Answers to the questions investors ask most

All Crowdlender offerings are limited to U.S. accredited investors. We verify accreditation in line with SEC Rule 506(c) requirements before any commitment is accepted. International accredited investors may participate where local rules permit.

Because our offerings are made under Rule 506(c), accreditation must be verified — self-certification alone is not sufficient. Crowdlender uses a third-party verification process; you provide documentation or have a qualified third party (such as your CPA or attorney) confirm your status. Verification is completed once and applies across offerings during its valid period.

The platform minimum is $5,000. Certain offerings set a higher minimum based on the deal — for example, some transactions start at $100,000. Each offering page displays its minimum prominently.

You hold a fractional participation in the underlying loan or facility, held through a special-purpose vehicle. Your participation is a contractual interest entitling you to your pro-rata share of interest and principal, recorded and administered by Crowdlender for the full life of the investment.

Every offering is independently reviewed before it is listed. We evaluate the sponsor or borrower, the collateral or revenue supporting repayment, the structure, and the downside. Only a small fraction of the opportunities we review are offered to investors. Our screen is collateral-first and disciplined, but review is not a guarantee against loss.

Yes. These are speculative, illiquid private investments, and you can lose some or all of your principal. Collateral and structure are designed to reduce downside, but they do not eliminate it — a borrower can default, and recovery is never guaranteed. Invest only what you can afford to hold for the full term and potentially lose, and review each offering's documents in full.

Distributions are paid by ACH to your linked bank account, on the schedule disclosed in each offering. Your return comes from your pro-rata share of the interest and principal paid on the underlying loan or facility.

None. Investors are charged no platform or management fee, and one hundred percent of your committed capital is put to work in the investment. Crowdlender is compensated at the sponsor level by the company raising capital, not by you. Full fee details are disclosed in each offering's documents.

These are long-term, illiquid investments intended to be held to maturity, and liquidity is not guaranteed. If you wish to exit, your interest is first offered to the other investors in that specific deal, then to Crowdlender, and then to other accredited investors within the Crowdlender platform who may not be in that deal. Any transfer is subject to the terms of the offering documents and to manager approval, including verification that any buyer is an accredited investor. It is a structured opportunity to exit, not a promise of one.

Most investments are held through a special-purpose vehicle treated as a pass-through, so income flows through to you and you typically receive a Schedule K-1 annually for that investment. Tax treatment depends on the structure of each offering and your own circumstances. Crowdlender does not provide tax advice — please consult your own tax advisor.

Committed funds are held in escrow by an independent, registered escrow agent and are only released when the offering's closing conditions are met. Crowdlender does not take custody of your funds. If an offering does not close, escrowed funds are returned per the terms of that offering.

Crowdlender handles investor relations, servicing, distributions, and reporting for the full life of every investment. You receive your executed documents, ongoing communications, periodic reporting on the investment, and access to the team throughout the hold.

Each investment is held through a separate special-purpose vehicle, distinct from Crowdlender's own operations, with an independent escrow and administration arrangement. Your contractual interest in the underlying loan or facility is unaffected by Crowdlender's corporate status, and arrangements are intended to allow servicing to continue.

Create an account, complete accredited-investor verification once, and you can review live offerings and their full documentation. When you find an offering that fits, you commit, sign electronically, and fund into escrow. The investor relations team is available at any step.