Logo of Crowd with Us Analysis

Crowd with Us Analysis

Accredited Investors
Rank #46
Real Estate Loans
Direct Marketplace Lending

Last updated in October 2022.

What is Crowd with Us?

Crowd with Us is a well-established real estate lending platform launched in 2016 in London. It has funded £17.99m worth of loans to date - see Crowd with Us statistics for more historical performance insights.

Key Takeaways

  • An established, privately-held business with some angel investors’ backing
  • Real estate loans for accredited investors
  • High interest rates but no disclosed information on investment performance

Who is Behind Crowd with Us?

The platform is run by two co-founders and acting directors - Robert Pasternak and Rob Wilkinson. They also remain the majority shareholders (Mr Wilkinson via a limited company Rrw Investments).

In 2019, Crowd with Us raised £450k in equity investment from angel investors.

The company doesn’t publish its financial results.

Crowd with Us's Investment Product

Crowd with Us offers investments in real estate loans for accredited investors. Most loans last between 12 and 60 months and have LTV ratios between 60 and 80%. The investments typically fund the development or renovation of residential properties. The platform does not disclose the usual loan repayment structure, although some deals are designed as bonds.

Users can set up an auto-invest feature. No early exit option is available. There is also no minimum investment threshold, but the accreditation requirement and the average portfolio size of over £50,000 suggest the platform attracts rather high volumes per user.

How Much Can You Earn?

At P2PMarketData, based on API integration of all live and historical Crowd with Us loans, we have calculated the average nominal interest rate at 17.47%. The platform itself does not disclose the historical or expected returns, nor does it publish data on the default rates, late repayments, or write-offs.

The platform’s fee structure is also unknown, except for the symbolic £0.45 withdrawal fee charged from investors.

Other Considerations

The Crowd with Us founders run a podcast about various aspects of investing.