Raizers: everything you need to know before investing
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Raizers was founded in 2014 and since 2016 has been financing real estate developments, first in France and Switzerland and, since 2023, in Spain as well. For a Spanish investor, this translates above all into access to French projects: of the 34 closed deals in our record between December 2025 and October 2026, 27 were in France and five in Spain.
It also publishes detailed indicators on how its projects are performing, and they are worth looking at alongside everything else.
What it is and under what supervision it operates
Raizers is a real estate crowdlending platform: it pools the contributions of many retail investors to lend them to developers who buy, build or refurbish properties. Depending on the deal, the investor takes part in a loan or subscribes to bonds issued by the project company, and in both cases the developer undertakes to repay the capital with interest within the agreed term.
Because it is debt and not an equity stake, the investor does not become a shareholder or share in the development's profit: their return is limited to the agreed interest rate even if the project performs better than expected and, in exchange, they have repayment priority over the shareholders, although they may rank behind other creditors, such as a bank.
It is a French platform founded by Grégoire Linder and Maxime Pallain, with offices in Paris, Lyon, Geneva and Madrid. Its registered name is Raizers SAS, and it has been authorised as a crowdfunding service provider by the Autorité des marchés financiers, the French regulator, since June 2023, with number FP-2023-5. In Spain it operates under the European passport provided for in the EU crowdfunding regulation.
Its activity, in figures
At Realty Investor we keep our own record of the offerings published on the European market. Between December 2025 and October 2026, these are its figures.
Mostly France. 34 deals closed and more than €25 million raised: 27 in France, including three in Corsica and one in Saint-Barthélemy, five in Spain and two in Luxembourg. The median raise is just over €600,000.
Five deals in Spain. They were spread across Córdoba, Peñíscola, Navarre, Villaviciosa de Odón and Mazarrón, for just over €2.5 million in total.
Longer terms than the market. Half of the deals were set at two years and the rest at 12 or 18 months, compared with a median term of 15 months across the market as a whole. The median interest rate of 11% matches the market's, within a narrow band of between 10% and 12%.
Rounds of around two weeks. The median round took around two weeks to complete, compared with the few hours of the market's, and brought together around 180 investors, with an average ticket of around €3,000. Five were filled in a day or less and seven took a month or more.
LTV in line with the market. The median LTV, which relates the amount lent to the value of the asset, stands at 55%, the same as the market as a whole, and none of the deals that report it exceeded 70%.
Not just new builds. Alongside housing developments, it financed purchases and refurbishments of coastal villas, student residences and several deals in which the loan is used to refinance debt or release the developer's own equity.
According to the indicators it publishes, since 2016 it has financed 469 projects for more than €460 million, and 61% of that capital has already been repaid.
What investing in Raizers is like
The minimum investment is €1,000 per project, or €100 with its automatic investment tool, SmartInvest, and the platform charges investors no fees: its revenue comes from the developer. Guarantees vary from deal to deal and include mortgages, personal guarantees or a pledge over the shares of the project company, and interest is scheduled to be paid annually or at maturity, depending on the deal.
There is no secondary market, so the capital remains invested until the project repays, with terms of between one and two years in the period's deals, which may be extended if the project is delayed. As regards repayment performance, those same indicators show no definitive losses, although they do show provisions of around €31 million, and in October 2026 they put 68 projects more than six months behind schedule and 37 in insolvency proceedings, with around €91 million outstanding between the two groups.
Knowing these figures in advance is what makes it possible to put each deal in context.
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Realty Investor data on the deals published between December 2025 and October 2026, compiled from our own market record and not from the platform's full history. Only deals whose funding round has already closed are included, and those opened in several tranches are counted as one. The cumulative and repayment performance figures come from the indicators published by Raizers, updated in October 2026, and the conditions for investors from the company and from industry sources.
Informational and educational article. It does not constitute financial, tax or investment advice, nor a recommendation regarding any project or platform. Realty Investor is not a crowdfunding service provider. Investing in crowdfunding involves the risk of total or partial loss of capital, of not obtaining the expected return and of illiquidity, and is not covered by the Deposit Guarantee Fund or the General Investment Guarantee Fund. Past returns do not guarantee future returns.