Leadership

• Vicentiu Vlad — Co-Founder and Chief Executive Officer.
• Alexandru Constantin — Co-Founder and Chief Technical Officer.
• Lorena Gabăr — Chief Operating Officer.

Short Introduction

stock.estate is a Romanian fintech connecting investors with real estate developers through regulated loan-based crowdfunding. Investors can participate from €100, while developers access financing for acquisitions, construction, renovation and bridge financing.

About the Company

STOCKESTATE CROWDFUNDING S.R.L. was founded in 2022, authorised by the Romanian Financial Supervisory Authority (ASF) in August 2023 and launched the stock.estate platform commercially in 2024. The platform brings together retail and professional investors with developers seeking project financing.

Investors lend directly to project developers under campaign-specific loan agreements. The platform supports digital identity verification, access to investment documents and repayment reporting.

Each campaign sets out its terms, risks and security arrangements in its Key Investment Information Sheet and legal documents. Public platform information is also accessible to AI assistants through the Model Context Protocol (MCP).

Products & Services

• Investor platform — real estate crowdlending from €100, with campaign terms, investment documents, digital onboarding and repayment reporting.
• Developer financing — financing for acquisitions, construction, renovation and bridge needs, with indicative facilities of €100,000–€1.5 million for 3–24 months, subject to project assessment and agreed terms.
• Referral partnerships — agencies and financial or mortgage brokers can introduce developers and earn commission on funded transactions.

Collaboration Opportunities

We welcome introductions to real estate developers seeking financing and partnerships with financial brokers, mortgage brokers and property agencies.

Contact the partnerships team to discuss a developer introduction or referral partnership.

Financing in Practice

Our North Group Investments case study shows how repeated crowdfunding rounds support residential property acquisitions in Bucharest, with campaign-level terms and funding information.

Licences & Regulatory Status

STOCKESTATE CROWDFUNDING S.R.L. is authorised by the Romanian Financial Supervisory Authority (ASF) as a crowdfunding service provider under Regulation (EU) 2020/1503, for the facilitation of granting loans.

ASF authorisation no. 105/29.08.2023; public register no. PJR28FSFPR/400002. ASF register · ESMA register entry.

EU cross-border services are subject to the applicable passporting notifications.

Crowdfunding investments involve risks, including capital loss, illiquidity and delayed or missed repayments. They are not covered by deposit-guarantee or investor-compensation schemes; collateral does not guarantee repayment.

Company identifiers: CUI 45170242; EUID ROONRC.J2024005219234. Location: Voluntari, Ilfov, Romania.