Lend to Verified Businesses and Real Estate
Become the banker of vetted companies and real estate projects. Invest through loans with regular returns, a clear repayment schedule, and collateral backing. More than 15,000 registered investors already invest this way.
6–16% annual interest return
Secured investment
No entry fees
ECSPR licensed
Why invest in businesses through credit
Credit (loan) financing is chosen by investors for its higher interest returns compared to traditional bonds or banking products — while also offering regular repayments of both interest and principal.
To protect investor capital, we require guarantees from the companies we work with.
Collateral is set individually based on each company's circumstances — whether in the form of a lien on machinery, real estate, business shares, or trademarks.
Direct investing with collateral backing.
Clearly defined repayment schedule
with regularly paid interest.
Priority repayment rights.
Ahead of owners and suppliers.
You only lend to vetted companies.
Regular monitoring of your investment
performance and loan conditions.
Two ways to invest through Crowdberry
Credit
Business Loans (Credit)
Lend your capital directly to vetted local businesses and become, in a sense, their banker. Earn a regular interest return under pre-agreed terms.
Fixed and regular return from 6% p.a.
Secured investment
Lower risk profile than co-ownership
Fixed maturity of 1–4+ years
Equity
Co-own (Equity)
Put your capital into selected Czech and Slovak companies. Gain a share in the business and the opportunity to grow your investment through a future sale of the company or dividend payouts.
Return upon full or partial sale of the company
Potential for higher profit
Higher risk profile
Long-term investment horizon of 3–5+ years
Investing with a fair return
How we calculate interest returns
The total interest return ranges between 6–16% per year. It can consist of two or three components. We always apply a fixed margin — valid for the entire lifetime of the loan — reflecting the company's risk profile. The second component is the EURIBOR rate, which we reassess annually based on current market conditions. The third component is an investor premium, negotiated individually and tied to the company's performance.
How your investment is repaid
Your investment may be repaid through an agreed repayment schedule — in regular instalments or as a single bullet payment at loan maturity. The repayment structure is set individually based on the company's financial situation and plans.
Scoring model
The scoring model helps us understand and identify the risk profile of each company and investment. For every company, we assess both financial and non-financial parameters to arrive at an investment risk score. Where strong collateral exists, this score can be improved. Based on these parameters, we then set the interest return. We conduct an in-depth financial analysis of the company and check multiple registries (bankruptcies, enforcement proceedings, outstanding debts). Based on our analysis, we establish the loan conditions and financial covenants the company must meet.
Financial indicators:
- Profitability
- Indebtedness
- Liquidity
- Refinancing risk
Non-financial indicators:
- Management quality
- Company and market growth
- Market position and years in business
Collateral
Assessed individually.
We select from the following forms:
- Notarial deed
(with every investment) - Real estate
- Receivables
- Inventory
- Business shares
- Trademarks
