CivisLend
Civislend is a Spanish real estate crowdfunding platform founded in 2016 and based in Madrid, operated by CIVISLEND PSFP, S.A. Investors lend to professional property developers, mostly for construction, land purchase and refinancing in Spain, with occasional projects in Portugal. The security differs from project to project and is stated on each project page: a first-rank mortgage on the asset, a surety from the developer's parent company, or a pledge of the shares in the project company. The minimum investment is 250 EUR, and investor money is held at the payment institution Lemonway. There is no secondary market, so committed capital stays in a project until it ends, and there is no auto-invest. The CNMV entered Civislend in its register of participatory funding platforms on 6 October 2017 and authorised it as a European crowdfunding service provider on 20 October 2023 under register number 8.
CivisLend in real numbers
Anonymized statistics from all CivisLend portfolios tracked on P2P Dash: real investor data, not the platform's marketing numbers.
Median net return (XIRR)
4.7%
Based on 36 investor portfolios
Middle 50% of investors
Investor sentiment
Based on 11 stated strategies
Combined portfolio value
€459,752
Investors on P2P Dash
57
Interest earned all-time
€27,360
Median cash drag
4.3%
Share of funds sitting uninvested
CivisLend returns over time
Median annual return of CivisLend investors on P2P Dash, per calendar year. Years with too few investors to publish are left out.
5.5%
2024
1.9%
2025
6.2%
2026
Is money moving into CivisLend?
Monthly deposits minus withdrawals across CivisLend investors on P2P Dash. Positive means the community is putting money in, negative means it is coming out.
Net flow, last 12 months
+€95,583
57 investors tracking
In Q3 2026, CivisLend ranks 20 of 47 platforms by net capital flow. See all capital flows for Q3 2026 →
Alternatives to CivisLend
Platforms in the same asset class, drawn from the community ranking of real portfolio data: selected by numbers, not commissions.
About this data: The figures on this page are aggregated from anonymized data that P2P Dash users import themselves, plus platform details we maintain by hand. We check both, but we cannot guarantee that they are complete or free of errors. Spotted a mistake? Write to tim@newnow.de and we will correct it.
The Best P2P Lending Platforms 2026
Every ranking on this page is aggregated from the real, anonymized portfolio data of 1,913 investors and recalculated nightly. No editorial opinion, no paid placements: the data alone sets the order.
Frequently asked questions about CivisLend
Answers based on anonymized community data from P2P Dash investors.
What is CivisLend?
CivisLend is a peer-to-peer lending platform, founded in 2016 (headquarters: Spain). On P2P Dash, investors import their CivisLend account statements to track the real net return they earn there.
What return do investors actually earn with CivisLend?
Across 36 CivisLend portfolios tracked on P2P Dash, the median net return (XIRR) is 4.7%. The middle 50% of investors earn between 2.6% and 5.8% (as of September 4, 2026).
How many investors track CivisLend on P2P Dash?
57 investors track their CivisLend portfolios on P2P Dash, with a combined portfolio value of €459,752 and €27,360 in interest earned all-time.
Are investors currently adding or withdrawing money at CivisLend?
Of 11 stated strategies for CivisLend, 36% plan to add funds or reinvest, 9% intend to hold, and 55% plan to reduce or exit (as of September 4, 2026).
Is CivisLend regulated?
Yes, CivisLend is a regulated platform supervised by CNMV.
Does CivisLend offer a buyback guarantee?
No, CivisLend does not offer a buyback guarantee, so the credit risk of each investment stays with the investor.
How do I analyze my CivisLend portfolio?
Export your transaction history from CivisLend (excel) and import it into P2P Dash for free. You get your real net return (XIRR), cash drag, income projections and more, across all your P2P platforms in one dashboard.
What are alternatives to CivisLend?
Based on the community ranking, the closest alternatives to CivisLend in the same asset class are Indemo, Fintown, Devon. Each platform page shows real median returns and investor numbers from the P2P Dash community.