In the current context, the real estate sector is standing out again due to its solidity. Despite still-high interest rates and a moderate economic cycle, it remains one of the most attractive assets for investors thanks to its tangibility, stability, and profitability. Being a physical asset, it generates investor confidence; moreover, it acts as a hedge against inflation and market volatility. Regarding profitability, in addition to rental income, properties tend to appreciate over time, positioning them as a safe investment. The main drawback of such a profitable investment as real estate is usually the high amount of capital required to start, which limits the participation of individual investors in these types of projects.
In this scenario, real estate crowdfunding has democratized access to high-quality projects managed by professionals. Urbanitae has established itself as the leading platform in Europe. In 2024, it channeled €178 million into 66 projects and returned more than €110 million to its investors without recording any capital losses. Since its authorization by the CNMV in 2019, it has maintained steady growth, concentrating around 60% of the market and achieving an average annual return above 12%. After closing 2024 with €178 million invested in 66 projects, the company has returned over €110 million to its investors; to date, none of its projects have experienced capital losses. Additionally, it has successfully started its international expansion, leading the Portuguese market and entering France with the Marjolin project, which was fully funded in less than half an hour.
Why Invest with Urbanitae?
Urbanitae is a crowdfunding platform whose distinguishing feature is that it allows investment in real estate projects from €500, making it accessible to all types of investors. Investing has no additional costs, and the average estimated duration is 25 months, providing a quick return. By investing with Urbanitae, thanks to the crowdfunding structure, investors can achieve greater diversification by participating in various projects with different returns, locations, and durations, avoiding putting all their money into a single type of asset.
The process to start investing on the platform is simple, intuitive, and entirely online, making it easy for anyone to become a real estate investor. You only need to register, and once your account is activated, you can start investing in the available projects through three modalities: debt, equity, and capital gains. In the debt modality, the investor acts as a lender, providing capital in exchange for a fixed interest rate and a defined repayment term, offering more predictable returns and lower risk. In the equity modality, the investor becomes a partner in the project, acquiring a direct stake in the company executing it. This option involves assuming some risk but also allows the investor to earn a share of the total profit generated once the operation is completed. The capital gains strategy involves investing in real estate projects with the goal of achieving short- to medium-term profits through asset appreciation. Essentially, it is based on the buy, renovate, and sell—or buy, build, and sell—cycle, participating as a capital partner of the developer. This allows investors to earn returns linked to the added value generated by improving or constructing the property and to the increase in market demand.
With Urbanitae, investors gain tangible advantages. First, the ability to participate in projects located in prime areas and major cities—opportunities usually out of reach for small investors. Additionally, the platform is fully online, allowing users to register, explore available projects, and decide where to invest easily and securely.
It is a cutting-edge technology platform that also offers full transparency and continuous monitoring: each user has a private area where they can check the progress of construction and updated profitability estimates in real-time. In Urbanitae, options are varied, both in terms of property type and location, as well as profitability—but all share the security of being selected by an expert team in the sector.
Urbanitae: Experience and Track Record
One of Urbanitae’s main success factors is its strict project selection. Projects undergo a rigorous approval process based on a comprehensive audit, which analyzes the real situation of an asset before investment. This review evaluates potential risks, liabilities, or other irregularities in various areas: legal (contracts, licenses, litigation), financial and fiscal (accounts, debts, taxes), technical (asset condition and permits), etc. Every proposal must receive unanimous approval from the Investment Committee, composed of platform experts and independent professionals.
Thanks to this rigorous approach, Urbanitae has now completed the repayment of nearly 70 projects, none of which has resulted in losses for investors. What’s more, the average IRR achieved exceeds 12%, despite the many challenges faced by a significant portion of our equity projects —inflation, construction costs, supply chain disruptions, and more.
Projects currently open for investment with Urbanitae
Continuing along this line of high-potential opportunities, the company currently has several particularly attractive projects open for funding.
This includes the Casa Coral and Casa Coragem projects, which involve the development of two luxury villas in one of the prime locations on the Costa del Sol. The main appeal of both lies in their investor-first profit distribution structure, which offers a 14% preferred IRR. In other words, once the project is completed, Urbanitae investors are first in line to receive both their invested capital and a 14% IRR. Only after they have been paid does the developer recover their capital and receive an equivalent 14% IRR.
As for the projects themselves, they represent strong opportunities for several reasons. The track record of the developer, Casas Fintech, in the area is outstanding: they have sold 15 villas locally, meeting both timelines and price targets. The sales agent is Solvilla, arguably the best in the region. And the product is highly exclusive — signature villas for which there is strong unmet demand.
In addition, investors can still participate in the Navia project, a debt operation to develop a retail park in Vigo. This marks our entry into Galicia and forms part of our broader strategy to expand our presence in the commercial real estate segment this year and, especially, next year. More than 50% of the retail park is already leased to top-tier tenants, and the commercialisation of the rest is well underway. The investment is structured as a loan of up to €5M at a 10.5% annual return, with an estimated term of 15 months and a minimum of 6. The loan is secured by a first-rank mortgage and additional guarantees, and there is already a signed forward purchase agreement, strengthening the visibility of the exit.
