Sego Real Estate: everything you need to know before investing
– ⏱ 3 min
In the latest deal Sego Real Estate closed, an €850,000 loan secured on a property in Madrid, its 818 investors contributed just over €1,000 each on average, roughly half as much as on platforms such as Urbanitae or Civislend. It is a feature repeated in almost all its rounds, as is the modest size of its deals: over the past year, none exceeded that amount.
Sego Real Estate is the real estate line of SegoFinance, a group with fifteen years' experience in alternative investment for retail investors, and the way it operates is best understood from there.
What it is and under what supervision it operates
Sego Real Estate is a real estate crowdlending platform: it pools the contributions of many retail investors to lend them, generally with a property as security, to developers and companies that buy, build or refurbish, or that refinance debts already weighing on their assets. The investor contributes a small amount, the borrower undertakes to repay the loan with interest within the agreed term, and each investor receives their corresponding share.
Because it is a loan and not an equity stake, the investor does not become a shareholder or share in the project's profit: their return is limited to the agreed interest rate even if the deal performs better than expected and, in exchange, they have repayment priority over the shareholders.
It belongs to the Madrid-based group SegoFinance, founded by Javier Villaseca, now its chief executive officer, which also brings together startup investment, invoice financing and funds. The real estate line started in 2022 and is run by Abraham Aoun. In the register of the National Securities Market Commission (CNMV), the group is listed as a crowdfunding service provider through Sociosinversores 2010, S.L., registered since April 2023 with number 7 and the only company in the group in that register.
Its activity, in figures
At Realty Investor we keep our own record of the offerings published on the European market. Between November 2025 and October 2026, these are its figures.
Modestly sized deals. Seventeen deals closed and more than €7 million raised, at a pace of more than one a month. The median raise is €450,000, with deals from €70,000.
Hundreds of investors and small tickets. The median deal brought together around 430 investors, with an average ticket of around €1,000.
12%, the most common rate. Ten of the seventeen deals were published with an interest rate of 12%, which is also the median, above the market's 11%, with a median term of 18 months.
Rounds of around a week. The median round took just over a week to complete; the fastest was filled in a few hours and the slowest in close to four weeks, compared with the few hours of the market's median round.
Beyond housing. Although residential dominates, it also financed a padel complex in Vallecas, commercial premises in Cartagena and the opening of a restaurant venue in Murcia. In addition, three deals for the same borrower, close to a third of the amount raised, were used to clear charges already weighing on the properties.
Nine provinces. Málaga and Madrid top the list, with four deals each, and the rest are spread across seven other provinces, from Cuenca to León.
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According to its public communications, the SegoFinance group has more than 45,000 registered investors, and between January and April 2025 alone it channelled more than €44 million across all its lines, most of it in invoice financing.
What investing in Sego Real Estate is like
The minimum investment is €500 and the platform charges investors no fees: its revenue comes from the borrower. According to the company, its loans usually have a mortgage guarantee and an official valuation of the property, although some have been secured with other assets, such as the developer's shares, and repayment is generally scheduled at maturity.
The capital remains invested until the loan matures, around a year and a half, a term that may be extended if the project is delayed, and a guarantee does not remove the risk of loss, although it does open a route to recovering the money if the borrower does not pay. Since developments, refurbishments, purchases of commercial premises and refinancings coexist under the same interest rate, it is worth reading in each listing what is being financed and where the money to repay it will come from.
These are features inherent to real estate crowdlending and to the way it operates, and knowing them 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 November 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 group's figures and the conditions for investors come from SegoFinance's public communications.
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.