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Available for EU residents

Crowdpear Review

Last update | 22. February 2023

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Available for EU residents
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Secured bya mortgage
cashback badgeGet a 0.5% Bonus
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Earn on average (Per Year) 10.62%


Chosen 206 times

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Tested Platform
  • Invest in vetted business loans

  • Backed by a professional team

  • Powered by PeerBerry

  • Regulated platform

Risk & Returnnumber of stars
Usabilitynumber of stars
Liquiditynumber of stars
Supportnumber of stars
checked iconBuyback Guarantee
checked iconCashback
checked iconRegulated
closed iconAuto Invest
closed iconSecondary Market
Min. Investment 100
Loan Originators1
Loan Period in Months12 - 18
Loan TypeReal Estate
Interest8% - 10.5%



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Year founded:


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Investors' earnings:

Not available

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Total invested:

€ 41.400

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Loss of investors' money:

€ 0

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Number of investors:


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Average portfolio size:

Not available

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Funds in recovery:

€ 0

    Table of contents

Table of contents

Crowdpear Review

Crowdpear is a regulated Lithuanian crowdfunding platform that enables you to earn 10.5% interest on your investments in secured business loans. The minimum investment per loan is just €100, and the interest will be added to your account once per quarter. Is Crowdpear a good fit for you? Let's find out in our Crowdpear review.

crowdpear review


  • regulated crowdfunding platform
  • no cash drag
  • mortgage-backed investments
  • min. investment from €100
  • run by a reliable team of professionals


  • slightly more bureaucratic onboarding process
  • limited diversification
  • no secondary market yet

Crowdpear Bonus

Sign up with our link on Crowdpear and invest to receive a 0.5% bonus of your invested capital within 90 days after your registration.

Crowdpear Loyalty Bonus

In addition to your investment bonus, you will receive additional rewards if your portfolio reaches €10,000 (+0.5%); €25,000 (+0.75%); and €40,000 (+1%).

crowdpear loyalty bonus

Logically, you have to invest money to get a higher interest rate.

The loyalty bonus won't be added to your account if your funds aren't invested.

Please be informed that you can become part of the loyalty program only after registering on Crowdpear for at least 90 days.

Crowdpear Requirements

To earn passive income by investing on Crowdpear, you must fulfill the following requirements.

  • be at least 18 years old
  • reside in the EU or EEA
  • pass the AML and KYC questionnaire (multiple choice)
  • verify your identity
  • declare your tax residency

The entire sign-up process can be done within five minutes. The verification happens through your smartphone, so ensure your phone is closed when verifying your identity.

Crowdpear supports registrations of natural persons as well as companies.

If you are risk-cautious, we highly recommend activating the 2FA to protect your account.

Crowdpear and Taxes

As a regulated crowdfunding platform, Crowdpear must deduct a 15% tax from your earnings if you are a non-Lithuanian tax resident. Those taxes will be automatically transferred to the State Tax Inspectorate of Lithuania.

If your country has a double tax treaty with Lithuania, you can reduce the withholding tax by submitting a DAS-1 form, which has to be signed by you and verified by the tax authority in your country.

It's recommended to submit this document before your first investment. This certificate shall be provided calendar year.

Crowdpear doesn't deduct taxes from non-Lithuanian companies registered in the European Economic Area. The company is responsible for paying applicable taxes according to the country's legislation where the company is registered.

Risk And Return

Investing in any type of loan is not risk-free. On Crowdpear, you are currently able to invest in Lithuanian real estate loans that are backed by a first-rank mortgage.

On Crowdpear, you are earning interest from the moment you invest in a loan and not from when the loan is fully funded.

This is a unique benefit that most other crowdfunding platforms don't offer, as it increases your return on the platform.

The LTV of the currently listed loans is at around 60% and can be increased to up to 80% in future stages.

crowdpear uab

Stage Loans

Many development projects are often funded in stages, which allow the borrower to obtain funding when needed.

Investing in multiple-stages loans from one borrower increases your investment risk, as "diversification" is not considered in this scenario.

Should the borrower have trouble repaying one stage, it will likely have issues with other stages. Therefore, experienced investors avoid investments in multiple-stage loans to decrease the borrower risk.

Secured Investments

Crowdpear is currently offering only mortgage-backed loans. Every project has a dedicated description and an appraisal report for the provided collateral.

It's always recommended to verify the information in the project overview with the appraisal report's data before you invest your money into a specific project.

crowdpear project

In addition to the appraisal report, you are informed about specific risks that apply to an investment in a real estate project.

The platform currently offers a 10.5% yield on your investments. If you decide to commit more funds, you will be able to benefit from the loyalty program and boost your return to up to 11.5% per year.

This is an excellent yield in the current market environment.

Note that Crowdpear is offering bullet loans, which means that the principal will be returned at the end of the loan term, whereas the interest will be added quarterly to your Crowdpear account.

Is Crowdpear Safe?

Crowdpear is a newly launched crowdfunding platform regulated by the Central Bank of Lithuania.

Who Owns The Platform?

Here you can find more information about Crowdpear's shareholding structure:

Vytautas Stražnickas (50%)

Vytautas Olšauskas (25%)

Ivan Butov (25%)

The Central Bank of Lithuania has approved all shareholders.

Who Leads The Platform?

The CEO of Crowdpear is Vytautas Olsauskas, also a shareholder of PeerBerry. Arunas Lekavicius is listed as the Chief Business Development Officer to help lead the platform in the right direction.

The support for Crowdpear is provided by the team behind PeerBerry, one of the most popular and reliable P2P lending platforms in Europe.

Are There Any Suspicious Terms And Conditions?

We are currently analyzing the terms and conditions. Our findings will be published soon.

Potential Red Flags

Currently, we aren't aware of any potential red flags

Opinion Of Crowdpear

Crowdpear is a newly launched regulated crowdfunding platform offering very competitive yields and is run by an experienced and trustworthy team.

While we can't evaluate the performance of the investments yet as there isn't enough data, the platform has excellent potential to become a worthy competitor to EstateGuru and other platforms in the crowdfunding space.

The real estate loans in Lithuania are all backed by a first-rank mortgage, which gives investors an additional level of protection.

While there is still plenty of room for improvement, Crowdpear offers a good alternative for those experiencing cash drag on other platforms and looking for a better option to keep their money invested.

As Crowdpear just launched its first three projects, the diversification is still limited; however, this might change soon as its popularity increases.

If you don't want to miss out on attractive and reliable returns, Crowdpear should undoubtedly be on your radar!


Crowdpear offers a fundamental user interface with essential details. If you have some experience with crowdfunding platforms, you will have no issues with the navigation on Crowdpear, as all the important information can be accessed almost instantly.

The platform offers a very user-friendly primary market where you can review the currently available loans and make your investment.

An auto invest isn't available yet as the volume of loans is still relatively low. If the number of projects increases, investors will likely expect to have the option to automate their investments.

Crowdpear offers transaction and tax statements, which are handy if you want a quick insight into the performance of your investments in a specific period.

The platform currently doesn't support individual IBAN accounts, making it easier for investors to deposit and withdraw funds as no additional verification is needed with another payment provider.

You can deposit your funds to Crowdpear's bank account with your payment details so that the platform can allocate your deposit.


The liquidity on Crowdpear is limited as all the listed loans come with a 12-month loan term.

A secondary market option is yet disabled as the initial investments haven't been fully funded. Crowdpear is expecting to open the secondary market soon.

If you are willing to secure an attractive yield for the next 12 months, Crowdpear is one of the suitable options on the market.

Crowdpear Review Summary

As Crowdpear just launched its operations, our experience with the platform is still relatively limited. The crowdfunding site offers a higher level of protection while providing exciting yields.

Main takeaways:

  • run by an experienced team
  • investments in secured real estate loans from Lithuania
  • limited diversification and liquidity

If you are looking for a reliable platform to diversify your investments further and don't mind committing funds for at least 12 months, Crowdpear can be a good option.

Are you ready to earn passive income?


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What is Crowdpear?

Crowdpear is a regulated crowdfunding platform from Lithuania, listing attractive investment opportunities in loans from legitimate lending companies.

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When will Crowdpear start listing loans?

Crowdpear started listing loans in January 2023. The platform currently has several projects in the pipeline for the upcoming weeks.

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How are loans on Crowdpear secured?

Loans on Crowdpear will be initially backed by a mortgage. Loans offered by lending partners Litelektra, SIB Group, Lithome or Aventus Group (Real Estate) may be offered with the buyback and a group guarantee for Aventus Real Estate and Litelektra.


  • Company:
  • Crowdpear, UAB
  • Legal Address:
  • Business Centre ELEVEN, Kareiviu str. 11B, LT-09109 Vilnius, Lithuania
  • Office Address:
  • Business Centre ELEVEN, Kareiviu str. 11B, LT-09109 Vilnius, Lithuania
  • Email: