Residencial Chamberí
Madrid · Spain
Rental
Loan term
24 months
Annual return
18%
Funded68%
Fundaro is a real estate lending platform. Investors participate in project-backed real estate loans used to finance property acquisitions in Spain and Southern Europe. Each loan is structured with asset-backed security arrangements. Target returns of up to 20% per annum, paid every quarter. Fixed terms. From €500.
Every loan on Fundaro finances the acquisition of a specific property. We run two strategies - Rental and Resale. Both pay the same fixed return. The strategy determines how Fundaro services the loan: either from rental cashflow or from sale proceeds at exit.
Fundaro acquires residential property and places it into long-term rental. Monthly rental income services your quarterly interest payments. At term end, the property is refinanced or sold and principal repayment is structured in accordance with the applicable loan terms.
Fundaro acquires undervalued residential property, renovates it, and sells at a margin. The loan is expected to be repaid from sale proceeds at exit in accordance with the applicable loan terms, along with all accrued interest. Shorter term, clean exit.
Four steps from the moment you choose a loan to the moment your loan term concludes. No moving parts the brochure hides.
Browse active loan listings. Each one shows the property, the strategy, the loan term, and the security details. You decide how much to lend and for how long.
Investor funds are allocated to a specific project account linked to the relevant property and SPV structure. The property is registered as collateral. Your participation is tied to a named asset - not a general pool.
Every quarter, Fundaro transfers your interest payment directly to your account. Target annual return divided into quarterly payments in accordance with the applicable loan terms. No reinvestment required.
At the end of your fixed term (12, 24, or 36 months), principal repayment is made in accordance with the applicable loan terms alongside the final interest payment. The loan closes.
The mechanics most platforms hide behind a login. Here is what you are actually agreeing to when you lend through Fundaro, and what protects your capital along the way.
Investor funds are transferred to dedicated project accounts linked to the relevant property and SPV structure. Funds are released only when drawdown conditions are met. Your money does not move until the conditions are verified.
Every loan has a full audit trail. Terms, payments, and performance are published transparently. We hold no information advantage over the lenders we serve.
Fundaro acts as the platform operator coordinating onboarding, project administration, compliance oversight, and project monitoring. Our role is structurally defined. Not marketing language.
Six mechanics that define how a Fundaro loan actually works - written in the same plain language we use in every loan listing.
Every loan is secured by the physical property it finances. If Fundaro were unable to service your loan, the asset can be liquidated to recover lender capital. You are not lending against a spreadsheet.
You know the term before you commit - 12, 24, or 36 months. You know the target return - up to 20% per annum. No variable rates, no lock-ups without a defined end date.
Interest is paid every quarter, into the bank account you register on the platform. No platform wallets, no reinvestment traps. Repayment timelines remain subject to the applicable loan terms and project performance.
Your rights as a lender are defined by your Loan Agreement - not by terms of service written by us. Every loan listing includes full documentation before you commit.
Every loan listing shows the property address, acquisition price, loan-to-value ratio, strategy, term, and exit plan. If we cannot explain it in plain language, we do not list it.
Track all your active loans, quarterly payments received, accrued interest, and upcoming repayment dates in one view. Export statements for your accountant.
Fundaro is in private beta with a curated cohort of first lenders. These are the numbers behind the platform as of this quarter.
Fundaro is opening to a limited second cohort this quarter. Join the waitlist to get early access to live loan listings, loan memos, and the Fundaro lender note.
Join the waitlist to get early access to live loan listings, loan memos, and the Fundaro lender note.
You're on the list. We'll be in touch when the next cohort opens - usually within two weeks.