Lithuania is becoming increasingly visible in the European context – the country ranks among the five largest EU crowdfunding markets by capital raised through platforms, according to the European Securities and Markets Authority (ESMA) 2025 review, based on 2024 data. Only France, the Netherlands, Spain, and Italy raised more capital through crowdfunding platforms.
Read more The competition in Argentina is halfway through: «CFMOTO Thunder Racing Team» already has two medals
“Crowdfunding in Lithuania is no longer just an additional financing channel for individual projects. The market is growing, becoming more regulated, clearer for investors, and some platforms are already operating beyond Lithuania. In real estate project financing, this means two directions: developers gain a more flexible source of capital alongside bank financing, and investors have the opportunity to invest in real estate projects without buying the property itself in various European countries,” says Gustas Germanavičius, founder of the real estate investment platform “InRento.”
In the market context, “InRento” is also recording the fastest growth phase in its history. The platform recently surpassed the 100 million euro investment mark: the first 50 million euro phase took more than five years, while the same amount of projects financed through the platform was raised in less than a year.
Growth driven by broader geography
One of the most important factors for such growth is consistent expansion beyond Lithuania’s borders. Currently, “InRento” operates in eight European markets, allowing investors to choose from more countries, property types, and projects, while the broader supply in turn increases investor activity.
“Geographical expansion was one of the most important growth factors for us because it directly increases choice for investors. We see that more and more of them no longer want to be limited to one market – it is important for them to geographically diversify their portfolio. Growth was also strengthened by higher investor activity and a wider project offering, so expansion in Europe was not only a matter of scale but also of supply quality,” says the founder of “InRento.”
The importance of portfolio quality
However, according to G. Germanavičius, the growing crowdfunding market is not evaluated solely by the amount of investments raised. Equally important is how well platforms complete financed projects, return capital to investors, and maintain portfolio quality.
Read more In the case of burning parcels, the suspect who became a witness claimed to condemn terrorism
So far, “InRento” has returned 30.13 million euros of capital to investors and paid out 9.37 million euros in investor profits. The rates of overdue loans, overdue interest, recoveries, and failed projects on the platform are 0%. 99% of realized projects were repaid earlier than planned, and their average duration is 20 months.
“Having surpassed the 100 million euro investment mark, it is most important for us to maintain the same quality standards we have adhered to from the beginning. We evaluate projects not by how quickly they can be financed, but by whether the source of capital repayment is clear, whether there are sufficient security measures, and whether the project term and risks correspond to the return presented to investors. This discipline allows growth without sacrificing portfolio quality,” says G. Germanavičius.
According to him, in the next stage of the crowdfunding market in Lithuania, the amount raised alone will no longer be enough for investors or market supervisory authorities. Increasingly important will be how platforms justify project selection, manage risk, what repayment history they have accumulated, and how transparently they show investors from where the capital will be repaid. As the market grows, these criteria should increasingly determine which platforms maintain investor trust in the long term.
Investing involves the risk of losing part or all of the invested amount, so it is recommended to diversify investments and invest responsibly.
Read more Source in police: 16 people died in a fire at a girls’ school dormitory in Kenya
