyzstan, Turkey, the People’s Republic of China, Serbia, the United Arab Emirates, Russia, Belarus, Iran, the Democratic People’s Republic of Korea (DPRK), Myanmar (Burma), among others.

It's important to note that this list is not set in stone. We regularly review and update it to ensure we align with the most current international financial and anti-money laundering regulations. We greatly value your understanding and cooperation in helping us uphold the highest regulatory compliance standards.

Crowdestate AS, headquartered in Tallinn, Estonia, is a European real estate crowdfunding platform operating under the European Crowdfunding Regulation (EU 2020/1503) and licensed by the Estonian Financial Supervision Authority.

Crowdestate provides real estate investors with access to pre-vetted professional real estate investments along with the relevant background information necessary for making diligent investment decisions.

Real estate companies or developers are using Crowdestate's crowdfunding services to raise capital (both loans and equity) for their real estate projects.

Crowdestate ensures smooth investment and fundraising processes and takes care of its investors' investments until they are exited.

To ensure a seamless and pleasant investment experience, we kindly ask you to:

• Provide accurate information. Furnish us with your accurate and current personal details, including contact information. This is crucial for us to uphold financial regulations and anti-money laundering directives.
• Engage in diligent research. Take the initiative to investigate the crowdfunding opportunities presented thoroughly. This proactive approach ensures that your investments align with your strategic financial goals.
• Evaluate investment risks. Carefully consider the risks associated with each crowdfunding project. The level of risk must be congruent with your expectations for returns and personal risk tolerance.
• Diversify your portfolio. Spread your investments across various projects and regions. This strategy reduces the risk of over-concentration in any single investment and enhances your portfolio's resilience.
• Understand your contracts. Familiarise yourself with the terms and conditions of the investment contracts you will enter. Knowledge of these agreements is vital to a well-informed investment decision.

Crowdestate’s obligations to our investors are guided by the European Crowdfunding Service Providers’ Regulation (ECSPR). These obligations are integral to our operations and are embedded within our Terms and Conditions to ensure the utmost transparency and trust.

• Authorisation: As a regulated entity within the European Union, Crowdestate adheres to stringent standards and regulations, affirming our commitment to legal and ethical financial practices.
• Professional Conduct: Our ethos is to conduct business with integrity. We act honestly, fairly, and professionally, always putting the best interests of our clients at the forefront.
• Conflict of Interest: Crowdestate does not engage in practices that would unfairly influence investor decisions. We do not accept any reward for directing investors towards specific crowdfunding offers.
• Due Diligence: Investor protection is paramount. We conduct comprehensive due diligence on project owners and their crowdfunding initiatives to safeguard against potential fraud or project failure.
• Transparency: We believe in clear communication regarding investment risks and returns. Crowdestate consistently discloses loan default rates to give investors a transparent overview of their potential investments.
• Investor Assessment: Understanding the risks involved in crowdfunding is essential. We assess the capabilities of our investors to ensure they are well-informed about the crowdfunding investments.
• Reflection Period: Decision-making is an important process. We provide a mandatory pre-contractual reflection period, allowing investors ample time to contemplate their investment choices.
• Investor Protection: Our investor protection framework is robust, encompassing detailed information disclosure requirements for both project owners and Crowdestate itself, reinforcing our commitment to investor security.

Crowdestate AS is a regulated European crowdfunding service provider, license number 4.1-1/32, operating under the supervision of the Estonian Financial Supervision Authority. According to its crowdfunding service provider license, Crowdestate has the right to provide the following types of crowdfunding services:

1. The facilitation of granting of loans;
2. Placing without a firm commitment basis of transferable securities and admitted instruments for crowdfunding purposes and the reception and transmission of orders in relation to those transferable securities and admitted instruments.

Crowdestate AS has passported its European crowdfunding service provider license to all member states of the European Union.

Crowdestate AS is a regulated European payment institution, license number 4.1-1/82, operating under the supervision of the Estonian Financial Supervision Authority. According to its payment institution license, Crowdestate has the right to provide its customers with payment execution services, including the transfer of funds to payment accounts opened with Crowdestate (MERAS, Article 3, paragraph 1 point 3).

Crowdestate is a leading European real estate crowdfunding platform, licensed and supervised by the Estonian Financial Supervision Authority.

Established in early 2014, Crowdestate provides its investors access to a wide variety of real estate investments that are not available to them alone.

Thorough due diligence for the projects, relevant background information, a competent and experienced team and a low initial investment (starting from EUR 100) make real estate crowdfunding a convenient way to invest in smaller and larger amounts to build a well-diversified investment portfolio.

Why invest in real estate? Read more about investing in real estate in our blog post "8 great reasons to invest in real estate".

Why should investors invest in real estate crowdfunding? Read more about real estate crowdfunding in our blog post "Understanding the Power of Real Estate Crowdfunding in Europe".

The ‘Return Percentage’ on our ‘Facts and Figures’ page represents the average net return on fully realised and exited investments. This figure is calculated after accounting for any losses from unsuccessful investments, known as defaulted investment write-offs. It serves as a historical performance metric, reflecting the returns investors have received post-deductions from their completed investments.