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Your savings at
deserve the best opportunities.

Our expertise in selecting investments to help grow your wealth.

Private Real Estate Debt

SCPI

Life Insurance

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Life Insurance

Designed for your

Heritage

DURATION

Long-term

RISK

Mastered

Non-binding promotional information

SCROLL

AMF-Approved

since 2014

Partner

50 000

members

Location

European

About

Since 2014, we have been redefining the rules of investing to make it accessible to everyone.

Raizers simplifies and diversifies your portfolio. Real estate crowdfunding, life insurance, real estate investment trusts (SCPI), and venture capital mutual funds (FCPR): we select the financial products best suited to your needs to give you access to clear, transparent, and well-managed investments.

Our History

450M€

Investing since 2014

in carefully selected financial products

50k+

Active Members

Individuals and businesses who trust us

53M€

Interest Paid

to our investor community regarding all repaid private real estate debt projects

Mobile app

Invest from anywhere withthe Raizers app.

Track your trades, receive your trading opportunities, and invest in just a few minutes—all directly from your phone.

A person holding a smartphone displaying a financial dashboard in French that shows the balance, principal, interest, and opportunities.

OUR PRODUCTS

Take your savings in a new direction

From real estate crowdfunding to exchange-traded funds (ETFs) and life insurance, gain access to all asset classes at
—all from a single platform.

Real Estate Crowdfunding

Invest in carefully selected real estate projects
. Attractive returns, controlled investment horizons.

Starting at €100

8–12% per year

Discover

Life Insurance

Multi-fund policy purchased from Generali with a guaranteed euro-denominated fund and over 500 selected unit-linked funds.

Tax benefit

€0 admission fee

Discover

SCPI

Invest in pooled commercial real estate. Quarterly income, 100% outsourced management.

4–6% per year

Regular income

Discover

ETF

A single product for investing anywhere in the world: stocks, sectors, and themes. Simple, diversified, and low-cost.

Reduced fees

Diversified

Discover

Structured Products

Aim for a potential return based on a defined market scenario, with an appropriate level of protection. (Complex financial instrument).

Diversification

Custom-made

Discover

Other Products

Private equity, physical gold, money market funds, or a Retirement Savings Plan to diversify your assets.

Private equity

Monetary Fund

Discover

Investing in unit-linked products carries a risk of capital loss, as their value is subject to fluctuations—both upward and downward—depending, in particular, on developments in the financial markets. The insurer commits to the number of units but not to their value, which it does not guarantee.

High-Risk Mutual Funds are diversification tools intended for experienced investors. These products are inherently risky and should not account for more than 5% to 10% of your financial assets.
The net asset value of the funds may not reflect the potential of the assets in the portfolio over the life of the funds and may not take into account possible changes in their value.

Complex financial instruments are designed for investors who have a long-term investment horizon and sufficient knowledge of financial markets, their operations and risks, and the asset class of the underlying instrument, or who have been advised on these matters by a professional.

OPPORTUNITIES

In progress

Carefully selected investment products, available now.

View all fundraisers

Private Real Estate Debt

Cannes

France

collected

Palm Beach Penthouse - Cannes

Management of a luxury penthouse located at 37 Avenue des Hespérides in Cannes during the period it is on the market

Min. invest.

1 000€

Duration

24 months

Rate

11 %

View the opportunity

In progress

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Bond Fund

IVO Emerging Markets Corporate Debt

A bond fund specializing in corporate debt from emerging markets.

Risk

2/7

Yield

+8.53% per year*

Recommended duration

At least 3 years

View the opportunity

In progress

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Alternative Fund

Helium Performance B EUR

Funds that aim for steady performance, with little dependence on the stock markets.

Recommended duration

At least 3 years

Yield

+4.9% per year*

Risk

2/7

View the opportunity

In progress

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Bond Fund

Carmignac Portfolio Credit

An actively managed global bond fund capable of investing in various credit segments based on market opportunities.

Risk

2/7

Recommended duration

At least 3 years

Yield

+7.1% per year*

View the opportunity

In progress

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Private Real Estate Debt

Roubaix

France

collected

Coliving in Roubaix by RC INVEST

Renovation of a building complex to create 28 furnished student apartments

Min. invest.

1 000€

Duration

24 months

Rate

11,5%

View the opportunity

In progress

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We don't have any ongoing projects.

OPPORTUNITIES

Our Projects

Carefully selected investment products, available now.

View all fundraisers

Private Real Estate Debt

Villaviciosa de Odón

Spain

100

collected

Olivares by Grupo Index

Financing the Development of a Student Residence Near Madrid

Min. invest.

1 000€

Duration

24 months

Rate

11,5%

Funded

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Private Real Estate Debt

Biurrun – Olcoz

Spain

100

collected

Aranea by Inversiones Polandrius

Financing a real estate development project near Pamplona

Min. invest.

1 000€

Duration

12 months

Rate

11,5%

Funded

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Private Real Estate Debt

Peñiscola

Spain

100

collected

Atalayas by Piemont Capital

Funding for the construction of two modular villas.

Min. invest.

1 000€

Duration

24 months

Rate

12%

Funded

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Private Real Estate Debt

Córdoba

Spain

100

collected

Ronquillo by Ribera City Homes

Real estate development of 9 housing units in Córdoba

Min. invest.

1 000€

Duration

18 months

Rate

11%

Funded

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Private Real Estate Debt

Sant Esteve Sesrovires

Spain

100

collected

Masia Bach Golf Course by BLM

Financing a Real Estate Development Project in the Province of Barcelona

Min. invest.

1 000€

Duration

24 months

Rate

11,5%

Funded

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Private Real Estate Debt

Madrid

Spain

100

collected

Pilar de Zaragoza by Sun One Investments

Financing for a Real Estate Development Project in Madrid

Min. invest.

1 000€

Duration

18 months

Rate

10,5%

Funded

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Private Real Estate Debt

Córdoba

Spain

100

collected

Palacio Arenales by Grupo Moreno

Real estate development of 12 apartments in Córdoba

Min. invest.

1 000€

Duration

24 months

Rate

11,5%

Funded

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Private Real Estate Debt

Tacoronte

Spain

100

collected

Terrazas del Lomo by Cenario Menceyes

Real estate development of 22 apartments in Tenerife

Funded

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Private Real Estate Debt

Barcelona

Spain

100

collected

Padilla by Grupo Saphi

Conversion of an office floor into 4 apartments in the heart of Barcelona

Min. invest.

1 000€

Duration

18 months

Rate

11%

Funded

This is some text inside a div block.

We don't have any ongoing projects.

Raizers X Generali:
—A Partnership Dedicated to Your Financial Well-Being

In partnership with Generali, one of Europe's leading insurers, Raizers gives you access to a well-established life insurance policy, enhanced by its selection of investment solutions.

Generali, a leading insurer

A policy underwritten by a major European insurance company.

Flexibility of Life Insurance

Flexible contributions, special tax treatment, and simplified transfer.

Raizers Selection

ETFs, mutual funds, real assets, and structured products.

500+ investment vehicles

A wide range of units of account in a single contract.

3,20%

Net return on the Netissima euro fund paid out for the year 2024.

Minimum payment

1 000 €

Deposit Fees

0 €

Management Fees

Starting at 0.85% per year

Accessible Investment Vehicles

500+

Raizers Selection

Open Management

Past performance is not indicative of future results and is not consistent over time.
We invite you to review information regarding the non-financial characteristics of the investment vehicles in your policy via this link.
*Net return on the euro-denominated fund, excluding management fees, for the year 2024. Past performance is not indicative of future results.

SMARTINVEST

Discover Smartinvest Raizers

Set your crowdfunding investment preferences, and Smartinvest will take care of the rest.

Invest automatically, based on your criteria, starting at €100!

Your money is invested in transactions that match your profile and the criteria you have defined.

Time savings

SmartInvest monitors opportunities and invests on your behalf, 24 hours a day.

Custom-made

Country, transaction type, rate, duration: Your criteria have been met.

4-Day Cancellation Period

Every automatic investment comes with a 4-day cooling-off period.

WHY RAIZERS

Rethinking Investment, from A to Z

Three principles that have guided every decision we've made since 2014.

A Rigorous Selection Process Since 2014

We don't aim to offer everything, but rather to highlight what deserves your attention.

We analyze a broad range of opportunities to narrow them down to a select few: private real estate debt, life insurance, structured products, real estate, or private equity. Less volume, higher standards.

SELECTION RATE

Selected Rejected

Invest in a secure environment

Your data, your transactions, and your financial flows are protected.

Before we talk about returns, we ensure the process is secure: data protection, profile verification, clear documentation, and long-term investment tracking.

Protected Data

Ongoing Investment

Clear Reporting

Transparent fees, no surprises

No unpleasant surprises: you know exactly what you're paying.

0 € in initial fees on private real estate debt. 0.90% in management fees on life insurance. No switching fees. You know exactly what you’re paying.

COMPARISON OF ENTRANCE FEES

Raizers

Platform A

Platform B

Platform C

TESTIMONIALS

What Our Investors Say

More than 50,000 customers trust us. Here's why.

★

So far, I have invested in two transactions, both in Spain. I find Raizers' loans to be generally well-structured and to offer a reasonable risk-return profile.

Jorge.E

★

I found the entire process to be professional.

Jesús Sánchez.T

★

Everything is in order on a regulated platform that also offers trading in the Spanish real estate sector.

Francisco.P

★

Professional team, thorough assessment of operations, good direct communication with management. They inspire confidence.

★

I've had an excellent experience as an investor with Raizers. I'd like to highlight the close relationship with the management team, the thorough analysis of operations, and the rigorous selection of projects—which involves ruling out many opportunities that don't meet their standards.

Esther.R

★

I've found it very easy to invest with Raizers. This is my first project with them. They provide a wealth of information about each project, with a special focus on the guarantees. I'm confident everything will go well. Fernando María Cabanyes

Fernando

★

I receive my interest payments regularly; there are no fees for investors, and the reporting is clear.

Bruni.L

★

Projects, along with all their documents, are generally available for review two days before the fundraising campaign begins, which gives you time to review them (unlike other platforms).

Elodie

★

The investment robot for amounts as low as €100: great for diversifying your investments.

Morgane.B

★

Many job openings, updated regularly. Competitive pay and a variety of projects.

Micka.N

★

Great platform—I haven't been disappointed so far, and I highly recommend it!

Gwenaelle.C

★

As a long-time user of this crowdfunding platform, I've never been disappointed. Raizers has demonstrated professionalism not only in selecting projects but also in handling disputes.

Francois.K

★

Raizers offers investments in bonds or loans backed primarily by real estate. The investment opportunities offered are the result of an in-depth analysis conducted by Raizers.

Maxime.B

★

Smooth user interface. Detailed and clearly explained projects. Contact persons are available to answer questions / prompt email responses

Alexandre

★

Intuitive platform and clear project overview.

Thierry.L

★

An excellent investment tool. Efficient, user-friendly, and reliable. A top-notch customer experience

Alban.V

Join over 50,000 members

Start putting your savingsto work

Open your account quickly and gain access to all of our investment opportunities.

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100% secure

AMF Approvals

and ORIAS

No obligation

Free

Raizers SAS, a crowdfunding service provider authorized by the French Financial Markets Authority (AMF) under number FP-2023-5.
Disclaimer: Investing in stocks or bonds or lending money to companies involves a significant risk of partial or total loss of principal, as well as a risk of illiquidity. Do not lend more than you can afford to lose.

Raizers SA, a brokerage firm incorporated under Swiss law
The Financial Services Ombudsman (FINSOM) is a specialized mediation body that administers a mediation system for business and commercial relationships in the financial services sector, recognized by the Federal Department of Finance (FDF) under the Swiss Financial Services Act (FSIA).

Raizers Patrimoine, an insurance broker (COA) registered with ORIAS under number 26005767, regulated by the French Prudential Supervision and Resolution Authority (ACPR).
Member of the ENDYA Association, whose mediator is La Médiation de l’Assurance—TSA 50110—75441 Paris Cedex 09
Disclaimer: Unit-linked investment products carry a risk of capital loss. Past performance is not indicative of future results.

Your savings atdeserve the best opportunities.

Since 2014, we have been redefining the rules of investing to make it accessible to everyone.

450M€

50k+

53M€

Invest from anywhere withthe Raizers app.

Take your savings in a new direction

Real Estate Crowdfunding

Life Insurance

SCPI

ETF

Structured Products

Other Products

In progress

Palm Beach Penthouse - Cannes

IVO Emerging Markets Corporate Debt

Helium Performance B EUR

Carmignac Portfolio Credit

Coliving in Roubaix by RC INVEST

Our Projects

Olivares by Grupo Index

Aranea by Inversiones Polandrius

Atalayas by Piemont Capital

Ronquillo by Ribera City Homes

Masia Bach Golf Course by BLM

Pilar de Zaragoza by Sun One Investments

Palacio Arenales by Grupo Moreno

Terrazas del Lomo by Cenario Menceyes

Padilla by Grupo Saphi

Raizers X Generali:—A Partnership Dedicated to Your Financial Well-Being

Discover Smartinvest Raizers

Invest automatically, based on your criteria, starting at €100!

Time savings

Custom-made

4-Day Cancellation Period

Rethinking Investment, from A to Z

A Rigorous Selection Process Since 2014

Invest in a secure environment

Transparent fees, no surprises

What Our Investors Say

Start putting your savingsto work

Your savings at
deserve the best opportunities.

Raizers X Generali:
—A Partnership Dedicated to Your Financial Well-Being