Offer for Investors:
Investors can participate in individually selected real estate projects through two strategies — crowdlending (fixed-rate secured loans) and crowdequity (profit-sharing ownership stakes). All loan-based investments are secured by first-ranking mortgage guarantees, formalized via notarial contract, with URBIX handling all legal procedures on behalf of investors through a power of attorney mandate. Investor funds are held in individual Lemonway e-money accounts, fully segregated from URBIX’s own funds, and are returned in full within 5 days if a project fails to reach its funding target. Quarterly progress updates are provided for all active projects. No commissions are charged to individual investors.
Offer for Fundraisers:
- Financing available for residential and commercial real estate projects across Spain, including new construction (Préstamo Promotor), bridge loans, mortgage loans, flipping, rehabilitation, and distressed asset loans (Distress Loan).
- Rigorous multi-stage project analysis covering location, financial viability, promoter quality, and risk assessment before any project is published.
- Full financial structuring support: viability analysis, capital raising strategy, and risk management advisory.
- Loan terms typically between 12 and 36 months for crowdlending; 12–36+ months for crowdequity projects.
- Projects may include performance-linked covenants (“bonus/malus”) aligning developer decisions with investor interests.
- 100% online process; notarial formalization handled by URBIX via mandate agreement.
- If a project fails after reaching its target, developer penalty fees are distributed to investors.
Open to individual investors with Spanish nationality or an EU identity document (DNI/Passport); non-EU investors require a Spanish NIE number.
No commissions charged to individual investors.
URBIX offers to invest in various crowdfunding opportunities from the Real estate sector.
At URBIX, you can start investing with {min_investment}.
The investment models URBIX operates is Equity, Debt.
