Why does crowdfunding allow real estate developers to earn more?
Crowdfunding has become the standard for real estate development capital. It is chosen by both growing market players and the largest developers. The leading financing operator “Rontgen” explains what benefits are increasingly encouraging real estate development companies and owners to choose this solution as a more advantageous alternative to banks, credit unions, “loan sharks,” or operating without borrowing.
In 2025, businesses borrowed nearly EUR 400 million through crowdfunding operators. Almost a quarter of the entire market – about EUR 95 million – was raised last year through the country’s leading operator “Rontgen.”
This company finances businesses at all stages of development: purchasing plots, designing, starting construction, and after project completion. The operator also helps unlock development opportunities by pledging income-generating assets. Developers and property owners note that crowdfunding has become not just an “alternative,” but a real way to increase business scale and earn more.
“Rontgen” CEO Martynas Stankevicius comments that the stereotype of “projects too weak for banks” is long gone, and crowdfunding is used by developers of all sizes, including market leaders such as “Rinvest,” “Eika Group,” “SBA Urban,” “Citus,” “Realco,” “NordSpace,” and others.
However, a significant share of crowdfunding clients consists of mid-sized and growing developers and property owners. For them, crowdfunding allows faster growth, and once they grow, they continue using this instrument due to speed, flexibility, and other advantages.
Allows earlier acquisition
Unlike banks or credit unions, crowdfunding operators can flexibly finance land plots and also treat owned land as suitable collateral. This opportunity creates very concrete savings for developers.
“By being able to acquire land earlier, developers can design buildings according to their own structural solutions – this reduces construction costs and allows the use of favorable technologies. It is also important that early land acquisition helps avoid intermediaries, who prepare plots specifically for developers who are in a hurry and looking for a new project. Early land purchase allows you to save or earn twice,” says M. Stankevicius.
Among such examples, he mentions cases where developers who previously developed housing using their own funds eventually decided to borrow through “Rontgen” for future projects. This allowed them at the time to secure a price of EUR 3,000 per are, while now it has risen to EUR 5,000. This difference alone is ten times greater than what the business spent on interest.
Interested in success
“Rontgen” aims to help developers grow their business volume and expand sustainably. The value of this approach is long-term – confident and successfully growing developers return to the platform for new business projects, thereby creating new, promising, and sustainable opportunities for investors.
Since 2017, having built a broad network of business clients, lawyers, financing, marketing, and other partners, “Rontgen” often helps developers with valuable advice, connections, or discovering opportunities.
“A simple example: one of our business clients noticed that another developer we finance might be selling apartments too cheaply. We shared this insight, the business paused sales and reviewed pricing. An additional EUR 100 per square meter is a lot in the final result. More than once we have helped developers with joint marketing initiatives, legal advice that ultimately allowed building more ‘square meters,’ and more. We are interested in the success of our business clients, which translates into savings, higher profitability, or reduced risks for developers,” says M. Stankevicius.
Time is money
The “Rontgen” platform is also valued among developers for its speed. The entire financing process – from application submission to loan funding – in optimal cases can take about two weeks. In comparison, in banks it can take at least a couple of months.
“Even more importantly, we communicate with clients in advance. Therefore, when the time comes for a construction or acquisition loan, we can offer a quick response and solutions. We do not make clients wait or stand ‘in line.’ Speed allows for a stronger negotiating position in transactions – this way developers save or earn more,” says M. Stankevicius.
Among concrete examples of value created by speed, he mentions cases where a land seller grants a EUR 100,000 discount for immediate payment, while other developers might only be able to pay after six months.
“Special attention should also be given to project financing on the platform itself. In recent years, most projects have been funded within a few hours, and at most within a few days. This is the result of investor trust built and proven over many years,” states M. Stankevicius.
Although in the market it is theoretically possible to obtain capital quite quickly from private lenders, for smaller developers “Rontgen” emphasizes the platform’s transparency, professionalism, and financing reliability. In recent years, there have been no cases where a selected and approved project failed to attract the required funding.
More than real estate
The name “Rontgen” is associated with real estate, and the company indeed mostly finances real estate development projects. However, M. Stankevicius clarifies that the operator should more accurately be considered a general business creditor, with real estate or other valuable assets as collateral.
“We have financed a construction materials factory business, wind power projects, and aircraft repair projects. We help businesses start operations quickly. Traditional institutions require cash flow, but we can evaluate a business plan, experience, and pledged assets. Businesses that start with our help often later refinance their operations in traditional credit institutions,” says the CEO of “Rontgen.”
Support abroad
Another strong value of “Rontgen” for businesses is support in implementing development projects in foreign markets. For example, last year the operator financed projects by Lithuanian developers in Finland and Poland. Here, the main value lies in understanding the client’s experience and business plan, as foreign creditors often simply do not lend to what they see as a “foreign” business.
“Quoting one of our clients, a well-known business in Lithuania expanding in Poland, development financing costs in Poland are significantly higher than in Lithuania. Therefore, the ability to conveniently finance projects with us and later refinance them in local banks is a very effective and sustainable solution. Also, for this company, as for other clients, we allow them to focus not on bureaucracy but on project development itself,” says M. Stankevicius.
This transaction reflects “Rontgen’s” mission to help Lithuanian developers successfully implement development plans not only in Lithuania but also in foreign markets, providing the necessary financing that allows them to grow confidently, export expertise, and create added value. In turn, new markets can increase both profits and diversification for businesses.
Why clients return
“Rontgen” notes that the vast majority of its business clients are long-term. The operator welcomes refinancing of funded projects in traditional credit institutions and creates other flexible opportunities – portfolio-based project financing, changes in pledged assets, and more.
“A great compliment to us is that after completing projects or refinancing them in banks, clients develop new activities with us again – because of speed, flexibility, a partnership approach, and other values. We are also pleased when clients return after trying other alternatives, as well as when existing clients recommend us to their partners. The benefits of our lending are obvious, and the businesses that receive them appreciate it and grow together with us and our investors,” says M. Stankevicius.
Invitation to discuss
In the past year alone, “Rontgen” financed 58 unique projects and 255 of their investment stages. Last year, platform investors raised a total of EUR 94.7 million, or 45% more than in 2024.
Since 2017, the platform has raised more than EUR 272 million in capital and paid out EUR 17.3 million in interest. Throughout its history, “Rontgen” has had no cases of lost capital, and one significantly delayed project is currently being successfully recovered.
This year, the platform is seeing increased demand for real estate loans from both new and existing developers. To discuss financing opportunities, ways to act faster, and earn more, “Rontgen” invites developers and property owners to get in touch via [email protected].
Why does crowdfunding allow real estate developers to earn more?
Crowdfunding has become the standard for real estate development capital. It is chosen by both growing market players and the largest developers. The leading financing operator “Rontgen” explains what benefits are increasingly encouraging real estate development companies and owners to choose this solution as a more advantageous alternative to banks, credit unions, “loan sharks,” or operating without borrowing.
In 2025, businesses borrowed nearly EUR 400 million through crowdfunding operators. Almost a quarter of the entire market – about EUR 95 million – was raised last year through the country’s leading operator “Rontgen.”
This company finances businesses at all stages of development: purchasing plots, designing, starting construction, and after project completion. The operator also helps unlock development opportunities by pledging income-generating assets. Developers and property owners note that crowdfunding has become not just an “alternative,” but a real way to increase business scale and earn more.
“Rontgen” CEO Martynas Stankevicius comments that the stereotype of “projects too weak for banks” is long gone, and crowdfunding is used by developers of all sizes, including market leaders such as “Rinvest,” “Eika Group,” “SBA Urban,” “Citus,” “Realco,” “NordSpace,” and others.
However, a significant share of crowdfunding clients consists of mid-sized and growing developers and property owners. For them, crowdfunding allows faster growth, and once they grow, they continue using this instrument due to speed, flexibility, and other advantages.
Allows earlier acquisition
Unlike banks or credit unions, crowdfunding operators can flexibly finance land plots and also treat owned land as suitable collateral. This opportunity creates very concrete savings for developers.
“By being able to acquire land earlier, developers can design buildings according to their own structural solutions – this reduces construction costs and allows the use of favorable technologies. It is also important that early land acquisition helps avoid intermediaries, who prepare plots specifically for developers who are in a hurry and looking for a new project. Early land purchase allows you to save or earn twice,” says M. Stankevicius.
Among such examples, he mentions cases where developers who previously developed housing using their own funds eventually decided to borrow through “Rontgen” for future projects. This allowed them at the time to secure a price of EUR 3,000 per are, while now it has risen to EUR 5,000. This difference alone is ten times greater than what the business spent on interest.
Interested in success
“Rontgen” aims to help developers grow their business volume and expand sustainably. The value of this approach is long-term – confident and successfully growing developers return to the platform for new business projects, thereby creating new, promising, and sustainable opportunities for investors.
Since 2017, having built a broad network of business clients, lawyers, financing, marketing, and other partners, “Rontgen” often helps developers with valuable advice, connections, or discovering opportunities.
“A simple example: one of our business clients noticed that another developer we finance might be selling apartments too cheaply. We shared this insight, the business paused sales and reviewed pricing. An additional EUR 100 per square meter is a lot in the final result. More than once we have helped developers with joint marketing initiatives, legal advice that ultimately allowed building more ‘square meters,’ and more. We are interested in the success of our business clients, which translates into savings, higher profitability, or reduced risks for developers,” says M. Stankevicius.
Time is money
The “Rontgen” platform is also valued among developers for its speed. The entire financing process – from application submission to loan funding – in optimal cases can take about two weeks. In comparison, in banks it can take at least a couple of months.
“Even more importantly, we communicate with clients in advance. Therefore, when the time comes for a construction or acquisition loan, we can offer a quick response and solutions. We do not make clients wait or stand ‘in line.’ Speed allows for a stronger negotiating position in transactions – this way developers save or earn more,” says M. Stankevicius.
Among concrete examples of value created by speed, he mentions cases where a land seller grants a EUR 100,000 discount for immediate payment, while other developers might only be able to pay after six months.
“Special attention should also be given to project financing on the platform itself. In recent years, most projects have been funded within a few hours, and at most within a few days. This is the result of investor trust built and proven over many years,” states M. Stankevicius.
Although in the market it is theoretically possible to obtain capital quite quickly from private lenders, for smaller developers “Rontgen” emphasizes the platform’s transparency, professionalism, and financing reliability. In recent years, there have been no cases where a selected and approved project failed to attract the required funding.
More than real estate
The name “Rontgen” is associated with real estate, and the company indeed mostly finances real estate development projects. However, M. Stankevicius clarifies that the operator should more accurately be considered a general business creditor, with real estate or other valuable assets as collateral.
“We have financed a construction materials factory business, wind power projects, and aircraft repair projects. We help businesses start operations quickly. Traditional institutions require cash flow, but we can evaluate a business plan, experience, and pledged assets. Businesses that start with our help often later refinance their operations in traditional credit institutions,” says the CEO of “Rontgen.”
Support abroad
Another strong value of “Rontgen” for businesses is support in implementing development projects in foreign markets. For example, last year the operator financed projects by Lithuanian developers in Finland and Poland. Here, the main value lies in understanding the client’s experience and business plan, as foreign creditors often simply do not lend to what they see as a “foreign” business.
“Quoting one of our clients, a well-known business in Lithuania expanding in Poland, development financing costs in Poland are significantly higher than in Lithuania. Therefore, the ability to conveniently finance projects with us and later refinance them in local banks is a very effective and sustainable solution. Also, for this company, as for other clients, we allow them to focus not on bureaucracy but on project development itself,” says M. Stankevicius.
This transaction reflects “Rontgen’s” mission to help Lithuanian developers successfully implement development plans not only in Lithuania but also in foreign markets, providing the necessary financing that allows them to grow confidently, export expertise, and create added value. In turn, new markets can increase both profits and diversification for businesses.
Why clients return
“Rontgen” notes that the vast majority of its business clients are long-term. The operator welcomes refinancing of funded projects in traditional credit institutions and creates other flexible opportunities – portfolio-based project financing, changes in pledged assets, and more.
“A great compliment to us is that after completing projects or refinancing them in banks, clients develop new activities with us again – because of speed, flexibility, a partnership approach, and other values. We are also pleased when clients return after trying other alternatives, as well as when existing clients recommend us to their partners. The benefits of our lending are obvious, and the businesses that receive them appreciate it and grow together with us and our investors,” says M. Stankevicius.
Invitation to discuss
In the past year alone, “Rontgen” financed 58 unique projects and 255 of their investment stages. Last year, platform investors raised a total of EUR 94.7 million, or 45% more than in 2024.
Since 2017, the platform has raised more than EUR 272 million in capital and paid out EUR 17.3 million in interest. Throughout its history, “Rontgen” has had no cases of lost capital, and one significantly delayed project is currently being successfully recovered.
This year, the platform is seeing increased demand for real estate loans from both new and existing developers. To discuss financing opportunities, ways to act faster, and earn more, “Rontgen” invites developers and property owners to get in touch via [email protected].
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"Trečia diena" UAB, which operates the Röntgen platform, is a licensed crowdfunding platform. The platform is governed by the EU Crowdfunding Regulation and is supervised by the Bank of Lithuania in accordance with the law.