Crowdpear Review — Mortgage-Backed Real-Estate Crowdfunding from the PeerBerry Team

Name: Crowdpear Review 2026 - ECSP RE With PeerBerry Cap-Table
Item: Crowdpear
Rating: 7.3
Author: CrowdIndex

★★★★ Recommended | CrowdIndex Score: 7.7 / 10

Lithuanian ECSP-licensed real-estate crowdfunding platform, supervised by Bank of Lithuania since July 2023. Operated by the same shareholders as PeerBerry through the Aventus Group cluster, with every loan secured by a first-rank mortgage on the underlying property. Zero capital losses across more than three years of operations, and the first crowdfunding platform in Lithuania to achieve ISO 27001:2022 certification.

What is Crowdpear in 60 seconds

Crowdpear is a Lithuanian crowdfunding platform that lets retail investors fund real-estate-backed business loans across the European Economic Area. You deposit funds, pick projects manually (there is no AutoInvest), and earn quarterly interest while the borrower develops or refinances a property. Every loan is secured by a first-rank mortgage (the senior legal claim on the property if the borrower defaults), and the loan-to-value ratio is published on each project card so you can see exactly how much collateral cushion you have. The platform is operated by the same people who run PeerBerry — a separate, larger Lithuanian P2P platform — and sits under the Aventus Group umbrella. It is regulated by the Bank of Lithuania under the EU’s Crowdfunding Service Provider regulation (ECSP), which is the most rigorous investor-facing framework currently available in the European crowdfunding segment.

Strengths

ISO 27001:2022 certified — first crowdfunding platform in Lithuania. Crowdpear received certification from Baltum Bureau in December 2025, making it the first Lithuanian crowdfunding platform to achieve this internationally recognized information-security standard. ISO 27001 is not a marketing badge — it requires documented controls covering data handling, access management, incident response, and continuous audit. Most P2P platforms operate without any externally audited information-security standard.
Profitable in 2024 — €152,126 net profit. Crowdpear became profitable in its second full operating year, which is unusually fast for a regulated crowdfunding platform. Profitability matters because crowdfunding platforms that burn cash year after year are forced to cut corners on compliance, staffing, or recovery efforts when their runway tightens. A platform that pays its own bills from operations is structurally more durable for investors.
Zero reported capital losses across 3+ years of operations. From the January 2023 launch through May 2026, no investor has lost principal on a Crowdpear loan. All projects have either repaid on schedule, repaid late, or are still in active recovery — none have resulted in a realized loss. This is a meaningful clean record in a segment where competitors like EstateGuru have over 60% of their portfolio in recovery.
Ateys 11 — €97K recovered in April 2026 (operationally proven recovery). Unlike Maclear, where the platform’s only default was settled by the CEO’s personal funds rather than the formal collateral process, Crowdpear’s Ateys 11 project was recovered through the actual stated mechanism — collateral sale under the first-rank mortgage. This is meaningful because it shows the recovery framework Crowdpear describes in marketing actually works in practice. €97,000 was distributed to investors in April 2026, and the overall recovery portfolio dropped from €496K (January 2026) to €393K.
ECSP license from Bank of Lithuania. The European Crowdfunding Service Provider regulation (EU 2020/1503) is the EU’s most prescriptive framework for crowdfunding platforms. It requires platforms to publish a Key Investor Information Document (KIID) for each loan, perform suitability assessments on retail investors, segregate client funds, and submit to ongoing supervision by a central bank. Bank of Lithuania is one of the most active ECSP regulators in the EU.
First-rank mortgage on every project, LTV published openly. Each loan card shows the loan-to-value ratio of the underlying property collateral. Platform-wide average LTV is 58.88% (April 2026), meaning the property securing each loan is typically worth roughly 1.7x the loan amount. This is a transparent safeguard structure — you can see the collateral cushion before you invest, not afterwards.

Things to Watch

100% cap-table overlap with PeerBerry / Aventus Group — single-management cluster risk. Crowdpear’s three shareholders — Vytautas Stražnickas (50%), Vytautas Olšauskas (25%), and Ivan Butov (25%) — are identical to PeerBerry’s shareholders. Vytautas Olšauskas is the CEO of both platforms simultaneously. Aventus Group, the parent holding, sits behind both. The practical implication: if you hold positions on both Crowdpear and PeerBerry to “diversify,” you do not actually get independent exposure — you are concentrated on the same management team, the same operational infrastructure, and the same business judgment under two brand names. If the Aventus cluster faces an operational, regulatory, or reputational stress event, both platforms move together. Per industry reviewers (rethink-p2p, Jean Galea, P2P Empire), this is the single most-cited concern about Crowdpear.
Lithuanian real-estate and SME concentration. More than 95% of Crowdpear’s funded projects to date are located in Lithuania, concentrated in Vilnius, Kaunas, and Panevėžys. Geographic expansion into Romania and Portugal (signaled by the language additions) is at an early stage with limited deal flow. If the Lithuanian commercial or residential real-estate market enters a downturn, the portfolio is structurally exposed. Investors who already hold significant Baltic real-estate exposure through other platforms should size Crowdpear positions accordingly.
No MiFID II or full ECSP-with-MiFID dual licensing. Crowdpear holds an ECSP license, which is meaningful, but it does not include the investor compensation scheme that platforms like Mintos, Twino, or Nectaro provide under their MiFID II Investment Firm licenses (up to €20,000 of investor compensation in qualifying insolvency scenarios). Under ECSP rules, if Crowdpear were to become insolvent, you would rank as an unsecured creditor — the mortgage protection sits with each loan project, not with the platform-level entity. Plan position sizes accordingly.

How It Works

Register. Create an account with your email — under two minutes. The platform passport-supports all EEA residents plus Switzerland, Norway, Iceland, and Liechtenstein.
Complete KYC and the ECSP suitability assessment. Upload an ID document and proof of address. Because Crowdpear is ECSP-regulated, retail investors must also complete an investor knowledge and risk assessment before committing more than €1,000 to any single project. This is a regulatory requirement, not a marketing gate.
Deposit funds. Transfer EUR via SEPA bank transfer. The +1% welcome bonus applies to all investments you make during the 90 days following registration.
Choose loans manually. Browse the live project list. Each project card shows the borrower, the property type, the loan-to-value ratio (LTV), the term (typically 6 to 13 months), the interest rate (9.5% to 14.5%), and the project’s KIID document. There is no AutoInvest — selection is manual.
Earn quarterly interest, principal at maturity. Crowdpear loans are bullet structure: interest is paid quarterly into your account, and the full principal is returned at the end of the loan term. You can reinvest, withdraw, or list your investment on the secondary market (2% seller fee) if you need earlier liquidity.

Who Crowdpear Is For

Crowdpear is best suited for EU-based investors who want collateral-backed real-estate exposure with a clean track record, and who are comfortable selecting loans manually rather than automating their portfolio. The €100 per-loan minimum makes it accessible for portfolios in the €1,000 to €5,000 range, but you should plan on actively monitoring the project list because new deal flow can be uneven (the platform faced loan supply shortages during 2025, and there is no AutoInvest to deploy idle cash).

Crowdpear is not the right fit if you are looking to build a fully passive, set-and-forget portfolio (no AutoInvest), if you need immediate liquidity (the secondary market exists but has limited depth on a small platform), if you already hold significant PeerBerry positions and assumed Crowdpear gave you independent exposure (it does not — same management, same cluster), or if you want investor compensation scheme protection (Crowdpear is ECSP-only, not MiFID II).

Compared to Alternatives

Crowdpear vs. Maclear. Maclear and Crowdpear sit at opposite ends of the regulatory and yield spectrum. Maclear is Swiss SRO-supervised (AML scope, not full investor protection) and targets returns of 14.5% to 14.9% on SME loans across Europe. Crowdpear is ECSP-regulated by the Bank of Lithuania — a deeper investor-protection framework — but pays a more modest 10.63% platform average on tightly collateralized Lithuanian real-estate loans. Crowdpear’s recovery process has actually been tested (Ateys 11, April 2026); Maclear’s has not. If you prioritize regulatory framework depth and collateral transparency, Crowdpear is the more conservative choice. If you prioritize yield and broader geographic diversification, Maclear offers more.

Crowdpear vs. Mintos. Mintos is the largest P2P platform in Europe by lifetime volume and operates under a MiFID II Investment Firm license — which includes an investor compensation scheme of up to €20,000 in qualifying insolvency scenarios. Crowdpear has no such scheme. However, Mintos runs an indirect originator model where loans are intermediated by separate lending companies, while Crowdpear lends directly against property collateral with mortgage security. Yields are also different: Mintos averages 8% to 11%, Crowdpear 10.63%, with Crowdpear’s loans typically backed by tangible Lithuanian real estate rather than unsecured or buyback-guaranteed consumer credit. Mintos wins on regulatory protection and scale; Crowdpear wins on collateral structure and a cleaner loss record on a smaller base.

Crowdpear vs. PeerBerry (the sister platform). This is the comparison that matters most for anyone considering both. PeerBerry and Crowdpear share identical shareholders (Stražnickas 50% / Olšauskas 25% / Butov 25%), the same CEO (Olšauskas runs both), the same Aventus Group parent, and overlapping operational infrastructure. They differ on product: PeerBerry intermediates short-term consumer and SME loans through the Aventus loan originator network (with buyback guarantees), while Crowdpear originates directly against real-estate collateral under the ECSP framework. Yields are roughly comparable (10% to 14% range). The critical point: holding positions on both does not give you diversified counterparty exposure — it concentrates you on the same management team operating under two brand names. If you are already on PeerBerry, treat Crowdpear as additional exposure to the same cluster, not independent diversification. If you are choosing between them, the choice comes down to product preference: short consumer loans with buyback (PeerBerry) versus real-estate-backed business loans without buyback but with mortgage security (Crowdpear).

Bottom line on competitors. Crowdpear is one of the cleaner small-platform real-estate plays in the EU — ECSP-licensed, ISO 27001 certified, profitable, zero capital losses, transparent LTV — but its key weakness is structural, not operational: the sister-platform cap-table overlap means investors using both Crowdpear and PeerBerry to diversify are concentrating, not diversifying. As a single allocation within a broader portfolio, Crowdpear earns a solid Tier 1 placement.

Frequently Asked Questions

What is the minimum investment to get started? The minimum per-loan investment is €100, which is lower than InRento’s €500 minimum. To diversify properly across several independent projects, most investors begin with a portfolio of at least €1,000 to €2,000.

Is Crowdpear the same company as PeerBerry? They are legally separate companies (UAB Crowdpear and UAB PeerBerry), but the three shareholders are identical (Stražnickas 50% / Olšauskas 25% / Butov 25%) and Vytautas Olšauskas is the CEO of both. Both operate under the broader Aventus Group umbrella. For diversification purposes, treat them as connected — not independent — counterparty exposure.

How does the recovery process actually work if a borrower defaults? Crowdpear’s loans are secured by a first-rank mortgage on the underlying property, which means Crowdpear has the senior legal claim if the borrower fails to repay. The recovery process involves enforcing the mortgage and selling the collateral. This has been demonstrated in practice: Ateys 11 was recovered in April 2026 with €97,000 distributed to investors. As of April 2026, 2.2% of the portfolio (€393K) is in active recovery, with zero realized capital losses across all recoveries to date.

Is there an investor compensation scheme? No. ECSP regulation does not include an investor compensation scheme. If Crowdpear were to become insolvent at the platform level, you would rank as an unsecured creditor. The mortgage protection sits with each individual loan project, not with the platform entity. This is different from MiFID II Investment Firm regulated platforms like Mintos, Twino, or Nectaro, which provide up to €20,000 of investor compensation in qualifying cases.

Why is there no AutoInvest? Crowdpear has not implemented AutoInvest as of May 2026, which is one of the most-cited weaknesses in third-party reviews. The platform’s small team and limited deal pipeline mean that automation would risk leaving investors with concentrated exposures. Manual selection is the only option — plan to actively monitor the project list.

Bottom Line

Crowdpear is a quietly strong Tier 1 real-estate crowdfunding platform — ECSP-regulated, ISO 27001 certified, profitable in its second year, and with a clean zero-capital-loss track record across more than three years of operations. The Ateys 11 recovery in April 2026 demonstrates the collateral mechanism actually works, which is more than most P2P platforms can claim. The main reservation is structural: because Crowdpear shares its full cap table and CEO with PeerBerry, holding both does not give you independent exposure. As a single allocation within a diversified P2P portfolio, Crowdpear is a credible choice. As a pair with PeerBerry, treat the pair as one exposure, not two.

Affiliate disclosure. CrowdIndex earns a commission when readers sign up to platforms through links on this page. This does not affect our editorial assessment. Crowdpear’s ranking on CrowdIndex is based on the editorial criteria documented on our Methodology page. We last reviewed this article on May 18, 2026.

Crowdpear review.