Spain’s Real Estate Crowdfunding Surges 105%, Solidifying Its Role as a Key Investment Channel

The Spanish real estate crowdfunding market reached a new milestone in the first quarter of 2025, raising more than €70 million through crowdlending and crowdfunding platforms, according to data from the Spanish Association of Crowdfunding Platforms (AEPFP). This figure represents a 105% increase compared to the same period last year.

This growth, driven by the normalization of interest rates, the search for real assets as a hedge against inflation, and the sophistication of retail investors, consolidates Spain’s position as one of Europe’s most dynamic markets for digital real estate investment.

“We are seeing a structural change in the way individuals enter the real estate sector,” says Sandra León, president of the AEPFP. “What used to require large sums of capital and in-depth market knowledge can now be done from a mobile phone with entry fees starting at 100 euros.”

Platforms such as Urbanitae, Inversa Prime, StockCrowd IN, and Brickstarter are leading this boom, offering direct access to development, renovation, or acquisition projects for logistics, residential, and tourism assets in strategic locations such as Madrid, Barcelona, ​​Malaga, and Valencia.

Real Estate Crowdfunding: Accessible entry, rising returns, and investor diversification fuel rapid growth—industry calls for stronger regulation and broader financial recognition

In most cases, crowdfunding projects are structured as fixed-rate participating loans—with maturities between 12 and 36 months—or as investments with profit-sharing tied to asset performance. Interest rates offered range from 7% to 11% per year, significantly higher than the yield on sovereign bonds or bank deposits.

The investor profile has also evolved. While the sector initially attracted primarily young individuals and tech-savvy investors, by 2025 it will be increasingly common to see wealthier profiles, entrepreneurs, and SME managers using these platforms to diversify their capital.

Analysts point out, however, that the sector’s growth must be accompanied by strong regulation and greater transparency. Although the CNMV has been supervising the activity of these platforms since the transposition of the European ECSPR regulation (Regulation 2020/1503), the agency has reiterated the need for investors to understand the risks associated with these types of products.

The employers’ association argues that the maturity achieved by the sector justifies broader recognition within the financial system. “We are no longer an experiment. We represent a complementary financing channel that improves the efficiency of the Spanish real estate market,” León concludes.

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(Featured image by Frames For Your Heart via Unsplash)

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First published in Mercado de Valores Immobiliaros. A third-party contributor translated and adapted the article from the original. In case of discrepancy, the original will prevail.

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