Which Real Estate Collective Investment Platform Fits You? A Quick Guide by Investor Profile
Real estate collective investment, especially through models like crowdfunding or crowdlending, has evolved into a well-established alternative for accessing the property market without buying an entire home. Thanks to these platforms, more retail investors can participate in development, refurbishment, or rental projects with smaller, diversified capital. Below, we review the most representative and popular platforms in Spain and Europe, what they offer, how they work, and which investor profiles can benefit most.
Leading platforms in Spain
Before naming names, it helps to remember what these platforms do: they allow multiple investors to contribute capital to a real estate project and share the return—either as interest or as participation in capital gains or rental income. The process is digital and, in some cases, comes with low minimum tickets that democratize access to the sector.
Urbanitae
Urbanitae has become one of the most important real estate crowdfunding platforms in Spain and Europe. It lets you invest starting from relatively small amounts (from €500) in residential, commercial, and development projects, both via equity and debt structures. It is authorized and registered with the CNMV, which adds a layer of oversight and transparency to how it operates. Its transaction volume places it among the most dynamic options in the Spanish market, with projects of different types and access to international opportunities.
Housers
Housers was one of the pioneering platforms in Spain in this segment and remains popular among investors seeking real estate debt or equity projects with an accessible minimum investment. Although it has gone through operational changes over time, it is often mentioned among the platforms that helped shape the market thanks to its longevity and user base.
Civislend
Civislend is a Spanish platform focused on real estate crowdlending, meaning connecting developers with financing through loans funded by multiple investors. It offers investing from low amounts (from €250) and typically focuses on residential projects. CNMV oversight provides a similar regulatory framework to other platforms, although the range of projects may be smaller than in other cases.
ClubFunding
Originally from France, ClubFunding has been gaining traction in Spain and across Europe. It specializes in debt projects—financing for developers—and often advertises attractive estimated returns, with timelines that vary by deal. Users of this type of platform invest as lenders in structured real estate projects, receiving interest periodically or at maturity.
Domoblock
Domoblock stands out with a different approach: it is based on tokenization of real estate projects, allowing investment from small amounts in development deals, especially focused on “house flipping” (buy, renovate, and sell). Although it operates under a different regulatory framework (not strictly as traditional crowdfunding), its tech-driven model and low tickets make it an interesting option for investors looking for shorter time horizons and more innovative formats.
Raizers
Raizers operates in several European countries (including Spain) and lets investors participate mainly in real estate project debt. It offers returns in the double-digit range and a mix of project types. Its presence across multiple markets makes it a solid option for those seeking geographic diversification within the same collective financing model.
How to choose between platforms
Choosing a real estate collective investment platform shouldn’t be based only on popularity or advertised returns. It’s important to check which regulatory framework it operates under, what types of projects it offers—debt or equity—and how the timelines and risks fit your goals.
It’s also worth paying attention to the level of information and transparency provided about each project and the developer. In the end, the platform acts as a key intermediary between you and the investment, so its standards and working methods matter.
