Crowdlending imobiliário espanhol com cupões trimestrais fixos.
A CivisLend é uma plataforma espanhola de crowdlending licenciada pela CNMV, focada em empréstimos com garantia hipotecária a promotores imobiliários. Os investidores comprometem-se a partir de 250 € e recebem cupões fixos — tipicamente em 9–14 % anuais — com o imóvel subjacente como garantia.
CivisLend is a real estate crowdfunding platform headquartered in Spain. Retail and accredited investors fund equity, p2p lending opportunities project-by-project — either manually after reading the disclosure pack, or via an auto-invest strategy that allocates across new deals according to your filters (yield, term, region, originator score). The platform handles deal sourcing, underwriting, KYC and ongoing servicing on behalf of every investor on its cap table.
Each deal is presented with a project page that includes the borrower / sponsor identity, the use of funds, the security or collateral structure, the headline yield and the repayment schedule. Minimum ticket sizes start at €250 and typical deal terms run 12–36 months. When a deal is fully funded, capital is released to the borrower and scheduled returns (interest, dividends, capital amortisation) post to your investor account on the dates specified in the loan agreement.
Operations are supervised by CNMV (Spain). Supervision covers conduct, disclosure, segregation of investor cash, marketing standards and the platform’s own capital adequacy — it does not, however, guarantee that an individual deal will perform as advertised. Investors retain full project-level risk on every loan or equity stake they buy.
Once an investor has built a portfolio of 20–30 positions, performance is best assessed against the platform’s historical default rate, recovery rate on workouts, and the relative performance of its loan book through prior macro cycles. Reinvestment can be automated to compound returns; withdrawals go out via SEPA or local bank transfer to the account on file, usually within 1–3 business days for available cash.
The platform advertises target gross yields in the 9–14% APR band. Realised net returns on a diversified portfolio typically run 1–3 percentage points below the headline range once defaults, cash drag and fees are taken into account.
Track record is best read against the Spain macro context — local interest rates, property cycle and employment data move loan-default rates in real time. Investors should diversify across at least 20–30 loans before extrapolating any single year of returns.
Headline yields are quoted before the value of the asset-backed (mortgage / collateral). In a normal market this protection has historically smoothed the realised return; in a stressed market its value depends on the originator’s capacity to honour the buyback.
Suited to risk-tolerant investors with a 5–10 year horizon who can afford the possibility of total capital loss on individual deals. Diversification across at least 15–20 positions is essential; minimum ticket from €250. Not appropriate for emergency-fund capital or income-replacement strategies.
Capital at risk. Investments on CivisLend are not bank deposits and are not covered by any deposit-guarantee scheme (FGD in Spain, FGDR in France, gli istituti di garanzia in Italy, etc.). You can lose part or all of your capital.
Default risk. Borrowers may stop paying. Even with collateral or buyback, recovery is slow and partial in stressed scenarios.
Buyback risk. The buyback guarantee is a contractual promise from the loan originator — not from the platform, and not from any government. Multiple originator failures since 2020 have shown the protection can fail in practice.
Liquidity risk. There is no secondary market — invested capital is locked until the loan or project reaches maturity.
Tax. Interest and capital gains are taxable in your country of residence. Most European platforms do not withhold automatically.
support@civislend.com — confirm on the platform’s contact page before sending sensitive information.CivisLend operates under supervision of CNMV (Spain). Supervision covers conduct, disclosure, segregation of investor cash and minimum capital requirements. It does not guarantee that any individual deal will perform as advertised — investors retain full project-level risk on every position they hold.
The minimum ticket per deal is €250. There is no upper limit for retail accounts; institutional tickets are arranged separately with the platform.
Advertised gross yields are 6% p.a.. Realised net returns depend on default rates, cash drag (money waiting between deals) and any servicing fees — expect actual portfolio returns 1–3 percentage points below the headline range after a full investment cycle.
Available cash typically arrives via SEPA or local bank transfer within 1–3 business days. Funds locked in active deals only return as borrowers repay; there is no secondary market, so plan on holding to maturity.
In an underwriting failure, the platform pursues the contractual recovery path — the buyback guarantee from the originator should refund principal plus accrued interest, with workouts typically taking 12–24 months. Recovery is rarely 100 %, and investors should size positions accordingly.
Investor cash held on the platform is segregated from CivisLend’s own balance sheet, as required by the rules of CNMV (Spain). In an insolvency, cash should be returned to investors and outstanding loans transferred to a runoff administrator who continues to collect repayments on investors’ behalf. The process can take 12–24 months and recovery is rarely 100 %, but the loans you own remain your property, not the platform’s.
Yes — interest, dividends and realised capital gains are taxable in your country of residence. Most platforms do not withhold automatically; investors report the income in their annual tax return and may apply double-tax-treaty relief where available.
Typical project duration is 12–36 months. Longer durations generally pay higher headline yields but lock capital for longer and increase exposure to macro cycles; shorter durations offer faster reinvestment but reset rates more often.
A common rule of thumb is 20–30 positions to absorb single-deal default risk. Below 10 positions, one bad loan can wipe out a year of returns; above 30 the marginal benefit of further diversification flattens. Auto-invest rules make this easy to maintain over time.
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thanks....
FonteHice tres inversiones de bastante dinero y sin mucha experiencia en ello, ya me han pagado todo con los beneficios una rentabilidad entre un 13 y y un 14% de beneficio y estoy tan contento!! Algún retraso en los proyectos pero aumentaba la rentabilidad así que sin problema, todo dentro de lo normal
Fácil y comodo
Es la primera vez que invierto, el proceso fue ágil, claro y rapido
ES LA PRIMERA VEZ, Y NO PUEDO OPINAR MUCHO, PQ AUN NO HA HECHO MAS Q EMPEZAR EL PROCESO, PERO HASTA EL MOMENTO, TODO BIEN
Todo fue bien. Conseguí entrar a tiempo, ya que alguna otra vez no fue posible
El proceso ha sido sencillo y la información proporcionada. Los informes de riesgo y prospección los proporciona civislend y no tercero neutro, así como se observa opción de compra en NS que para quien no este familiarizado con este tipo de documentación puede generar cierta inseguridad.
Aunque acabo de comenzar en este modo de inversión, la atención ha sido excelente, la forma de contratar sencilla y rápida y, hasta el momento, he estado informado de todo el proceso y de dónde está mi dinero, además del beneficio esperable de mi inversión. Hasta ahora, difícil de mejorar.
En constante desarrollo de oportunidades Oportunidades para todos los presupuestos Facil acceso a respuesta humana en las oficinas Rapida resolucion de dudas
Rapidez y transparencia
Claridad, buen funcionamiento y transparencia
La verdad muy buena experiencia y muy buena atención del equipo de asesores un 10