Institutional CRE, reimagined for the on-chain era
Crowdlender combines the rigor of institutional underwriting with the speed and transparency of public blockchains — from deal sourcing to your first daily distributions.
Step one
Sourcing & underwriting
Our investment team reviews more than 600 deals per year and accepts fewer than 4%. Every offering must clear a 14-point screen covering sponsor track record, asset quality, debt structure, market fundamentals, and downside resilience.
- ✓Sponsor must have $250M+ AUM and a 10+ year track record
- ✓Site visits and third-party property condition reports
- ✓Independent MAI appraisal and Phase I environmental review
- ✓Stressed downside modeling at 200 bps cap-rate expansion
Step two
Structuring the offering
Approved deals are structured as either Credit offerings (senior secured loans) or Equity offerings (LP interests). Each is wrapped into a Reg D 506(c) offering with full legal documents and EDGAR filing before any investor sees it.
- ✓Private Placement Memorandum (PPM) drafted by counsel
- ✓Operating Agreement or Loan Agreement executed
- ✓EDGAR Form D filing — publicly verifiable
- ✓ERC-3643 security token parameters configured on-chain
Step three
The investor experience
Accredited investors register online, complete KYC via Parallel Markets, and browse offerings on the marketplace. Committing capital takes minutes — review documents, e-sign the subscription agreement, and wire or send USDC.
- ✓Register and verify identity in under 10 minutes
- ✓Review PPM, operating agreement, and underwriting model
- ✓Commit capital from $5,000 — wire or USDC
- ✓E-sign subscription agreement via DocuSign
Step four
Tokenization & custody
When an offering closes, ERC-3643 (T-REX standard) security tokens are minted directly to verified investor wallets. Each token represents a fractional interest in the underlying asset. Transfer restrictions enforce Reg D compliance on-chain automatically.
- ✓ERC-3643 tokens — identity-gated, compliance-enforced
- ✓Minted to your MetaMask, Ledger, or Coinbase wallet
- ✓Equity tokens on Ethereum · Credit tokens on Polygon
- ✓Live token balances via Alchemy SDK in your dashboard
Step five
Daily distributions & reporting
every day, USDC distributions are sent directly on-chain to all token holders. Every transaction is publicly verifiable on-chain. Investors receive K-1 tax documents annually and daily investor letters.
- ✓USDC wired directly to your linked wallet — daily
- ✓Every distribution is an on-chain transaction — fully transparent
- ✓daily investor letters with property updates
- ✓Annual Schedule K-1 delivered digitally via the portal
Step six
Secondary liquidity
After the 12-month Reg D lock-up expires, investors may request token transfers to other verified accredited investors through our compliance-gated transfer process. A secondary marketplace is planned for 2027, enabling broader liquidity options.
- ✓12-month Reg D lock-up enforced on-chain by smart contract
- ✓Post-lock-up: compliance-gated peer-to-peer transfers
- ✓Recipient must be a verified accredited investor
- ✓Secondary marketplace launch planned Q1 2027
Our investment principles
Every decision we make is guided by three core commitments to our investors.
Ready to invest?
Join 4,200+ accredited investors already accessing institutional CRE through Crowdlender. daily USDC distributions start from day one.