Reinvest24 Review 2026: Real Estate P2P Platform with No Regulator

Why Reinvest24 scores 22 out of 50

Investor protection: 2/10

Reinvest24 operates without a regulator or licence. This places it at the bottom tier of our investor protection scale, alongside Hive5, PeerBerry, Robocash, Loanch, Reinvest24 and Scramble - all of which score 2/10 or lower on this criterion. Platforms with MiFID II licences from recognised EU regulators score 10/10; those with ECSP licences score 8/10; those with a Swiss SRO AML-only arrangement score 4/10. A platform with no oversight at all scores only 2/10. No compensation scheme covers borrower defaults or platform insolvency on Reinvest24, and there is no supervisory authority reviewing its operations. This does not mean the platform is fraudulent, but it does mean investors carry the full structural risk without regulatory recourse. Capital is at risk of partial or total loss.

Track record: 6/10

Reinvest24 was founded in 2018 and reports EUR 26M in outstanding volume. Eight years of operation and a volume figure in the tens of millions earn a mid-range score on track record, but the platform has not crossed the thresholds required for a higher score - typically a decade or more in operation and reported volumes in the hundreds of millions. It does not offer a buyback guarantee, so there is no established history of buyback performance to assess. The platform has remained operational through its existence, but the relatively short track record and moderate volume limit this criterion to 6/10.

Return transparency: 0/10

Reinvest24 does not consistently publish a platform-wide target return range. Individual project pages may show estimated yields for specific real estate investments, but there is no advertised return figure maintained on the platform's main pages or promotional material. Our return transparency criterion awards higher scores to platforms that publish a narrow, consistent range (such as 9-11% or 10-12%); those with wide ranges (such as 7-14% or 10-18%) score lower; and those with no published range at all score 0/10. Reinvest24 falls into this last category. This is a significant disadvantage when investors are comparing multiple platforms and want a clear expectation of what returns they are targeting before registering.

Structural clarity: 6/10

Reinvest24 focuses exclusively on real estate projects. This single-asset-class approach scores moderately on structural clarity - the platform's offering is straightforward, but it lacks the diversification across loan types (consumer, business, invoice, agricultural, bonds) that platforms like Mintos or Twino provide. The platform reports EUR 26M in outstanding volume, which is a snapshot of current holdings rather than a cumulative total. Platforms that report cumulative originated volume tend to score higher on this criterion because cumulative reporting provides more historical context. Reinvest24's real estate focus is clear, but the limited loan-type diversity and snapshot reporting keep this score at 6/10.

Liquidity and exit: 8/10

Reinvest24 operates a secondary market where investors can list their holdings for sale to other users. This is a significant liquidity advantage and contributes to the platform's 8/10 score on this criterion - the highest score it achieves across all five criteria. The minimum investment of EUR 100 is higher than the EUR 10 or EUR 50 entry points on many competing platforms, which introduces a small downward adjustment, but the presence of an active secondary market still puts Reinvest24 ahead of platforms with no secondary market at all (such as Nectaro, Lendermarket, Indemo or Profitus). Real estate projects typically have longer loan terms than consumer or business loans, so secondary market access is especially important for investors who may need to exit before maturity.

How investing on Reinvest24 works

1. Register and verify identity

   Open an account on the Reinvest24 website and complete identity verification. This typically involves uploading a government-issued ID and proof of address. The platform must confirm your details before you can deposit funds.

2. Deposit funds

   Transfer money to your Reinvest24 account via bank transfer. The minimum investment per project is EUR 100. Check the platform's current deposit options and processing times before funding your account.

3. Browse real estate projects

   Review the list of active real estate opportunities. Each project page shows loan details, estimated yield, loan term and property information. Because Reinvest24 does not publish a platform-wide target return, you must evaluate each project individually.

4. Invest manually or use auto-invest

   Select projects manually or configure an auto-invest function if available. Real estate loans typically run for months or years, so expect capital to be locked in unless you use the secondary market.

5. Monitor and reinvest or withdraw

   Track your portfolio through the platform dashboard. When loans repay, you can reinvest in new projects or withdraw funds. Use the secondary market to sell holdings before maturity if you need liquidity.

Who Reinvest24 suits

Reinvest24 may suit investors who accept the absence of regulatory oversight in exchange for access to real estate crowdfunding with secondary market liquidity. The platform's 22/50 score places it near the bottom of our ranking, primarily because it has no regulator and no published target return. Investors who prioritise regulatory protection will find higher-scoring alternatives such as EstateGuru (13th, ECSP-regulated) or InRento (10th, also ECSP-regulated). Those who want clear return expectations before opening an account will prefer platforms that publish consistent target ranges. Reinvest24's secondary market is its strongest feature, but the lack of transparency and oversight means this platform is not suitable for investors seeking maximum structural safety. Compare your options carefully using our full review list before committing capital to any platform. Capital is at risk of partial or total loss on all P2P lending platforms, and no compensation scheme covers borrower defaults on Reinvest24.

How Reinvest24 compares

Reinvest24 ranks 18th of 19 platforms on crowdhive-reviews.com, scoring 22 out of 50 points. Only one platform (Scramble, 20/50) scores lower. For context, the top-ranked platform (Mintos) scores 48/50 with a MiFID II licence, diversified loan types and a published 9-11% return range. Other real estate-focused competitors such as EstateGuru (13th, 35/50, ECSP-regulated) and InRento (10th, 37/50, also ECSP-regulated) score significantly higher due to regulatory oversight and clearer return transparency. If you are comparing real estate P2P platforms, those two are stronger choices on our scoring method. You can also compare Reinvest24 directly with other platforms on our versus pages to see exactly where each one wins on specific criteria.

Verdict

Reinvest24 scores 22 out of 50 points and ranks 18th of 19 platforms on crowdhive-reviews.com. The platform's two major weaknesses are its lack of regulatory oversight (2/10 on investor protection) and its failure to publish a consistent target return (0/10 on return transparency). Its secondary market is a genuine liquidity advantage, earning 8/10 on that criterion, but this alone cannot compensate for the structural gaps elsewhere. Investors considering Reinvest24 should compare it directly with other real estate platforms such as EstateGuru or InRento, both of which hold ECSP licences and publish clearer return expectations. Our scores are editorial opinion based on a published method and are reviewed regularly. Capital is at risk of partial or total loss on all P2P lending platforms, and no compensation scheme covers borrower defaults on Reinvest24.