Re-Lender

At a Glance

What is Re-Lender in 60 Seconds

Re-Lender is an Italian lending crowdfunding platform launched in 2019, headquartered in Potenza with offices in Milan and Madrid. Its theme is reconversion: financing projects that repurpose or transform assets across real estate, industrial, ecological and technological sectors. Investors lend from EUR 50 per project and earn interest at an average rate of around 9%.

The platform was authorised as a European Crowdfunding Service Provider (ECSP) under Consob, the Italian securities regulator. That status is currently in liquidation, which is a material fact investors must weigh before committing any new capital.

Strengths

• Distinctive reconversion focus spanning real estate, industrial, ecological and technological projects.
• Low minimum of EUR 50 per project, which supports diversification across deals.
• Average advertised rate of around 9%, competitive within Italian lending crowdfunding.
• Was authorised under the EU ECSP regime with Consob oversight.
• A presence across Potenza, Milan and Madrid rather than a single location.

Things to Watch

• The platform’s ECSP licence is in liquidation, which is the single most important fact here and a strong reason for caution.
• Liquidation raises real questions about the continuity of operations, servicing of existing loans and recovery of outstanding capital.
• Reconversion projects across industrial and property assets are inherently complex and can face delays or cost overruns.
• Loans are illiquid; in a liquidation scenario, exiting or recovering funds can be slow and uncertain.
• The advertised 9% average is gross and does not reflect what investors may ultimately recover.

How It Works

Re-Lender operates a lending crowdfunding model built around reconversion projects. Borrowers seeking to repurpose or transform assets, whether real estate, industrial sites, ecological ventures or technology, list their financing needs on the platform. Investors lend from EUR 50 per project, pooling capital with others, and the borrower repays interest and principal over the loan term at an average rate of around 9%.

The reconversion theme is what distinguishes the platform from generic property or business lenders, but it also concentrates risk in projects that depend on successful transformation of an underlying asset. With the platform’s authorisation in liquidation, the servicing of these loans and the process for handling repayments and recoveries deserve especially close scrutiny.

Who Is It For

Given that its licence is in liquidation, Re-Lender is not a platform for new capital in the ordinary sense; it is chiefly relevant to existing investors following the wind-down of their positions and to anyone specifically monitoring how the reconversion lending model resolves under liquidation.

How It Compares

Against other Italian lending crowdfunding platforms, Re-Lender stood out for its reconversion theme and a competitive average rate near 9%. That comparison is now overshadowed by its status: whereas active ECSP peers such as Recrowd or Re-Lender’s Italian counterparts continue to originate, a platform in liquidation belongs in a different category entirely, judged on wind-down and recovery rather than on new lending.

FAQ

Is Re-Lender still operating normally? Its ECSP authorisation is in liquidation, so it should not be treated as a business operating normally. Anyone considering new capital should recognise that liquidation changes the entire risk picture and proceed with extreme caution, if at all.

What return did Re-Lender advertise? The platform advertised an average rate of around 9%. That figure is gross and describes past lending; in a liquidation, the relevant question is how much capital investors ultimately recover, not the headline rate.

What is a reconversion project? Reconversion projects repurpose or transform existing assets, spanning real estate, industrial sites, ecological ventures and technology. The theme gives the platform its identity but adds complexity to each underlying loan.

What happens to my money in a liquidation? In a liquidation, the process for servicing loans and returning capital is managed under insolvency rules and can be slow and partial. Existing investors should follow official communications closely and expect recovery to be uncertain.

The Bottom Line

At position #25, Re-Lender is ranked low for a clear reason: its ECSP licence is in liquidation. The reconversion theme, the low minimum and the roughly 9% average rate were genuine points of interest while the platform was active, but none of that outweighs the reality of a wind-down. This is not a place for fresh capital; it is a situation for existing investors to monitor carefully as the liquidation runs its course.

Capital at risk. P2P lending is not covered by deposit-guarantee schemes.

Affiliate Disclosure

TopPulse is not an affiliate partner of Re-Lender. Links go directly to the platform. This does not influence our editorial position.