Fintown P2P Lending Review 2025 – Real Estate Investment Platform with 8–15% Returns
- Velocity
- May 9, 2024
- 3 min read
Updated: Oct 3, 2025
At a Glance
Platform: Fintown (Czech Republic)
Focus: Short-term rental properties & development loans
Annual Returns: 8–15%
Key Strengths: Operational high-occupancy assets, monthly interest payouts, experienced management
Launch: 2023
Risk Profile: Young platform, mostly unsecured loans, limited diversification
Ideal For: Investors seeking geographic diversification and exposure to income-generating real estate.
Full review follows.
1. Overview
Fintown is a niche crowdfunding platform that allows investors to participate in rental properties offering profit of up to 15% annually. Since its launch in March 2023, the platform has maintained consistent monthly interest payouts without delays.
Fintown distinguishes itself by focusing on fully operational, high-occupancy short-term rentals in Prague, enabling immediate cash flow for investors.
Key takeaways:
Attractive risk-return profile
Exposure to operating rental units
High occupancy and strong guest ratings
Transparent, growth-focused model
Bullet development loans repaid at maturity
All projects are managed by the Vihorev Group, an experienced local developer.
2. Pros and Cons
✅ Pros | ❌ Cons |
|---|---|
Managed by a seasoned Prague-based developer | Limited diversification |
Track record of timely repayments | Early exit fees apply |
Competitive yields | Mostly unsecured loan structures |
Low entry point (€1 minimum) | |
Monthly interest payouts | |
Corporate investment option available |
3. Overall Assessment
While Fintown is unregulated under Czech law, the operating company has prior experience in both real estate and crowdfunding. Early performance suggests a strong risk-return balance, though the platform’s long-term stability remains to be tested as it scales.
4. Requirements
Be at least 18 years old
Transfer funds from an EU bank account
Verify identity
Deposit EUR using a unique reference code
Deposits in non-EUR currencies may incur a €20 fee; mislabelled transfers can result in a €10 charge. Fintown’s accounts are held with Ceska Sporitelna, a major Czech bank.
5. Risk and Return
Fintown provides updated performance data for its rental portfolio, which primarily consists of Prague-based properties managed by Vihorev Group. Short-term rental demand in central Prague remains strong, with comparable nightly rates on major booking platforms. The main operational risk is exposure to variable interest rates on senior loans, which can impact profitability. Management has mitigated this by adjusting rental pricing when necessary.
6. Investment Structure
Fintown offers:
Mezzanine rental loans: Backed by property cash flow but subordinated to senior debt. In the event of default, the borrower's assets will be sold to satisfy the senior loan (e.g., a mortgage) prior to covering any subordinated debt.
Development participations: Short-term bullet loans for new projects
Some projects transition from development to “early rental,” where investors initially fund construction and later receive monthly payouts once operations begin.
7. Liquidity Management
There is currently no secondary market for trading investments. Early exits are possible upon request with Early Exit 2.0 Program but carry significant fees and conditions: Core Terms
Minimum payout: €100 per project.
Lock-in period: No exits allowed during the first 6 months.
Processing time: Up to 30 days.
Exit options: Partial or full withdrawal allowed.
Interest: Accrued interest up to exit date is deducted.
Frequency: 1 exit request every 90 days per project.
Exit Policy & Fees
After 12 months: No fee (max 50% of outstanding principal).
6–12 months: 10% fee (max 50% of outstanding principal).
Over 50% withdrawal: Extra 10% fee applies regardless of timing.
8. Equity Refinancing
Investor funds often refinance the developer’s equity, which is then reinvested into new projects. Fintown retains at least 20% equity in each rental unit, aligning interests between the platform and investors.
9. Fintown vs. Competitors
Unlike platforms that fund new developments or renovations, Fintown primarily lists income-generating units with immediate returns. Its yields (8–12%) are higher than typical rental platforms like InRento (5–7%) and competitive with Lithuanian platforms such as Crowdpear.
10. Safety and Management
Fintown was co-founded by Maxim Vihorev and Vladislav Siganevich. Vihorev has been active in Czech real estate since 2008, while Siganevich brings experience from consumer lending and P2P platforms.
The platform’s loans are backed by a corporate guarantee from Vihorev Group. Although not regulated under a specific Czech crowdfunding framework, legal documentation and prior crowdfunding track record appear credible.
Corporate guarantee serves as a form of security for investors, particularly in the absence of traditional collateral like mortgages. In essence, if the borrower defaults on a loan, the corporate guarantee provides investors with a claim against the guarantor, the Vihorev Group, to recover their investment.
11. Support
Support is responsive for a small platform, with founders directly handling complex queries. Communication channels include email, live chat, and a Telegram group.
12. Usability
The interface is simple and functional, with clear portfolio and investment overviews. Planned upgrades include a statistics dashboard, audited financials, and a secondary market.
Conclusion
Fintown offers a niche opportunity for P2P investors seeking exposure to operational short-term rentals in Prague with attractive yields and immediate cash flow. The platform’s transparent structure and experienced management add credibility, though as a young platform, long-term performance and liquidity remain key factors to watch.
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