Frequently Asked Questions

URBIX is a fintech company specializing in financing real estate projects across Spain. We connect investors with promising real estate opportunities through equity investments and loans, aiming to provide attractive returns for investors while helping developers secure funding.

Yes, URBIX operates as a Participatory Financing Services Platform (PFSP) under Spain’s Law 5/2015, which promotes business financing. Currently, we are awaiting official authorization from the CNMV (Spain’s National Securities Market Commission) to function as a PFSP. Until this authorization is obtained, we are only engaging in marketing activities with investors and real estate developers—no transactions or fund transfers are taking place.

Our team of analysts rigorously reviews each project submitted by developers. Only those that meet URBIX's standards are published on the platform for investors. The evaluation process follows several key stages to minimize risk:

• Initial Screening: We thoroughly vet real estate opportunities based on factors like location, feasibility, and developer credentials.
• Risk Assessment: A comprehensive analysis of each project's risks, including real estate market trends and financial viability, is conducted.
• Ongoing Monitoring: Once a project begins, URBIX tracks its progress closely, monitoring milestones, costs, and any changes that could impact the outcome.

These steps are designed to ensure transparency, security, and risk management for every investment opportunity on our platform.

For Individuals:
You’ll need to provide your name, address, email, and phone number. To start investing, you'll also need to validate your account via our payment provider, Lemonway, by uploading a photo of your ID, NIE, or passport for identity verification.
For Legal Entities:
The process is quick and easy. You'll need to provide the representative's name, company name, address, CIF (company tax ID), company email, and phone number.

To make a deposit, your account must be validated through Lemonway by providing a photo of your ID, NIE, or passport. For legal entities, you’ll also need to submit the company’s articles of incorporation and a certificate from the commercial register or proof of recent tax payments.

To withdraw funds, you’ll need to provide a document verifying your bank account ownership so Lemonway can approve the transaction and process the payment.

Currently, we are focusing on Spain and have applied for CNMV authorization to attract investors here. Until this process is finished, we are only conducting marketing activities and are not engaging in transactions or accepting funds.

All investor funds are held in accounts under your name with Lemonway, an independent payment provider. Therefore, in the unlikely event that URBIX suspends operations, your funds remain secure and unaffected. Additionally, we have agreements in place with another entity to manage your investments and projects to completion if necessary.

As with any investment, returns are not guaranteed and depend on the specifics of each project and market conditions.
Developers set target returns for each project, and our team of analysts carefully reviews these targets to assess their feasibility.
Typically, we aim for a gross annual return target of 10% to 15% through capital appreciation, with project timelines ranging from 12 to 36 months. Actual returns may vary based on the amounts invested and the guarantees in place.
It's important to note that these figures can fluctuate depending on the unique characteristics of each project.
Always remember that all investments carry risks, so it’s crucial to thoroughly evaluate each opportunity before making any decisions.

In CrowdLending, the return and repayment timeline are defined in the notarial contract and depend on the successful completion of the financing deal.

For capital appreciation projects, the main risks include:

• Time risk: The developer might take longer than expected to complete the project, either due to overly optimistic estimates or delays in obtaining permits or financing.
• Cost risk: Construction costs could increase, and these costs might not be passed on to property sale prices, affecting profitability.
• Commercial risk: The developer may take longer than anticipated to sell the properties or may need to sell them at a lower price than originally projected.

For debt projects, the primary risk is non-repayment. If the developer cannot repay the principal and interest, it may be necessary to enforce the loan guarantees and sell assets to recover investor capital.
In rental projects, the main risk is tenant-related. A tenant may vacate the property early, requiring time to find a replacement, which could impact rental terms.
In the worst-case scenario, these risks could lead to a partial or total loss of your investment, or temporary illiquidity during the project’s term. It’s essential for investors to carefully assess and understand these risks before committing to an investment.

When an investor commits to a project, they accept the inherent risks and potential returns. Key risks include not achieving the expected returns, liquidity issues, potential dilution, or even the loss of the principal amount invested.
At URBIX, we work to minimise these risks by thoroughly vetting and filtering projects. We only publish opportunities that meet our strict quality and solvency standards to help maximize investor outcomes.

No, investments are not insured, but all projects include guarantees to protect investors. If a developer defaults, URBIX will take the necessary steps to enforce these guarantees.

Before any project is listed, our professional team rigorously evaluates each proposal to mitigate risks for investors. Additionally, external independent professionals also review the projects for added security.

You can access all project documentation in your private account area. Additionally, developers provide quarterly updates on the progress of each project, ensuring you stay informed throughout the investment lifecycle.
This transparency allows you to closely monitor your investments and make well-informed decisions as projects evolve.

The absolute first step for your client is to get approved for a mortgage. Without being approved for a mortgage it will be quite difficult, if not impossible, to purchase a new home. If a potential client reaches out to you, have them go through the tenant screening process and then guide them to a reputable mortgage corporation and advisor that you trust.