Urbanitae Raises €2,240,000 in One Day to Complete a Luxury Villa in Roca Llisa, with 1,343 Investors

25/10/2026 – ⏱ 2 min · By Realty Investor Editorial Team

1,343 investors covered Tranche A of the loan of up to €3,315,000 on Villa Joy, in Ibiza, whose first tranche funds no new works

This article is for information purposes only and does not constitute investment advice or a recommendation of any kind.

Villa Joy, a luxury home under construction in Roca Llisa, in Santa Eulària des Riu (Ibiza), has raised €2,240,000 on Urbanitae in one day. It came from 1,343 investors, with an average of €1,668 and a pace of around €1,556 a minute.

One day is fast, but slow for this platform: on 2 October it covered €2,920,000 for 68 homes in Caleta de Fuste in 35 minutes, and on the 19th it raised €1,105,000 in 21 seconds. A single luxury asset, with the sale expected in 2028, finds investors at a different pace than a housing scheme.

The villa occupies a 1,880 m² plot facing the Ibiza golf course and will have around 550 m² of living space, five bedrooms, an infinity pool and home automation. The manager is LA VIE EST BELLE, with more than 27 deals in the United States and Europe, and the works are being carried out by Testi Construzioni with a 30% retention on each certification subordinated to the loan.

The permits are in place and the latest progress disclosed was 30%, as of July. Completion is expected by the end of 2027 and the sale in 2028, with marketing not yet started. And none of this €2,240,000 funds new works: it refinances the land loan, pays €200,000 outstanding to the previous contractor and covers the structuring. The works will be funded by a second tranche of up to €1,075,000, against certifications and with a further €0.6 million from the developer first.

The deal is a loan: investors lend the money to the developer through the platform, and the developer undertakes to repay it with interest within the agreed term, here 24 months extendable twice by six, with a target interest rate of 10.5% a year at maturity. If it repays early, it must still pay twelve months of interest, a contractual floor that depends on the developer paying, not a guaranteed return. The security is broad: a first-ranking mortgage with 140% liability, a pledge over shares and accounts, a 100% cash sweep on the sale and an irrevocable sale mandate. Even so, repayment depends on selling one house, at an expected price of €7.55 million.

Investing in real-estate crowdfunding carries the risk of losing part or all of the capital: the money is locked up until maturity, returns are not guaranteed and there is no deposit guarantee fund cover. No security eliminates that risk, and the speed of a fundraise says nothing about how the deal will end. Non-sophisticated investors have four calendar days to withdraw their offer without penalty.

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