PageSourceSearch

https://www.cresor.com/en/promotores

html cresor.com collected 2026-10-10 00:05:02 UTC 350,860 bytes, 41 lines download raw bytes

1<!DOCTYPE html><html lang="en" data-scroll-behavior="smooth" class="h-full antialiased ovo_ccbb32b6-module__eS9SzG__variable outfit_830a691d-module__UrK4Oq__variable"><head><meta charSet="utf-8"/><meta name="viewport" content="width=device-width, initial-scale=1"/><link rel="stylesheet" href="/_next/static/chunks/0kky1a_17o3v6.css" data-precedence="next"/><link rel="stylesheet" href="/_next/static/chunks/283j60llkhdmp.css" data-precedence="next"/><link rel="stylesheet" href="/_next/static/chunks/267fa2anvddqk.css" data-precedence="next"/><link rel="preload" as="script" fetchPriority="low" href="/_next/static/chunks/0jvhpaew_uadu.js"/>
1<script src="/_next/static/chunks/19mx3mg6lkumu.js" async=""></script>
1<script src="/_next/static/chunks/33wmmxu2kkyqh.js" async=""></script>
1<script src="/_next/static/chunks/2-rtuqsgzmno4.js" async=""></script>
1<script src="/_next/static/chunks/turbopack-2toht04gw2bph.js" async=""></script>
1<script src="/_next/static/chunks/0h2qsuyze9ds1.js" async=""></script>
1<script src="/_next/static/chunks/0axdrs6tow-4n.js" async=""></script>
1<script src="/_next/static/chunks/0fg4cbhvxsw2e.js" async=""></script>
1<script src="/_next/static/chunks/41y3u4iqh1sf9.js" async=""></script>
1<script src="/_next/static/chunks/2ebdawz4oua0w.js" async=""></script>
1<script src="/_next/static/chunks/0nyy9hkktrzez.js" async=""></script>
1<script src="/_next/static/chunks/3x4dl28zjqml3.js" async=""></script>
1<script src="/_next/static/chunks/2-65apvovc3fy.js" async=""></script>
1<script src="/_next/static/chunks/3xgfz1-1bmo20.js" async=""></script>
1<script src="/_next/static/chunks/1g382c2rezm78.js" async=""></script>
1<script src="/_next/static/chunks/1ynrczjgmgn_y.js" async=""></script>
1<link rel="preload" href="https://widget.trustpilot.com/bootstrap/v5/tp.widget.bootstrap.min.js" as="script"/><meta name="theme-color" content="#f5f2ec" media="(prefers-color-scheme: light)"/><meta name="theme-color" content="#133d33" media="(prefers-color-scheme: dark)"/><meta name="color-scheme" content="light"/><title>Financing for real estate developers | Cresor</title><meta name="description" content="Boost your project with real estate crowdlending. Tailored financing, fast and 100% online, through our community of investors."/><link rel="manifest" href="/manifest.webmanifest"/><link rel="canonical" href="https://www.cresor.com/en/promotores"/><link rel="alternate" hrefLang="es" href="https://www.cresor.com/es/promotores"/><link rel="alternate" hrefLang="en" href="https://www.cresor.com/en/promotores"/><link rel="alternate" hrefLang="x-default" href="https://www.cresor.com/es/promotores"/><meta property="og:title" content="Financing for real estate developers | Cresor"/><meta property="og:description" content="Boost your project with real estate crowdlending. Tailored financing, fast and 100% online, through our community of investors."/><meta property="og:url" content="https://www.cresor.com/en/promotores"/><meta property="og:site_name" content="Cresor"/><meta property="og:locale" content="en_GB"/><meta property="og:image" content="https://www.cresor.com/assets/og-default.jpg"/><meta property="og:image:width" content="1200"/><meta property="og:image:height" content="630"/><meta property="og:image:alt" content="Financing for real estate developers | Cresor"/><meta property="og:locale:alternate" content="es_ES"/><meta property="og:type" content="website"/><meta name="twitter:card" content="summary_large_image"/><meta name="twitter:title" content="Financing for real estate developers | Cresor"/><meta name="twitter:description" content="Boost your project with real estate crowdlending. Tailored financing, fast and 100% online, through our community of investors."/><meta name="twitter:image" content="https://www.cresor.com/assets/og-default.jpg"/><link rel="icon" href="/favicon.ico?favicon.2u88dqh79q3h0.ico" sizes="256x256" type="image/x-icon"/><link rel="icon" href="/favicon.ico" media="(prefers-color-scheme: light)"/><link rel="icon" href="/favicon-dark.ico" media="(prefers-color-scheme: dark)"/><meta name="next-size-adjust" content=""/>
1<script id="consent-mode-default">
2          window.dataLayer = window.dataLayer || [];
3          window.gtag = window.gtag || function(){ dataLayer.push(arguments); };
4          gtag('consent', 'default', {
5            ad_storage: 'denied',
6            ad_user_data: 'denied',
7            ad_personalization: 'denied',
8            analytics_storage: 'denied',
9            functionality_storage: 'granted',
10            security_storage: 'granted',
11            wait_for_update: 500
12          });
13        </script>
13<script id="gtm-loader">
vendor: 367 bytes, lines 13-17
13
14          (function(w,d,s,l,i){w[l]=w[l]||[];w[l].push({'gtm.start':new Date().getTime(),event:'gtm.js'});
15          var f=d.getElementsByTagName(s)[0],j=d.createElement(s),dl=l!='dataLayer'?'&l='+l:'';j.async=true;
16          j.src='https://www.googletagmanager.com/gtm.js?id='+i+dl;f.parentNode.insertBefore(j,f);
17          })(window,document,'script','dataLayer','
17GTM-5CR885W2
vendor: 12 bytes, lines 17-18
17');
18        
18</script>
18<script src="/_next/static/chunks/0cz1d0mv5g_q7.js" noModule=""></script>
18</head><body class="flex min-h-full flex-col"><div hidden=""><!--$--><!--/$--></div><noscript><iframe src="https://www.googletagmanager.com/ns.html?id=GTM-5CR885W2" height="0" width="0" style="display:none;visibility:hidden" title="gtm"></iframe></noscript><a href="#main" class="skip-link">Skip to content</a><header class="fixed inset-x-0 top-0 z-50 transition-all duration-300 bg-transparent"><div class="container-cresor flex h-20 items-center justify-between gap-6"><a class="flex items-center" aria-label="Cresor — home" href="/en"><img alt="Cresor" loading="lazy" width="180" height="48" decoding="async" data-nimg="1" class="h-12 w-auto" style="color:transparent" src="/assets/logo-cresor-by-stockcrowdin.svg"/></a><nav class="hidden items-center gap-7 xl:flex" aria-label="Main"><a class="text-sm transition-colors hover:text-yellow text-white/85" href="/en/oportunidades">Opportunities</a><a class="text-sm transition-colors hover:text-yellow text-yellow" href="/en/promotores">Developers</a><a class="text-sm transition-colors hover:text-yellow text-white/85" href="/en/inversores">Investors</a><a class="text-sm transition-colors hover:text-yellow text-white/85" href="/en/riesgos">Risks</a><a class="text-sm transition-colors hover:text-yellow text-white/85" href="/en/contacto">Contact</a></nav><div class="hidden items-center gap-4 xl:flex"><div class="flex items-center gap-1 text-xs text-white/70" role="group" aria-label="Language"><a hrefLang="es" class="rounded px-2 py-1 uppercase transition-colors hover:text-yellow " aria-label="Switch to ES" href="/es/promotores">es</a><a class="rounded px-2 py-1 uppercase transition-colors hover:text-yellow text-yellow" aria-label="Switch to EN" href="/en/promotores">en</a></div><a href="https://boin.cresor.com/login" target="_blank" rel="noopener noreferrer" class="text-sm text-white/85 hover:text-yellow">Log in</a><a href="https://boin.cresor.com/create-account" class="inline-flex items-center justify-center gap-2 rounded-full text-center font-body transition-all duration-300 focus-visible:outline-2 focus-visible:outline-offset-2 focus-visible:outline-yellow disabled:pointer-events-none disabled:opacity-60 bg-yellow text-black hover:bg-yellow-soft hover:-translate-y-0.5 px-6 py-2.5 text-sm" target="_blank" rel="noopener noreferrer">Sign up</a></div><button type="button" class="text-white xl:hidden" aria-label="Open menu" aria-expanded="false"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-menu" aria-hidden="true"><path d="M4 5h16"></path><path d="M4 12h16"></path><path d="M4 19h16"></path></svg></button></div></header><main id="main" class="flex-1"><!--$?--><template id="B:0"></template><div class="flex min-h-[60vh] items-center justify-center"><div class="h-8 w-8 animate-spin rounded-full border-2 border-green-dark border-t-transparent"></div></div><!--/$--></main><section class="bg-muted py-8 text-black/80"><div class="container-cresor whitespace-pre-line text-xs leading-relaxed text-justify">Investing in crowdfunding projects involves risks, including the risk of total or partial loss of the invested capital, the risk of not obtaining the expected monetary return and the risk of illiquidity of the investment. In the case of financing through the issuance of shares, this also includes the risk of dilution, the risk of not receiving dividends and the risk of not being able to influence the management of the company. In the case of financing through the issuance of equity interests or other capital-representative securities, this includes the risk of dilution, the risk of not receiving dividends, the risk of not being able to influence the management of the company, all subject to the restrictions on free transferability inherent to their legal regime.
19
20StockCrowd Platform, SL (Cresor Investment) is not an investment services firm or a credit institution and is not adhered to any investment guarantee fund or deposit guarantee fund. Crowdfunding projects are not subject to authorisation or supervision by the CNMV or the Bank of Spain, therefore the information provided by developers about the projects has not been reviewed by them (nor, in the case of securities issuance, does it constitute a prospectus approved by the CNMV).
21
22Investing in crowdfunding projects should be done as part of a diversified portfolio. StockCrowd Platform, SL (Cresor Investment) is intended for people with sufficient knowledge to understand the risks of making investments in this type of project.</div></section><footer class="bg-green-dark text-white"><div class="container-cresor grid gap-12 py-16 md:grid-cols-2 lg:grid-cols-4"><div><img alt="Cresor" loading="lazy" width="120" height="32" decoding="async" data-nimg="1" class="h-8 w-auto hidden md:block" style="color:transparent" src="/assets/logo-cresor.svg"/><p class="text-white/75 font-normal mt-5 max-w-sm text-sm">Crowdfunding Service Provider authorised by the CNMV (Registry no. 19).</p><div class="mt-6 flex gap-4"><a href="https://www.instagram.com/cresorbystockcrowdin/" aria-label="Instagram" target="_blank" rel="noopener noreferrer" class="hover:text-yellow"><svg width="20" height="20" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" aria-hidden="true"><rect x="2" y="2" width="20" height="20" rx="5" ry="5"></rect><circle cx="12" cy="12" r="4"></circle><circle cx="17.5" cy="6.5" r="1" fill="currentColor" stroke="none"></circle></svg></a><a href="https://www.linkedin.com/company/cresorbystockcrowdin" aria-label="LinkedIn" target="_blank" rel="noopener noreferrer" class="hover:text-yellow"><svg width="20" height="20" viewBox="0 0 24 24" fill="currentColor" aria-hidden="true"><path d="M16 8a6 6 0 0 1 6 6v7h-4v-7a2 2 0 0 0-2-2 2 2 0 0 0-2 2v7h-4v-7a6 6 0 0 1 6-6zM2 9h4v12H2z"></path><circle cx="4" cy="4" r="2"></circle></svg></a><a href="https://x.com/Cresor_" aria-label="X (Twitter)" target="_blank" rel="noopener noreferrer" class="hover:text-yellow"><svg width="20" height="20" viewBox="0 0 24 24" fill="currentColor" aria-hidden="true"><path d="M18.244 2.25h3.308l-7.227 8.26 8.502 11.24H16.17l-4.714-6.231-5.401 6.23
221H2.744l7.727-8.835L1.254 2.25H8.08l4.261 5.888L18.244 2.25zm-1.161 17.52h1.833L7.084 4.126H5.117L17.083 19.77z"></path></svg></a><a href="https://www.facebook.com/cresorbystockcrowdin/" aria-label="Facebook" target="_blank" rel="noopener noreferrer" class="hover:text-yellow"><svg width="20" height="20" viewBox="0 0 24 24" fill="currentColor" aria-hidden="true"><path d="M18 2h-3a5 5 0 0 0-5 5v3H7v4h3v8h4v-8h3l1-4h-4V7a1 1 0 0 1 1-1h3z"></path></svg></a></div><div class="mt-6 max-w-xs"><div class="mr-auto" style="height:122.99999999999999px;width:131.2px;overflow:hidden" aria-hidden="true"></div></div></div><div><p class="mb-4 text-sm tracking-wider text-yellow">ABOUT</p><ul class="space-y-2 text-sm text-white/75"><li><a class="transition-colors hover:text-yellow-soft" href="/en/oportunidades">Opportunities</a></li><li><a class="transition-colors hover:text-yellow-soft" href="/en#como-funciona">How it works</a></li><li><a class="transition-colors hover:text-yellow-soft" href="/en/faqs">FAQs</a></li><li><a class="transition-colors hover:text-yellow-soft" href="/en/glosario">Glossary</a></li><li><a class="transition-colors hover:text-yellow-soft" href="/en/sobre-nosotros">About us</a></li><li><a class="transition-colors hover:text-yellow-soft" href="/en/contacto">Contact</a></li></ul></div><div><p class="mb-4 text-sm tracking-wider text-yellow">LEGAL</p><ul class="space-y-2 text-sm text-white/75"><li><a href="/web-api/documentos/WEB-PP" class="transition-colors hover:text-yellow-soft" target="_blank" rel="noopener noreferrer">Privacy Policy and Legal Notice</a></li><li><a class="transition-colors hover:text-yellow-soft" href="/en/legal/cookies">Cookies Policy and configuration panel</a></li><li><a href="/web-api/documentos/WEB-CGU" class="transition-colors hover:text-yellow-soft" target="_blank" rel="noopener noreferrer">General Terms of Use</a></li><li><a href="/web-api/documentos/WEB-CDULW" class="transition-colors hover:text-yellow-soft" target="_blank" rel="noopener noreferrer">Lemon Way terms of use</a></li><li><a href="/web-api/documentos/WEB-DPTFM" class="transition-colors hover:text-yellow-soft" target="_blank" rel="noopener noreferrer">Fixed-rate contract template</a></li><li><a href="/web-api/documentos/WEB-CM" class="transition-colors hover:text-yellow-soft" target="_blank" rel="noopener noreferrer">Mandate agreement</a></li><li><a href="/web-api/documentos/WEB-CJ" class="transition-colors hover:text-yellow-soft" target="_blank" rel="noopener noreferrer">Meeting notice</a></li></ul></div><div><p class="mb-4 text-sm tracking-wider text-yellow">MORE INFORMATION</p><ul class="space-y-2 text-sm text-white/75"><li><a class="transition-colors hover:text-yellow-soft" href="/en/seguridad">Security and Investor Protection</a></li><li><a class="transition-colors hover:text-yellow-soft" href="/en/riesgos">Risks and Default Protocol</a></li><li><a href="/web-api/documentos/WEB-IBCI" class="transition-colors hover:text-yellow-soft" target="_blank" rel="noopener noreferrer">Basic information for the investor client</a></li><li><a href="/web-api/documentos/WEB-SDAAC" class="transition-colors hover:text-yellow-soft" target="_blank" rel="noopener noreferrer">StockCrowd IN customer service</a></li><li><a href="/web-api/documentos/WEB-FDR" class="transition-colors hover:text-yellow-soft" target="_blank" rel="noopener noreferrer">Complaints form</a></li><li><a href="/web-api/documentos/WEB-PDT" class="transition-colors hover:text-yellow-soft" target="_blank" rel="noopener noreferrer">Fee policy</a></li><li><a class="transition-colors hover:text-yellow-soft" href="/en/promociones">Promotions</a></li><li><a class="transition-colors hover:text-yellow-soft" href="/en/auditorias">Audits</a></li><li><a class="transition-colors hover:text-yellow-soft" href="/en/contratos">Contracts</a></li><li><a href="/web-api/documentos/WEB-CPA" class="transition-colors hover:text-yellow-soft" target="_blank" rel="noopener noreferrer">Friends promo terms</a></li><li><a href="/web-api/documentos/WEB-RIDCDSPS" class="transition-colors hover:text-yellow-soft" target="_blank" rel="noopener noreferrer">
22Internal code of conduct</a></li><li><a href="/web-api/documentos/WEB-PYPDCDCDI" class="transition-colors hover:text-yellow-soft" target="_blank" rel="noopener noreferrer">Conflicts of Interest</a></li><li><a class="transition-colors hover:text-yellow-soft" href="/en/estadisticas">Default rates — statistics</a></li></ul></div></div><div class="border-t border-white/10"><div class="container-cresor py-6 text-xs text-white/55">© Cresor 2026</div></div></footer><section aria-label="Notifications alt+T" tabindex="-1" aria-live="polite" aria-relevant="additions text" aria-atomic="false"></section>
22<script>requestAnimationFrame(function(){$RT=performance.now()});</script>
22<script src="/_next/static/chunks/0jvhpaew_uadu.js" id="_R_" async=""></script>
22<div hidden id="S:0"><template id="P:1"></template><!--$--><!--/$--></div>
22<script>(self.__next_f=self.__next_f||[]).push([0])</script>
22<script>self.__next_f.push([1,"1:\"$Sreact.fragment\"\n2:I[39756,[\"/_next/static/chunks/0h2qsuyze9ds1.js\"],\"default\"]\n3:I[37457,[\"/_next/static/chunks/0h2qsuyze9ds1.js\"],\"default\"]\n4:I[22016,[\"/_next/static/chunks/0h2qsuyze9ds1.js\",\"/_next/static/chunks/0axdrs6tow-4n.js\"],\"\"]\n5:I[39756,[\"/_next/static/chunks/0h2qsuyze9ds1.js\"],\"LoadingBoundaryProvider\"]\n8:I[97367,[\"/_next/static/chunks/0h2qsuyze9ds1.js\"],\"OutletBoundary\"]\n9:\"$Sreact.suspense\"\nc:I[97367,[\"/_next/static/chunks/0h2qsuyze9ds1.js\"],\"ViewportBoundary\"]\ne:I[97367,[\"/_next/static/chunks/0h2qsuyze9ds1.js\"],\"MetadataBoundary\"]\n10:I[68027,[\"/_next/static/chunks/0h2qsuyze9ds1.js\"],\"default\",1]\n:HL[\"/_next/static/chunks/0kky1a_17o3v6.css\",\"style\"]\n:HL[\"/_next/static/chunks/283j60llkhdmp.css\",\"style\"]\n:HL[\"/_next/static/chunks/267fa2anvddqk.css\",\"style\"]\n:HL[\"/_next/static/media/1b99372b3eaef0c8-s.p.1gsd1jahc5dg_.woff2\",\"font\",{\"crossOrigin\":\"\",\"type\":\"font/woff2\"}]\n:HL[\"/_next/static/media/4f8b141162124378-s.p.2y60-n21mpa6o.woff2\",\"font\",{\"crossOrigin\":\"\",\"type\":\"font/woff2\"}]\nb:X\n0:{\"P\":null,\"c\":[\"\",\"en\",\"promotores\"],\"q\":\"\",\"i\":false,\"f\":[[[\"\",{\"children\":[[\"locale\",\"en\",\"d\",[\"api\",\"web-api\"]],{\"children\":[\"promotores\",{\"children\":[\"__PAGE__\",{},\"$undefined\",\"$undefined\",4096]},\"$undefined\",\"$undefined\",4096]},\"$undefined\",\"$undefined\",4100]},\"$undefined\",\"$undefined\",4120],[[\"$\",\"$1\",\"c\",{\"children\":[[[\"$\",\"link\",\"0\",{\"rel\":\"stylesheet\",\"href\":\"/_next/static/chunks/0kky1a_17o3v6.css\",\"precedence\":\"next\",\"crossOrigin\":\"$undefined\",\"nonce\":\"$undefined\"}],[\"$\",\"script\",\"script-0\",{\"src\":\"/_next/static/chunks/0h2qsuyze9ds1.js\",\"async\":true,\"nonce\":\"$undefined\"}]],[\"$\",\"$L2\",null,{\"parallelRouterKey\":\"children\",\"error\":\"$undefined\",\"errorStyles\":\"$undefined\",\"errorScripts\":\"$undefined\",\"template\":[\"$\",\"$L3\",null,{}],\"templateStyles\":\"$undefined\",\"templateScripts\":\"$undefined\",\"notFound\":[[\"$\",\"html\",null,{\"lang\":\"es\",\"children\":[\"$\",\"body\",null,{\"className\":\"flex min-h-screen items-center justify-center bg-[#F5F2EC] px-6 font-sans text-green-dark\",\"children\":[\"$\",\"div\",null,{\"className\":\"max-w-md text-center\",\"children\":[[\"$\",\"p\",null,{\"className\":\"font-serif text-8xl tracking-tight\",\"children\":[\"4\",[\"$\",\"span\",null,{\"className\":\"text-[#FECB02]\",\"children\":\"0\"}],\"4\"]}],[\"$\",\"h1\",null,{\"className\":\"mt-6 font-serif text-3xl\",\"children\":\"Página no encontrada\"}],[\"$\",\"p\",null,{\"className\":\"mt-4 text-lg text-green-dark/70\",\"children\":\"La página que buscas no existe o ha sido movida.\"}],[\"$\",\"$L4\",null,{\"href\":\"/es\",\"className\":\"mt-8 inline-flex rounded-full bg-[#FECB02] px-7 py-3 text-black transition hover:bg-[#FFE684]\",\"children\":\"Volver al inicio\"}]]}]}]}],[]],\"forbidden\":\"$undefined\",\"unauthorized\":\"$undefined\"}]]}],{\"children\":[[\"$\",\"$L5\",null,{\"loading\":[[\"$\",\"div\",\"l\",{\"className\":\"flex min-h-[60vh] items-center justify-center\",\"children\":[\"$\",\"div\",null,{\"className\":\"h-8 w-8 animate-spin rounded-full border-2 border-green-dark border-t-transparent\"}]}],[],null],\"children\":[\"$\",\"$1\",\"c\",{\"children\":[[[\"$\",\"link\",\"0\",{\"rel\":\"stylesheet\",\"href\":\"/_next/static/chunks/283j60llkhdmp.css\",\"precedence\":\"next\",\"crossOrigin\":\"$undefined\",\"nonce\":\"$undefined\"}],[\"$\",\"link\",\"1\",{\"rel\":\"stylesheet\",\"href\":\"/_next/static/chunks/267fa2anvddqk.css\",\"precedence\":\"next\",\"crossOrigin\":\"$undefined\",\"nonce\":\"$undefined\"}],[\"$\",\"script\",\"script-0\",{\"src\":\"/_next/static/chunks/0fg4cbhvxsw2e.js\",\"async\":true,\"nonce\":\"$undefined\"}],[\"$\",\"script\",\"script-1\",{\"src\":\"/_next/static/chunks/41y3u4iqh1sf9.js\",\"async\":true,\"nonce\":\"$undefined\"}],[\"$\",\"script\",\"script-2\",{\"src\":\"/_next/static/chunks/2ebdawz4oua0w.js\",\"async\":true,\"nonce\":\"$undefined\"}],[\"$\",\"script\",\"script-3\",{\"src\":\"/_next/static/chunks/0nyy9hkktrzez.js\",\"async\":true,\"nonce\":\"$undefined\"}],[\"$\",\"script\",\"script-4\",{\"src\":\"/_next/static/chunks/3x4dl28zjqml3.js\",\"async\":true,\"nonce\":\"$undefined\"}],[\"$\",\"script\",\"script-5\",{\"src\":\"/_next/static/chunks/2-65apvovc3fy.js\",\"async\":true,\"nonce\":\"$undefined\"}],[\"$\",\"script\",\"script-6\",{\"src\":\"/_next/static/chunks/3xgfz1-1bmo20.js\",\"async\":true,\"nonce\":\"$undefined\"}]],\"$L6\"]}]}],{\"children\":[[\"$\",\"$1\",\"c\",{\"children\":[null,[\"$\",\"$L2\",null,{\"parallelRouterKey\":\"children\",\"error\":\"$undefined\",\"errorStyles\":\"$undefined\",\"errorScripts\":\"$undefined\",\"template\":[\"$\",\"$L3\",null,{}],\"templateStyles\":\"$undefined\",\"templateScripts\":\"$undefined\",\"notFound\":\"$undefined\",\"forbidden\":\"$undefined\",\"unauthorized\":\"$undefined\"}]]}],{\"children\":[[\"$\",\"$1\",\"c\",{\"children\":[\"$L7\",[[\"$\",\"script\",\"script-0\",{\"src\":\"/_next/static/chunks/1g382c2rezm78.js\",\"async\":true,\"nonce\":\"$undefined\"}],[\"$\",\"script\",\"script-1\",{\"src\":\"/_next/static/chunks/1ynrczjgmgn_y.js\",\"async\":true,\"nonce\":\"$undefined\"}]],[\"$\",\"$L8\",null,{\"children\":[\"$\",\"$9\",null,{\"name\":\"Next.MetadataOutlet\",\"children\":\"$@a\"}]}]]}],{}
22,null,false,null]},null,false,\"$b\"]},null,false,null]},null,false,null],[\"$\",\"$1\",\"h\",{\"children\":[null,[\"$\",\"$Lc\",null,{\"children\":\"$Ld\"}],[\"$\",\"div\",null,{\"hidden\":true,\"children\":[\"$\",\"$Le\",null,{\"children\":[\"$\",\"$9\",null,{\"name\":\"Next.Metadata\",\"children\":\"$Lf\"}]}]}],[\"$\",\"meta\",null,{\"name\":\"next-size-adjust\",\"content\":\"\"}]]}],false]],\"m\":\"$undefined\",\"G\":[\"$10\",[[\"$\",\"link\",\"0\",{\"rel\":\"stylesheet\",\"href\":\"/_next/static/chunks/0kky1a_17o3v6.css\",\"precedence\":\"next\",\"crossOrigin\":\"$undefined\",\"nonce\":\"$undefined\"}]]],\"S\":false,\"h\":null,\"r\":\"$undefined\",\"s\":\"$undefined\",\"a\":\"$undefined\",\"l\":\"$undefined\",\"p\":\"$undefined\",\"d\":\"$undefined\",\"b\":\"9PMEAX5CSej-fnnDg4Kru\"}\nb:C\nd:[[\"$\",\"meta\",\"0\",{\"charSet\":\"utf-8\"}],[\"$\",\"meta\",\"1\",{\"name\":\"viewport\",\"content\":\"width=device-width, initial-scale=1\"}],[\"$\",\"meta\",\"2\",{\"name\":\"theme-color\",\"content\":\"#f5f2ec\",\"media\":\"(prefers-color-scheme: light)\"}],[\"$\",\"meta\",\"3\",{\"name\":\"theme-color\",\"content\":\"#133d33\",\"media\":\"(prefers-color-scheme: dark)\"}],[\"$\",\"meta\",\"4\",{\"name\":\"color-scheme\",\"content\":\"light\"}]]\n11:I[27201,[\"/_next/static/chunks/0h2qsuyze9ds1.js\"],\"IconMark\"]\na:null\nf:[[\"$\",\"title\",\"0\",{\"children\":\"Financing for real estate developers | Cresor\"}],[\"$\",\"meta\",\"1\",{\"name\":\"description\",\"content\":\"Boost your project with real estate crowdlending. Tailored financing, fast and 100% online, through our community of investors.\"}],[\"$\",\"link\",\"2\",{\"rel\":\"manifest\",\"href\":\"/manifest.webmanifest\",\"crossOrigin\":\"$undefined\"}],[\"$\",\"link\",\"3\",{\"rel\":\"canonical\",\"href\":\"https://www.cresor.com/en/promotores\"}],[\"$\",\"link\",\"4\",{\"rel\":\"alternate\",\"hrefLang\":\"es\",\"href\":\"https://www.cresor.com/es/promotores\"}],[\"$\",\"link\",\"5\",{\"rel\":\"alternate\",\"hrefLang\":\"en\",\"href\":\"https://www.cresor.com/en/promotores\"}],[\"$\",\"link\",\"6\",{\"rel\":\"alternate\",\"hrefLang\":\"x-default\",\"href\":\"https://www.cresor.com/es/promotores\"}],[\"$\",\"meta\",\"7\",{\"property\":\"og:title\",\"content\":\"Financing for real estate developers | Cresor\"}],[\"$\",\"meta\",\"8\",{\"property\":\"og:description\",\"content\":\"Boost your project with real estate crowdlending. Tailored financing, fast and 100% online, through our community of investors.\"}],[\"$\",\"meta\",\"9\",{\"property\":\"og:url\",\"content\":\"https://www.cresor.com/en/promotores\"}],[\"$\",\"meta\",\"10\",{\"property\":\"og:site_name\",\"content\":\"Cresor\"}],[\"$\",\"meta\",\"11\",{\"property\":\"og:locale\",\"content\":\"en_GB\"}],[\"$\",\"meta\",\"12\",{\"property\":\"og:image\",\"content\":\"https://www.cresor.com/assets/og-default.jpg\"}],[\"$\",\"meta\",\"13\",{\"property\":\"og:image:width\",\"content\":\"1200\"}],[\"$\",\"meta\",\"14\",{\"property\":\"og:image:height\",\"content\":\"630\"}],[\"$\",\"meta\",\"15\",{\"property\":\"og:image:alt\",\"content\":\"Financing for real estate developers | Cresor\"}],[\"$\",\"meta\",\"16\",{\"property\":\"og:locale:alternate\",\"content\":\"es_ES\"}],[\"$\",\"meta\",\"17\",{\"property\":\"og:type\",\"content\":\"website\"}],[\"$\",\"meta\",\"18\",{\"name\":\"twitter:card\",\"content\":\"summary_large_image\"}],[\"$\",\"meta\",\"19\",{\"name\":\"twitter:title\",\"content\":\"Financing for real estate developers | Cresor\"}],[\"$\",\"meta\",\"20\",{\"name\":\"twitter:description\",\"content\":\"Boost your project with real estate crowdlending. Tailored financing, fast and 100% online, through our community of investors.\"}],[\"$\",\"meta\",\"21\",{\"name\":\"twitter:image\",\"content\":\"https://www.cresor.com/assets/og-default.jpg\"}],[\"$\",\"link\",\"22\",{\"rel\":\"icon\",\"href\":\"/favicon.ico?favicon.2u88dqh79q3h0.ico\",\"sizes\":\"256x256\",\"type\":\"image/x-icon\"}],[\"$\",\"link\",\"23\",{\"rel\":\"icon\",\"href\":\"/favicon.ico\",\"media\":\"(prefers-color-scheme: light)\"}],[\"$\",\"link\",\"24\",{\"rel\":\"icon\",\"href\":\"/favicon-dark.ico\",\"media\":\"(prefers-color-scheme: dark)\"}],[\"$\",\"$L11\",\"25\",{}]]\n13:I[79520,[\"/_next/static/chunks/0h2qsuyze9ds1.js\",\"/_next/static/chunks/0fg4cbhvxsw2e.js\",\"/_next/static/chunks/41y3u4iqh1sf9.js\",\"/_next/static/chunks/2ebdawz4oua0w.js\",\"/_next/static/chunks/0nyy9hkktrzez.js\",\"/_next/static/chunks/3x4dl28zjqml3.js\",\"/_next/static/chunks/2-65apvovc3fy.js\",\"/_next/static/chunks/3xgfz1-1bmo20.js\"],\"\"]\n12:[\"$\",\"iframe\",null,{\"src\":\"https://www.googletagmanager.com/ns.html?id=GTM-5CR885W2\",\"height\"
22:\"0\",\"width\":\"0\",\"style\":{\"display\":\"none\",\"visibility\":\"hidden\"},\"title\":\"gtm\"}]\n6:[\"$\",\"html\",null,{\"lang\":\"en\",\"data-scroll-behavior\":\"smooth\",\"className\":\"h-full antialiased ovo_ccbb32b6-module__eS9SzG__variable outfit_830a691d-module__UrK4Oq__variable\",\"children\":[[\"$\",\"head\",null,{\"children\":[[\"$\",\"script\",null,{\"id\":\"consent-mode-default\",\"dangerouslySetInnerHTML\":{\"__html\":\"\\n          window.dataLayer = window.dataLayer || [];\\n          window.gtag = window.gtag || function(){ dataLayer.push(arguments); };\\n          gtag('consent', 'default', {\\n            ad_storage: 'denied',\\n            ad_user_data: 'denied',\\n            ad_personalization: 'denied',\\n            analytics_storage: 'denied',\\n            functionality_storage: 'granted',\\n            security_storage: 'granted',\\n            wait_for_update: 500\\n          });\\n        \"}}],[\"$\",\"script\",null,{\"id\":\"gtm-loader\",\"dangerouslySetInnerHTML\":{\"__html\":\"\\n          (function(w,d,s,l,i){w[l]=w[l]||[];w[l].push({'gtm.start':new Date().getTime(),event:'gtm.js'});\\n          var f=d.getElementsByTagName(s)[0],j=d.createElement(s),dl=l!='dataLayer'?'\u0026l='+l:'';j.async=true;\\n          j.src='https://www.googletagmanager.com/gtm.js?id='
22+i+dl;f.parentNode.insertBefore(j,f);\\n          })(window,document,'script','dataLayer','GTM-5CR885W2');\\n        \"}}]]}],[\"$\",\"body\",null,{\"className\":\"flex min-h-full flex-col\",\"children\":[[\"$\",\"noscript\",null,{\"children\":\"$12\"}],[\"$\",\"$L13\",null,{\"src\":\"https://widget.trustpilot.com/bootstrap/v5/tp.widget.bootstrap.min.js\",\"strategy\":\"afterInteractive\"}],\"$L14\"]}]]}]\n15:I[75696,[\"/_next/static/chunks/0h2qsuyze9ds1.js\",\"/_next/static/chunks/0fg4cbhvxsw2e.js\",\"/_next/static/chunks/41y3u4iqh1sf9.js\",\"/_next/static/chunks/2ebdawz4oua0w.js\",\"/_next/static/chunks/0nyy9hkktrzez.js\",\"/_next/static/chunks/3x4dl28zjqml3.js\",\"/_next/static/chunks/2-65apvovc3fy.js\",\"/_next/static/chunks/3xgfz1-1bmo20.js\"],\"default\"]\n16:T5e1,Investing in crowdfunding projects involves risks, including the risk of total or partial loss of the invested capital, the risk of not obtaining the expected monetary return and the risk of illiquidity of the investment. In the case of financing through the issuance of shares, this also includes the risk of dilution, the risk of not receiving dividends and the risk of not being able to influence the management of the company. In the case of financing through the issuance of equity interests or other capital-representative securities, this includes the risk of dilution, the risk of not receiving dividends, the risk of not being able to influence the management of the company, all subject to the restrictions on free transferability inherent to their legal regime.\n\nStockCrowd Platform, SL (Cresor Investment) is not an investment services firm or a credit institution and is not adhered to any investment guarantee fund or deposit guarantee fund. Crowdfunding projects are not subject to authorisation or supervision by the CNMV or the Bank of Spain, therefore the information provided by developers about the projects has not been reviewed by them (nor, in the case of securities issuance, does it constitute a prospectus approved by the CNMV).\n\nInvesting in crowdfunding projects should be done as part of a diversified portfolio. StockCrowd Platform, SL (Cresor Investment) is intended for people with sufficient knowledge to understand the risks of making investments in this type of project.14:[\"$\",\"$L15\",null,{\"formats\":\"$undefined\",\"locale\":\"en\",\"messages\":{\"common\":{\"skipToContent\":\"Skip to content\",\"siteDescription\":\"Real estate and business crowdlending authorised by the CNMV. Invest from €250 in selected projects, with returns of up to 12% per year.\",\"aria\":{\"home\":\"Cresor — home\",\"mainNav\":\"Main\",\"language\":\"Language\",\"switchTo\":\"Switch to {locale}\",\"openMenu\":\"Open menu\",\"closeMenu\":\"Close menu\",\"privateMenu\":\"Private area\"},\"cookieBanner\":{\"text\":\"We use our own and third-party cookies to analyse site usage and improve your experience. You can accept or reject them.\",\"accept\":\"Accept\",\"reject\":\"Reject\",\"policy\":\"Cookie policy\"},\"actions\":{\"backToHome\":\"Back to home\",\"retry\":\"Try again\",\"moreInfo\":\"More information\",\"invest\":\"Invest\",\"readMore\":\"Read more\"},\"campaignCard\":{\"statusFunding\":\"Funding\",\"statusActive\":\"Funding reached\",\"statusUpcoming\":\"Upcoming\",\"statusStudy\":\"Under review\",\"studyDescription\":\"This investment opportunity is under review and you will soon be able to invest in it. Register to be the first to know and not miss out.\",\"statusConcluded\":\"Amortized\",\"opensIn\":\"Opens in\",\"days\":\"days\",\"totalReturn\":\"Total return\",\"tna\":\"APR\",\"term\":\"Term\",\"funded\":\"Funded\",\"goal\":\"Goal\",\"from\":\"From\",\"closedIn\":{\"lt1h\":\"Funded in \u003c 1 hour\",\"lt1d\":\"Funded in \u003c 1 day\",\"lt2d\":\"Funded in \u003c 2 days\",\"lt5d\":\"Funded in \u003c 5 days\",\"gt5d\":\"Funded in \u003e 5 days\"},\"investors\":\"investors\",\"inmoDesc\":\"Real-estate fixed-rate loan\",\"empresasDesc\":\"Business fixed-rate loan\"},\"upcomingModal\":{\"availableIn\":\"Available in\",\"alreadyAvailable\":\"Now available\",\"investors\":\"Investors already in\",\"investorsEmpty\":\"Be among the first to invest\",\"secondary\":\"Not now, thanks\"},\"brandEvolutionModal\":{\"aria\":\"Brand evolution\",\"close\":\"Close\",\"badge\":\"New look\",\"beforeLabel\":\"We used to be\",\"beforeName\":\"StockCrowd IN\",\"afterLabel\":\"Now we are\",\"logoAlt\":\"Cresor\",\"body\":\"The same commitment, the same team, and the same rigor—now with a new name. A new identity that preserves our essence, our experience, and our drive to keep moving forward together.\",\"cta\":\"Discover Cresor\",\"secondary\":\"Keep browsing\"},\"notFound\":{\"title\":\"Page not found\",\"text\":\"The page you are looking for doesn't exist or has been moved. Here's how to keep browsing.\",\"cta\":\"Back to home\",\"suggestionsTitle\":\"You might be interested in\",\"suggestions\":[{\"href\":\"/oportunidades\",\"label\":\"Opportunities\",\"description\":\"Discover selected projects to invest in.\"},{\"href\":\"/promotores\",\"label\":\"Promoters\",\"description\":\"Fund your project with crowdfunding.\"},{\"href\":\"/inversores\",\"label\":\"Investors\",\"description\":\"Learn the benefits of investing with Cresor.\"},{\"href\":\"/registro\",\"label\":\"Sign up\",\"description\":\"Create your account and start investing.\"},{\"href\":\"/contacto\",\"label\":\"Contact\",\"description\":\"Talk to our support team.\"}]},\"error\":{\"title\":\"Something didn't go as expected.\",\"text\":\"Please try again or go back home.\",\"retry\":\"Try again\",\"backToHome\":\"Back to home\"},\"form\":{\"successTitle\":\"Message received!\",\"success\":\"We've sent you an email from Cresor. If you don't see it in your inbox in a few minutes, check your spam folder and add Cresor to your contacts.\",\"error\":\"Could not send. Please try again.\"},\"nav\":{\"opportunities\":\"Opportunities\",\"promoters\":\"Developers\",\"companies\":\"Companies\",\"investors\":\"Investors\",\"risks\":\"Risks\",\"blog\":\"Blog\",\"contact\":\"Contact\",\"login\":\"Log in\",\"register\":\"Sign up\",\"privateArea\":\"Private area, {name}\",\"logout\":\"Log out\",\"summary\":\"Overview\",\"investNow\":\"Invest now\",\"myInvestments\":\"My investments\",\"myProfile\":\"My profile\",\"myAccount\":\"My account\"},\"footer\":{\"tagline\":\"Crowdfunding Service Provider authorised by the CNMV (Registry no. 19).\",\"collaboration\":\"IN COLLABORATION WITH:\",\"trustpilot\":\"TrustScore 4.6 · 119 reviews\",\"sections\":{\"stockcrowd\":\"STOCKCROWD IN\",\"about\":\"ABOUT\",\"more\":\"MORE INFORMATION\",\"legal\":\"LEGAL\"},\"stockcrowd\":{\"opportunities\":\"Opportunities\",\"howItWorks\":\"How it works\",\"learn\":\"Learn\",\"faqs\":\"FAQs\",\"glossary\":\"Glossary\"},\"about\":{\"us\":\"About us\",\"join\":\"Join us\",\"contact\":\"Contact\"},\"more\":{\"security\":\"Security and Investor Protection\",\"risks\":\"Risks and Default Protocol\",\"basic\":\"Basic information for the investor client\",\"support\":\"StockCrowd IN customer service\",\"complaints\":\"Complaints form\",\"fees\":\"Fee policy\",\"promos\":\"Friends promo terms\",\"promotions\":\"Promotions\",\"audits\":\"Audits\",\"contracts\":\"Contracts\",\"mandate\":\"Mandate agreement\",\"conduct\":\"Internal 
22code of conduct\",\"conflicts\":\"Conflicts of Interest\",\"fixedContract\":\"Fixed-rate contract template\",\"participativeContract\":\"Participative loan contract template\",\"defaultStats\":\"Default rates — statistics\",\"meeting\":\"Meeting notice\"},\"legal\":{\"privacy\":\"Privacy Policy and Legal Notice\",\"cookies\":\"Cookies Policy and configuration panel\",\"terms\":\"General Terms of Use\",\"lemonway\":\"Lemon Way terms of use\"},\"copyright\":\"© Cresor 2026\"},\"risks\":{\"text\":\"$16\"},\"marquee\":{\"investors\":\"«The crowdlending platform with the highest repayment rate in Spain»\",\"promoters\":\"«Finance your real estate project online, fast and with no hidden costs»\"}},\"home\":{\"seo\":{\"title\":\"Invest in real estate projects | Cresor\",\"description\":\"Real estate and business crowdlending authorised by the CNMV. Invest from €250 in selected projects, with returns of up to 12% per year.\"},\"hero\":{\"badge\":\"CNMV authorised — Registry no. 19\",\"title\":\"Invest in real estate with returns of up to 12% per year\",\"subtitle\":\"Crowdfunding Service Provider authorised by the CNMV to invest in real estate projects from €250.\",\"ctaPrimary\":\"I'm an investor\",\"ctaSecondary\":\"I'm a developer\",\"regulated\":\"Regulated platform\",\"experience\":\"Operating since 2015\"},\"stats\":{\"eyebrow\":\"Cresor figures\",\"funded\":\"Total Funded\",\"returned\":\"Total Returned\",\"livingCapital\":\"Outstanding capital\",\"averageReturn\":\"Average return*\",\"averageTerm\":\"Average term\",\"totalFunded\":\"€158,212,203\",\"totalFundedShort\":\"€158M\",\"totalReturned\":\"€108,015,660\",\"totalReturnedShort\":\"108M€\",\"totalLivingCapital\":\"€39,956,543\",\"totalLivingCapitalShort\":\"39M€\",\"totalAverageReturn\":\"11.04%\",\"averageTermValue\":\"12 months\",\"months\":\"months\",\"disclaimer\":\"*Figures shown refer to the past. Past returns and results do not guarantee future returns. This data is updated at least annually.\",\"trustpilot\":\"TrustScore 4.6 · 128 reviews\",\"defaultRate\":\"Default rate — Statistics\",\"tagline\":\"The crowdlending platform with the highest repayment rate in Spain\",\"ctaInvest\":\"I want to start investing\"},\"regulator\":{\"title\":\"Crowdfunding Service Provider authorised by the CNMV\",\"text\":\"We are a Crowdfunding Service Provider authorised by the Spanish Securities Market Commission (CNMV), \u003creg\u003eregistered under number 19\u003c/reg\u003e. We are not an investment services firm or a credit institution. Please read the basic 
22information for the investor client before investing.\",\"cta\":\"Basic information for investors before investing\"},\"opportunities\":{\"title\":\"Investment opportunities at Cresor\",\"status\":\"Active\",\"min\":\"Minimum investment: €250\",\"by\":\"By StockCrowd IN\",\"moreInfo\":\"More information\",\"viewAll\":\"See all opportunities\",\"comingSoon\":{\"badge\":\"Coming soon\",\"title\":\"Make sure to take part in the next investment\",\"subtitle\":\"Be the first to know\",\"firstName\":\"First name\",\"lastName\":\"Last name\",\"email\":\"Email address\",\"privacy\":\"I have read and accept the \u003cprivacy\u003ePrivacy Policy\u003c/privacy\u003e and the \u003clegal\u003eLegal Notice\u003c/legal\u003e\",\"comms\":\"I agree to receive commercial communications from Cresor\",\"cta\":\"Notify me\"},\"labels\":{\"type\":\"TYPE\",\"funded\":\"FUNDED\",\"goal\":\"GOAL\",\"totalReturn\":\"TOTAL RETURN\",\"rate\":\"INTEREST RATE\",\"term\":\"TERM\"},\"items\":{\"linea\":{\"name\":\"Línea metal financing\",\"place\":\"(38th op) Barcelona · Company\",\"type\":\"Fixed-rate company loan\",\"funded\":\"€225,000\",\"goal\":\"€225,000\",\"totalReturn\":\"% per year\",\"rate\":\"6.3% per year\",\"term\":\"4 months\"},\"sevilla\":{\"name\":\"Sevilla 21\",\"place\":\"Málaga · Residential\",\"type\":\"Fixed-rate real estate loan\",\"funded\":\"€750,000\",\"goal\":\"€750,000\",\"totalReturn\":\"11.43% per year\",\"rate\":\"11% per year\",\"term\":\"18 months\"},\"serena\":{\"name\":\"Residencial Costa Serena\",\"place\":\"Salobreña · Residential\",\"type\":\"Fixed-rate real estate loan\",\"funded\":\"€1,600,000\",\"goal\":\"€1,600,000\",\"totalReturn\":\"11.97% per year\",\"rate\":\"11.5% per year\",\"term\":\"18 months\"}}},\"how\":{\"title\":\"What is crowdlending and how does it work?\",\"intro\":\"Real estate crowdlending connects investors with developers and companies seeking financing for their projects, in exchange for a return. It offers access to curated opportunities, seeking a balance between return and risk.\",\"tabInvestors\":\"For investors\",\"tabPromoters\":\"For developers\",\"investors\":{\"subtitle\":\"Access opportunities from €250 and start diversifying your investments.\",\"subtitle2\":\"The crowdlending platform with the highest repayment rate in Spain.\",\"cta\":\"Start investing from €250\",\"step1\":{\"title\":\"Sign up and access opportunities\",\"text\":\"Create your account, upload the requested documentation and verify your identity.\"},\"step2\":{\"title\":\"Top up your wallet\",\"text\":\"Add funds to your Cresor account to invest (by card or bank transfer).\"},\"step3\":{\"title\":\"Choose your opportunity and invest\",\"text\":\"Explore the active projects: review the interest rate, term, guarantees, risk level and full documentation of each opportunity.\"},\"step4\":{\"title\":\"Track your positions and portfolio\",\"text\":\"Log in to your Cresor account to follow everything related to your investments.\"}},\"promoters\":{\"subtitle\":\"Finance your project: 100% online process, agile and with no hidden costs.\",\"cta\":\"Request financing\",\"step1\":{\"title\":\"Financing request\",\"text\":\"Initial contact with the sales team. Verification of minimum project requirements. Project presentation.\"},\"step2\":{\"title\":\"Analysis and decision\",\"text\":\"Project and developer review. Evaluation by the committee. Communication of the decision.\"},\"step3\":{\"title\":\"Publication\",\"text\":\"Campaign launch. Project financing.\"},\"step4\":{\"title\":\"Formalisation\",\"text\":\"Contract signing. Release of funds. Project follow-up.\"}}},\"press\":{\"title\":\"Cresor in the press\"},\"blog\":{\"title\":\"Alternative investment and crowdlending blog\",\"readMore\":\"READ MORE\",\"viewAll\":\"Keep reading the blog\",\"posts\":{\"growth\":{\"title\":\"The unstoppable growth of real estate crowdfunding\",\"excerpt\":\"It is no secret that the real estate sector is going through one of its best moments. Property values are growing exponentially, especially in major cities. For example, Madrid recorded an 18.9% increase in the second quarter of this year, followed by Barcelona with 6%, according to the appraisal company TINSA. That is 
22why real estate investment and crowdfunding can be highly attractive for many budgets.\"},\"alt\":{\"title\":\"Investment opportunities, alternative markets\",\"excerpt\":\"Real estate crowdfunding offers higher returns relative to the return/risk balance compared to traditional investment products, and at estimated repayment terms equal to or shorter. Looking at the data from HelpMyCash, one of the leading financial comparison sites online…\"}}}},\"oportunidades\":{\"seo\":{\"title\":\"Investment and crowdlending projects | Cresor\",\"description\":\"Discover active real estate and business crowdlending opportunities. Invest from €250 and choose the project, term and interest rate.\"},\"hero\":{\"title\":\"Opportunities\",\"subtitle\":\"Companies want to reward your trust\"},\"filters\":{\"label\":\"Filter by:\",\"projectType\":\"Project type\",\"realEstate\":\"Real estate\",\"company\":\"Company\",\"opportunityType\":\"Opportunity type\",\"fixed\":\"Fixed interest\",\"variable\":\"Variable interest\",\"status\":\"Status\",\"apply\":\"Apply filters\",\"clear\":\"Clear filters\"},\"count\":\"{count, plural, one {# opportunity} other {# opportunities}}\",\"empty\":\"There are no opportunities for the selected filters.\",\"loadMore\":\"More opportunities\"},\"blog\":{\"seo\":{\"title\":\"Investment and crowdlending blog | Cresor\",\"description\":\"Articles on crowdlending, real estate investment and alternative markets. Analysis, financial education and news from the Cresor platform.\"},\"hero\":{\"title\":\"Blog\",\"subtitle\":\"Analysis, market and financial education\"},\"empty\":\"No articles available.\",\"emptyCategory\":\"No articles in this category.\",\"searchPlaceholder\":\"Search articles...\",\"searchEmpty\":\"No articles found for “{query}”.\",\"count\":\"{count} articles\",\"loadMore\":\"Load more articles\",\"post\":{\"back\":\"Back to blog\",\"viewOriginal\":\"View on original blog\",\"allArticles\":\"All articles\",\"fallbackTitle\":\"Article — Cresor\"},\"newsletter\":{\"title\":\"Subscribe to the Cresor newsletter\",\"subtitle\":\"Get analysis, updates and real estate investment opportunities delivered to your inbox.\",\"namePlaceholder\":\"Your name\",\"emailPlaceholder\":\"[email protected]\",\"privacy\":\"I have read and accept the \u003cprivacy\u003ePrivacy Policy\u003c/privacy\u003e and the \u003clegal\u003eLegal Notice\u003c/legal\u003e.\",\"comms\":\"I agree to receive communications from Cresor.\",\"submit\":\"Subscribe\"}},\"contacto\":{\"seo\":{\"title\":\"Contact and user support | Cresor\",\"description\":\"How can we help? Get in touch with the Cresor team for investors and developers. Offices in Madrid and Barcelona, plus email support.\"},\"hero\":{\"title\":\"Contact us\",\"subtitle\":\"How can we help you?\"},\"form\":{\"title\":\"Send us a message\",\"select\":\"Select an option\",\"selectHint\":\"\",\"options\":[\"Promoter\",\"Investor\"],\"fields\":{\"name\":\"Full name*\",\"company\":\"Company name\",\"email\":\"Email*\",\"phone\":\"Phone\",\"message\":\"Message*\",\"privacy\":\"I have read and accept the \u003cprivacy\u003ePrivacy Policy\u003c/privacy\u003e and \u003clegal\u003eLegal Notice\u003c/legal\u003e\",\"comms\":\"I agree to receive communications from Cresor\",\"submit\":\"Send\"}},\"channels\":{\"title\":\"Direct channels\",\"general\":{\"label\":\"General\",\"value\":\"[email protected]\"},\"madrid\":{\"label\":\"Madrid office\",\"address\":\"Calle de San Bernardo, 123, seventh floor A\",\"city\":\"28015 Madrid, Spain\",\"phone\":\"+34 91 435 93 36\"},\"barcelona\":{\"label\":\"Barcelona office\",\"address\":\"Avinguda Diagonal 449 pral. 2ª.\",\"city\":\"08036 Barcelona, Spain\",\"phone\":\"+34 93 859 98 49\"}},\"phones\":{\"title\":\"Phone numbers\"},\"hours\":{\"title\":\"Support hours\",\"winter\":{\"label\":\"September – June\",\"lines\":[\"Monday to Thursday 9:00 – 18:00\",\"Friday 8:00 – 14:00\"]},\"summer\":{\"label\":\"July – August\",\"lines\":[\"Monday to Friday 8:00 – 15:00\"]}},\"maps\":{\"alt\":\"{office} map\"}},\"inversores\":{\"seo\":{\"title\":\"Real estate investment with crowdlending | Cresor\",\"description\":\"What crowdlending is and how to invest with Cresor: no investor fees, 100% online, from €250 and more than 10 years of track record.\"},\"hero\":{\"badge\":\"Crowdfunding Service Provider authorised by the CNMV No. 19\",\"title\":\"What is crowdlending and how does it work?\",\"subtitle\":\"We connect investors with pre-selected real estate and business projects.\",\"subtitle2\":\"No fees for investors. 100% online. 10+ years of track record.\",\"cta\":\"Create my account\"},\"stats\":{\"funded\":\"Total Funded\",\"averageReturn\":\"Average return*\",\"averageTerm\":\"Average term\",\"totalFunded\":\"€158,212,203\",\"totalFundedShort\":\"€158M\",\"totalAverageReturn\":\"11.04%\",\"averageTermValue\":\"12 months\",\"footnote\":\"*Past returns are not a reliable indicator of future returns.\"},\"what\":{\"title\":\"What is crowdlending and how does it work?\",\"intro1\":\"Crowdlending is a financing model that lets you invest in selected projects in exchange for a fixed return. You choose which project to invest in and with how much, adding a different asset to your diversified portfolio with an attractive risk-return profile.\",\"modalities\":\"Cresor offers two investment modalities:\",\"modA\":{\"tag\":\"investor favourite\",\"cta\":\"I want to invest\",\"title\":\"Fixed-rate real estate loan:\",\"rate\":\"10 – 12% per year\",\"text\":\"Quarterly interest payments and principal repaid at maturity, with an average investment horizon of 12 months*\"},\"modB\":{\"title\":\"Fixed-rate business loan:\",\"rate\":\"6 – 9% per year\",\"text\":\"Monthly principal and interest payments, with an average investment horizon of 4 to 12 months*\"},\"modFoot\":\"*The characteristics of each loan — such as interest payments and repayment schedules — may vary depending on the funded project. Details are specified for each opportunity.\",\"viewProjects\":\"View active projects\"},\"steps\":{\"title\":\"How to invest in Cresor step by step\",\"items\":[{\"n\":\"1\",\"title\":\"Register and access opportunities\",\"text\":\"Create your account, upload the required documents and verify your identity.\"},{\"n\":\"2\",\"title\":\"Select your opportunity and invest\",\"text\":\"Browse active projects: review interest rate, term, guarantees, risk level and full documentation for each opportunity.\"},{\"n\":\"3\",\"title\":\"Track positions and portfolio\",\"text\":\"Log in to your Cresor account to check everything related to your investments: maturities, returns, movements and more. Start enjoying real-economy investing today.\"},{\"n\":\"4\",\"title\":\"Receive your returns\",\"text\":\"Receive interest payments from real estate projects quarterly and principal repaid at maturity*. *Payment frequency is detailed in each project. Past returns are not a reliable indicator of future returns.\"}],\"cta\":\"Register\"},\"why\":{\"title\":\"Why choose Cresor?\",\"returnValue\":\"10.27\",\"termValue\":\"12\",\"amortizedValue\":\"71\",\"items\":[{\"id\":\"cnmv\",\"k\":\"CNMV No. 19\",\"v\":\"ECSPR under Regulation (EU) 2020/1503\"},{\"id\":\"return\",\"k\":\"{value}% average gross return\",\"v\":\"Completed real estate projects · year-end 2025\"},{\"id\":\"term\",\"k\":\"Average term {value} months\",\"v\":\"Quarterly interest payments for real estate projects\"},{\"id\":\"service\",\"k\":\"Quality customer service\",\"v\":\"Receive personalised attention\"},{\"id\":\"transparency\",\"k\":\"Transparency\",\"v\":\"All platform statistics are public\"},{\"id\":\"trustpilot\",\"k\":\"Trustpilot\",\"v\":\"\"},{\"id\":\"diversification\",\"k\":\"Diversification\",\"v\":\"Diversify your investment portfolio\"},{\"id\":\"amortized\",\"k\":\"{value}% repaid\",\"v\":\"Good balance vs funded volume\"}],\"footTitle\":\"Join the community of investors who already trust Cresor\",\"footText\":\"Register for free and access selected projects\",\"cta\":\"Start investing\"},\"resources\":{\"title\":\"How do we help investors?\",\"subtitle\":\"Transparency is a priority for us. That is 
22why we make the following resources available to you:\",\"items\":[{\"t\":\"Smart Investment White Paper\",\"cta\":\"Download\",\"href\":\"/libro-blanco\"},{\"t\":\"Security and investor protection\",\"cta\":\"View information\",\"href\":\"/seguridad\"},{\"t\":\"Learn about the contract models we use at Cresor.\",\"cta\":\"View information\",\"href\":\"/contratos\"},{\"t\":\"FAQs\",\"cta\":\"View FAQs\",\"href\":\"/faqs\"},{\"t\":\"Discover our Automation tool\",\"cta\":\"Learn more\",\"href\":\"/automatizacion\"}],\"contact\":{\"title\":\"I want to be contacted\",\"email\":\"Your email\",\"privacy\":\"I accept the \u003cprivacy\u003ePrivacy Policy\u003c/privacy\u003e and \u003clegal\u003eLegal Notice\u003c/legal\u003e\",\"data\":\"I accept the processing of my data\",\"submit\":\"Send\"}},\"faq\":{\"title\":\"Frequently asked questions\",\"items\":[{\"q\":\"What are the differences between crowdequity and crowdlending?\",\"a\":\"Crowdlending has its origins in crowdfunding, from which it differs in the type of return the investor receives:\",\"list\":[\"Crowdlending: investors grant loans and earn interest as a return.\",\"Equity crowdfunding: participants acquire shares or stakes in a company.\",\"Reward crowdfunding: investors receive a product or service in exchange for their contribution.\",\"Donation crowdfunding: users contribute funds without expecting financial compensation.\"],\"note\":\"At Cresor we typically operate with real estate projects under the crowdlending model, although we are also authorised by the CNMV to carry out equity projects and may do so on an occasional basis.\"},{\"q\":\"How much money do I need to start investing in crowdlending?\",\"a\":\"The minimum investment depends on each opportunity and the promoter. At Cresor you will find real estate projects with a minimum investment from €250.\"},{\"q\":\"What return can I obtain by investing in real estate crowdlending?\",\"a\":\"The return is determined project by project. At Cresor our average gross annual return is 10.27% at year-end 2025 for completed real estate projects*.\",\"note\":\"*Past returns are not a reliable indicator of future returns.\"},{\"q\":\"Do I need to pay taxes?\",\"a\":\"Interest earned from participating in crowdlending loans is subject to Personal Income Tax (IRPF) as income from movable capital. Specifically it is governed by Article 25 'Gross income from movable capital' of Law 35/2006, at the statutory rate set by the Spanish Tax Agency, which is currently 19%.\",\"note\":\"Cresor applies automatic 19% withholding. For investors with tax residency abroad, and once the relevant supporting documentation has been received, the platform will apply, where applicable, the withholding rate provided for in the double taxation treaty or applicable regulations.\",\"note2\":\"Tax treatment depends on each client's individual circumstances and may change in the future. The above tax information is provided by Cresor for informational purposes only and does not constitute tax advice from Cresor. We recommend you consult your tax adviser with any questions.\"},{\"q\":\"What are the advantages and risks of investing in real estate crowdlending?\",\"groups\":[{\"title\":\"Advantages\",\"items\":[\"Access to alternative financing with a good risk-return ratio, uncorrelated with financial markets.\",\"Easy to manage. Invest from any device, immediate access to the debt market, competitive returns with no operational costs.\",\"Minimum investments adapted to all types of portfolios and investor profiles.\",\"No fees for investors.\",\"Security and trust: anti-fraud system, encrypted transactions. Document validation and anti-money-laundering controls by Lemonway*. Supervised by the CNMV.\",\"Diversification of your investment portfolio.\"]},{\"title\":\"Risks:\",\"items\":[\"Risk of total or partial loss of invested capital.\",\"Risk of not achieving the expected return.\",\"Risk of project delays by borrowers.\",\"Liquidity risk.\"]}],\"link\":{\"label\":\"View Cresor risk model\",\"href\":\"/riesgos\"}},{\"q\":\"What guarantees exist?\",\"a\":\"For each project published by Cresor, the project promoter signs a loan agreement before a notary on behalf of and in the name of the investors. Should a recovery stage arise, we would have an enforceable title for direct executive proceedings.\",\"paras\":[\"In addition to the above, when the conclusions of the risk analysis advise it, Cresor asks the project promoter to include another company (usually the parent company of the promoter/business group) as a guarantor or surety in the contract to be signed. This company guarantees the project promoter with all its assets.\",\"Similarly, though less common in the real estate segment, the guarantee may be provided by one or more shareholders of the company.\",\"Notwithstanding the above, it is important to remember that in any company events or situations can arise that are difficult to foresee at the time of analysing the transaction and that may hinder the payment of obligations to creditors. Accordingly, the risk of non-payment of loan principal and interest always exists. For this reason, Cresor encourages investors to diversify their investments as much as possible in order to better manage risk.\"]}],\"more\":\"View all FAQs\"}},\"promotores\":{\"seo\":{\"title\":\"Financing for real estate developers | Cresor\",\"description\":\"Boost your project with real estate crowdlending. Tailored financing, fast and 100% online, through our community of investors.\"},\"tabs\":{\"inmobiliario\":\"Real estate\",\"empresas\":\"Business\"},\"hero\":{\"badge\":\"Crowdfunding Service Provider authorised by the CNMV No. 19\",\"title\":\"Finance your real estate project\",\"subtitle\":\"We finance your real estate project through our investor community.\",\"subtitle2\":\"100% online   ·   Agile   ·   No hidden costs\",\"cta\":\"Request financing\"},\"heroEmpresas\":{\"title\":\"Finance your business\",\"subtitle\":\"Access alternative financing through our investor community. Agile, 100% online and no hidden costs.\",\"cta\":\"Request financing\"},\"empresasIntro\":{\"title\":\"We connect businesses with investors.\",\"text\":\"We connect your business with our investor community to obtain a fixed-rate loan, quickly and 100% online. Ideal for working c
22apital, growth or specific project needs.\",\"cta\":\"Request financing\",\"card\":{\"status\":\"Active\",\"name\":\"Metal Line Financing\",\"place\":\"(38th op) Barcelona · Business\",\"tipoLabel\":\"Type\",\"tipo\":\"Fixed-rate business loan\",\"imagePlaceholder\":\"project image\",\"funded\":\"Funded\",\"goal\":\"Target\",\"totalReturn\":\"Total return\",\"rate\":\"Interest rate\",\"term\":\"Term to maturity\",\"rateValue\":\"6.3%\",\"termValue\":\"4\",\"annual\":\"annual\",\"months\":\"months\",\"moreInfo\":\"More Campaign Information\",\"min\":\"Minimum investment: €250\",\"by\":\"By StockCrowd IN\"}},\"business\":{\"badge\":\"Business financing\",\"title\":\"Do you want to finance a business project?\",\"intro\":\"We offer a fixed-rate loan designed for companies with a proven track record, solvency and repayment capacity.\",\"cta\":\"Request financing\",\"product\":{\"title\":\"Fixed-rate business loan\",\"desc\":\"Fixed-rate financing to cover working capital, investment or growth needs, with terms tailored to your business.\",\"term\":\"Up to 48 months\",\"type\":\"Fixed rate\"},\"reqs\":{\"title\":\"Minimum requirements\",\"items\":[\"Company resident in Spain\",\"Minimum 3 years of activity\",\"Minimum turnover of €400,000\",\"No payment default alerts in credit behaviour files\"]}},\"metrics\":{\"promotersValue\":\"X\",\"promoters\":\"promoters have been financed with us\",\"projectsValue\":\"934\",\"projects\":\"real estate projects financed\",\"homesValue\":\"X\",\"homes\":\"homes we have helped build\"},\"what\":{\"title\":\"What does real estate project financing with Cresor involve?\",\"p1\":\"We finance your real estate project through our investor community, quickly and 100% online. We cover new-build, refurbishment, flipping or change-of-use projects, among others, with a fixed-rate loan.\",\"p2\":\"At Cresor we can activate capital in phases, in line with construction progress, technical certifications or the volume of pre-sales achieved. Your project sets the pace: we accompany you from asset acquisition through to the execution and commercialisation of the development.\",\"cta\":\"Request financing\"},\"process\":{\"title\":\"How does it work? Step by step\",\"subtitle\":\"100% online process, agile and with no hidden costs.\",\"steps\":[{\"n\":\"01\",\"title\":\"Financing request\",\"items\":[\"Initial contact with the commercial team.\",\"Verification of minimum project requirements.\",\"Project presentation.\"]},{\"n\":\"02\",\"title\":\"Analysis and decision\",\"items\":[\"Study of the project and the promoter.\",\"Committee evaluation.\",\"Communication of the decision.\"]},{\"n\":\"03\",\"title\":\"Publication\",\"items\":[\"Campaign launch.\",\"Project financing.\"]},{\"n\":\"04\",\"title\":\"Formalisation\",\"items\":[\"Contract signing.\",\"Disbursement of funds.\",\"Project monitoring.\"]}],\"cta\":\"I want tailored financing\"},\"processEmpresas\":{\"title\":\"How does it work? Step by step\",\"subtitle\":\"100% online process, agile and with no hidden costs.\",\"steps\":[{\"n\":\"01\",\"title\":\"Financing request\",\"items\":[\"Initial contact with the commercial team.\",\"Verification of minimum requirements.\"]},{\"n\":\"02\",\"title\":\"Analysis and decision\",\"items\":[\"Business study.\",\"Committee evaluation.\",\"Communication of the decision.\"]},{\"n\":\"03\",\"title\":\"Publication\",\"items\":[\"Campaign launch.\",\"Transaction financing.\"]},{\"n\":\"04\",\"title\":\"Formalisation\",\"items\":[\"Contract signing.\",\"Disbursement of funds.\",\"Loan monitoring.\"]}],\"cta\":\"I want tailored financing\"},\"features\":{\"title\":\"Characteristics of our developer loan\",\"items\":[{\"t\":\"Up to €5,000,000\",\"d\":\"We finance in different phases according to project needs.\"},{\"t\":\"Term tailored to the project\",\"d\":\"We set the term according to the requirements of the promoter and the project.\"},{\"t\":\"Does not count towards CIRBE\",\"d\":\"As it is not registered in the Central Credit Register, it does not reduce your bank borrowing capacity.\"},{\"t\":\"100% online\",\"d\":\"Fully digital management with access to our team at all times to accompany you throughout the process.\"}]},\"types\":{\"title\":\"Types of projects we finance\",\"items\":[{\"title\":\"Asset acquisition\",\"desc\":\"We finance the purchase of land or property so you can secure the transaction from day one, without tying up your treasury.\"},{\"title\":\"Financing of costs required for construction\",\"desc\":\"We cover construction costs by phases, releasing capital as the works and their technical certifications progress.\"},{\"title\":\"Bridge loan until bank financing is formalised\",\"desc\":\"We provide immediate liquidity while bank financing is being formalised, so the project is not held up by bank timelines.\"},{\"title\":\"Complement to bank financing\",\"desc\":\"We cover what the bank does not, with less stringent pre-sale percentage requirements and adapted to your transaction structure.\"}],\"cta\":\"I want to finance my project\"},\"fundedProjects\":{\"title\":\"Funded projects\",\"viewAll\":\"View all opportunities\"},\"form\":{\"title\":\"Finance your project\",\"disclaimer\":\"To finance your project you must contribute own funds, have experience in the real estate sector — either personally or through the management team — and have no payment default alerts.\",\"fields\":{\"name\":\"Full name*\",\"company\":\"Company name*\",\"email\":\"Email*\",\"phone\":\"Phone*\",\"message\"
22:\"Message*\",\"file\":\"Attach documentation (optional)\",\"privacy\":\"I have read and accept the \u003cprivacy\u003ePrivacy Policy\u003c/privacy\u003e and \u003clegal\u003eLegal Notice\u003c/legal\u003e\",\"comms\":\"I agree to receive communications from Cresor\",\"submit\":\"Send\"},\"weAre\":{\"title\":\"We are\",\"p1\":\"We are the crowdlending platform that connects your real estate projects with our investor community. Access your developer loan in an agile, 100% online way.\",\"p2\":\"Crowdfunding Service Provider (ECSPR) authorised by the CNMV, No. 19.\",\"benefits\":[\"We finance your project in phases\",\"You optimise financial costs\",\"Less stringent pre-sale % requirements\",\"Personalised support, agile process and 100% online\"]}},\"formEmpresas\":{\"title\":\"Finance your business\",\"disclaimer\":\"To apply for business financing, the application must be made through a legal entity more than four years old, with an annual turnover exceeding one million euros, profitable, and with a clean financial history with no payment default alerts.\",\"p1\":\"We are the crowdlending platform that connects businesses with our investor community.\",\"p2\":\"Crowdfunding Service Provider (ECSPR) authorised by the CNMV, No. 19.\",\"benefits\":[\"Fixed-rate loans\",\"Agile financing, 100% online\",\"No additional products required\"]},\"faq\":{\"title\":\"Frequently asked questions\",\"viewMore\":\"View more FAQs\",\"items\":[{\"q\":\"What is the average time to receive financing approval, and how long does fund-raising on the platform typically take?\",\"a\":\"The analysis and approval of a project typically takes between 2 and 4 weeks from receipt of all required documentation — time we use to thoroughly evaluate both the project and the promoter. Once approved and published on the platform, fund-raising time depends on investor demand, though it usually does not exceed 72 hours.\"},{\"q\":\"What are the requirements to apply for financing?\",\"a\":\"To apply for financing, the following requirements must be met:\",\"list\":[\"Contribution of own funds to the project.\",\"Experience in the real estate sector, either from the company or the management team.\",\"No payment default alerts or incidents.\"]},{\"q\":\"Do you finance industrialised construction projects?\",\"a\":\"Yes, we finance industrialised construction projects provided they meet the same viability criteria as other projects. As with any other transaction, we evaluate the project, the promoter and the guarantees provided.\"},{\"q\":\"What is the difference between a fixed-rate loan and equity?\",\"paras\":[\"Fixed-rate loan: investors act as lenders and the promoter as the borrower. The latter, as the loan holder, undertakes to repay it within a previously agreed period, paying interest (at an also pre-agreed annual rate) that constitutes the return obtained by the investor.\",\"Equity: this is also a form of collective investment and financing, but in this case the investor receives, in exchange for their contribution, shares in the share capital of the financed company. If the company's value increases, so does the value of those shares, in addition to any profits generated by the business activity. The investor thus obtains a return through the distribution of dividends, depending on the number of shares and the capital held at any given time.\"]}]},\"faqEmpresas\":{\"title\":\"Frequently asked questions\",\"items\":[{\"q\":\"Who can apply for a loan?\",\"paras\":[\"Any company resident in Spain. For real estate projects, companies must have a minimum of two years of experience in the real estate sector (either the company itself, the director of the company or its shareholders), and for business projects they must have a minimum of three years of activity and a minimum turnover of €400,000. None of the financed companies may have payment default alerts in credit behaviour files.\",\"These are the minimum requirements for studying any transaction; however, meeting them does not guarantee that the risk committee will approve the request.\"]},{\"q\":\"What is the minimum information required for the loan application?\",\"paras\":[\"Different information about your company will be required throughout the loan application process.\",\"First, to begin the process, basic information will be requested to determine whether the company and the transaction meet the minimum requirements. You will then need to provide information for identifying and contacting the company (tax ID, phone, 
22contact person, etc.), details of the transaction and basic financial and tax data. Finally, if the transaction is deemed potentially viable, additional documentation supporting the information provided will be required, as well as any other documentation considered necessary to present the offer to investors.\"]},{\"q\":\"What company information will be available to investors?\",\"list\":[\"Loan title: name the company gives to the transaction, e.g. 'Warehouse refurbishment'. For real estate, it includes the street name and location.\",\"Loan amount\",\"Term\",\"Interest rate for investors\",\"Funds raised at the time of enquiry\",\"Rating\",\"Region\",\"Sector\",\"Group\",\"Guarantees (if any)\"],\"groups\":[{\"title\":\"Registered investors will also be able to see the following information:\",\"items\":[\"Company profile (company name, who we are, purpose of the loan, etc.)\",\"For real estate projects: all details about the property (land registry note, appraisal, cadastral data, etc.)\",\"Financial summary (balance sheet, income statement and financial ratios) for the last financial years filed with the commercial registry.\",\"Q\u0026A forum where investors can ask questions to the company and view its answers.\"]}],\"paras\":[\"Transactions with Mutual Guarantee Societies (SGR)\",\"Cresor has signed agreements with Mutual Guarantee Societies (SGR).\",\"SGRs are non-profit financial institutions regulated and supervised by the Banco de España whose objective is to help companies obtain financing through guarantees.\",\"The SGR guarantee can range from 50% to 100% of the transaction, guaranteeing loan repayment at this percentage in the event of default.\",\"Any transaction guaranteed by an SGR is indicated in the projects, stating the percentage of the guarantee provided.\",\"Transactions by real estate companies are not subject to these agreements.\"]},{\"q\":\"Can a company cancel a loan application after obtaining financing?\",\"a\":\"Yes, there is no problem with that. The application can be cancelled before the loan is formalised. The Lemonway cost will be incurred and capital will be returned to investors.\"},{\"q\":\"Can a company modify its loan application once it has been published on the platform?\",\"a\":\"Once the loan application has been published on the platform, it cannot be modified. If approved by the committee and there is investor demand, the initial published amount may be increased by up to 25%.\"}]}},\"legal\":{\"_PENDIENTE\":\"Pending official English translation of the CNMV legal texts.\"},\"riesgos\":{\"seo\":{\"title\":\"Risks of investing in crowdlending | Cresor\",\"description\":\"Risk is part of any crowdlending investment. At Cresor we mitigate it with a management model backed by more than 10 years in risk control.\"},\"tocLabel\":\"Table of contents\",\"tocHeading\":\"On this page\",\"toc\":[{\"id\":\"sec-proceso\",\"label\":\"A rigorous 4-stage process\"},{\"id\":\"sec-riesgos\",\"label\":\"Crowdlending risks\"},{\"id\":\"sec-modelo-riesgos\",\"label\":\"Risk model\"},{\"id\":\"sec-interes\",\"label\":\"How is the interest rate determined?\"},{\"id\":\"sec-formalizacion\",\"label\":\"Transaction formalisation\"},{\"id\":\"sec-seguimiento\",\"label\":\"Monitoring and repayments\"},{\"id\":\"sec-recobro\",\"label\":\"Default risk and recovery protocol\"},{\"id\":\"sec-reducir\",\"label\":\"How to reduce risks\"}],\"hero\":{\"badge\":\"Crowdfunding Service Provider authorised by the CNMV No. 19\",\"title\":\"Crowdlending risks\",\"subtitle\":\"How we identify and mitigate them at Cresor\",\"p1\":\"Risk is an intrinsic factor in any crowdlending investment. At Cresor, we mitigate this exposure through a rigorous management model backed by more than 10 years of risk control experience.\",\"p2\":\"\"},\"metrics\":[{\"v\":\"Weekly\",\"l\":\"Risk Committee meeting + extraordinary sessions\"},{\"v\":\"AI + Big Data\",\"l\":\"scoring model with AIS Group and Axesor\"},{\"v\":\"€158,212,203\",\"l\":\"total funded\"},{\"v\":\"+2,900\",\"l\":\"investors who already trust Cresor\"}],\"stagesTitle\":\"A rigorous 4-stage process\",\"stages\":[{\"n\":\"STAGE 1\",\"title\":\"Pre-selection\",\"text\":\"We evaluate the opportunity, the promoter and the market context before beginning the analysis.\"},{\"n\":\"STAGE 2\",\"title\":\"Risk analysis\",\"text\":\"We apply a risk model that combines technical, financial and automated scoring analysis. The risk committee makes a final decision based on the report and analyses generated.\"},{\"n\":\"STAGE 3\",\"title\":\"Publication and formalisation\",\"text\":\"We publish the opportunity and formalise the transaction before a notary.\"},{\"n\":\"STAGE 4\",\"title\":\"Quarterly monitoring\",\"text\":\"Continuous supervision of the project throughout the life of the loan.\"}
22],\"stagesRecovery\":{\"title\":\"Recovery protocol (if applicable)\",\"text\":\"We act to protect investor interests in the event of incidents, divided into an amicable stage and a judicial stage.\"},\"risks\":{\"title\":\"What risks does crowdlending carry?\",\"intro\":\"The degree or level of risk present in the opportunities published by Cresor is variable and must be analysed on a case-by-case basis. Investors can be guided by the published ratings to gauge the level of risk subscribed. Nevertheless, it is important to remember that in any company events or situations may occur that are difficult to foresee at the time of analysing the transaction and that may hinder the payment of obligations to creditors. Consequently, the risk of non-payment of loan principal and interest always exists. For this reason, Cresor encourages investors to diversify their investments as much as possible in order to better manage risk.\",\"items\":[\"Risk of total or partial loss of invested capital\",\"Risk of not obtaining the expected return\",\"Risk of project delay by borrowers\",\"Liquidity risk\"],\"link\":\"View our statistics\"},\"model\":{\"title\":\"The promoter analysis model\",\"sectionTitle\":\"Risk Model\",\"tabRealEstate\":\"Real Estate Promoter\",\"tabBusiness\":\"Business\",\"switchToBusiness\":\"View business risk model\",\"switchToRealEstate\":\"View real estate risk model\",\"p1\":\"At Cresor we work with AIS Group, a specialist in credit risk management models, applying artificial intelligence, big data and financial analysis techniques to calculate three scorings before publishing any real estate project. Through this model, Cresor incorporated AIS's experience and knowledge in big data technology and credit risk analysis, automating the evaluation process and specialising it in the real estate sector while always retaining the human judgement provided by the Risk Committee and its members.\",\"p2\":\"The promoter scoring is the result of a combination of three distinct calculation modules: the financial module, the operational module, and the qualitative module.\",\"p3\":\"We combine quantitative and qualitative information to assess the probability that a promoter may default.\",\"modulesTitle\":\"Promoter scoring: three analysis modules\",\"modules\":[{\"h\":\"FINANCIAL MODULE\",\"items\":[\"Liquidity ratios\",\"Solvency and leverage\",\"Activity and profitability\",\"Default probability\"]},{\"h\":\"OPERATIONAL MODULE\",\"items\":[\"Bank of Spain debt (CIRBE)\",\"Behaviour with the financial system\",\"Previous incidents\"]},{\"h\":\"QUALITATIVE MODULE\",\"items\":[\"Management experience\",\"Number of developments in progress\",\"Successfully completed developments\"]}],\"promoTitle\":\"Development rating\",\"promoIntro\":\"The rating of each development combines profitability with qualitative factors that assess the viability and quality of the project.\",\"promoOutro\":\"The objective is to provide a comprehensive and transparent assessment that helps investors make informed decisions.\",\"promoModules\":[{\"h\":\"EXPECTED RETURN (IRR)\",\"items\":[\"Expected internal rate of return\",\"Validation by external source\",\"Estimated project return\"]},{\"h\":\"QUALITATIVE FACTORS\",\"items\":[\"Building permit processing status\",\"Own funds contribution\",\"Professionalisation of planning\",\"Budget detail\",\"Mortgage loan granted\"]},{\"h\":\"DEVELOPMENT SIZE\",\"items\":[\"Large: construction ≥ €3M and loan \u003e €1M\",\"Small: does not meet previous criteria\",\"Parameters and weights adapted to size\"]}],\"globalTitle\":\"Global rating\",\"global1\":\"Once the scorings and ratings for both the promoter and the development have been obtained, the model merges them into a global scoring and rating that takes into account the type of loan (fixed or participating) when assigning weights to the promoter and development scores.\",\"global2\":\"For a fixed loan the model gives greater weight to the promoter rating, while for a participating loan (largely based on the estimated return of a project), the model favours the development rating.\",\"committeeTitle\":\"The Risk Committee: who forms it and how it decides whether a project is published\",\"committee1\":\"This body, made up of representatives from the commercial, investor, operations, advisory and management teams, is responsible for deciding the approval of the publication of each internally analysed opportunity and its conditions.\",\"committee2\":\"The risk analyst presents a comprehensive report on the company and the project for real estate developments:\\n- Company: sector, corporate bodies, business history and prior experience, together with financial statements (solvency, liquidity, leverage, EBITDA, debt declared with the Bank of Spain and mortgageability), for both the holder and any possible guarantors. The guarantee reinfor
22ces the security in the event of default but does not determine the transaction rating.\\n- Project: technical analysis of the transaction.\",\"committee3\":\"When analysing financial statements, a minimum of three closed financial years filed with the Commercial Registry, Audits or Corporate Income Tax returns are always used, together with provisional data for the current year (this data is always included in the opportunity under 'interesting documents').\",\"committee4\":\"Once all parties have presented their case, the Management Committee votes. If there is a majority, the opportunity is listed on the Marketplace. At that point the interest rate range, term, payment system, guarantors, conditions and maximum amount to be financed are determined.\",\"committee5\":\"It is also at that point that the maximum amount the platform is willing to finance is determined, along with how it will be drawn down, and whether it relates to a renewal or a new company.\",\"committee6\":\"On occasion, the committee may be convened solely to ratify a drawdown from a repeat client rather than a new limit, always reviewing the company's updated data.\",\"scaleTitle\":\"Rating scale — real estate projects\",\"scale\":[{\"k\":\"AAA\",\"v\":\"Very low risk\"},{\"k\":\"A\",\"v\":\"Low risk\"},{\"k\":\"B\",\"v\":\"Medium risk\"},{\"k\":\"C\",\"v\":\"Medium-high risk\"},{\"k\":\"E\",\"v\":\"High risk\"},{\"k\":\"F\",\"v\":\"Very high risk\"}],\"scaleNote\":\"The rating is visible in the thumbnail and detail of each opportunity published on the platform.\",\"outro1\":\"Once the global rating has been analysed — together with any other relevant element that, in the risk analyst's judgement, should be considered — the Risk Committee intervenes.\",\"outro2\":\"A high AIS rating does not guarantee project approval. Cresor sets a minimum AIS and internal rating, but the final decision is based on the overall solvency of the company and the project.\",\"outro3\":\"It is important to clarify that the ultimate investment decision rests with the investor, who assumes the risk of the transaction. It is therefore important to review the documentation provided by the company and decide individually whether to invest in that transaction. On our Spanish-language blog you can find articles on how to analyse a company's balance sheet and income statement.\"},\"committee\":{\"title\":\"The Risk Committee: who forms it and how it decides whether a project is published\",\"outro1\":\"Through this model, Cresor incorporated AIS's experience and knowledge in big data technology and credit risk analysis, automating the evaluation process and specialising it in the real estate sector.\",\"outro2\":\"Despite these improvements in technology and automation, Cresor recognises the importance of relying on the expert judgement of the risk analyst in order to: 1) cross-check the results of the automated tool; 2) identify risks or situations not covered in specific cases; and 3) detect model limitations for continuous improvement. This approach is applied to any project, promoter or company analysed by our crowdfunding service provider.\",\"imageAlt\":\"Cresor Risk Committee room\",\"blocks\":[{\"n\":\"01\",\"title\":\"Composition\",\"text\":\"This body, made up of representatives from the commercial, investor, operations, advisory and management teams, is responsible for deciding the approval of the publication of each internally analysed opportunity and its conditions.\"},{\"n\":\"02\",\"title\":\"Technical report (real estate projects only)\",\"text\":\"At this stage of the analysis, the technical, economic and commercial viability of the development is assessed, reviewing aspects such as costs, construction timelines, financing, pre-sales, permits and the degree of project progress, with the aim of evaluating the risk of the transaction.\"},{\"n\":\"03\",\"title\":\"Financial risk analysis\",\"text\":\"At this stage, the sector, corporate structure, promoter experience and financial position are analysed (solvency, liquidity, leverage, EBITDA, debt declared with the Bank of Spain and other relevant indicators), for both the holder and, where applicable, the guarantors. The existence of guarantees reinforces the transaction security but does not influence the rating.\"},{\"n\":\"04\",\"title\":\"Financial data analysed\",\"text\":\"When analysing financial statements, a minimum of three closed financial years filed with the Commercial Registry, Audits or Corporate Income Tax returns are always used, together with provisional data for the current year (always included in the opportunity under 'interesting documents').\"},{\"n\":\"05\",\"title\":\"The final decision\",\"text\":\"Once all parties have presented their case, the Management Committee votes. If there is a majority, the opportunity is listed on the Marketplace and the interest rate, term, payment system, guarantors, conditions and maximum financing amount are set. For repeat clients, the committee may be convened solely to ratify a drawdown within an already approved limit, always reviewing the company's updated data.\"}]},\"business\":{\"title\":\"The analysis model for business projects\",\"p1\":\"For business project publications, a prior analysis of the documentation and information provided by the company is carried out, requesting a financial report from an external rating agency which provides, among other things, information on the promoter's credit risk, commercial, legal and commercial information and economic-financial information.\",\"p2\":\"Simultaneously with the reports requested from external agencies for each business project, Cresor prepares a dossier following an equally thorough review of the received documentation, examining and analysing the various variables to assess the viability of the transaction, financial statements, their evolution, tax information, the purpose of the requested loan, the sector, payment behaviour in default files, business history, declared CIRBE debt, etc.\",\"p3\":\"Finally, the conclusion is formulated in an integrated risk report and an internal rating is assigned to determine whether the company is admitted as a financing recipient on the Platform.\",\"p4\":\"The final decision-making body, as in the real estate vertical, is the Risk Committee, whose function does not differ from the real estate model.\",\"scaleTitle\":\"Rating scale — business projects\",\"scale\":[{\"k\":\"9-10\",\"v\":\"Risk level\"},{\"k\":\"7-8\",\"v\":\"Risk level\"},{\"k\":\"5-6\",\"v\":\"Risk level\"},{\"k\":\"3-4\",\"v\":\"Risk level\"}
22],\"scaleNote\":\"The rating is visible in the thumbnail and detail of each opportunity published on the platform.\",\"p5\":\"The rating we publish in projects corresponds to a rating from an external rating agency, Axesor, on a maximum scale of 10. That is, a 10 corresponds to the best financial solvency and lowest probability of default, while 1 represents the worst financial solvency and highest probability of default.\",\"p6\":\"The rating calculation takes into account both the financial information of the company and payment incidents, sector and length of business activity. At Cresor we also calculate an internal rating. Although not published in the project, it is a decisive factor for deciding whether to publish the project, as the company must meet our established criteria reviewed by the committee.\",\"p7\":\"A high Axesor rating does not guarantee project approval. Cresor sets a minimum Axesor and internal rating, but the final decision is based on the overall solvency of the company and the project.\",\"p8\":\"It is important to clarify that the ultimate investment decision rests with the investor, who assumes the risk of the transaction. It is therefore important to review the documentation provided by the company and decide individually whether to invest in that transaction. On our Spanish-language blog you can find articles on how to analyse a company's balance sheet and income statement.\"},\"rate\":{\"title\":\"How is the interest rate determined?\",\"intro\":\"The interest on each loan depends on a combination of several factors.\",\"cards\":[{\"title\":\"Project rating\",\"desc\":\"The better the rating, the lower the interest.\"},{\"title\":\"Transaction term\",\"desc\":\"The longer the term, the higher the interest.\"},{\"title\":\"Transaction type\",\"desc\":\"Each project type has its own risk structure.\"},{\"title\":\"Promoter solvency\",\"desc\":\"Experience and financial strength influence the interest rate.\"},{\"title\":\"Market conditions\",\"desc\":\"The economic context is also taken into account.\"}]},\"formal\":{\"title\":\"Transaction formalisation: notarial signing\",\"real\":{\"title\":\"Real estate projects\",\"text\":\"The loan agreement is always formalised before a notary, with the list of all investors acting as lenders recorded in the deed. Once signed and the simple copy verified, the funds are disbursed. The loan comes into effect on the next business day after disbursement.\"},\"biz\":{\"title\":\"Business projects\",\"text\":\"A 'framework agreement' is formalised before a notary establishing the conditions common to all future drawdowns. The first drawdown is normally partial; the rest are carried out by electronic signature under the framework agreement conditions. If the company's situation were to change, the Committee could decide not to make further drawdowns.\"}},\"follow\":{\"title\":\"Monitoring and repayments\",\"intro\":\"Once a project is published and funded, Cresor actively monitors it throughout the life of the loan — both for real estate and business projects.\",\"real\":{\"tag\":\"REAL ESTATE\",\"title\":\"Bullet repayment structure\",\"text\":\"Interest is paid periodically by bank transfer and the full principal is repaid at project maturity. Maximum payment date is D+4.\"},\"biz\":{\"tag\":\"BUSINESS\",\"title\":\"French repayment structure\",\"text\":\"The first principal + interest instalment accrues one month from the effective date. Cresor issues a monthly SEPA B2B debit credited to the investor at D+4. Some transactions have quarterly or bullet payments — this is indicated in each publication.\"},\"p1\":\"If the approved framework agreement allows it and progress is as expected, we will propose new opportunities, which will first be ratified by our Committee.\",\"p2\":\"We review the relationship with the company annually, unless circumstances require us to do so earlier.\",\"p3\":\"If abnormal situations are identified, or situations that could dangerously increase the initially assessed risk level, Cresor will contact the Promoter/Company with the aim of, first, understanding the situation and, second, tr
22ying to ensure that the potential impact on the loan project is minimal and controlled. Cresor acts at this stage with the aim of achieving the maximum benefit for the investor.\"},\"recovery\":{\"title\":\"Default risk and recovery protocol at Cresor\",\"p1\":\"Although all projects go through a thorough analysis and selection process, there is a possibility that, during the life of the loan, the Promoter or Company may be unable to meet its payment obligations.\",\"p2\":\"In that case, Cresor coordinates the necessary actions to maximise the recovery of amounts owed on behalf of investors.\",\"phases\":[{\"title\":\"Amicable phase\",\"paragraphs\":[\"First, a negotiation phase is initiated with the Promoter or Company to attempt to reach an out-of-court solution, which may include a payment schedule or other measures to regularise the situation.\",\"If a refinancing agreement proposal is put forward, it must be approved by the majority of investors linked to the loan.\"]},{\"title\":\"Judicial phase\",\"paragraphs\":[\"Legal proceedings are the last resort and, whenever possible, we try to avoid reaching this stage through a negotiated solution. However, if no agreement is reached or the proposal does not obtain investor approval, appropriate legal actions will be initiated to claim the outstanding amounts.\",\"The duration and outcome of legal proceedings depend on the circumstances of each case. Nevertheless, Cresor structures its transactions with mechanisms that reinforce the legal position of investors. These include formalising the loan agreement in a public deed, which, where applicable, facilitates and expedites the exercise of legal actions for debt recovery. In addition, many of our transactions have additional guarantees, such as mortgage guarantees, sureties or personal guarantees, which provide additional protection and may contribute to improving the chances of capital recovery.\"]}]},\"best\":{\"title\":\"How to reduce risks: best practices before investing\",\"items\":[{\"t\":\"Diversify across projects\",\"d\":\"Optimise your returns by distributing your capital across multiple projects, building a balanced portfolio and mitigating risk.\"},{\"t\":\"Review the rating\",\"d\":\"It provides a quick overview of the risk level of the opportunity.\"},{\"t\":\"Read the documentation\",\"d\":\"Once registered, you have access to all the detailed project information available on the platform until its financing is complete.\"}]},\"faq\":{\"title\":\"Frequently asked questions\",\"more\":\"View more FAQs\",\"items\":[\"What are the main risks of real estate crowdfunding?\",\"What happens if the promoter does not repay the money?\",\"How is the interest rate for each project determined?\",\"How do I know that Cresor has properly analysed the project before publishing it?\",\"What happens if Cresor stops operating?\"],\"answers\":[\"The main risks include total or partial loss of capital, not obtaining the expected return, project delays and lack of investment liquidity. The specific level varies by opportunity and is reflected in the published rating.\",\"We activate a recovery protocol: first an amicable phase and, if no agreement is reached, a judicial phase. The publicly notarised contract helps protect the investor.\",\"We combine rating, term, transaction type, promoter solvency and market conditions. The better the rating and the shorter the term, the lower the interest rate tends to be.\",\"Each project goes through pre-selection, scoring (AIS/Axesor), analyst report and Risk Committee approval before being listed on the marketplace. In any case, the ultimate decision on whether to invest in a project rests with the investor, and we make all necessary information available to enable informed decisions on transaction risk.\",\"Loan agreements are formalised before a notary in favour of investors. The continuity of operations and custody of funds are designed to protect investors independently of the platform.\"]}},\"sobre-nosotros\":{\"seo\":{\"title\":\"Who we are | The team behind Cresor\",\"description\":\"Meet the team of professionals behind Cresor: specialists in real estate crowdlending, technology and investor protection.\"},\"hero\":{\"quoteChip\":\"“We improve the financial system with technology and innovation.”\",\"titleLine1\":\"People behind\",\"titleLine2\":\"every investment.\",\"intro\":\"A multidisciplinary team committed to transparency, rigour and investor protection.\",\"overlay\":\"People.\",\"inMedia\":\"In the media\",\"live\":\"Live\",\"photoSoon\":\"Photo coming soon\",\"photoAlt\":\"Cresor team\"},\"team\":{\"eyebrow\":\"The team\",\"title\":\"People behind this transformation\",\"linkedinLabel\":\"{name}'s LinkedIn\"},\"cta\":\"Talk to us →\",\"pressQuotes\":[{\"source\":\"Expansión\",\"text\":\"Technology makes it possible to democratise access to real-estate investment.\"},{\"source\":\"El Confidencial\",\"text\":\"Regulated crowdlending is already a real diversification alternative.\"},{\"source\":\"ABC\",\"text\":\"Transparency and regulation are the pillars for scaling crowdfunding.\"},{\"source\":\"Brainsre.news\",\"text\":\"The real-estate sector needs new, more agile financing models.\"},{\"source\":\"El Economista\",\"text\":\"Our commitment is to the protection of the retail investor.\"}],\"roles\":{\"sergi\":\"Co-Founder \u0026 Advisor\",\"mireia\":\"Co-Founder \u0026 CEO\",\"esther\":\"Director of Investor Relations\",\"anna\":\"Risk Director\",\"domingo\":\"Commercial Director Madrid\",\"mayte\":\"Commercial Director Madrid\",\"ignacio\":\"Risk \u0026 Compliance Advisor\",\"juan\":\"CTO\",\"diana\":\"Investor Account Executive\",\"oriol\":\"Investor Account Executive\",\"gabriel\":\"Software Engineer\",\"laura\":\"Marketing\",\"christine\":\"Independent Consultant\",\"arturo\":\"Operations Manager\",\"miguel\":\"Business Development Director\",\"sandra\":\"Commercial Director\"}},\"informacion-basica\":{\"seo\":{\"title\":\"Basic information for investors | Cresor\",\"description\":\"Read the basic 
22investor information before investing in real estate crowdlending through Cresor, a CSP authorised by the CNMV (no. 19).\"},\"hero\":{\"badge\":\"CNMV — Registration No. 19\",\"title\":\"Basic information for investors\",\"lead\":\"Before investing through our crowdfunding service platform, it is essential that you read and understand the following information about risks, operating procedures and your rights as an investor.\"},\"s01\":{\"title\":\"Introduction\",\"intro\":\"At Cresor we want you to be aware of the risks involved in investing through loans or any other form permitted in each case through a crowdfunding service platform. Please remember that:\",\"items\":[\"You should not invest money you cannot afford to lose.\",\"It is advisable to diversify your investments across several companies.\",\"Read carefully all available information about each company and its project.\",\"If in doubt, consult an independent professional adviser.\"]},\"s02\":{\"title\":\"Company performance\",\"p1\":\"The return and value of your investment will depend on the success of the company (also referred to as the 'Promoter' in accordance with the Terms of Service) and the project in which you invest. Therefore, if things do not go well, you may not achieve the expected return and, in the worst case scenario, you could lose all or part of the money you invest.\",\"p2\":\"Your investment is not guaranteed. This means that no one — neither Cresor, nor the Project Promoter, nor any guarantee fund — guarantees the recovery of your investment or a minimum return. Therefore, if you invest in a company and it becomes insolvent, Cresor will not return the investment made.\"},\"s03\":{\"title\":\"Risk of inability to influence company management\",\"p1\":\"Investors will not be able to influence the management of companies and projects financed through the crowdfunding service platform.\"},\"s04\":{\"title\":\"Lack of liquidity and transferability\",\"p1\":\"Without prejudice to the specific characteristics of your investment and the specific conditions of the company or project in which you invest, you should bear in mind the lack of liquidity of the investment given that there is no (secondary) market in which you can offer, at any time, the sale, transfer or assignment of your investment to other potentially interested parties, and therefore it cannot be converted into cash immediately or quickly.\"},\"s05\":{\"title\":\"Diversification\",\"p1\":\"We recommend that investors build an investment portfolio, maintaining a diversified portfolio and reducing the associated risks. Diversifying means spreading an amount of money across many investments.\"},\"s06\":{\"title\":\"Supervision\",\"p1\":\"Cresor does not hold the status of an investment services firm or credit institution and is not affiliated to any investment guarantee fund or deposit guarantee fund. Crowdfunding projects are not subject to authorisation or supervision by the Comisión Nacional del Mercado de Valores or by the Banco de España. Therefore, the information provided by Promoters about Projects has not been reviewed by those bodies, nor, if securities are issued, does it constitute a prospectus approved by the Comisión Nacional del Mercado de Valores.\"},\"s07\":{\"title\":\"Applicable fees and billing\",\"p1\":\"You can see the details of the applicable fees at this link\",\"linkLabel\":\"Fee policy\"},\"s08\":{\"title\":\"Contracting procedure\",\"p1\":\"As described in the Terms Applicable to the Crowdfunding Services provided by Cresor through the Portal, which the user accepts upon registration, Cresor makes available to its clients (Investors and Promoters) the contractual models and subscription mechanisms necessary to structure the financing of the Projects published on Cresor.\"},\"s09\":{\"title\":\"Complaints and claims policy — Customer service department\",\"intro1\":\"Communications to this department are reserved for complaints and claims. For enquiries you can contact us at\",\"intro2a\":\"Please complete the following\",\"intro2b\":\"form\",\"intro2c\":\"and submit it via one of the following channels:\",\"resolution\":\"Cresor is obliged to address and resolve complaints within 15 calendar days from the date Cresor notifies the user of receipt of the relevant complaint or claim, submitted by ordinary mail, courier or electronic means.\",\"postalLabel\":\"Postal address\",\"postalName\":\"Customer Service Department of StockCrowd Platform, S.L.\",\"postalAddress\":\"C/ San Bernardo, No. 123, 7A — 28015 Madrid\",\"emailLabel\":\"Email address\",\"cnmvTitle\":\"CNMV Claims Service\",\"cnmvP1\":\"The CNMV handles complaints and claims from users of investment services where they consider that their investments may have been harmed by the conduct of persons or entities subject to CNMV supervision. It is necessary to first exhaust the route through Cresor's Customer Service Department before submitting complaints and claims to the CNMV Claims Service.\",\"cnmvPostalLabel\":\"Postal address\",\"cnmvPostalName\":\"CNMV Claims Service\",\"cnmvPostalAddress\":\"C/ Edison, 4 — 28006 Madrid\",\"cnmvOnlineLabel\":\"Online form\",\"funcionesTitle\":\"Functions of the Customer Service Department\",\"funcionesItems\":[\"The processing of files to address and resolve complaints and claims submitted by Cresor clients, directly or through a representative. In accordance with Article 2(2) of Order ECO/734/2004, client complaints and claims must relate to their legally recognised interests and rights, whether arising from contracts, transparency and customer protection regulations, or good financial practices and customs, in particular the principle of fairness.\",\"To present, formulate and make reports, recommendations and proposals to Cresor on matters within its competence that it considers may promote the fair and trusting relationships that should exist between Cresor and its clients.\",\"To issue a reasoned decision within 15 calendar days from the date Cresor notifies the user of receipt of the relevant complaint or claim. Once this period has elapsed, the client may apply to the CNMV Claims Service.\"],\"normativaTitle\":\"Reference to transparency and customer protection regulations\",\"normativaP1\":\"Cresor informs its users that the applicable regulations on transparency and customer protection, without limitation, include Law 5/2015 of 27 April on the promotion of business financing and its implementing regulations; Law 2/2009 of 31 March regulating consumer contracts for mortgage loans or credits and intermediation services for the conclusion of loan or credit agreements; and Law 16/2011 of 24 June on consumer credit agreements.\"},\"s10\":{\"title\":\"Cresor auditors\",\"p1\":\"Mazars Auditores, S.L. is currently the auditing firm of StockCrowd Platform, S.L.\"}},\"tarifas\":{\"seo\":{\"title\":\"Crowdlending fee policy | Cresor\",\"description\":\"Platform fees on crowdlending projects: success, support, administration, payment gateway and promoter or manager commissions. See the details in each opportunity.\"},\"hero\":{\"badge\":\"CNMV — Registration No. 19\",\"title\":\"Fee policy\",\"intro\":\"The fees applied to each specific project are detailed in the opportunity publication. Below is a summary of the types of fees that may exist at Cresor.\"},\"scopes\":{\"cresor\":\"Cresor\",\"promoter\":\"Promoter / Manager\",\"third\":\"Third parties\"},\"scopeCards\":[{\"scope\":\"cresor\",\"description\":\"Platform fees\"},{\"scope\":\"promoter\",\"description\":\"On participatory transactions\"},{\"scope\":\"third\",\"description\":\"Commercialisation and intermediation\"}
22],\"fees\":[{\"id\":\"01\",\"title\":\"Cresor Success Fee\",\"scope\":\"cresor\",\"who\":\"Deducted from the promoter at closing\",\"paragraphs\":[\"Fee charged by Cresor calculated as a percentage of the funds raised for the project, provided it closes successfully, i.e. the financing target published on the platform is reached. If the project does not close successfully, Cresor will not charge this commission.\",\"Once the campaign ends and as a prior step to disbursing the funds to the promoter/company, this commission is deducted from the amount in favour of Cresor. In participatory loans and capital raises, the success fee is applied to the total amount to be financed and is included in the project costs; therefore, it is borne indirectly by investors.\"]},{\"id\":\"02\",\"title\":\"Cresor Support Fee (Set-up and monthly fee)\",\"scope\":\"cresor\",\"who\":\"Paid by the promoter / manager\",\"paragraphs\":[\"Fee that Cresor may charge for the use of its technology. It is not included in the project costs and, if applicable, will be paid by the promoter, company or manager separately from the project; therefore, it will not be attributed to investors. It is disbursed when the promoter/manager registers on Cresor as a Set-Up fee and through a monthly payment.\"]},{\"id\":\"03\",\"title\":\"Administration fee\",\"scope\":\"cresor\",\"who\":\"Applicable to investors (where applicable)\",\"paragraphs\":[\"Fee that Cresor may charge investors for loan administration. If applicable to a given transaction, investors will be informed accordingly. This fee is calculated on the outstanding principal at the beginning of each period and is settled at the time of collection of the loan repayment instalment.\"]},{\"id\":\"04\",\"title\":\"Payment gateway fee\",\"scope\":\"cresor\",\"who\":\"Intermediation with the payment institution\",\"paragraphs\":[\"Fee that Cresor may charge for intermediation with the payment gateway provider and custodian to the promoter or company. If the financing round or campaign does not reach its target, the proportional part of this fee relative to the unmet financing objective will be returned to the promoter. In such case, the investor will recover the full amount invested.\",\"For fixed-rate loans, this fee does not affect the final return obtained by investors, as the promoter bears the cost. However, for participatory loans and capital raises, this fee does affect the final return obtained by investors, as its cost is borne by the project itself.\"],\"note\":\"* Said amount will be duly invoiced and deducted via a charge to the electronic wallet that the promoter has set up with the partner payment institution, including, among others, Lemon Way (ACPR-accredited payment institution in France, CIB 16568, authorised in Spain by the Banco de España as a Payment Institution Without Establishment).\"},{\"id\":\"05\",\"title\":\"Promoter / Company Management Fee\",\"scope\":\"promoter\",\"who\":\"Participatory loans and capital raises only\",\"paragraphs\":[\"Fee charged by the promoter for managing the company operating the project. It is calculated as a percentage of the funds raised, charged once only. It is disbursed on the campaign closing date and only if the financing campaign is successfully completed. This fee affects the final return obtained by investors. It applies to the total amount to be financed and is included in the project costs; therefore, it is borne indirectly by investors.\"]},{\"id\":\"06\",\"title\":\"Promoter Success Fee\",\"scope\":\"promoter\",\"who\":\"Participatory loans and capital raises only\",\"paragraphs\":[\"Fee charged by the promoter of the company on the net profits distributed to investors before or after tax in accordance with the business plan. It is usually a percentage of such net profits and is disbursed only if the project achieves positive financial results, charged as a prior step before distributing profits to the remaining investors. It affects the investor's final return and is financed from the revenue obtained from the sale or operation of the property.\",\"The promoter may set a maximum annual or total return for investors. If a higher return is achieved, all the excess will go to the promoter.\"]},{\"id\":\"07\",\"title\":\"Manager Management Fee\",\"scope\":\"promoter\",\"who\":\"Participatory loans and capital raises only\",\"paragraphs\":[\"Fee charged by the manager for managing the company operating the project. It is calculated as a percentage of the funds raised, charged once only. It is disbursed on the campaign closing date and only if the financing campaign is successfully completed. It affects the final return obtained by investors. It applies to the total amount to be financed and is included in the project costs; therefore, it is borne indirectly by investors.\"]},{\"id\":\"08\",\"title\":\"Manager Success Fee\",\"scope\":\"promoter\",\"who\":\"Participatory loans and capital raises only\",\"paragraphs\":[\"Fee charged by the manager of the company on the net profits distributed to investors before tax. It is usually a percentage of such net profits and is disbursed only if the project achieves positive financial results. It affects the final return obtained by investors and is financed from the revenue obtained from the sale or operation of the property.\",\"The manager may set a maximum annual or total return for investors. If a higher return is achieved, the surplus goes to the manager.\"]},{\"id\":\"09\",\"title\":\"Property commercialisation fee\",\"scope\":\"third\",\"who\":\"Promoter, manager or external 
22collaborating agent\",\"paragraphs\":[\"Fee that may be charged by the promoter, manager or external collaborating agent involved in the commercialisation of the property as sales intermediation. It is included in the project costs and is disbursed at the time of the property sale, using the proceeds obtained from it.\"]},{\"id\":\"10\",\"title\":\"Non-performing instalment management fee\",\"scope\":\"cresor\",\"who\":\"Per non-performing instalment\",\"amount\":\"€40\",\"amountSuffix\":\"(+ VAT)\",\"amountUnit\":\"per non-performing instalment.\"},{\"id\":\"11\",\"title\":\"Default interest rate\",\"scope\":\"cresor\",\"who\":\"Applicable in the event of default\",\"paragraphs\":[\"Nominal rate of the defaulted instalment plus a spread established by contract.\"]},{\"id\":\"12\",\"title\":\"Early repayment\",\"scope\":\"promoter\",\"who\":\"As per loan details\",\"paragraphs\":[\"Cost of early repayment as established in the loan details.\"]}],\"payment\":{\"eyebrow\":\"Partner payment institution\",\"title\":\"No direct payment gateway fees\",\"p1\":\"The partner payment institution — Lemon Way — will not charge fees directly to investors and/or promoters for the provision of its services, in accordance with the Terms of Service and any agreements the parties may enter into for this purpose.\",\"p2\":\"If the financing round or campaign does not close successfully, or if Cresor detects the existence of false, incomplete or outdated registration information, Cresor will fully refund all investors and reimburse the promoter the proportional part of the fee relative to the unmet financing objective.\"},\"cta\":{\"title\":\"Want to see the specific fees for a project?\",\"text\":\"Check the details in each published opportunity listing.\",\"opportunities\":\"View opportunities\",\"contact\":\"Contact us\"}},\"libro-blanco\":{\"seo\":{\"title\":\"Smart investment white paper | Cresor\",\"description\":\"Everything you need to know to invest with Cresor: real estate crowdlending, returns, risks and tax, explained clearly. Free download.\"},\"hero\":{\"badge\":\"2026 Edition · Free download\",\"titleBefore\":\"Smart Investment\",\"titleHighlight\":\"White Paper\",\"intro\":\"Everything you need to know to invest through Cresor: real estate crowdlending, returns, risks and taxation explained in plain language.\",\"coverAlt\":\"Cover of the Cresor White Paper 2026 edition\",\"bullets\":[\"Introduction to real estate crowdlending\",\"Advantages and risks of real estate crowdlending\",\"How does Cresor analyse risk in each investment?\",\"How do I know what return I can expect?\",\"How to become an investor at Cresor?\"]},\"form\":{\"eyebrow\":\"Free download\",\"title\":\"Get your copy now\",\"text\":\"Complete the form and we will send the White Paper straight to your inbox.\",\"namePlaceholder\":\"Full name*\",\"emailPlaceholder\":\"Email*\",\"phonePlaceholder\":\"Phone\",\"privacy\":\"I have read and accept the \u003cprivacy\u003ePrivacy Policy\u003c/privacy\u003e and \u003clegal\u003eLegal Notice\u003c/legal\u003e\",\"comms\":\"I agree to receive communications from Cresor\",\"submit\":\"Request the White Paper\"},\"trust\":{\"text\":\"Cresor is a Crowdfunding Service Provider authorised by the CNMV, No. 19.\",\"link\":\"Learn more about investing with Cresor →\"}},\"seguridad\":{\"seo\":{\"title\":\"Investor security and protection | Cresor\",\"description\":\"How we protect your information, funds and crowdlending investment: encryption, anti-fraud, bank custody and a legal framework authorised by the CNMV.\"},\"hero\":{\"eyebrow\":\"Trust\",\"title\":\"Security and investor protection\",\"intro\":\"The security and protection of your information is a priority for us. We walk you through, layer by layer, the measures we take to build a secure investment system.\"},\"chapters\":[{\"id\":\"informacion\",\"eyebrow\":\"01 — Data\",\"nav\":\"Info protection\",\"title\":\"Protection of your information\",\"intro\":\"Your personal and financial information travels encrypted and is stored under strict access controls.\",\"points\":[\"End-to-end encrypted connection with your browser using advanced security technology.\",\"Servers with multiple hardware and software protection layers and audited access at all times.\",\"Your payment information is never shared with other users or shown on your public profile.\"],\"image\":\"/assets/seguridad/proteccion.webp\",\"imageAlt\":\"Developer working on secure code on a laptop\"},{\"id\":\"antifraude\",\"eyebrow\":\"02 — Anti-fraud\",\"nav\":\"Anti-fraud system\",\"title\":\"Always-on anti-fraud system\",\"
22intro\":\"A team of specialists monitors every transaction to detect suspicious activity before it occurs.\",\"points\":[\"Continuous monitoring of any anomalous activity on the platform.\",\"Anti-fraud specialists who oversee all investments made on Cresor.\",\"Identity and transaction verification for investors and promoters.\",\"If we detect fraudulent activity, we help you protect your account and reverse the charge.\"],\"image\":\"/assets/seguridad/sistema.webp\",\"imageAlt\":\"Lines of code monitored in real time\"},{\"id\":\"inversion\",\"eyebrow\":\"03 — Investment\",\"nav\":\"Investment protection\",\"title\":\"Protection of your investment\",\"intro\":\"We are committed to minimising the risks associated with each transaction through bank custody, analysis and a supervised legal framework.\",\"points\":[\"Electronic wallets in your name through payment gateways, with funds held in custody at banking institutions until deployed to the project.\",\"Rigorous analysis of the promoter and the project before publishing any opportunity, minimising team risk.\",\"Legal framework authorised by the CNMV and loan documentation supervised by the Banco de España, ensuring legal certainty.\"],\"image\":\"/assets/seguridad/inversor.webp\",\"imageAlt\":\"Investor analysing financial charts on screen\"},{\"id\":\"ayuda\",\"eyebrow\":\"04 — Support\",\"nav\":\"Help\",\"title\":\"Help at every step\",\"intro\":\"If something goes wrong, or you simply think we can do better, we are on the other side to listen.\",\"points\":[\"If there is a problem, we do everything we can to resolve it as quickly as possible.\",\"We work closely with our payment providers to obtain detailed information and quick responses.\",\"We actively listen to your feedback: learning from your experience is how we improve.\"],\"image\":\"/assets/seguridad/empresa.webp\",\"imageAlt\":\"Support team collaborating in a meeting\"}],\"cta\":{\"eyebrow\":\"Start with confidence\",\"title\":\"Invest in a regulated, encrypted and audited environment.\",\"text\":\"Cresor operates as a Crowdfunding Service Provider authorised by the CNMV No. 19, under Regulation (EU) 2020/1503.\",\"register\":\"Create my account\",\"risks\":\"View risk model\"}},\"estadisticas\":{\"seo\":{\"title\":\"Profitability and default statistics | Cresor\",\"description\":\"See Cresor's track record: volume funded, capital repaid, default rates and historical returns of the real estate and business portfolios.\"},\"hero\":{\"eyebrow\":\"Regulation (EU) 2020/1503 — Art. 20.1.a\",\"titleBefore\":\"Default rates\",\"titleHighlight\":\"and statistics\",\"intro\":\"Consolidated historical data on Cresor's activity. Published with a minimum annual update and calculated in accordance with Commission Delegated Regulation (EU) 2022/2115 of 13 July 2022.\"},\"kpis\":[{\"value\":\"€158,212,203\",\"label\":\"Total funded\"},{\"value\":\"€108,015,660\",\"label\":\"Total repaid\"},{\"value\":\"936\",\"label\":\"Projects funded\"},{\"value\":\"13 months\",\"label\":\"Average term\"}],\"considerations\":{\"title\":\"Important considerations\",\"text\":\"Both the global portfolio and the business project portfolio include the volume funded by Grow.ly and the evolution of its portfolio. Grow.ly was a Crowdfunding Service Platform aimed at SMEs and merged with StockCrowd IN (now Cresor) in 2022. Grow.ly data will be updated at least annually.\"},\"tabs\":{\"inmobiliario\":\"Real estate\",\"empresas\":\"Business\",\"equity\":\"Capital raise\"},\"highlights\":{\"pd\":\"Portfolio default probability\",\"tir\":\"Weighted annual historical IRR****\"},\"table\":{\"concept\":\"Concept\",\"scrollHint\":\"The most recent years are shown first. Use the arrows or scroll horizontally to see the full history. Source: Cresor internal records calculated in accordance with Regulation (EU) 2020/1503.\",\"scrollOlder\":\"View earlier years\",\"scrollNewer\":\"View more recent years\",\"labels\":{\"Cartera (volumen)\":\"Portfolio (volume)\",\"% sobre volumen\":\"% of volume\",\"Cartera (número de préstamos)\":\"Portfolio (number of loans)\",\"% sobre número\":\"% of number\",\"Operaciones\":\"Transactions\",\"Volumen de préstamos concedidos\":\"Volume of loans granted\",\"Capital total amortizado\":\"Total capital repaid\",\"Capital pendiente de amortizar (sin incidencias)\":\"Outstanding capital (no incidents)\",\"Capital pendiente refinanciados no impagados\":\"Outstanding refinanced capital (not defaulted)\",\"Capital en retraso 30–90 días\":\"Capital overdue 30–90 days\",\"Capital pendiente préstamos impagados*\":\"Outstanding capital on defaulted loans*\",\"  · De los cuales refinanciados**\":\"  · Of which refinanced**\",\"  · De los cuales en mora\":\"  · Of which non-performing\",\"  · De los cuales fallidos\":\"  · Of which written off\",\"Pérdida capital préstamo participativo\":\"Capital loss on participating loans\",\"% impago según volumen\":\"% default by volume\",\"% refinanciados considerados impagados\":\"% refinanced considered defaulted\",\"% préstamos en mora\":\"% non-performing loans\",\"% préstamos fallidos\":\"% written-off loans\",\"Nº préstamos concedidos\":\"No. of loans granted\",\"Nº préstamos amortizados al 100%\":\"No. of loans fully repaid\",\"Nº préstamos vivos sin incidencias\":\"No. of active loans with 
22no incidents\",\"Nº refinanciados no impagados\":\"No. of refinanced not defaulted\",\"Nº en retraso 30–90 días\":\"No. overdue 30–90 days\",\"Nº préstamos impagados*\":\"No. of defaulted loans*\",\"  · Refinanciados**\":\"  · Refinanced**\",\"  · En mora\":\"  · Non-performing\",\"  · Fallidos\":\"  · Written off\",\"% impago según número\":\"% default by number\",\"% en mora\":\"% non-performing\",\"% fallidos\":\"% written off\",\"Volumen de operaciones realizadas\":\"Volume of transactions completed\",\"Volumen de operaciones vivas\":\"Volume of active transactions\",\"Volumen de operaciones liquidadas***\":\"Volume of liquidated transactions***\",\"Nº operaciones realizadas\":\"No. of transactions completed\",\"Nº operaciones vivas\":\"No. of active transactions\",\"Nº operaciones liquidadas***\":\"No. of liquidated transactions***\"}},\"notes\":{\"title\":\"Methodological notes\",\"intro\":\"The published data on both the amount and number of loans granted and defaulted correspond to those granted in the year in question. For example, if a loan was granted in 2020 and defaulted in 2021, the data will appear under 2020, as that is the year in which the loan was granted.\",\"items\":[{\"mark\":\"*\",\"text\":\"Loans in arrears are those with a default of more than 90 days. Non-performing loans are those that, in accordance with the regulations, can be considered as such under Law 35/2006 of 28 November on Personal Income Tax. Note on materiality pursuant to Article 1(1): the platform will not consider overdue instalments as defaulted where the outstanding principal amount is less than 20% of that instalment, provided it does not exceed €2,000.\"},{\"mark\":\"**\",\"text\":\"Refinanced loans that are not considered defaulted will not be included in statistics as refinanced and defaulted, provided the refinancing does not exceed 12 months and it is the first refinancing of the loan. This will not be treated as a default provided the platform, in accordance with Article 1(3), does not consider the probability of default to be high. Nonetheless, explicit mention will be made of outstanding refinanced loans not considered as defaulted.\"},{\"mark\":\"***\",\"text\":\"The number of liquidated transactions considered in the 'Capital raise' section refers to those transactions that have been settled, both those that generated a capital gain and those that did not.\"},{\"mark\":\"****\",\"text\":\"For the IRR calculation, only successfully completed projects and those declared non-performing are taken into account. Projects in arrears or refinanced projects are not included. You can see more details on how the calculation is performed here.\"}]},\"cta\":{\"title\":\"Invest with data, not intuition\",\"text\":\"Explore opportunities and review Cresor's risk management model in detail.\",\"opportunities\":\"View opportunities\",\"risks\":\"Read about risks\"}},\"faqs\":{\"seo\":{\"title\":\"Crowdlending frequently asked questions | Cresor\",\"description\":\"Get your questions answered before investing in crowdlending: how Cresor works, tax, fees, risks, guarantees and the investment process step by step.\"},\"hero\":{\"eyebrow\":\"Help centre\",\"title\":\"FAQS\",\"subtitle\":\"Your questions, answered\"},\"searchPlaceholder\":\"Search the frequently asked questions...\",\"categories\":\"Categories\",\"empty\":\"No questions found for «{query}».\",\"cta\":{\"title\":\"Can't find your answer?\",\"text\":\"Write to us and we will help with any question about Cresor.\",\"button\":\"Contact\"},\"groups\":[{\"id\":\"general\",\"label\":\"General\",\"items\":[{\"q\":\"What is Cresor?\",\"a\":\"Cresor is a crowdfunding service provider that connects companies and real estate developers with investors so they can finance their projects. Cresor is authorised by the Spanish National Securities Market Commission (CNMV) under number 19.\"},{\"q\":\"Is Cresor an investment fund?\",\"a\":\"No, Cresor is not an investment fund. Cresor is a crowdfunding service provider registered with the CNMV. Crowdfunding service providers are regulated under Chapter II, Article 3 of Regulation (EU) 2020/1503 of the European Parliament and of the Council of 7 October 2020.\"},{\"q\":\"Does Cresor invest in the projects?\",\"aParts\":[{\"text\":\"No. Cresor does not participate as an investor in the projects published on its platform — not as a company policy, but because \"},{\"text\":\"applicable regulation does not allow it\",\"strong\":true},{\"text\":\". Regulation (EU) 2020/1503 expressly prohibits the crowdfunding service provider from investing in the projects it publishes, in order to avoid conflicts of interest.\"}],\"paras\":[\"It is the investors who finance each company's projects in exchange for a return.\"]},{\"q\":\"How is Cresor capitalised?\",\"a\":\"Cresor meets the requirements of Regulation (EU) 2020/1503 and all those required by the CNMV to obtain the granted authorisation, and is fully capitalised through private financing. Cresor's shareholders come from diverse sectors, from technology to finance.\"},{\"q\":\"Who is the team behind Cresor?\",\"a\":\"Cresor is made up of a specialist and technical team, both in software engineering and with knowledge and experience in the real estate and business markets. With several verticals, we rely on professionals who cover the needs of every area that must be analysed and published.\"},{\"q\":\"What types of investment opportunities can I find?\",\"a\":\"Through Cresor you can invest in loan operations both to companies whose corporate purpose is real estate development and to those whose purpose is any industrial, technological or services activity, among others.\",\"listIntro\":\"The loan may be:\",\"list\":[\"Fixed-rate loan.\",\"Participating loan or variable-rate loan.\"],\"paras\":[\"Company and loan types are always clearly identified in each operation. This is explained clearly in the publication and different c
22olours are assigned to each vertical.\"]},{\"q\":\"What would happen if Cresor suspended its activity?\",\"a\":\"Your funds are deposited in an account in your name with the payment institution Lemon Way, so a suspension of activity by Cresor would not affect those funds, which would remain yours.\",\"paras\":[\"In addition, in the unlikely event of a suspension of activity by Cresor, we have an agreement with another company to manage the loans until maturity. Lemon Way is authorised by the Bank of Spain to operate in Spain as a payment institution and is also authorised and supervised by the Banque de France.\"]},{\"q\":\"Is Cresor an audited company?\",\"a\":\"Yes, Cresor has its accounts audited by an independent external auditor.\"}]},{\"id\":\"cuenta\",\"label\":\"Investor account\",\"items\":[{\"q\":\"Who can invest through Cresor?\",\"a\":\"As with any other type of investment, any natural person with legal capacity and any legal entity may invest. Regulation (EU) 2020/1503 defines in its Annex II the types of investors (experienced and non-experienced), as well as the applicable investment limits.\"},{\"q\":\"How do I invest through Cresor?\",\"a\":\"The investment process through Cresor is easy, fast and secure. Once registered, you will need to provide the funds required to invest via bank transfer or card payment.\",\"paras\":[\"During your registration process you must accept the [General Terms of Use](doc:WEB-CGU) and the [Mandate Agreement for investors](doc:WEB-CM).\\n\\nYou can also find further information in the [White Paper for investors](/libro-blanco).\"]},{\"q\":\"Why does Cresor need my scanned documentation?\",\"a\":\"Cresor requests the relevant identification documentation from its investors to send it to Lemon Way, the payment institution used, and to comply with KYC (Know Your Customer) and anti-money laundering (AML) legal requirements.\"},{\"q\":\"How do I know if I am an experienced or non-experienced investor?\",\"a\":\"You can check our [glossary](/glosario). In any case, during the registration process we will ask the necessary questions to determine which category you fall into under Regulation (EU) 2020/1503.\",\"paras\":[\"You will also find a fuller explanation in the glossary entries on experienced and non-experienced investors.\"]},{\"q\":\"Can I invest if I am a foreign national?\",\"a\":\"Yes. To do so you must provide a tax residence certificate under the double taxation treaty with Spain. If you are a Spanish non-resident, you will need that certificate; if you are a foreign national, we will need a tax ID (NIF) for real estate transactions.\"},{\"q\":\"Do investors remain anonymous?\",\"a\":\"Yes. Only when the loan is formalised will your full name and tax ID appear in the contract terms, which only the company — not other investors — can see.\"}]},{\"id\":\"inversiones\",\"label\":\"Investments\",\"items\":[{\"q\":\"What are the differences between crowdequity and crowdlending?\",\"a\":\"Crowdlending originates from crowdfunding, from which it differs in the type of consideration the investor receives:\",\"list\":[{\"strong\":\"Crowdlending:\",\"text\":\" investors grant loans and receive interest as a return.\"},{\"strong\":\"Equity crowdfunding:\",\"text\":\" participants acquire shares or equity in a company.\"},{\"strong\":\"Reward crowdfunding:\",\"text\":\" investors receive a product or service in exchange for their contribution.\"},{\"strong\":\"Donation crowdfunding:\",\"text\":\" users contribute funds without expecting financial compensation.\"}],\"paras\":[\"At Cresor we operate real estate projects under the crowdlending model.\"]},{\"q\":\"How much money do I need to start investing in crowdlending?\",\"a\":\"The minimum investment depends on each opportunity and the developer. At Cresor you will find real estate projects with a minimum investment from €250.\"},{\"q\":\"What return can I get investing in real estate crowdlending?\",\"a\":\"The return is determined for each project. At Cresor we have an average annual gross return of 10.27% as of year-end 2025 on completed real estate projects*.\",\"note\":\"*Past returns are not a reliable indicator of future returns.\"},{\"q\":\"How long does it take to close an opportunity that has been 100% funded?\",\"a\":\"Opportunities published through Cresor have a set period during which they can receive funding. Once 100% of the target is reached, the opportunity may remain open up to 125%, at which point it closes. From then on, it takes approximately 7 days until the funds are transferred to the project.\"},{\"q\":\"Can an investor acquire 100% of an investment opportunity?\",\"a\":\"Investment limits are regulated in Article 21 of Regulation (EU) 2020/1503. Only professional and experienced investors could acquire 100% of an opportunity, provided they meet the requirements set by the regulations.\"},{\"q\":\"What are the differences between a fixed loan and a participating loan?\",\"a\":\"Several: interest rate setting, commercial treatment, guarantees, early repayment, and amortisation and grace peri
22ods differ in both types of operations.\"},{\"q\":\"Am I investing through a vehicle?\",\"a\":\"No. Investments through Cresor are real-economy investments directly into the relevant opportunity. The client knows with full transparency where their capital goes, and Cresor will send periodic information on the evolution of the operation.\"}]},{\"id\":\"proceso\",\"label\":\"Investment process\",\"items\":[{\"q\":\"Where does my money go?\",\"a\":\"Your money is held in a segregated client funds bank account at BNP Bank, opened by the payment institution Lemon Way. This institution is registered with the Bank of Spain as a Community Payment Institution operating in Spain. Lemon Way will provide you with an electronic wallet where you can monitor the status of your funds at all times.\"},{\"q\":\"How can I invest?\",\"a\":\"You can invest in two ways:\",\"list\":[\"From your wallet balance, previously topped up by card or bank transfer in your name.\",\"Directly by card at the time of investment.\"],\"paras\":[\"Any card payment, whether to top up or invest, has a limit of €12,000.\"]},{\"q\":\"What documents do I receive as proof of investment?\",\"a\":\"You will receive a copy of the loan agreement signed before a notary by the developer and by Cresor on behalf of the investors, together with an annex showing your details as holder and the amount invested. You can also access this contract from your private area.\"},{\"q\":\"What happens if the project funding is not covered at 100%?\",\"a\":\"If the investment project is not covered by at least 90%, it will not be considered successful and Cresor will return the money in full to all investors without charging any fee.\"},{\"q\":\"What is overfunding?\",\"a\":\"Overfunding occurs when a funding opportunity raises more money than its target. It may appear as a partial investment or as a reserve/pending investment.\"},{\"q\":\"How long do I have to wait from the successful close until my participation in the company is confirmed?\",\"a\":\"The period from the successful close of the opportunity to receiving the legal documentation from the Commercial Registry confirming the capital increase can take 15 to 90 days. The investment agreement completed with the investor's name is received once the investment is confirmed.\"},{\"q\":\"How long do I have to wait from completing the investment process to receiving my investment confirmation?\",\"a\":\"Each investment opportunity has its own terms for exit, dividend distribution or repayment of interest and principal. You can check the information published within each opportunity.\"},{\"q\":\"Do I hold bonds or shares in the company with my investment?\",\"a\":\"Only in equity crowdfunding opportunities, where investors participate directly in the share capital of the company and are entitled to shares through securities.\"},{\"q\":\"How do I attach a transfer receipt?\",\"a\":\"You do not need to send it; as soon as Lemonway receives the funds a confirmation email is sent. If you wish, you can attach the receipt to [email protected].\"},{\"q\":\"When do I know if my investment has been confirmed and the money arrived correctly?\",\"a\":\"If you made a bank transfer, the money arrived in your Cresor account and you invested from your account, it will be confirmed within a few minutes and you will receive a reservation email. If you invested directly by credit card, your bank will first confirm the payment and within minutes you will also receive the reservation email. If in either case you do not receive your reservation email, the investment is not confirmed — please contact us immediately at [email protected].\"},{\"q\":\"I am having trouble uploading my documentation. What should I do?\",\"a\":\"Documents must be clearly legible and not exceed 10 MB, in JPEG, PNG or PDF format; if the error persists you can send them by email to [email protected]. To withdraw funds you must link your bank account (ownership verification, IBAN without spaces, BIC/SWIFT if applicable, bank name and address, and a supporting document). Document validation takes between 24 and 48 hours.\"}]},{\"id\":\"pagos\",\"label\":\"Payments and returns\",\"items\":[{\"q\":\"How long do I have to wait from investing in an opportunity until I receive my first returns?\",\"a\":\"Each investment opportunity has its own terms for exit, dividend distribution or repayment of interest and principal. You can check the information published within each opportunity.\"},{\"q\":\"What happens if a company is late on one of the payments?\",\"link\":{\"prefix\":\"You can check our default protocol in the \",\"label\":\"Risks\",\"href\":\"/riesgos\",\"suffix\":\" section.\"}},{\"q\":\"What happens if a company wants to repay the loan early?\",\"a\":\"The investor will be repaid the outstanding capital plus accrued interest up to the early repayment date, plus the early repayment fee, if applicable and provided for in the contract.\"},{\"q\":\"What happens if a company is declared insolvent?\",\"a\":\"The mandate agreement authorises Cresor to manage defaults and carry out all necessary actions to seek the maximum recovery of the operation.\"},{\"q\":\"When will I receive dividend payments and the settlement of my shares?\",\"a\":\"The companies that request financing through Cresor are responsible for notifying and returning funds to investors. Once the funds reach investors' bank accounts this will be reflected within seconds 
22in their Lemon Way electronic wallet. For capital raise operations, dividends are distributed or the company dissolved upon sale of the asset(s). For loan operations, the opportunity publication specifies whether interest is paid at maturity, quarterly, monthly, etc. The company or developer is obliged to make the payment on the scheduled date and it will be credited to the investor as soon as it is received, within a maximum of D+4 business days.\"},{\"q\":\"Who manages the funds from the time I invest until they are transferred to the company?\",\"a\":\"These funds are held in a segregated client funds account until the investment opportunity closes successfully and the funds are transferred to the company requesting financing. If the opportunity does not reach its target within the set period, the investor receives the full amount back in their bank account.\"},{\"q\":\"What happens with promotion payments?\",\"a\":\"When active promotions are running for users or investors, the conditions (including payment conditions) are published in the 'Promotions' section of the website.\"}]},{\"id\":\"impuestos\",\"label\":\"Taxes and fees\",\"items\":[{\"q\":\"Do I have to pay taxes?\",\"a\":\"Interest generated by participating in crowdlending loans is subject to Personal Income Tax (IRPF) as income from movable capital. Specifically, it is governed by Article 25 \\\"Full income from movable capital\\\" of Law 35/2006 on IRPF, at the legal tax rate set by the Tax Agency, currently 19%.\",\"paras\":[\"Cresor applies an automatic 19% withholding.\",\"Tax treatment depends on each client's individual circumstances and may change in the future. The above tax information is provided by Cresor for informational purposes only and does not constitute tax advice from Cresor. We suggest you consult your tax adviser if you have any questions.\"]},{\"q\":\"What are Cresor's fees?\",\"aParts\":[{\"text\":\"Cresor does not charge any direct commission to the investor\",\"strong\":true},{\"text\":\" for investing on the platform. The fees applied to each opportunity are specified in each publication and are borne by the developer or, where applicable, by the project.\"}],\"link\":{\"prefix\":\"You can see the full details in our \",\"label\":\"fees policy\",\"href\":\"/tarifas\",\"suffix\":\".\"}},{\"q\":\"Does it cost anything to open a Cresor account?\",\"a\":\"No, opening a Cresor account is completely free.\"},{\"q\":\"What is the tax treatment of an equity crowdfunding investment?\",\"blocks\":[{\"type\":\"table\",\"title\":\"**Dividend distribution — partners resident in Spain**\",\"headers\":[\"Partner type\",\"Classification\",\"Taxed in Spain\",\"Withholding\",\"Comments\"],\"rows\":[[\"Natural persons\",\"Income from movable capital\",\"Yes\",\"Yes, 19%\",\"Integrated into the savings tax base (scale 19%–21%–23%)\"],[\"Companies WITHOUT qualified holding (\u003c5% and \u003c1 year)\",\"Financial income\",\"Yes\",\"Yes, 19%\",\"Taxed at Corporate Tax rate (normally 25%)\"],[\"Companies WITH qualified holding (≥5% and ≥1 year)\",\"Financial income\",\"No\",\"No\",\"Exempt from Corporate Tax; one year must have elapsed for no withholding\"]]},{\"type\":\"table\",\"title\":\"**Dividend distribution — partners not resident in Spain**\",\"headers\":[\"Partner type\",\"Classification\",\"Taxed in Spain\",\"Withholding\",\"Comments\"],\"rows\":[[\"From countries WITHOUT a Double Taxation Agreement\",\"Income from movable capital\",\"Yes\",\"Yes, 19%\",\"Withholding is final taxation\"],[\"From countries WITH a Double Taxation Agreement\",\"Income from movable capital\",\"Depends\",\"Depends\",\"As provided in the DTA; usually lower rates. Provide DTA tax residence certificate\"],[\"EU parent companies\",\"Income from movable capital\",\"No\",\"No\",\"One year must have elapsed for no withholding\"]]},{\"type\":\"table\",\"title\":\"**Share transfers to third parties or to the company in a dissolution/liquidation** — partners resident in Spain\",\"headers\":[\"Partner type\",\"Classification\",\"Taxed in Spain\",\"Withholding\",\"Comments\"],\"rows\":[[\"Natural persons\",\"Capital gain\",\"Yes\",\"No\",\"Integrated into the savings tax base (scale 19%–21%–23%)\"],[\"Companies WITHOUT qualified holding (\u003c5% and \u003c1 year)\",\"Financial income\",\"Yes\",\"No\",\"Taxed at Corporate Tax rate (normally 25%)\"],[\"Companies WITH qualified holding (≥5% and ≥1 year)\",\"Financial income\",\"No\",\"No\",\"Exempt from Corporate Tax\"]]},{\"type\":\"table\",\"title\":\"**Share transfers** — partners not resident in Spain\",\"headers\":[\"Partner type\",\"Classification\",\"Taxed in Spain\",\"Withholding\",\"Comments\"],\"rows\":[[\"From countries WITHOUT a DTA\",\"Capital gain\",\"Yes\",\"No\",\"Taxed at 19%\"],[\"With DTA and company \u003e50% real estate or \u003e25% shareholding\",\"Capital gain\",\"Yes\",\"No\",\"Taxed at 19%\"],[\"With DTA and company \u003c50% real estate or \u003c25% shareholding\",\"Capital gain\",\"Normally no\",\"No\",\"Check the DTA; usually taxed only in the state of residence\"]]},{\"type\":\"table\",\"title\":\"**Share transfers — EU residents**\",\"headers\":[\"Partner type\",\"Classification\",\"Taxed in Spain\",\"Withholding\",\"Comments\"],\"rows\":[[\"Natural person or company selling shares in a generic Spanish company\",\"Capital gain\",\"No\",\"No\",\"Taxed only in the country of residence; tax residence certificate required\"],[\"Natural person or company selling shares in a Spanish real-estate company\",\"Capital gain\",\"Yes\",\"No\",\"Taxed at 19%\"],[\"Natural person with \u003e25% shareholding\",\"Capital gain\",\"Yes\",\"No\",\"Taxed at 19%\"],[\"Company with 
22non-qualified shares (\u003c5% and \u003c1 year)\",\"Capital gain\",\"Yes\",\"No\",\"Taxed at 19%\"]]},{\"type\":\"paragraph\",\"text\":\"**Note:** The above information is provided solely for informational purposes and does not in any case constitute tax advice from Cresor. We recommend you consult your tax adviser for any queries.\"},{\"type\":\"list\",\"items\":[\"This summary focuses on the tax applicable to the crowdfunding modality in which the investor participates in the share capital of the project promoter, leaving aside the tax treatment of loan-based crowdfunding.\",\"In this modality the investor obtains their return either through dividends or through the transfer of their stake, which may be to third parties (while the project lasts) or to the company itself in a liquidation process. This table focuses on total disinvestment scenarios, leaving aside partial capital reduction scenarios that could qualify as movable capital income.\"]}]}]},{\"id\":\"riesgos\",\"label\":\"Risks\",\"items\":[{\"q\":\"What are the advantages and risks of investing in real estate crowdlending?\",\"groups\":[{\"title\":\"Advantages\",\"items\":[\"Access to alternative financing with a good return/risk profile and uncorrelated with financial markets.\",\"Easy management: invest from any device and immediate access to the debt market with no operational costs.\",\"Minimum investments suited to all portfolio types and investor profiles.\",\"No fees for the investor.\",\"Security and trust: anti-fraud system, encrypted transactions, document validation and anti-money laundering control by Lemon Way. Supervision by the CNMV.\",\"Portfolio diversification.\"]},{\"title\":\"Risks\",\"items\":[\"Risk of total or partial loss of invested capital.\",\"Risk of not obtaining the expected return.\",\"Risk of project delay by borrowers.\",\"Liquidity risk.\"],\"link\":{\"label\":\"See Cresor risk model\",\"href\":\"/riesgos#sec-modelo-riesgos\"}}]},{\"q\":\"What guarantees exist?\",\"a\":\"For each project published by Cresor, the developer signs a loan agreement before a public notary on behalf of the investors. If a recovery stage were reached, we would have a title for direct enforcement proceedings.\",\"paras\":[\"In addition, when the conclusions of the risk analysis so advise, Cresor asks the developer to include another company (usually the parent of the developer/business group) as guarantor in the contract to be signed. That company will guarantee the developer with all its assets.\",\"Also, although less common in real estate but usual for other companies, this guarantee may be provided by one or more shareholders of the company.\",\"Nevertheless, it is important to remember that in any company unforeseen events may occur that can make it difficult to meet obligations. Consequently, default risk always exists and from Cresor we encourage maximum diversification of investments to better manage risk.\"]},{\"q\":\"Is my money safe?\",\"a\":\"Your money will be in a segregated client funds bank account at BNP Bank, opened by the payment institution Lemon Way, registered with the Bank of Spain as a Community Payment Institution operating in Spain.\"},{\"q\":\"What is the rating and how is it calculated?\",\"a\":\"The rating is a consensus interpretation of the level of risk in an opportunity. It translates the results of the risk analysis into a letter or set of letters that make it easier for potential investors to understand the risk level.\",\"paras\":[\"For **real estate opportunities**, Cresor calculates three scorings — and their corresponding ratings —: developer, project and global. The scale used is AAA (very low risk), A (low), B (medium), C (medium-high), E (high) and F (very high).\",\"For **business projects**, the published rating comes from an external rating agency (Axesor) on a scale of 1 to 10: 10 indicates the best financial solvency and lowest probability of default, and 1 the worst. Cresor also calculates an internal rating which, although not published on the opportunity, is decisive for admitting or rejecting the project.\",\"You can read the full detail in our [risk model](/riesgos#sec-modelo-riesgos).\"]},{\"q\":\"How is the interest rate of a loan determined?\",\"a\":\"The interest rate is derived mainly from the risk analysis and includes aspects such as the rating, term, project type, experience with the developer, developer size and market conditions.\"},{\"q\":\"How can an investor diversify risk?\",\"a\":\"The decision to invest should respond to an individual reflection on the risk one is willing to take and the return sought. At Cresor we believe the best practice to reduce risk exposure is to participate in multiple operations, but the final decision always rests with the investor.\"},{\"q\":\"How is IRR calculated?\",\"a\":\"IRR (internal rate of return) is calculated using Excel's XIRR formula, which returns the internal rate of return for a not necessarily periodic cash flow. The initial outlay, the amount of each payment and their dates are taken into account.\",\"paras\":[\"Only successfully completed projects and those declared failed are considered in the calculation. Projects in arrears or extended projects are not included.\"]},{\"q\":\"How do we analyse opportunities to minimise risk in those we decide to publish?\",\"a\":\"Cresor has a risk model based on 4 stages: pre-selection, risk analysis, publication and formalisation, and monitoring, designed to proactively mitigate risk and react to adverse events.\"},{\"q\":\"What documentation is requested from the promoter to analyse the risk in each opportunity?\",\"a\":\"Before a company is presented on the platform it is analysed in detail based on information provided by the company itself, official registries and an external agency that assigns it a rating. Only loans from companies that, based on the above, are considered to have repayment capacity, solvency and a positive credit history will be presented. However, it is important to remember that in any company unforeseen events may occur that can make it difficult to meet obligations. Consequently, default risk always exists and from Cresor we encourage maximum diversification to better manage risk.\"},{\"q\":\"How do we pre-select opportunities?\",\"a\":\"All investment opportunities/project promoters interested in Cresor's financing services must pass an initial pre-selection stage in which a series of minimum requirements are evaluated, both for the project promoter and the project itself. Requirements include legal incorporation in Spain or another EU member state, compliance with anti-money-laundering provisions, and minimum track record. Cresor raises the bar above the legal minimum, requiring promoters to be compliant with the authorities, demonstrate a minimum level of experience, and show reasonable results in prior financial years. This is merely the prelude to a much more thorough and detailed risk analysis for which a complete documentation set is requested. Nevertheless, it is important to remember that unforeseen events may occur that make it difficult to meet obligations. Consequently, default risk always exists.\"},{\"q\":\"Do we publish all transactions?\",\"a\":\"No. At Cresor we are aware of the importance of rigorous project selection in protecting our investors' interests. Approximately 83% of projects that reach us are rejected at the initial selection stage, carried out by the C
22ommercial Department, even before the risk analysis.\"},{\"q\":\"How do I know if there is a guarantor?\",\"a\":\"In cases where the opportunity has a guarantor or additional guarantee, this will be indicated in the contract and in the opportunity description.\"}]},{\"id\":\"empresas\",\"label\":\"Companies on Cresor\",\"items\":[{\"q\":\"Where do the companies whose projects are published on Cresor come from?\",\"a\":\"They are companies formed by professionals with extensive experience and reputation in their sectors. All companies whose projects are published on Cresor have been previously verified in line with our investor protection system and credit area requirements.\"},{\"q\":\"Who can apply for a loan?\",\"a\":\"Any company resident in Spain. For real estate projects, a minimum of two years' sector experience is required; for business projects, a minimum of three years of activity and minimum turnover of €400,000. No financed company may have payment default alerts in payment behaviour files.\"},{\"q\":\"What are the minimum and maximum amounts I can request and for what term?\",\"a\":\"Loans may be requested from €6,000 and for up to 48 months for companies.\",\"paras\":[\"In real estate, the minimum operation to be studied starts from €500,000 with a maximum term of 36 months.\"]},{\"q\":\"What company information will be available to investors?\",\"a\":\"On the public platform the following will always be shown:\",\"list\":[\"Loan title, amount, term and interest for investors.\",\"Funds raised at the time of consultation, rating, region, sector, group and guarantees (if any).\"],\"paras\":[\"Registered investors can also see the company profile, project details (simple note, valuation, cadastral data, etc.), financial summary of recent years and the Q\u0026A forum.\"]},{\"q\":\"Are the companies whose projects are published on Cresor solvent?\",\"a\":\"Cresor carries out a prior study of companies through its investor protection system. All companies using Cresor have passed the investor protection system. Nevertheless, it is important to remember that in any company unforeseen events may occur that can make it difficult to meet obligations. Consequently, default risk always exists and from Cresor we encourage maximum diversification to better manage risk.\"},{\"q\":\"Is there a prior filter before a financing application is published through Cresor?\",\"a\":\"Yes, Cresor follows a detailed risk model, available in the [risk model](/riesgos#sec-modelo-riesgos) section of the website.\"},{\"q\":\"What is the minimum information required for the loan application?\",\"a\":\"Different information about your company will be required throughout the loan application process. First, basic information is requested to check whether the company and transaction meet the minimum requirements. You will then need to provide contact details, transaction specifics and basic financial and tax data. Finally, if the transaction is deemed viable, additional supporting documentation will be required to present the offer to investors.\"},{\"q\":\"Can a company change the loan amount it wants to apply for after submitting the request?\",\"a\":\"In principle no, unless the offer has not yet been presented to the public, in which case you can write to us to assess the case.\"},{\"q\":\"Can a company modify its loan application once it has been published on the platform?\",\"a\":\"It cannot be modified once published. If approved by the committee and there is investor demand, the amount may be increased by up to 25% of the initial published amount.\"},{\"q\":\"Can a company cancel a loan application after obtaining financing?\",\"a\":\"Yes, it can be cancelled before the loan is formalised. The Lemonway cost will be incurred and capital will be returned to investors.\"}]},{\"id\":\"fiscalidad-noresidentes\",\"label\":\"Non-resident tax\",\"items\":[{\"q\":\"Can a Spanish non-resident in Spain invest in Cresor opportunities?\",\"a\":\"Yes. You must provide the Tax Residence Certificate under the Double Taxation Treaty of the country where you have your tax domicile so the corresponding withholding can be applied. Until that document is obtained, the default withholding applied will be 19%.\"},{\"q\":\"What documentation must a Spanish non-resident in Spain provide?\",\"a\":\"At registration you must attach the Tax Residence Certificate applicable to the country where you have your tax domicile. This certificate usually has a one-year validity.\"},{\"q\":\"Is money obtained from promotions launched by Cresor subject to tax with
22holding?\",\"a\":\"Yes. Any promotion is subject to IRPF withholding on account, regardless of the amount obtained, as it is considered capital income (Art. 25.2 of the IRPF Law).\"},{\"q\":\"Can a foreign national invest in Cresor opportunities?\",\"a\":\"Yes, provided they have a Spanish tax ID (NIF), obtainable at the embassy or consulate of their country in Spain.\"},{\"q\":\"What is Modelo 720?\",\"a\":\"Modelo 720 is the declaration of assets held abroad and is an informational tax obligation requiring taxpayers to declare assets and rights with economic content that are located or managed outside Spain. The above tax information is provided by Cresor for informational purposes only and does not constitute tax advice. We recommend you consult your tax adviser.\"},{\"q\":\"Who must file Modelo 720?\",\"a\":\"Those obliged to file Modelo 720 are:\",\"list\":[\"Natural and legal persons resident in Spanish territory.\",\"Permanent establishments in Spain of non-resident persons or entities.\",\"Entities such as unclaimed estates, joint ownership arrangements and similar entities that do not have legal personality but constitute an economic unit or separate estate.\"],\"paras\":[\"The above tax information is provided by Cresor for informational purposes only. We recommend you consult your tax adviser.\"]},{\"q\":\"From what amount must I file Modelo 720?\",\"a\":\"The obligation to file Modelo 720 only arises when assets held abroad in total exceed €50,000, including accounts, deposits, rights, insurance and income, securities, real estate and rights over real estate at 31 December. If Modelo 720 was filed in the previous year, it only needs to be re-filed for the same group of assets if their value has increased by more than €20,000. The above tax information is provided by Cresor for informational purposes only. We recommend you consult your tax adviser.\"}]}]},\"glosario\":{\"seo\":{\"title\":\"Crowdlending and financing glossary | Cresor\",\"description\":\"Dictionary of investment, crowdlending and crowdfunding terms: IRR, APR, diversification, CNMV and the keys to each opportunity.\"},\"hero\":{\"eyebrow\":\"Learn\",\"title\":\"Financial glossary\",\"subtitle\":\"All investment, crowdlending and crowdfunding terms explained in one place. Search for a concept or expand the definition.\"},\"searchPlaceholder\":\"Search for a term…\",\"searchAria\":\"Search a glossary term\",\"clearSearch\":\"Clear search\",\"filterAria\":\"Filter by letter\",\"allLetters\":\"All\",\"count\":\"{count, plural, one {# term} other {# terms}}\",\"empty\":{\"title\":\"We couldn't find any term matching that search.\",\"reset\":\"View the full glossary\"},\"letters\":[\"A\",\"B\",\"C\",\"D\",\"E\",\"I\",\"M\",\"N\",\"P\",\"R\",\"S\",\"T\"],\"terms\":[{\"slug\":\"acciones\",\"term\":\"Shares\",\"letter\":\"A\",\"paragraphs\":[\"Shares are an aliquot (proportional) part of a company's share capital. They are variable-income instruments (their return depends on the company's profits, paid as dividends).\",\"The holder is a co-owner of the company (in proportion to the number of shares held). They therefore have not only economic rights (receiving a share of dividends) but also political rights (making decisions by voting at shareholder meetings). They represent equity financing (no interest is paid on them, though dividends are, and there is no obligation or schedule for their repayment). They are issued by public limited companies.\",\"They are freely transferable: no consent from other shareholders is required to sell them (with some exceptions, such as closed joint-stock companies, where consent is required).\"]},{\"slug\":\"acpr-(autorite-de-controle-prudentiel-et-de-resolution)\",\"term\":\"ACPR (Autorité de Contrôle Prudentiel et de Résolution)\",\"letter\":\"A\",\"paragraphs\":[\"This is the independent French administrative authority responsible for supervising and regulating banks and insurance companies in France. It is overseen by the Bank of France (Banque de France).\"]},{\"slug\":\"acta-de-titularidad-real\",\"term\":\"Beneficial ownership deed\",\"letter\":\"A\",\"paragraphs\":[\"With the entry into force of the new Anti-Money Laundering Law, when formalising any notarial document it is necessary to certify the identification of the beneficial owners involved in the deed. Beneficial ownership deeds are issued by the notaries themselves as collaborators in anti-money laundering prevention.\",\"The deed is a document similar to a public instrument in which the parties certify that they are themselves the holders of the assets or rights related to the transaction, confirming that they are not acting on behalf of third parties — with the aim of preventing the involvement of so-called 'front men'.\",\"The notary will record 
22in the document that they have fulfilled the obligation to identify the beneficial owner. In commercial companies, the beneficial owner is the one whose participation in the company exceeds 25%. The articles of incorporation serve as evidence, together with a declaration by the signatory that the capital composition has not changed.\"]},{\"slug\":\"acuerdo-de-inversion\",\"term\":\"Investment agreement\",\"letter\":\"A\",\"paragraphs\":[\"This is the agreement that Cresor signs on behalf of investors and which governs the relationship between companies and investors. You can access this agreement at any time, before and after investing, through the investment opportunity or your Cresor account.\"]},{\"slug\":\"acuerdo-de-mandato\",\"term\":\"Mandate agreement\",\"letter\":\"A\",\"paragraphs\":[\"In a crowdfunding service provider, the investor signs a mandate agreement in favour of the CSP to act on their behalf and in their name. This is signed expressly at the time of registration.\"]},{\"slug\":\"acuerdo-de-representacion\",\"term\":\"Representation agreement\",\"letter\":\"A\",\"paragraphs\":[\"A representation agreement is when a natural or legal person acts on behalf of or in place of another. The representation agreement must always be reflected in a notarial power of attorney.\"]},{\"slug\":\"ampliacion-de-capital\",\"term\":\"Capital raise\",\"letter\":\"A\",\"paragraphs\":[\"In commercial companies, a legal act by which, upon approval of the board of directors and the general shareholders' meeting, an increase in the company's share capital is carried out either by issuing new shares or by increasing their nominal value. It must be executed in a public deed and registered with the Commercial Registry.\"]},{\"slug\":\"banco-de-españa\",\"term\":\"Banco de España\",\"letter\":\"B\",\"paragraphs\":[\"The Banco de España is the national central bank and, within the framework of the Single Supervisory Mechanism (SSM), the supervisor of the Spanish banking system alongside the European Central Bank. Its activity is regulated by the Banco de España Autonomy Law.\",\"Its functions include putting legal tender into circulation, inspecting and creating regulations for credit institutions, controlling foreign exchange legislation in relation to financial transactions, and maintaining the country's foreign reserves. It is led by a Governor and an Executive Committee. It currently coordinates with the European Central Bank (ECB), which is responsible for monetary policy and price stability in the euro area, as well as regulating and supervising financial institutions with assets exceeding €30 billion.\"]},{\"slug\":\"bonos\",\"term\":\"Bonds\",\"letter\":\"B\",\"paragraphs\":[\"A bond is a debt instrument issued by a company or public authority to raise financing.\",\"The bond issuer promises to repay the borrowed money to the bond buyer, normally plus pre-agreed interest known as a coupon. This is why it is known as a fixed-income instrument.\",\"Bonds are one of the main sources of financing for large companies and public authorities, primarily governments, which materialise debt through bond issuances, providing their lenders with a financial asset.\",\"A bond is an aliquot portion of a loan. The issuing organisation divides the total debt it wishes to place into small portions called bonds, so that any person can lend money to it — because the loans are so large that no single agent can grant them — thereby dividing the loan 'contract' into many small contracts or securities (the bonds), so that the bond holder has a right to have the money lent to them returned, plus interest.\",\"Bonds can be transferred on the secondary market, which causes their market price to fluctuate. Bond owners or lenders are called 'holders' or 'bondholders'.\",\"When buying a bond we are making a loan. The buyer delivers an amount of money, called the bond principal, to the issuing company. The company undertakes to repay the amount lent on a pre-established maturity date, plus a pre-established interest rate. This is why bonds are considered fixed-income assets, since regardless of how the company performs, we will receive the fixed interest to which the issuing company has committed at the end of the peri
22od — although they sometimes carry variable interest rates.\"]},{\"slug\":\"cartera-de-inversiones\",\"term\":\"Investment portfolio\",\"letter\":\"C\",\"paragraphs\":[\"An investment portfolio is the set of investments held by a person or entity.\",\"An investment portfolio is the set of assets with which an investor or saver implements their financial strategy. In other words, it is the set of financial products and assets to which the saver allocates their money in order to obtain a return.\",\"The concept of an investment portfolio introduces a global view of one's investments, taking careful account of the correlations that may exist between different assets. This gives us an idea of the overall return our portfolio can offer and also helps in strategic decision-making.\",\"It can hold various assets, movable or immovable property, or both.\"]},{\"slug\":\"cnmv\",\"term\":\"CNMV\",\"letter\":\"C\",\"paragraphs\":[\"The Comisión Nacional del Mercado de Valores (CNMV) is the body responsible for supervising and inspecting Spanish securities markets and the activity of all those who participate in them.\",\"The CNMV's objectives are:\",\"To ensure the transparency of Spanish securities markets and the proper formation of prices, and\",\"To protect investors.\"]},{\"slug\":\"conflicto-de-interes\",\"term\":\"Conflict of interest\",\"letter\":\"C\",\"paragraphs\":[\"Conflicts of interest are situations in which the judgement of an individual, in relation to a primary interest for them, and the integrity of their actions, tend to be unduly influenced by a secondary interest, which is frequently of an economic or personal nature.\",\"In other words, a person incurs in a conflict of interest when, instead of acting as required, they could direct their decisions or act for personal gain or the benefit of a third party.\",\"Conflicts of interest are present in numerous decisions in the professional lives of managers and employees, as well as in companies and organisations, both public and private.\"]},{\"slug\":\"crowdfunding\",\"term\":\"Crowdfunding\",\"letter\":\"C\",\"paragraphs\":[\"Crowdfunding is a form of financing that involves using the capital of numerous individuals through small contributions.\",\"Crowdfunding helps companies or individuals obtain financing beyond what banks, friends and family can provide. It is used as a source of financing for very diverse projects, from political or business campaigns to musical or artistic projects.\",\"This financing network is usually online, enabling access to a large number of people who, through financial contributions, help fund a project. There are four types of crowdfunding:\",\"Donation crowdfunding: people who contribute money do so unselfishly, simply for the satisfaction of helping someone achieve a project without receiving any benefit or reward. This type of crowdfunding is unregulated.\",\"Reward crowdfunding: backers receive a reward such as a digital mention, being among the first to enjoy the service offered or receiving a personalised product, among others. In this case, as with donations, the money contributed is not recovered. This type of crowdfunding is also unregulated.\",\"Equity crowdfunding: in this case the capital contributed represents an investment, receiving a percentage of the company through shares. The money contributed by the investor becomes part of the company's share capital. This type of crowdfunding is regulated by the CNMV under Law 5/2015 on the promotion of business financing.\",\"Crowdlending: in this type of crowdfunding the money is recovered through repayment of the loan with interest. The investor acts as a lender, so in this case the company includes the crowdlending funds in its liabilities. This type of crowdfunding is regulated by the CNMV with a binding opinion from the Banco de España under Law 5/2015 on the promotion of business financing.\"]},{\"slug\":\"diversificacion\",\"term\":\"Diversification\",\"letter\":\"D\",\"paragraphs\":[\"In the investment context, diversification is carried out by investing in multiple assets, such that an investor can reduce the overall risk of their investment portfolio by investing across multiple assets.\",\"Diversification is the result of the act of diversifying. This verb refers to making something that was uniform or lacked variants become varied and heterogeneous.\",\"To diversify, in other words, is to introduce diversity (plurality).\",\"In the world of investment, we speak of portfolio diversification.\"]},{\"slug\":\"dividendos\",\"term\":\"Dividends\",\"letter\":\"D\",\"paragraphs\":[\"A dividend occurs when a company distributes profits to its shareholders. Each investor thereby benefits from the company's results by receiving an amount of money in return for their investment in the company.\"]},{\"slug\":\"divisa\",\"term\":\"Currency\",\"letter\":\"D\",\"paragraphs\":[\"Currency refers to both foreign banknotes and bank balances denominated in foreign currencies. Any right expressed in foreign currency and payable abroad (a cheque, for example) is also considered a currency.\"]},{\"slug\":\"entidad-de-pago\",\"term\":\"Payment institution\",\"letter\":\"E\",\"paragraphs\":[\"Payment institutions are a type of entity created by Law 16/2009 of 13 November on payment services, distinct from credit institutions, which are authorised to provide payment services such as transfers, direct debits and card payments.\",\"The requirements for obtaining and maintaining authorisation as a payment institution, as well as other regulations governing this type of entity, are set out in Royal Decree 712/2010 of 28 May on the legal framework for payment services and payment institutions.\"]},{\"slug\":\"estatutos-de-una-sociedad\",\"term\":\"Articles of association\",\"letter\":\"E\",\"paragraphs\":[\"In company law, the articles of association is the rule agreed by the partners or founders that governs the operation of a legal entity, whether a company, association or foundation. In general, it is common to all types of collegiate bodies, including entities without legal personality.\",\"Their core functions include, among others, the following:\",\"Governing the entity's conduct towards third parties (for example, decision-making rules, representatives, etc.).\",\"Governing the rights and obligations of members and the relationships between them.\",\"In this case, the rule has effects primarily inter partes.\"]},{\"slug\":\"estrategia-core\",\"term\":\"Core strategy\",\"letter\":\"E\",\"paragraphs\":[\"This is the type of strategy with the lowest risk and return of all strategies. The main focus is on obtaining recurring and secured income in the long term. Properties are usually located in prime areas with highly solvent tenants.\"]},{\"slug\":\"estrategia-core-plus\",\"term\":\"Core-plus strategy\",\"letter\":\"E\",\"paragraphs\":[\"This is the type of strategy at the second lowest risk and return level. These strategies add risk and return to the core strategy due to the nature of the property or the tenant. For example, a property located in an area a few blocks from a prime location or one that requires minor improvement works.\"]},{\"slug\":\"estrategia-oportunista\",\"term\":\"Opportunistic strategy\",\"letter\":\"E\",\"paragraphs\":[\"This is the type of strategy with the highest risk and return of all strategies. These strategies are typically carried out through major refurbishments or construction from a plot of land. They are strategies where income is most uncertain, but also where the opportunity offers the highest returns.\"]},{\"slug\":\"estrategia-valor-añadido\",\"term\":\"Value-added strategy\",\"letter\":\"E\",\"paragraphs\":[\"This is the type of strategy at the third lowest risk and return level. This increased risk and return is justified by the existence of a problem with the property, such as inappropriate management, absence of tenants or defects in the property. This strategy consists of implementing a plan to enhance the value of the property — for example, through professionalised management, mass marketing or significant repairs.\"]},{\"slug\":\"inflacion\",\"term\":\"Inflation\",\"letter\":\"I\",\"paragraphs\":[\"Inflation is the generalised and sustained increase in the prices of goods and services in a country. When the general level of prices rises, each unit of currency buys fewer goods and services. In other words, inflation reflects the decrease in the purchasing power of a currency. It is a highly relevant concept for any investor, as the real return on an investment will be reduced by inflation.\"]},{\"slug\":\"inversion-alternativa\",\"term\":\"Alternative investment\",\"letter\":\"I\",\"paragraphs\":[\"Alternative investment refers to all investments focused on assets other than traditional ones (equities, bonds, cash). They allow investors to diversify the risks of their portfolio through investments that behave differently from traditional ones. Examples of alternative investments include real estate, commodities, hedge funds, and start-ups.\"]},{\"slug\":\"inversor-acreditado\",\"term\":\"Accredited investor\",\"letter\":\"I\",\"paragraphs\":[\"Under Law 5/2015 of 27 April, two types of investors are defined: accredited investors and non-accredited investors. An accredited investor is a natural or legal person who meets certain 
22net worth, income or professional knowledge criteria, allowing them to access investment opportunities with fewer restrictions. Non-accredited investors are subject to additional protections and investment limits.\",\"For further details you can consult our blog.\"]},{\"slug\":\"inversor-experimentado\",\"term\":\"Experienced investor\",\"letter\":\"I\",\"paragraphs\":[\"Under Regulation (EU) 2020/1503 of the European Parliament and of the Council of 7 October 2020 on European Crowdfunding Service Providers:\",\"An experienced investor is an investor who is aware of the risks associated with investing in the capital markets and has sufficient resources to assume those risks without exposing themselves to excessive financial consequences.\",\"The following legal or natural persons are considered experienced investors in all services offered by crowdfunding service providers:\",\"1) Legal persons meeting at least one of the following criteria: a) own funds of at least €100,000; b) net turnover of at least €2,000,000; c) balance sheet of at least €1,000,000.\",\"2) Natural persons meeting at least two of the following criteria: a) personal gross income of at least €60,000 per tax year, or a portfolio of financial instruments exceeding €100,000; b) the investor works or has worked in the financial sector for at least one year in a professional position requiring knowledge of the transactions or services provided, or has held an executive position for at least 12 months in a legal person as defined above; c) the investor has carried out transactions of significant volume in capital markets at an average frequency of 10 per quarter over the previous four quarters.\",\"Crowdfunding service providers must provide investors with a template they can use to apply for treatment as experienced investors.\"]},{\"slug\":\"inversor-no-acreditado\",\"term\":\"Non-accredited investor\",\"letter\":\"I\",\"paragraphs\":[\"Under Law 5/2015 on the Promotion of Business Financing, two types of investors are distinguished in crowdfunding service providers: accredited and non-accredited investors.\",\"Non-accredited investors are natural or legal persons who do not qualify as accredited investors.\"]},{\"slug\":\"monederos-electronicos\",\"term\":\"Electronic wallets\",\"letter\":\"M\",\"paragraphs\":[\"Electronic wallets are digital accounts created to increase investor security and protection. These accounts ensure that investor funds are not transferred to the company until the investment opportunity closes successfully, reaching its target. They also ensure that if anything happens to Cresor, investor funds remain safe and accessible.\"]},{\"slug\":\"nota-simple-del-registro-mercantil\",\"term\":\"Commercial Registry extract\",\"letter\":\"N\",\"paragraphs\":[\"The Commercial Registry extract (Nota Simple) is the document issued by the Commercial Registry containing the general and up-to-date information on any company registered in Spain.\",\"Any company opening an account on Cresor must provide a Commercial Registry extract dated less than three months old in order to validate the account. It is an indispensable requirement requested by our payment institution.\"]},{\"slug\":\"pacto-de-socios\",\"term\":\"Shareholders' agreement\",\"letter\":\"P\",\"paragraphs\":[\"This is the document that governs the internal relations of the company. The objective of this document is to eliminate the risks of conflict that could interrupt the continuity of a project. For example, imagine that one of the investors wishes to sell their stake to a friend — this shareholders' agreement may establish that the other investors will have priority to buy the stake of the investor who wants to sell.\"]},{\"slug\":\"participaciones\",\"term\":\"Units / Stakes\",\"letter\":\"P\",\"paragraphs\":[\"When we speak of 'participaciones' (units/stakes) in relation to a company: they are the aliquot and indivisible parts that make up a limited liability company. They represent the contributions to the share capital by its partners.\",\"Limited liability commercial companies divide their share c
22apital through participaciones. In this way, the ownership of such companies is distributed among their holders.\",\"In general, participaciones are treated as aliquot and identical parts. All of them imply the commitment of their owners or holders to assume the various rights and obligations in the company in question.\",\"When we speak of 'participaciones' in relation to an investment fund: in an investment fund, a unit is each of the equal (aliquot) parts into which the fund's managed assets are divided.\",\"To invest in a fund, you must buy units, an operation called a subscription. The reverse operation is a redemption, which consists of selling units to recover the invested capital and any gains or losses.\",\"Units have a price, known as the net asset value. The net asset value is calculated by dividing the fund's assets by the total number of units issued. The price of units therefore increases or decreases every day depending on the performance of the fund's asset portfolio.\",\"A unit in a fund is to the fund what a share is to a listed company. Unlike shares, units can be fractional — investors typically buy fractions with several decimal places.\"]},{\"slug\":\"pasarela-de-pagos\",\"term\":\"Payment gateway\",\"letter\":\"P\",\"paragraphs\":[\"A payment gateway (or payment platform) is a service provider that, through a secure connection, authorises payments for online transactions — whether investments or payments to online stores in exchange for their products. They are regulated entities that require authorisation from the Banco de España under the name of payment institution.\"]},{\"slug\":\"proveedor-de-servicios-de-financiacion-participativa\",\"term\":\"Crowdfunding Service Provider\",\"letter\":\"P\",\"paragraphs\":[\"The Spanish government, through its regulatory bodies (CNMV and Banco de España), created the figure of the Crowdfunding Service Provider (ECSPR) to provide a legal framework for crowdfunding and collective investment platforms that help companies or projects obtain financing through contributions from many investors.\",\"Their objective is to connect companies or project promoters with various investors, generally through a web-based platform. As a way to regulate this new market, a compulsory licence was created for these platforms.\",\"The mandatory licensing process for all collective financing platforms in Spain arose from the publication in the BOE of Law 5/2015 of 27 April on the promotion of business financing. That law establishes strict requirements for the granting of licences under the supervision of the CNMV and the Banco de España.\"]},{\"slug\":\"registro-de-la-propiedad\",\"term\":\"Land Registry\",\"letter\":\"R\",\"paragraphs\":[\"The Land Registry is the administrative institution responsible for providing official public record of ownership of real estate, as well as the rights and charges affecting such properties. It is therefore a mechanism that seeks to enhance the guarantees for all those with an interest in real estate.\"]},{\"slug\":\"registro-mercantil\",\"term\":\"Commercial Registry\",\"letter\":\"R\",\"paragraphs\":[\"The Commercial Registry is an official institution responsible for providing public information on the natural and legal persons involved in commercial activity. It records the acts of traders, whether individuals or companies, so that they can be known by those who enter into contracts with them (suppliers, banks, etc.), as well as by current or potential investors (e.g. shareholders) and by public entities with which they have dealings (Social Security, Tax Agency, etc.).\"]},{\"slug\":\"rentabilidad-nominal\",\"term\":\"Nominal return\",\"letter\":\"R\",\"paragraphs\":[\"Nominal return measures the performance of invested capital in monetary terms, rather than in terms of purchasing power. In other words, it does not take into account changes in purchasing power.\",\"It does not factor in external elements such as inflation or taxes. It therefore does not reflect the real change in the investor's purchasing power. Put differently, the nominal return is the gross return, without taking inflation into account.\",\"Nominal return formula: Nominal return (%) = [[(1 + real return) × (1 + inflation)] – 1] × 100\",\"The nominal return is the return that an investor apparently obtains. We say 'apparently' because it does not account for whether prices have risen or fallen. As mentioned, it does not factor in elements that impact the investor's purchasing power, such as inflation.\",\"For example, a return of €100 on €1,000 equates to 10%. The return value is €100 nominal.\"]},{\"slug\":\"rentabilidad-real\",\"term\":\"Real return\",\"letter\":\"R\",\"paragraphs\":[\"Real return is the return that takes inflation into account in its calculation. In other words, it seeks to provide a more accurate picture by factoring in the loss of purchasing power caused by inflation. Its formula, derived from the nominal return, is:\",\"(1 + real return) = (1 + nominal return) / (1 + inflation)\"]},{\"slug\":\"rentabilidades-conceptos\",\"term\":\"Returns and their concepts\",\"letter\":\"R\",\"paragraphs\":[\"Here we define the return concepts you will find in our opportunities:\",\"Annual return: this is the annual IRR. The internal rate of return (IRR) is the interest rate or return offered by an investment. It takes into account all income received by the investor, as well as the timing of receipt. It is published when the opportunity opens.\",\"Annual interest rate: annual nominal interest rate on the loan. The annual nominal rate is obtained by multiplying the peri
22odic nominal rate by the number of payment periods in a year.\",\"Total return obtained: the actual interest rate obtained over the period the opportunity lasted, from start to maturity, non-annualised. Calculated after payment and repayment have been made. Calculated by dividing the gross profit amount by the invested capital amount.\",\"Annual IRR obtained: interest received on the opportunity, annualised, calculated after payment and repayment have been made.\"]},{\"slug\":\"riesgo-concentracion\",\"term\":\"Concentration risk\",\"letter\":\"R\",\"paragraphs\":[\"This is the risk of concentrating your money in few investments. This risk is reduced through diversification.\",\"Concentration risk also arises when investing in the same corporate group. It is always reduced through diversification.\"]},{\"slug\":\"riesgo-de-liquidez\",\"term\":\"Liquidity risk\",\"letter\":\"R\",\"paragraphs\":[\"The risk of not being able to access the money committed in your investment when you want to.\",\"Liquidity risk has two different meanings. In finance, it is the risk that an asset must be sold at a price below market value due to its low liquidity — or simply not being able to sell it at all. In economics, liquidity risk measures the ability of a person, company or institution to meet their short-term obligations.\"]},{\"slug\":\"riesgo-de-mercado\",\"term\":\"Market risk\",\"letter\":\"R\",\"paragraphs\":[\"Market risk is commonly described as the probability of price changes in the assets a company holds. More specifically, it refers to the risk of value losses in an asset, usually associated with market fluctuations and variations.\",\"In the financial world, market risk is the risk of incurring losses due to changes in the market price of portfolio positions as a result of an adverse movement in the financial variables — risk factors — that determine their market value.\",\"The types of market risk factors to which an institution's positions may be exposed can be diverse and will depend on the characteristics of the instruments in the portfolio. Examples include movements in interest rates, equity prices, exchange rates, credit spreads, credit quality migrations (ratings) or even issuer defaults, changes in factor volatilities, and movements in commodity prices.\",\"To measure and control market risks, the commonly accepted reference metric is Value at Risk (VaR). VaR is a concept that originated in the late 1980s through JPMorgan's pioneering RiskMetrics™ model. It estimates, over a given horizon, the losses associated with a given confidence level that may result from the market uncertainty inherent in a particular financial asset position.\"]},{\"slug\":\"riesgo-inflacion\",\"term\":\"Inflation risk\",\"letter\":\"R\",\"paragraphs\":[\"General rises in the prices of goods and services erode the value of your money. This also affects your investments. If the returns on your investments are lower than inflation, you will be losing purchasing power.\"]},{\"slug\":\"riesgo-operativo\",\"term\":\"Operational risk\",\"letter\":\"R\",\"paragraphs\":[\"These are risks associated with the people, processes and technologies behind your investment. At Cresor we are committed to minimising this risk by applying an investor protection system in which the teams behind each investment are validated. We also have an obsession with investor security.\"]},{\"slug\":\"riesgo-politico-social-y-regulatorio\",\"term\":\"Political, social and regulatory risk\",\"letter\":\"R\",\"paragraphs\":[\"This encompasses events that may cause your investment to lose value. For example, a change in regulation, or a political or social crisis.\"]},{\"slug\":\"roic\",\"term\":\"ROIC\",\"letter\":\"R\",\"paragraphs\":[\"Return on Invested Capital. This is a ratio calculated by dividing total investment returns by the capital invested.\"]},{\"slug\":\"start-ups\",\"term\":\"Start-ups\",\"letter\":\"S\",\"paragraphs\":[\"A concept originating from English that refers to recently created companies, which began to be used with the emergence of business models with high growth and scalability potential.\"]},{\"slug\":\"tae\",\"term\":\"APR (Annual Percentage Rate)\",\"letter\":\"T\",\"paragraphs\":[\"APR stands for Annual Percentage Rate. It provides a value closer to the real cost (in the case of a loan) or return (in the case of a deposit) of the contracted financial product.\",\"The APR offers a more accurate value than the nominal interest rate (NIR), as it includes in its calculation, in addition to the nominal interest rate, bank charges and commissions and the term of the transaction.\",\"APR formula: the formula 
22involves the nominal interest rate (r) and the payment frequency during a year (f). If paid monthly, f = 12; quarterly, f = 4; annually, f = 1.\"]},{\"slug\":\"tarifa-exito-stockcrowdin\",\"term\":\"Cresor success fee\",\"letter\":\"T\",\"paragraphs\":[\"This is the fee charged by Cresor, calculated as a percentage of the funds raised for the project, provided it closes successfully — i.e. the financing target published on the platform is reached. If it does not close successfully, Cresor will not charge this commission. Once the campaign ends and as a prior step to disbursing the funds to the promoter/manager, this commission is deducted in favour of Cresor. It does not affect the final return obtained by investors, as the Promoter bears its cost. You can view Cresor's fees on the Fees page.\"]},{\"slug\":\"tir\",\"term\":\"IRR\",\"letter\":\"T\",\"paragraphs\":[\"The internal rate of return (IRR) is the interest rate or return offered by an investment. In other words, it is the percentage of profit or loss that an investment will generate on the amounts that have not been withdrawn from the project.\",\"It is a measure used in evaluating investment projects and is closely related to the net present value (NPV). It is also defined as the value of the discount rate that makes the NPV equal to zero for a given investment project.\",\"The IRR gives a relative measure of profitability, expressed as a percentage. The main challenge lies in its calculation, as the number of periods determines the degree of the equation to be solved. To solve this, various approximations, a financial calculator or computer software can be used.\",\"The IRR is the discount rate that, at the initial moment, equates the future stream of receipts with that of payments, generating an NPV equal to zero. Ft are the cash flows in each period t, I0 is the investment at the initial moment (t = 0), and n is the number of time periods.\"]}]},\"automatizacion\":{\"seo\":{\"title\":\"Automatic crowdlending investing | Cresor\",\"description\":\"Set your criteria and invest automatically in real estate crowdlending. The tool applies your rules when funds are available and a project matches.\"},\"hero\":{\"eyebrow\":\"Automatic investing\",\"title\":\"Discover our Automation tool\",\"subtitle\":\"Define your investment parameters once and let the platform work for you, automatically and transparently.\",\"cta\":\"Activate automatic investing\"},\"what\":{\"title\":\"What is it?\",\"leadBefore\":\"We have built an order automation tool so you can, if you wish, define your investment parameters and invest automatically.\",\"leadStrong\":\"Configure your criteria\",\"leadAfter\":\"and every time a project that meets them is published, the investment will be made as long as you have available balance.\"},\"highlights\":[{\"id\":\"wallet\",\"title\":\"Only if you have balance and it matches your selected criteria\",\"text\":\"The investment is made only when you have available balance in your wallet.\"},{\"id\":\"bell\",\"title\":\"Notifications\",\"text\":\"You receive a notice for each automatic investment and see it reflected in your portfolio.\"},{\"id\":\"shield\",\"title\":\"Control\",\"text\":\"You can turn the tool on or off whenever you need to.\"}],\"stepsSection\":{\"eyebrow\":\"How it works in 4 steps\",\"title\":\"Step by step to activate your automatic investing\"},\"steps\":[{\"n\":\"1\",\"icon\":\"zap\",\"title\":\"Activate automatic investing\",\"paragraphs\":[\"Go to your profile and enable the feature from the \\\"automatic investments\\\" section.\"],\"image\":\"activar\",\"imageAlt\":\"Panel to activate automatic investing for Real Estate and Business\"},{\"n\":\"2\",\"icon\":\"sliders\",\"title\":\"Define your investment parameters (real estate / business or both)\",\"blocks\":[{\"subtitle\":\"Real estate investing:\",\"paragraphs\":[\"Set your Real Estate Investment preferences. Enter the maximum amounts you want to allocate by operation term and risk rating (AAA, A, B or C).\",\"Then set the interest rate limits (minimum and maximum), define the minimum amount per investment and set the maximum term in months.\"],\"image\":\"inmobiliario\",\"imageAlt\":\"Real estate management settings: maximum amounts by term and rating\"},{\"subtitle\":\"Business investing:\",\"paragraphs\":[\"Set your Business Investment preferences. Enter the maximum amounts you want to allocate by operation term and risk rating (10-5
22).\",\"Then set the interest rate limits (minimum and maximum), define the minimum amount per investment and set the maximum term in months. Finally, define the limit per group and per borrower.\"],\"image\":\"empresas\",\"imageAlt\":\"Business management settings: maximum amounts by term and rating\"}]},{\"n\":\"3\",\"icon\":\"signature\",\"title\":\"Review and confirm your strategy\",\"paragraphsBefore\":\"Before activating this feature you will need to\",\"paragraphsStrong\":\"sign the automatic investment management agreement.\"},{\"n\":\"4\",\"icon\":\"repeat\",\"title\":\"The platform invests automatically for you\",\"paragraphs\":[\"Every time a project matching your criteria is published, the investment is made automatically. You will receive a notification and can see it in your portfolio.\",\"You can turn the tool on or off whenever you need and, as always, check your investments from your private area or in your \\\"Investment\\\" movements.\"]}],\"cta\":{\"title\":\"Activate automatic investing\",\"text\":\"Access your private area, sign the automatic investment management agreement and start investing according to your criteria.\",\"activate\":\"Activate now\",\"contact\":\"Talk to us\",\"disclaimer\":\"Investing in loans involves the risk of total or partial loss of capital. Past returns are not a reliable indicator of future returns.\"}},\"promociones\":{\"seo\":{\"title\":\"Investment promotions available | Cresor\",\"description\":\"See Cresor's active promotions and their terms. Invest and get extra benefits when you sign up or invite a friend.\"},\"hero\":{\"eyebrow\":\"Current promotions\",\"title\":\"Promotions\",\"intro\":\"Invest and get additional benefits with the promotions available\"},\"list\":{\"eyebrow\":\"Active campaigns\",\"title\":\"Available promotions and terms\",\"hint\":\"Enter the corresponding code when you register to activate the promotion.\"},\"promos\":[{\"id\":\"amigo\",\"code\":\"Personal code\",\"title\":\"Refer a friend\",\"kicker\":\"Referral programme\",\"description\":\"Share your personal Cresor code. When a friend registers with your link and makes their first investment meeting the requirements, you both benefit from the promotion.\",\"accent\":\"yellow\",\"status\":\"Permanent\",\"terms\":[]}],\"card\":{\"termsLabel\":\"Terms\",\"conditions\":\"Promotion terms\"},\"cta\":{\"eyebrow\":\"Start investing\",\"title\":\"Sign up and activate your promotion on Cresor.\",\"register\":\"Create account\",\"opportunities\":\"View opportunities\"},\"legal\":\"Promotions are subject to the specific terms of each promotion. Investing in crowdfunding projects involves risks, including the risk of total or partial loss of the capital invested, the risk of not obtaining the expected cash return, and the risk of lack of liquidity of the investment.\"},\"cookies\":{\"seo\":{\"title\":\"Website cookie policy | Cresor\",\"description\":\"Information about cookies and similar technologies on cresor.com: which cookies we use, what they are for and how to manage your preferences.\"},\"eyebrow\":\"Cresor · Legal texts\",\"title\":\"Cookie policy\",\"intro\":\"Information about the use of cookies and similar technologies on our website.\",\"sections\":{\"info\":{\"heading\":\"Information about cookies\",\"text\":\"In accordance with Law 34/2002 of 11 July on information society services and electronic commerce (LSSI), in relation to Regulation (EU) 2016/679 of the European Parliament and of the Council of 27 April 2016 (GDPR) and Organic Law 3/2018 of 5 December on the Protection of Personal Data and Guarantee of Digital Rights (LOPDGDD), it is mandatory to obtain the express consent of the user of all websites that use non-essential cookies, before they browse them.\"},\"what\":{\"heading\":\"What are cookies?\",\"p1\":\"Cookies and other similar technologies such as local shared objects, flash cookies or pixels are tools used by web servers to store and retrieve information about their visitors, as well as to ensure the proper functioning of the site.\",\"p2\":\"Through the use of these devices, the web server is able to remember certain data about the user, such as their preferences for viewing pages on that server, name and password, products of most interest, etc.\"},\"affected\":{\"heading\":\"Cookies subject to regulations and exempted cookies\",\"text\":\"According to the EU directive, cookies that require informed consent from the user are analytics cookies and advertising and affiliate cookies, while technical cookies and those necessary for the functioning of the website or the provision of services expressly requested by the user are exempt.\"},\"types\":{\"heading\":\"Types of Cookies\",\"items\":[{\"title\":\"Technical and functional\",\"desc\":\"These allow the user to browse a website, platform or application and use the different options or services available on it.\"},{\"title\":\"Analytics\",\"desc\":\"These allow the tracking and analysis of the behaviour of users of linked websites in order to introduce improvements based on usage data analysis.\"},{\"title\":\"Advertising\",\"desc\":\"These allow the management of advertising space
22s that the publisher has included on a website, application or platform.\"},{\"title\":\"Behavioural advertising\",\"desc\":\"These collect information about the user's personal preferences and choices (retargeting) to manage advertising spaces effectively.\"},{\"title\":\"Social\",\"desc\":\"Set by social network platforms in their services to allow content to be shared with friends and networks.\"},{\"title\":\"Affiliate\",\"desc\":\"These allow tracking of visits from other websites with which the website has an affiliate agreement.\"},{\"title\":\"Security\",\"desc\":\"These store encrypted information to prevent the data stored in them from being vulnerable to malicious third-party attacks.\"}]},\"byOwner\":{\"heading\":\"By ownership\",\"first\":{\"label\":\"First-party cookies:\",\"text\":\"sent to the user's terminal from a device or domain managed by the publisher itself, from which the requested service is provided.\"},\"third\":{\"label\":\"Third-party cookies:\",\"text\":\"sent to the user's terminal from a device or domain that is not managed by the publisher, but by another entity that processes the data obtained through the cookies.\"}},\"byDuration\":{\"heading\":\"By retention period\",\"session\":{\"label\":\"Session cookies:\",\"text\":\"designed to collect and store data while the user accesses a website.\"},\"persistent\":{\"label\":\"Persistent cookies:\",\"text\":\"data remains stored on the terminal and can be accessed and processed for a period defined by the cookie controller.\"}},\"dataProcessing\":{\"heading\":\"Processing of personal data\",\"intro\":\"Cresor is the controller of the personal data of the Data Subject and informs them that this data will be processed in accordance with Regulation (EU) 2016/679 of 27 April 2016 (GDPR). The following information about the processing is provided:\",\"purposes\":{\"title\":\"Purposes of processing\",\"text\":\"As specified in the section on cookies used on this website.\"},\"legal\":{\"title\":\"Legal basis\",\"text\":\"Except where necessary for browsing the website, based on the consent of the data subject (Art. 6.1 GDPR).\"},\"retention\":{\"title\":\"Retention\",\"text\":\"As specified in the section on cookies used on the website.\"},\"sharing\":{\"title\":\"Data sharing\",\"text\":\"Data will not be shared with third parties, except in the case of third-party cookies or as required by law.\"},\"rights\":{\"title\":\"Rights of the Data Subject\",\"items\":[\"Right to withdraw consent at any time.\",\"Right of access, rectification, portability and erasure of their data, and the right to restrict or object to its processing.\",\"Right to lodge a complaint with the supervisory authority (www.aepd.es) if they consider that the processing does not comply with applicable regulations.\"]},\"contact\":{\"title\":\"Contact details to exercise your rights\",\"address\":\"Cresor. Calle de San Bernardo, 123, 7A — 28015 Madrid (Spain).\",\"email\":\"Email:\"}},\"used\":{\"heading\":\"Cookies used on this website\",\"editorTitle\":\"Publisher-controlled cookies\",\"analyticsTitle\":\"Analytics\",\"advertisingTitle\":\"Advertising\",\"noteLabel\":\"Important note:\",\"noteText\":\"Third-party services are outside the publisher's control. Providers may modify their terms of service, purpose and use of cookies at any time.\",\"thirdPartyTitle\":\"Third-party providers on this website\",\"table\":{\"property\":\"Property\",\"cookie\":\"Cookie\",\"purpose\":\"Purpose\",\"duration\":\"Duration\",\"provider\":\"Provider\",\"privacy\":\"Privacy policy\"}},\"panel\":{\"heading\":\"Cookie settings panel\",\"text\":\"From this panel you can configure which cookies the website can install on your browser, except for technical or functional cookies that are necessary for navigation and the use of the different options or services offered.\",\"button\":\"Manage preferences\"},\"manage\":{\"heading\":\"How to manage cookies from your browser\",\"delete\":{\"title\":\"Delete cookies from your device\",\"text\":\"Cookies already on a device can be deleted by clearing the browser history, which removes cookies from all websites visited.\"},\"site\":{\"title\":\"Manage site-specific cookies\",\"text\":\"For more precise control over site-specific cookies, users can adjust their privacy and cookie settings in the browser.\"},\"block\":{\"title\":\"Block cookies\",\"text\":\"Although most modern browsers can be configured to prevent cookies from being installed, this may require manually adjusting certain preferences each time a site or page is visited.\"}},\"browsers\":{\"heading\":\"How to delete cookies in the most common browsers\",\"table\":{\"browser\":\"Browser\",\"link\":\"Help link\",\"view\":\"View instructions\"}},\"privacyLink\":\"View Privacy Policy and Legal Notice\"},\"cookieData\":{\"purposes\":{\"necessary\":\"Cookie required for website functionality and services\",\"jsessionid\":\"JSESSIONID is a platform session cookie used by sites with Java Server Pages (JSP). The cookie is used to maintain an anonymous user session by the server.\",\"gaUser\":\"ID used to identify users\",\"gaUser24\":\"ID used to identify users for 24 hours after the last activity\",\"linkedinTrack\":\"Used by LinkedIn to track the use of integrated services.\",\"linkedinService\":\"Used by the social network LinkedIn to track the use of integrated services.\",\"facebook\":\"Used by Facebook to offer a range of products such as advertising and real-time offers from third-party advertisers\",\"googleAdsense\":\"Used by Google AdSense to experiment with advertising efficiency on websites using their services.\"},\"durations\":{\"session\":\"Session\",\"6months\":\"6 months\",\"1year\":\"1 year\",\"22hours\":\"22 hours\",\"17hours\":\"17 hours\",\"3months\":\"3 months\"}}},\"auditorias\":{\"seo\":{\"title\":\"Audits and annual accounts | Cresor\",\"description\":\"We publish the audited annual accounts of StockCrowd Platform, S.L. (Cresor) so you can review them in full transparency, year by year.\"}
22,\"hero\":{\"eyebrow\":\"Transparency\",\"title\":\"Audits\",\"intro\":\"We publish the platform's audited annual accounts so you can review them with full transparency.\"},\"list\":{\"eyebrow\":\"Documents\",\"title\":\"Audited annual accounts\",\"itemTitle\":\"Annual accounts {year}\",\"open\":\"Open\",\"empty\":\"No audits have been published yet. Please check back later.\"}},\"contratos\":{\"seo\":{\"title\":\"Investment contracts and documentation | Cresor\",\"description\":\"See Cresor's contract templates and legal framework: fixed-rate loan, mandate, general terms and the rest of the platform documentation.\"},\"hero\":{\"eyebrow\":\"Transparency\",\"title\":\"Contracts\",\"intro\":\"Learn about the contract templates and legal documentation we use at Cresor.\"},\"list\":{\"eyebrow\":\"Documents\",\"title\":\"Contract templates\",\"open\":\"Open\",\"empty\":\"No contracts have been published yet. Please check back later.\",\"items\":{\"fixed\":\"Fixed-rate loan contract template\",\"participative\":\"Participative loan contract template\",\"mandate\":\"Mandate agreement\",\"terms\":\"General terms of use\",\"promotions\":\"Promotions\"}}}}
22,\"now\":\"$undefined\",\"timeZone\":\"UTC\",\"children\":\"$L17\"}]\n18:I[13919,[\"/_next/static/chunks/0h2qsuyze9ds1.js\",\"/_next/static/chunks/0fg4cbhvxsw2e.js\",\"/_next/static/chunks/41y3u4iqh1sf9.js\",\"/_next/static/chunks/2ebdawz4oua0w.js\",\"/_next/static/chunks/0nyy9hkktrzez.js\",\"/_next/static/chunks/3x4dl28zjqml3.js\",\"/_next/static/chunks/2-65apvovc3fy.js\",\"/_next/static/chunks/3xgfz1-1bmo20.js\"],\"default\"]\n19:I[3374,[\"/_next/static/chunks/0h2qsuyze9ds1.js\",\"/_next/static/chunks/0fg4cbhvxsw2e.js\",\"/_next/static/chunks/41y3u4iqh1sf9.js\",\"/_next/static/chunks/2ebdawz4oua0w.js\",\"/_next/static/chunks/0nyy9hkktrzez.js\",\"/_next/static/chunks/3x4dl28zjqml3.js\",\"/_next/static/chunks/2-65apvovc3fy.js\",\"/_next/static/chunks/3xgfz1-1bmo20.js\"],\"default\"]\n1a:I[26187,[\"/_next/static/chunks/0h2qsuyze9ds1.js\",\"/_next/static/chunks/0fg4cbhvxsw2e.js\",\"/_next/static/chunks/41y3u4iqh1sf9.js\",\"/_next/static/chunks/2ebdawz4oua0w.js\",\"/_next/static/chunks/0nyy9hkktrzez.js\",\"/_next/static/chunks/3x4dl28zjqml3.js\",\"/_next/static/chunks/2-65apvovc3fy.js\",\"/_next/static/chunks/3xgfz1-1bmo20.js\"],\"default\"]\n1b:I[44668,[\"/_next/static/chunks/0h2qsuyze9ds1.js\",\"/_next/static/chunks/0fg4cbhvxsw2e.js\",\"/_next/static/chunks/41y3u4iqh1sf9.js\",\"/_next/static/chunks/2ebdawz4oua0w.js\",\"/_next/static/chunks/0nyy9hkktrzez.js\",\"/_next/static/chunks/3x4dl28zjqml3.js\",\"/_next/static/chunks/2-65apvovc3fy.js\",\"/_next/static/chunks/3xgfz1-1bmo20.js\",\"/_next/static/chunks/07yhp69yf-kcj.js\"],\"default\"]\n1e:I[85486,[\"/_next/static/chunks/0h2qsuyze9ds1.js\",\"/_next/static/chunks/0fg4cbhvxsw2e.js\",\"/_next/static/chunks/41y3u4iqh1sf9.js\",\"/_next/static/chunks/2ebdawz4oua0w.js\",\"/_next/static/chunks/0nyy9hkktrzez.js\",\"/_next/static/chunks/3x4dl28zjqml3.js\",\"/_next/static/chunks/2-65apvovc3fy.js\",\"/_next/static/chunks/3xgfz1-1bmo20.js\"],\"default\"]\n1f:I[85249,[\"/_next/static/chunks/0h2qsuyze9ds1.js\",\"/_next/static/chunks/0fg4cbhvxsw2e.js\",\"/_next/static/chunks/41y3u4iqh1sf9.js\",\"/_next/static/chunks/2ebdawz4oua0w.js\",\"/_next/static/chunks/0nyy9hkktrzez.js\",\"/_next/static/chunks/3x4dl28zjqml3.js\",\"/_next/static/chunks/2-65apvovc3fy.js\",\"/_next/static/chunks/3xgfz1-1bmo20.js\"],\"default\"]\n20:I[40464,[\"/_next/static/chunks/0h2qsuyze9ds1.js\",\"/_next/static/chunks/0fg4cbhvxsw2e.js\",\"/_next/static/chunks/41y3u4iqh1sf9.js\",\"/_next/static/chunks/2ebdawz4oua0w.js\",\"/_next/static/chunks/0nyy9hkktrzez.js\",\"/_next/static/chunks/3x4dl28zjqml3.js\",\"/_next/static/chunks/2-65apvovc3fy.js\",\"/_next/static/chunks/3xgfz1-1bmo20.js\"],\"default\"]\n21:I[46696,[\"/_next/static/chunks/0h2qsuyze9ds1.js\",\"/_next/static/chunks/0fg4cbhvxsw2e.js\",\"/_next/static/chunks/41y3u4iqh1sf9.js\",\"/_next/static/chunks/2ebdawz4oua0w.js\",\"/_next/static/chunks/0nyy9hkktrzez.js\",\"/_next/static/chunks/3x4dl28zjqml3.js\",\"/_next/static/chunks/2-65apvovc3fy.js\",\"/_next/static/chunks/3xgfz1-1bmo20.js\"],\"Toaster\"]\n17:[\"$\",\"$L18\",null,{\"children\":[[[\"$\",\"a\",null,{\"href\":\"#main\",\"className\":\"skip-link\",\"children\":\"Skip to content\"}],[\"$\",\"$L19\",null,{}],[\"$\",\"$L1a\",null,{}],[\"$\",\"main\",null,{\"id\":\"main\",\"className\":\"flex-1\",\"children\":[\"$\",\"$L2\",null,{\"parallelRouterKey\":\"children\",\"error\":\"$1b\",\"errorStyles\":[],\"errorScripts\":[[\"$\",\"script\",\"script-0\",{\"src\":\"/_next/static/chunks/07yhp69yf-kcj.js\",\"async\":true}]],\"template\":[\"$\",\"$L3\",null,{}],\"templateStyles\":\"$undefined\",\"templateScripts\":\"$undefined\",\"notFound\":[\"$L1c\",[]],\"forbidden\":\"$undefined\",\"unauthorized\":\"$undefined\"}]}],\"$L1d\",[\"$\",\"$L1e\",null,{}]],[\"$\",\"$L1f\",null,{}],[\"$\",\"$L20\",null,{\"privacyHref\":\"/web-api/documentos/WEB-PP\"}],[\"$\",\"$L21\",null,{\"position\":\"top-right\",\"closeButton\":true,\"duration\":8000}]]}]\n22:I[59544,[\"/_next/static/chunks/0h2qsuyze9ds1.js\",\"/_next/static/chunks/0fg4cbhvxsw2e.js\",\"/_next/static/chunks/41y3u4iqh1sf9.js\",\"/_next/static/chunks/2ebdawz4oua0w.js\",\"/_next/static/chunks/0nyy9hkktrzez.js\",\"/_next/static/chunks/3x4dl28zjqml3.js\",\"/_next/static/chunks/2-65apvovc3fy.js\",\"/_next/static/chunks/3xgfz1-1bmo20.js\",\"/_next/static/chunks/1g382c2rezm78.js\",\"/_next/static/chunks/1ynrczjgmgn_y.js\"],\"Button\"]\n1c:[\"$\",\"section\",null,{\"ref\":\"$undefined\",\"className\":\"bg-cream flex min-h-[80vh] items-center justify-center px-6 py-20\",\"children\":[\"$\",\"div\",null,{\"className\":\"w-full max-w-4xl\",\"children\":[[\"$\",\"div\",null,{\"className\":\"rounded-3xl bg-white p-8 shadow-sm md:p-14\",\"children\":[[\"$\",\"div\",null,{\"className\":\"text-center\",\"children\":[[\"$\",\"div\",null,{\"className\":\"font-display text-8xl leading-none tracking-tight text-green-dark md:text-9xl\",\"children\":[\"4\",[\"$\",\"span\",null,{\"className\":\"text-yellow\",\"children\":\"0\"}],\"4\"]}],[\"$\",\"h1\",null,{\"className\":\"font-display text-3xl text-green-dark mt-6 md:text-4xl\",\"children\":\"Page not found\"}],[\"$\",\"p\",null,{\"className\":\"text-green-dark/60 font-normal mx-auto mt-4 max-w-md text-lg\",\"children\":\"The page you are looking for doesn't exist or has been moved. Here's how to keep browsing.\"}],[\"$\",\"$L22\",null,{\"href\":\"/\",\"variant\":\"primary\",\"className\":\"mt-8\",\"children\":\"Back to home\"}]]}],[\"$\",\"div\",null,{\"className\":\"mt-14\",\"children\":[[\"$\",\"p\",null,{\"className\":\"text-xs uppercase text-green-dark/60 font-normal text-center tracking-wider\",\"children\":\"You might be interested in\"}],[\"$\",\"div\",null,{\"className\":\"mt-6 grid gap-4 sm:grid-cols-2 lg:grid-cols-3\",\"children\":[\"$L23\",\"$L24\",\"$L25\",\"$L26\",\"$L27\"]}]]}]]}],[\"$\",\"p\",null,{\"className\":\"text-sm font-normal mt-8 text-center text-green-dark/50\",\"children\":\"Crowdfunding Service Provider authorised by the CNMV (Registry no. 19).\"}]]}]}]\n28:I[77105,[\"/_next/static/chunks/0h2qsuyze9ds1.js\",\"/_next/static/chunks/0fg4cbhvxsw2e.js\",\"/_next/static/chunks/41y3u4iqh1sf9.js\",\"/_next/static/chunks/2ebdawz4oua0w.js\",\"/_next/static/chunks/0nyy9hkktrzez.js\",\"/_next/static/chunks/3x4dl28zjqml3.js\",\"/_next/static/chunks/2-65apvovc3fy.js\",\"/_next/static/chunks/3xgfz1-1bmo20.js\"],\"default\"]\n29:I[5014,[\"/_next/static/chunks/0h2qsuyze9ds1.js\",\"/_next/static/chunks/0fg4cbhvxsw2e.js\",\"/_next/static/chunks/41y3u4iqh1sf9.js\",\"/_next/static/chunks/2ebdawz4oua0w.js\",\"/_next/static/chunks/0nyy9hkktrzez.js\",\"/_next/static/chunks/3x4dl28zjqml3.js\",\"/_next/static/chunks/2-65apvovc3fy.js\",\"/_next/static/chunks/3xgfz1-1bmo20.js\",\"/_next/static/chunks/1g382c2rezm78.js\",\"/_next/static/chunks/1ynrczjgmgn_y.js\"],\"default\"]\n23:[\"$\",\"$L28\",\"/oportunidades\",{\"ref\":\"$undefined\",\"href\":\"/en/oportunidades\",\"locale\":\"$undefined\",\"localeCookie\":{\"name\":\"NEXT_LOCALE\",\"sameSite\":\"lax\"}
22,\"className\":\"group flex items-start gap-4 rounded-2xl border border-green-dark/10 bg-white p-5 transition-all duration-300 hover:border-yellow hover:bg-yellow/10 hover:shadow-sm\",\"children\":[[\"$\",\"div\",null,{\"className\":\"flex h-11 w-11 shrink-0 items-center justify-center rounded-full bg-green-dark/5 text-green-dark transition-colors group-hover:bg-yellow group-hover:text-green-dark\",\"children\":[\"$\",\"$L29\",null,{\"ref\":\"$undefined\",\"iconNode\":[[\"path\",{\"d\":\"M16 7h6v6\",\"key\":\"box55l\"}],[\"path\",{\"d\":\"m22 7-8.5 8.5-5-5L2 17\",\"key\":\"1t1m79\"}]],\"className\":\"lucide-trending-up\",\"size\":22,\"strokeWidth\":1.5}]}],[\"$\",\"div\",null,{\"children\":[[\"$\",\"span\",null,{\"className\":\"font-display text-lg text-green-dark\",\"children\":\"Opportunities\"}],[\"$\",\"p\",null,{\"className\":\"text-sm text-green-dark/60 font-normal mt-1 leading-relaxed\",\"children\":\"Discover selected projects to invest in.\"}]]}]]}]\n24:[\"$\",\"$L28\",\"/promotores\",{\"ref\":\"$undefined\",\"href\":\"/en/promotores\",\"locale\":\"$undefined\",\"localeCookie\":\"$23:props:localeCookie\",\"className\":\"group flex items-start gap-4 roun
22ded-2xl border border-green-dark/10 bg-white p-5 transition-all duration-300 hover:border-yellow hover:bg-yellow/10 hover:shadow-sm\",\"children\":[[\"$\",\"div\",null,{\"className\":\"flex h-11 w-11 shrink-0 items-center justify-center rounded-full bg-green-dark/5 text-green-dark transition-colors group-hover:bg-yellow group-hover:text-green-dark\",\"children\":[\"$\",\"$L29\",null,{\"ref\":\"$undefined\",\"iconNode\":[[\"path\",{\"d\":\"M10 12h4\",\"key\":\"a56b0p\"}],[\"path\",{\"d\":\"M10 8h4\",\"key\":\"1sr2af\"}],[\"path\",{\"d\":\"M14 21v-3a2 2 0 0 0-4 0v3\",\"key\":\"1rgiei\"}],[\"path\",{\"d\":\"M6 10H4a2 2 0 0 0-2 2v7a2 2 0 0 0 2 2h16a2 2 0 0 0 2-2V9a2 2 0 0 0-2-2h-2\",\"key\":\"secmi2\"}],[\"path\",{\"d\":\"M6 21V5a2 2 0 0 1 2-2h8a2 2 0 0 1 2 2v16\",\"key\":\"16ra0t\"}]],\"className\":\"lucide-building2 lucide-building-2\",\"size\":22,\"strokeWidth\":1.5}]}],[\"$\",\"div\",null,{\"children\":[[\"$\",\"span\",null,{\"className\":\"font-display text-lg text-green-dark\",\"children\":\"Promoters\"}],[\"$\",\"p\",null,{\"className\":\"text-sm text-green-dark/60 font-normal mt-1 leading-relaxed\",\"children\":\"Fund your project with crowdfunding.\"}]]}]]}]\n25:[\"$\",\"$L28\",\"/inversores\",{\"ref\":\"$undefined\",\"href\":\"/en/inversores\",\"locale\":\"$undefined\",\"localeCookie\":\"$23:props:localeCookie\",\"className\":\"group flex items-start gap-4 roun
22ded-2xl border border-green-dark/10 bg-white p-5 transition-all duration-300 hover:border-yellow hover:bg-yellow/10 hover:shadow-sm\",\"children\":[[\"$\",\"div\",null,{\"className\":\"flex h-11 w-11 shrink-0 items-center justify-center rounded-full bg-green-dark/5 text-green-dark transition-colors group-hover:bg-yellow group-hover:text-green-dark\",\"children\":[\"$\",\"$L29\",null,{\"ref\":\"$undefined\",\"iconNode\":[[\"path\",{\"d\":\"M16 21v-2a4 4 0 0 0-4-4H6a4 4 0 0 0-4 4v2\",\"key\":\"1yyitq\"}],[\"path\",{\"d\":\"M16 3.128a4 4 0 0 1 0 7.744\",\"key\":\"16gr8j\"}],[\"path\",{\"d\":\"M22 21v-2a4 4 0 0 0-3-3.87\",\"key\":\"kshegd\"}],[\"circle\",{\"cx\":\"9\",\"cy\":\"7\",\"r\":\"4\",\"key\":\"nufk8\"}]],\"className\":\"lucide-users\",\"size\":22,\"strokeWidth\":1.5}]}],[\"$\",\"div\",null,{\"children\":[[\"$\",\"span\",null,{\"className\":\"font-display text-lg text-green-dark\",\"children\":\"Investors\"}],[\"$\",\"p\",null,{\"className\":\"text-sm text-green-dark/60 font-normal mt-1 leading-relaxed\",\"children\":\"Learn the benefits of investing with Cresor.\"}]]}]]}]\n26:[\"$\",\"$L28\",\"/registro\",{\"ref\":\"$undefined\",\"href\":\"/en/registro\",\"locale\":\"$undefined\",\"localeCookie\":\"$23:props:localeCookie\",\"className\":\"group flex items-start gap-4 roun
22ded-2xl border border-green-dark/10 bg-white p-5 transition-all duration-300 hover:border-yellow hover:bg-yellow/10 hover:shadow-sm\",\"children\":[[\"$\",\"div\",null,{\"className\":\"flex h-11 w-11 shrink-0 items-center justify-center rounded-full bg-green-dark/5 text-green-dark transition-colors group-hover:bg-yellow group-hover:text-green-dark\",\"children\":[\"$\",\"$L29\",null,{\"ref\":\"$undefined\",\"iconNode\":[[\"path\",{\"d\":\"M16 21v-2a4 4 0 0 0-4-4H6a4 4 0 0 0-4 4v2\",\"key\":\"1yyitq\"}],[\"circle\",{\"cx\":\"9\",\"cy\":\"7\",\"r\":\"4\",\"key\":\"nufk8\"}],[\"line\",{\"x1\":\"19\",\"x2\":\"19\",\"y1\":\"8\",\"y2\":\"14\",\"key\":\"1bvyxn\"}],[\"line\",{\"x1\":\"22\",\"x2\":\"16\",\"y1\":\"11\",\"y2\":\"11\",\"key\":\"1shjgl\"}]],\"className\":\"lucide-user-plus\",\"size\":22,\"strokeWidth\":1.5}]}],[\"$\",\"div\",null,{\"children\":[[\"$\",\"span\",null,{\"className\":\"font-display text-lg text-green-dark\",\"children\":\"Sign up\"}],[\"$\",\"p\",null,{\"className\":\"text-sm text-green-dark/60 font-normal mt-1 leading-relaxed\",\"children\":\"Create your account and start investing.\"}]]}]]}]\n27:[\"$\",\"$L28\",\"/contacto\",{\"ref\":\"$undefined\",\"href\":\"/en/contacto\",\"locale\":\"$undefined\",\"localeCookie\":\"$23:props:localeCookie\",\"className\":\"group flex items-start gap-4 roun
22ded-2xl border border-green-dark/10 bg-white p-5 transition-all duration-300 hover:border-yellow hover:bg-yellow/10 hover:shadow-sm\",\"children\":[[\"$\",\"div\",null,{\"className\":\"flex h-11 w-11 shrink-0 items-center justify-center rounded-full bg-green-dark/5 text-green-dark transition-colors group-hover:bg-yellow group-hover:text-green-dark\",\"children\":[\"$\",\"$L29\",null,{\"ref\":\"$undefined\",\"iconNode\":[[\"path\",{\"d\":\"m22 7-8.991 5.727a2 2 0 0 1-2.009 0L2 7\",\"key\":\"132q7q\"}],[\"rect\",{\"x\":\"2\",\"y\":\"4\",\"width\":\"20\",\"height\":\"16\",\"rx\":\"2\",\"key\":\"izxlao\"}]],\"className\":\"lucide-mail\",\"size\":22,\"strokeWidth\":1.5}]}],[\"$\",\"div\",null,{\"children\":[[\"$\",\"span\",null,{\"className\":\"font-display text-lg text-green-dark\",\"children\":\"Contact\"}],[\"$\",\"p\",null,{\"className\":\"text-sm text-green-dark/60 font-normal mt-1 leading-relaxed\",\"children\":\"Talk to our support team.\"}]]}]]}]\n2b:I[85437,[\"/_next/static/chunks/0h2qsuyze9ds1.js\",\"/_next/static/chunks/0fg4cbhvxsw2e.js\",\"/_next/static/chunks/41y3u4iqh1sf9.js\",\"/_next/static/chunks/2ebdawz4oua0w.js\",\"/_next/static/chunks/0nyy9hkktrzez.js\",\"/_next/static/chunks/3x4dl28zjqml3.js\",\"/_next/static/chunks/2-65apvovc3fy.js\",\"/_next/static/chunks/3xgfz1-1bmo20.js\"],\"Image\"]\n2a:T5e1,Investing in crowdfunding projects involves risks, including the risk of total or partial loss of the invested capital, the risk of not obtaining the expected monetary return and the risk of illiquidity of the investment. In the case of financing through the issuance of shares, this also includes the risk of dilution, the risk of not receiving dividends and the risk of not being able to influence the management of the company. In the case of financing through the issuance of equity interests or other capital-representative securities, this includes the risk of dilution, the risk of not receiving dividends, the risk of not being able to influence the management of the company, all subject to the restrictions on free transferability inherent to their legal regime.\n\nStockCrowd Platform, SL (Cresor Investment) is not an investment services firm or a credit institution and is not adhered to any investment guarantee fund or deposit guarantee fund. Crowdfunding projects are not subject to authorisation or supervision by the CNMV or the Bank of Spain, therefore the information provided by developers about the projects has not been reviewed by them (nor, in the case of securities issuance, does it constitute a prospectus approved by the CNMV).\n\nInvesting in crowdfunding projects should be done as part of a diversified portfolio. StockCrowd Platform, SL (Cresor Investment) is intended for people with sufficient knowledge to understand the risks of making investments in this type of project.1d:[[\"$\",\"section\",null,{\"ref\":\"$undefined\",\"className\":\"bg-muted py-8 text-black/80\",\"children\":[\"$\",\"div\",null,{\"className\":\"container-cresor whitespace-pre-line text-xs leading-relaxed text-justify\",\"children\":\"$2a\"}]}],[\"$\",\"footer\",null,{\"className\":\"bg-green-dark text-white\",\"children\":[[\"$\",\"div\",null,{\"className\":\"container-cresor grid gap-12 py-16 md:grid-cols-2 lg:grid-cols-4\",\"children\":[[\"$\",\"div\",null,{\"children\":[[\"$\",\"$L2b\",null,{\"src\":\"/assets/logo-cresor.svg\",\"alt\":\"Cresor\",\"width\":120,\"height\":32,\"className\":\"h-8 w-auto hidden md:block\"}],[\"$\",\"p\",null,{\"className\":\"text-white/75 font-normal mt-5 max-w-sm text-sm\",\"children\":\"Crowdfunding Service Provider authorised by the CNMV (Registry no. 19).\"}],[\"$\",\"div\",null,{\"className\":\"mt-6 flex gap-4\",\"children\":[[\"$\",\"a\",null,{\"href\":\"https://www.instagram.com/cresorbystockcrowdin/\",\"aria-label\":\"Instagram\",\"target\":\"_blank\",\"rel\":\"noopener noreferrer\",\"className\":\"hover:text-yellow\",\"children\":[\"$\",\"svg\",null,{\"width\":\"20\",\"height\":\"20\",\"viewBox\":\"0 0 24 24\",\"fill\":\"none\",\"stroke\":\"currentColor\",\"strokeWidth\":\"2\",\"strokeLinecap\":\"round\",\"strokeLinejoin\":\"round\",\"aria-hidden\":\"true\",\"children\":[[\"$\",\"rect\",null,{\"x\":\"2\",\"y\":\"2\",\"width\":\"20\",\"height\"
22:\"20\",\"rx\":\"5\",\"ry\":\"5\"}],[\"$\",\"circle\",null,{\"cx\":\"12\",\"cy\":\"12\",\"r\":\"4\"}],[\"$\",\"circle\",null,{\"cx\":\"17.5\",\"cy\":\"6.5\",\"r\":\"1\",\"fill\":\"currentColor\",\"stroke\":\"none\"}]]}]}],[\"$\",\"a\",null,{\"href\":\"https://www.linkedin.com/company/cresorbystockcrowdin\",\"aria-label\":\"LinkedIn\",\"target\":\"_blank\",\"rel\":\"noopener noreferrer\",\"className\":\"hover:text-yellow\",\"children\":[\"$\",\"svg\",null,{\"width\":\"20\",\"height\":\"20\",\"viewBox\":\"0 0 24 24\",\"fill\":\"currentColor\",\"aria-hidden\":\"true\",\"children\":[[\"$\",\"path\",null,{\"d\":\"M16 8a6 6 0 0 1 6 6v7h-4v-7a2 2 0 0 0-2-2 2 2 0 0 0-2 2v7h-4v-7a6 6 0 0 1 6-6zM2 9h4v12H2z\"}],[\"$\",\"circle\",null,{\"cx\":\"4\",\"cy\":\"4\",\"r\":\"2\"}]]}]}],[\"$\",\"a\",null,{\"href\":\"https://x.com/Cresor_\",\"aria-label\":\"X (Twitter)\",\"target\":\"_blank\",\"rel\":\"noopener noreferrer\",\"className\":\"hover:text-yellow\",\"children\":[\"$\",\"svg\",null,{\"width\":\"20\",\"height\":\"20\",\"viewBox\":\"0 0 24 24\",\"fill\":\"currentColor\",\"aria-hidden\":\"true\",\"children\":[\"$\",\"path\",null,{\"d\":\"M18.244 2.25h3.308l-7.227 8.26 8.502 11.24H16.17l-4.714-6.231-5.401 6.231H2.744l7.727-8.835L1.254 2.25H8.08l4.261 5.888L18.244 2.25zm-1.161 17.52h1.833L7.084 4.126H5.117L17.083 19.77z\"}]}]}],\"$L2c\"]}],\"$L2d\"]}],\"$L2e\",\"$L2f\",\"$L30\"]}],\"$L31\"]}]]\n32:I[96574,[\"/_next/static/chunks/0h2qsuyze9ds1.js\",\"/_next/static/chunks/0fg4cbhvxsw2e.js\",\"/_next/static/chunks/41y3u4iqh1sf9.js\",\"/_next/static/chunks/2ebdawz4oua0w.js\",\"/_next/static/chunks/0nyy9hkktrzez.js\",\"/_next/static/chunks/3x4dl28zjqml3.js\",\"/_next/static/chunks/2-65apvovc3fy.js\",\"/_next/static/chunks/3xgfz1-1bmo20.js\"],\"default\"]\n34:I[92544,[\"/_next/static/chunks/0h2qsuyze9ds1.js\",\"/_next/static/chunks/0fg4cbhvxsw2e.js\",\"/_next/static/chunks/41y3u4iqh1sf9.js\",\"/_next/static/chunks/2ebdawz4oua0w.js\",\"/_next/static/chunks/0nyy9hkktrzez.js\",\"/_next/static/chunks/3x4dl28zjqml3.js\",\"/_next/static/chunks/2-65apvovc3fy.js\",\"/_next/static/chunks/3xgfz1-1bmo20.js\"],\"default\"]\n2c:[\"$\",\"a\",null,{\"href\":\"https://www.facebook.com/cresorbystockcrowdin/\",\"aria-label\":\"Facebook\",\"target\":\"_blank\",\"rel\":\"noopener noreferrer\",\"className\":\"hover:text-yellow\",\"children\":[\"$\",\"svg\",null,{\"width\":\"20\",\"height\":\"20\",\"viewBox\":\"0 0 24 24\",\"fill\":\"currentColor\",\"aria-hidden\":\"true\",\"children\":[\"$\",\"path\",null,{\"d\":\"M18 2h-3a5 5 0 0 0-5 5v3H7v4h3v8h4v-8h3l1-4h-4V7a1 1 0 0 1 1-1h3z\"}]}]}]\n2d:[\"$\",\"div\",null,{\"className\":\"mt-6 max-w-xs\",\"children\":[\"$\",\"$L32\",null,{}]}]\n2e:[\"$\",\"div\",null,{\"children\":[[\"$\",\"p\",null,{\"className\":\"mb-4 text-sm tracking-wider text-yellow\",\"children\":\"ABOUT\"}],[\"$\",\"ul\",null,{\"className\":\"space-y-2 text-sm text-white/75\",\"children\":[[\"$\",\"li\",\"Opportunities\",{\"children\":\"$L33\"}],[\"$\",\"li\",\"How it works\",{\"children\":[\"$\",\"$L34\",null,{\"href\":\"/#como-funciona\",\"className\":\"transition-colors hover:text-yellow-soft\",\"children\":\"How it works\"}]}],[\"$\",\"li\",\"FAQs\",{\"children\":\"$L35\"}],[\"$\",\"li\",\"Glossary\",{\"children\":\"$L36\"}],[\"$\",\"li\",\"About us\",{\"children\":\"$L37\"}],[\"$\",\"li\",\"Contact\",{\"children\":\"$L38\"}]]}]]}]\n2f:[\"$\",\"div\",null,{\"children\":[[\"$\",\"p\",null,{\"className\":\"mb-4 text-sm tracking-wider text-yellow\",\"children\":\"LEGAL\"}],[\"$\",\"ul\",null,{\"className\":\"space-y-2 text-sm text-white/75\",\"children\":[[\"$\",\"li\",\"Privacy Policy and Legal Notice\",{\"children\":[\"$\",\"a\",null,{\"href\":\"/web-api/documentos/WEB-PP\",\"className\":\"transition-colors hover:text-yellow-soft\",\"target\":\"_blank\",\"rel\":\"noopener noreferrer\",\"children\":\"Privacy Policy and Legal Notice\"}]}],[\"$\",\"li\",\"Cookies Policy and configuration panel\",{\"children\":\"$L39\"}],[\"$\",\"li\",\"General Terms of Use\",{\"children\":[\"$\",\"a\",null,{\"href\":\"/web-api/documentos/WEB-CGU\",\"className\":\"transition-colors hover:text-yellow-soft\",\"target\":\"_blank\",\"rel\":\"noopener noreferrer\",\"children\":\"General Terms of Use\"}]}],[\"$\",\"li\",\"Lemon Way terms of use\",{\"children\":[\"$\",\"a\",null,{\"href\":\"/web-api/documentos/WEB-CDULW\",\"className\":\"transition-colors hover:text-yellow-soft\",\"target\":\"_blank\",\"rel\":\"noopener noreferrer\",\"children\":\"Lemon Way terms of use\"}]}],[\"$\",\"li\",\"Fixed-rate contract template\",{\"children\":[\"$\",\"a\",null,{\"href\":\"/web-api/documentos/WEB-DPTFM\",\"className\":\"transition-colors hover:text-yellow-soft\",\"target\":\"_blank\",\"rel\":\"noopener noreferrer\",\"children\":\"Fixed-rate contract template\"}]}],[\"$\",\"li\",\"Mandate agreement\",{\"children\":[\"$\",\"a\",null,{\"href\":\"/web-api/documentos/WEB-CM\",\"className\":\"transition-colors hover:text-yellow-soft\",\"target\":\"_blank\",\"rel\":\"noopener noreferrer\",\"children\":\"Mandate agreement\"}]}],[\"$\",\"li\",\"Meeting notice\",{\"children\":[\"$\",\"a\",null,{\"href\":\"/web-api/documentos/WEB-CJ\",\"className\":\"transition-colors hover:text-yellow-soft\",\"target\":\"_blank\",\"rel\":\"noopener noreferrer\",\"children\":\"Meeting notice\"}]}]]}]]}]\n30:[\"$\",\"div\",null,{\"children\":[[\"$\",\"p\",null,{\"className\":\"mb-4 text-sm tracking-wider text-yellow\",\"children\":\"MORE INFORMATION\"}],[\"$\",\"ul\",null,{\"className\":\"space-y-2 text-sm text-white/75\",\"children\":[[\"$\",\"li\",\"Security and Investor Protection\",{\"children\":\"$L3a\"}],[\"$\",\"li\",\"Risks and Default Protocol\",{\"children\":\"$L3b\"}],[\"$\",\"li\",\"Basic information for the investor client\",{\"children\":[\"$\",\"a\",null,{\"href\":\"/web-api/documentos/WEB-IBCI\",\"className\":\"transition-colors hover:text-yellow-soft\",\"target\":\"_blank\",\"rel\":\"noopener noreferrer\",\"children\":\"Basic information for the investor client\"}]}],[\"$\",\"li\",\"StockCrowd IN customer service\",{\"children\":[\"$\",\"a\",null,{\"href\":\"/web-api/documentos/WEB-SDAAC\",\"className\":\"transition-colors hover:text-yellow-soft\",\"target\":\"_blank\",\"rel\":\"noopener noreferrer\",\"children\":\"StockCrowd IN customer service\"}]}],[\"$\",\"li\",\"Complaints form\",{\"children\":[\"$\",\"a\",null,{\"href\":\"/web-api/documentos/WEB-FDR\",\"className\":\"transition-colors hover:text-yellow-soft\",\"target\":\"_blank\",\"rel\":\"noopener noreferrer\",\"children\":\"Complaints form\"}]}],[\"$\",\"li\",\"Fee policy\",{\"children\":[\"$\",\"a\",null,{\"href\":\"/web-api/documentos/WEB-PDT\",\"className\":\"transition-colors hover:text-yellow-soft\",\"target\":\"_blank\",\"rel\":\"noopener noreferrer\",\"children\":\"Fee policy\"}]}],[\"$\",\"li\",\"Promotions\",{\"children\":\"$L3c\"}],[\"$\",\"li\",\"Audits\",{\"children\":\"$L3d\"}],[\"$\",\"li\",\"Contracts\",{\"children\":\"$L3e\"}],[\"$\",\"li\",\"Friends promo terms\",{\"children\":[\"$\",\"a\",null,{\"href\":\"/web-api/documentos/WEB-CPA\",\"className\":\"transition-colors hover:text-yellow-soft\",\"target\":\"_blank\",\"rel\":\"noopener noreferrer\",\"children\":\"Friends promo terms\"}]}
22],[\"$\",\"li\",\"Internal code of conduct\",{\"children\":[\"$\",\"a\",null,{\"href\":\"/web-api/documentos/WEB-RIDCDSPS\",\"className\":\"transition-colors hover:text-yellow-soft\",\"target\":\"_blank\",\"rel\":\"noopener noreferrer\",\"children\":\"Internal code of conduct\"}]}],[\"$\",\"li\",\"Conflicts of Interest\",{\"children\":[\"$\",\"a\",null,{\"href\":\"/web-api/documentos/WEB-PYPDCDCDI\",\"className\":\"transition-colors hover:text-yellow-soft\",\"target\":\"_blank\",\"rel\":\"noopener noreferrer\",\"children\":\"Conflicts of Interest\"}]}],[\"$\",\"li\",\"Default rates — statistics\",{\"children\":\"$L3f\"}]]}]]}]\n31:[\"$\",\"div\",null,{\"className\":\"border-t border-white/10\",\"children\":[\"$\",\"div\",null,{\"className\":\"container-cresor py-6 text-xs text-white/55\",\"children\":\"© Cresor 2026\"}]}]\n33:[\"$\",\"$L28\",null,{\"ref\":\"$undefined\",\"href\":\"/en/oportunidades\",\"locale\":\"$undefined\",\"localeCookie\":\"$23:props:localeCookie\",\"className\":\"transition-colors hover:text-yellow-soft\",\"children\":\"Opportunities\"}]\n35:[\"$\",\"$L28\",null,{\"ref\":\"$undefined\",\"href\":\"/en/faqs\",\"locale\":\"$undefined\",\"localeCookie\":\"$23:props:localeCookie\",\"className\":\"transition-colors hover:text-yellow-soft\",\"children\":\"FAQs\"}]\n36:[\"$\",\"$L28\",null,{\"ref\":\"$undefined\",\"href\":\"/en/glosario\",\"locale\":\"$undefined\",\"localeCookie\":\"$23:props:localeCookie\",\"className\":\"transition-colors hover:text-yellow-soft\",\"children\":\"Glossary\"}]\n37:[\"$\",\"$L28\",null,{\"ref\":\"$undefined\",\"href\":\"/en/sobre-nosotros\",\"locale\":\"$undefined\",\"localeCookie\":\"$23:props:localeCookie\",\"className\":\"transition-colors hover:text-yellow-soft\",\"children\":\"About us\"}]\n38:[\"$\",\"$L28\",null,{\"ref\":\"$undefined\",\"href\":\"/en/contacto\",\"locale\":\"$undefined\",\"localeCookie\":\"$23:props:localeCookie\",\"className\":\"transition-colors hover:text-yellow-soft\",\"children\":\"Contact\"}]\n39:[\"$\",\"$L28\",null,{\"ref\":\"$undefined\",\"href\":\"/en/legal/cookies\",\"locale\":\"$undefined\",\"localeCookie\":\"$23:props:localeCookie\",\"className\":\"transition-colors hover:text-yellow-soft\",\"children\":\"Cookies Policy and configuration panel\"}]\n3a:[\"$\",\"$L28\",null,{\"ref\":\"$undefined\",\"href\":\"/en/seguridad\",\"locale\":\"$undefined\",\"localeCookie\":\"$23:props:localeCookie\",\"className\":\"transition-colors hover:text-yellow-soft\",\"children\":\"Security and Investor Protection\"}]\n3b:[\"$\",\"$L28\",null,{\"ref\":\"$undefined\",\"href\":\"/en/riesgos\",\"locale\":\"$undefined\",\"localeCookie\":\"$23:props:localeCookie\",\"className\":\"transition-colors hover:text-yellow-soft\",\"children\":\"Risks and Default Protocol\"}]\n3c:[\"$\",\"$L28\",null,{\"ref\":\"$undefined\",\"href\":\"/en/promociones\",\"locale\":\"$undefined\",\"localeCookie\":\"$23:props:localeCookie\",\"className\":\"transition-colors hover:text-yellow-soft\",\"children\":\"Promotions\"}]\n3d:[\"$\",\"$L28\",null,{\"ref\":\"$undefined\",\"href\":\"/en/auditorias\",\"locale\":\"$undefined\",\"localeCookie\":\"$23:props:localeCookie\",\"className\":\"transition-colors hover:text-yellow-soft\",\"children\":\"Audits\"}]\n3e:[\"$\",\"$L28\",null,{\"ref\":\"$undefined\",\"href\":\"/en/contratos\",\"locale\":\"$undefined\",\"localeCookie\":\"$23:props:localeCookie\",\"className\":\"transition-colors hover:text-yellow-soft\",\"children\":\"Contracts\"}]\n3f:[\"$\",\"$L28\",null,{\"ref\":\"$undefined\",\"href\":\"/en/estadisticas\",\"locale\":\"$undefined\",\"localeCookie\":\"$23:props:localeCookie\",\"className\":\"transition-colors hover:text-yellow-soft\",\"children\":\"Default rates — statistics\"}]\n"])</script>
22<script>self.__next_f.push([1,"40:I[39521,[\"/_next/static/chunks/0h2qsuyze9ds1.js\",\"/_next/static/chunks/0fg4cbhvxsw2e.js\",\"/_next/static/chunks/41y3u4iqh1sf9.js\",\"/_next/static/chunks/2ebdawz4oua0w.js\",\"/_next/static/chunks/0nyy9hkktrzez.js\",\"/_next/static/chunks/3x4dl28zjqml3.js\",\"/_next/static/chunks/2-65apvovc3fy.js\",\"/_next/static/chunks/3xgfz1-1bmo20.js\",\"/_next/static/chunks/1g382c2rezm78.js\",\"/_next/static/chunks/1ynrczjgmgn_y.js\"],\"default\"]\n41:I[90991,[\"/_next/static/chunks/0h2qsuyze9ds1.js\",\"/_next/static/chunks/0fg4cbhvxsw2e.js\",\"/_next/static/chunks/41y3u4iqh1sf9.js\",\"/_next/static/chunks/2ebdawz4oua0w.js\",\"/_next/static/chunks/0nyy9hkktrzez.js\",\"/_next/static/chunks/3x4dl28zjqml3.js\",\"/_next/static/chunks/2-65apvovc3fy.js\",\"/_next/static/chunks/3xgfz1-1bmo20.js\",\"/_next/static/chunks/1g382c2rezm78.js\",\"/_next/static/chunks/1ynrczjgmgn_y.js\"],\"default\"]\n42:I[94904,[\"/_next/static/chunks/0h2qsuyze9ds1.js\",\"/_next/static/chunks/0fg4cbhvxsw2e.js\",\"/_next/static/chunks/41y3u4iqh1sf9.js\",\"/_next/static/chunks/2ebdawz4oua0w.js\",\"/_next/static/chunks/0nyy9hkktrzez.js\",\"/_next/static/chunks/3x4dl28zjqml3.js\",\"/_next/static/chunks/2-65apvovc3fy.js\",\"/_next/static/chunks/3xgfz1-1bmo20.js\",\"/_next/static/chunks/1g382c2rezm78.js\",\"/_next/static/chunks/1ynrczjgmgn_y.js\"],\"default\"]\n7:[\"$\",\"$L40\",null,{\"badge\":\"Crowdfunding Service Provider authorised by the CNMV No. 19\",\"tabs\":{\"inmobiliario\":\"Real estate\",\"empresas\":\"Business\"},\"heroInmobiliario\":{\"title\":\"Finance your real estate project\",\"subtitle\":\"We finance your real estate project through our investor community.\",\"subtitle2\":\"100% online   ·   Agile   ·   No hidden costs\",\"cta\":\"Request financing\"},\"heroEmpresas\":{\"title\":\"Finance your business\",\"subtitle\":\"Access alternative financing through our investor community. Agile, 100% online and no hidden costs.\",\"cta\":\"Request financing\"},\"inmobiliario\":[[\"$\",\"section\",null,{\"ref\":\"$undefined\",\"className\":\"bg-cream py-16 md:py-24 lg:py-28\",\"children\":[\"$\",\"div\",null,{\"className\":\"container-cresor\",\"children\":[\"$\",\"div\",null,{\"className\":\"grid gap-10 md:grid-cols-3\",\"children\":[[\"$\",\"div\",null,{\"className\":\"text-center\",\"children\":[[\"$\",\"p\",null,{\"className\":\"font-display text-5xl md:text-6xl text-green-dark\",\"children\":[\"$\",\"$L41\",null,{\"value\":\"97\"}]}],[\"$\",\"p\",null,{\"className\":\"text-sm text-green-dark/85 font-normal mt-3\",\"children\":\"promoters have been financed with us\"}]]}],[\"$\",\"div\",null,{\"className\":\"text-center\",\"children\":[[\"$\",\"p\",null,{\"className\":\"font-display text-5xl md:text-6xl text-green-dark\",\"children\":[\"$\",\"$L41\",null,{\"value\":\"219\"}]}],[\"$\",\"p\",null,{\"className\":\"text-sm text-green-dark/85 font-normal mt-3\",\"children\":\"real estate projects financed\"}]]}],[\"$\",\"div\",null,{\"className\":\"text-center\",\"children\":[[\"$\",\"p\",null,{\"className\":\"font-display text-5xl md:text-6xl text-green-dark\",\"children\":[\"$\",\"$L41\",null,{\"value\":\"1705\"}]}],[\"$\",\"p\",null,{\"className\":\"text-sm text-green-dark/85 font-normal mt-3\",\"children\":\"homes we have helped build\"}]]}]]}]}]}],[\"$\",\"section\",null,{\"ref\":\"$undefined\",\"className\":\"bg-white py-16 md:py-24 lg:py-28\",\"children\":[\"$\",\"div\",null,{\"className\":\"container-cresor\",\"children\":[[\"$\",\"h2\",null,{\"className\":\"font-display text-4xl md:text-5xl lg:text-6xl text-green-dark\",\"children\":\"What does real estate project financing with Cresor involve?\"}],[\"$\",\"p\",null,{\"className\":\"text-base leading-relaxed text-green-dark/85 font-normal mt-6\",\"children\":\"We finance your real estate project through our investor community, quickly and 100% online. We cover new-build, refurbishment, flipping or change-of-use projects, among others, with a fixed-rate loan.\"}],[\"$\",\"p\",null,{\"className\":\"text-base leading-relaxed text-green-dark/85 font-normal mt-4\",\"children\":\"At Cresor we can activate capital in phases, in line with construction progress, technical certifications or the volume of pre-sales achieved. Your project sets the pace: we accompany you from asset acquisition through to the execution and commercialisation of the development.\"}],[\"$\",\"$L22\",null,{\"href\":\"/promotores#solicitar\",\"variant\":\"primary\",\"className\":\"mt-8\",\"children\":\"Request financing\"}]]}]}],[\"$\",\"section\",null,{\"ref\":\"$undefined\",\"className\":\"bg-white py-16 md:py-24 lg:py-28\",\"children\":[\"$\",\"div\",null,{\"className\":\"container-cresor\",\"children\":[[\"$\",\"h2\",null,{\"className\":\"font-display text-4xl md:text-5xl lg:text-6xl text-green-dark\",\"children\":\"Characteristics of our developer loan\"}],[\"$\",\"div\",null,{\"className\":\"mt-8 py-8\",\"children\":[\"$\",\"$L42\",null,{\"cardWidth\":320,\"gap\":24,\"speed\":50,\"items\":[[\"$\",\"div\",\"Up to €5,000,000\",{\"className\":\"group h-full rounded-2xl border border-green-dark/10 bg-white p-6 transition-all duration-300 hover:-translate-y-1 hover:border-green-dark/40\",\"children\":[[\"$\",\"$L29\",null,{\"ref\":\"$undefined\",\"iconNode\":[[\"path\",{\"d\":\"M4 10h12\",\"key\":\"1y6xl8\"}],[\"path\",{\"d\":\"M4 14h9\",\"key\":\"1loblj\"}],[\"path\",{\"d\":\"M19 6a7.7 7.7 0 0 0-5.2-2A7.9 7.9 0 0 0 6 12c0 4.4 3.5 8 7.8 8 2 0 3.8-.8 5.2-2\",\"key\":\"1j6lzo\"}]],\"className\":\"lucide-euro mb-4 h-10 w-10 text-green-dark\",\"strokeWidth\":1.5}],[\"$\",\"p\",null,{\"className\":\"font-display text-xl leading-tight text-green-dark\",\"children\":\"Up to €5,000,000\"}],[\"$\",\"p\",null,{\"className\":\"text-sm font-normal mt-3 text-green-dark/75\",\"children\":\"We finance in different phases according to project needs.\"}]]}],[\"$\",\"div\",\"Term tailored to the project\",{\"className\":\"group h-full rounded-2xl border border-green-dark/10 bg-white p-6 transition-all duration-300 hover:-translate-y-1 hover:border-green-dark/40\",\"children\":[\"$L43\",\"$L44\",\"$L45\"]}],\"$L46\",\"$L47\"]}]}]]}]}],\"$L48\",\"$L49\",\"$L4a\",\"$L4b\"],\"empresas\":\"$L4c\",\"formIntroInmobiliario\":\"$L4d\",\"formIntroEmpresas\":\"$L4e\",\"formDisclaimerInmobiliario\":\"To finance your project you must contribute own funds, have experience in the real estate sector — either personally or through the management team — and have no payment default alerts.\",\"formDisclaimerEmpresas\":\"To apply for business financing, the application must be made through a legal entity more than four years old, with an annual turnover exceeding one million euros, profitable, and with a clean financial history with no payment default alerts.\",\"privacyHref\":\"/web-api/documentos/WEB-PP\",\"initialTab\":\"inmobiliario\",\"faqInmobiliario\":\"$L4f\",\"faqEmpresas\":\"$L50\"}]\n"])</script>
22<script>self.__next_f.push([1,"51:I[56997,[\"/_next/static/chunks/0h2qsuyze9ds1.js\",\"/_next/static/chunks/0fg4cbhvxsw2e.js\",\"/_next/static/chunks/41y3u4iqh1sf9.js\",\"/_next/static/chunks/2ebdawz4oua0w.js\",\"/_next/static/chunks/0nyy9hkktrzez.js\",\"/_next/static/chunks/3x4dl28zjqml3.js\",\"/_next/static/chunks/2-65apvovc3fy.js\",\"/_next/static/chunks/3xgfz1-1bmo20.js\",\"/_next/static/chunks/1g382c2rezm78.js\",\"/_next/static/chunks/1ynrczjgmgn_y.js\"],\"default\"]\n52:I[72060,[\"/_next/static/chunks/0h2qsuyze9ds1.js\",\"/_next/static/chunks/0fg4cbhvxsw2e.js\",\"/_next/static/chunks/41y3u4iqh1sf9.js\",\"/_next/static/chunks/2ebdawz4oua0w.js\",\"/_next/static/chunks/0nyy9hkktrzez.js\",\"/_next/static/chunks/3x4dl28zjqml3.js\",\"/_next/static/chunks/2-65apvovc3fy.js\",\"/_next/static/chunks/3xgfz1-1bmo20.js\",\"/_next/static/chunks/1g382c2rezm78.js\",\"/_next/static/chunks/1ynrczjgmgn_y.js\"],\"default\"]\n53:I[65547,[\"/_next/static/chunks/0h2qsuyze9ds1.js\",\"/_next/static/chunks/0fg4cbhvxsw2e.js\",\"/_next/static/chunks/41y3u4iqh1sf9.js\",\"/_next/static/chunks/2ebdawz4oua0w.js\",\"/_next/static/chunks/0nyy9hkktrzez.js\",\"/_next/static/chunks/3x4dl28zjqml3.js\",\"/_next/static/chunks/2-65apvovc3fy.js\",\"/_next/static/chunks/3xgfz1-1bmo20.js\",\"/_next/static/chunks/1g382c2rezm78.js\",\"/_next/static/chunks/1ynrczjgmgn_y.js\"],\"default\"]\n54:I[1153,[\"/_next/static/chunks/0h2qsuyze9ds1.js\",\"/_next/static/chunks/0fg4cbhvxsw2e.js\",\"/_next/static/chunks/41y3u4iqh1sf9.js\",\"/_next/static/chunks/2ebdawz4oua0w.js\",\"/_next/static/chunks/0nyy9hkktrzez.js\",\"/_next/static/chunks/3x4dl28zjqml3.js\",\"/_next/static/chunks/2-65apvovc3fy.js\",\"/_next/static/chunks/3xgfz1-1bmo20.js\",\"/_next/static/chunks/1g382c2rezm78.js\",\"/_next/static/chunks/1ynrczjgmgn_y.js\"],\"default\"]\n55:I[21418,[\"/_next/static/chunks/0h2qsuyze9ds1.js\",\"/_next/static/chunks/0fg4cbhvxsw2e.js\",\"/_next/static/chunks/41y3u4iqh1sf9.js\",\"/_next/static/chunks/2ebdawz4oua0w.js\",\"/_next/static/chunks/0nyy9hkktrzez.js\",\"/_next/static/chunks/3x4dl28zjqml3.js\",\"/_next/static/chunks/2-65apvovc3fy.js\",\"/_next/static/chunks/3xgfz1-1bmo20.js\",\"/_next/static/chunks/1g382c2rezm78.js\",\"/_next/static/chunks/1ynrczjgmgn_y.js\"],\"default\"]\n43:[\"$\",\"$L29\",null,{\"ref\":\"$undefined\",\"iconNode\":[[\"path\",{\"d\":\"M8 2v4\",\"key\":\"1cmpym\"}],[\"path\",{\"d\":\"M16 2v4\",\"key\":\"4m81vk\"}],[\"rect\",{\"width\":\"18\",\"height\":\"18\",\"x\":\"3\",\"y\":\"4\",\"rx\":\"2\",\"key\":\"1hopcy\"}],[\"path\",{\"d\":\"M3 10h18\",\"key\":\"8toen8\"}],[\"path\",{\"d\":\"M8 14h.01\",\"key\":\"6423bh\"}],[\"path\",{\"d\":\"M12 14h.01\",\"key\":\"1etili\"}],[\"path\",{\"d\":\"M16 14h.01\",\"key\":\"1gbofw\"}],[\"path\",{\"d\":\"M8 18h.01\",\"key\":\"lrp35t\"}],[\"path\",{\"d\":\"M12 18h.01\",\"key\":\"mhygvu\"}],[\"path\",{\"d\":\"M16 18h.01\",\"key\":\"kzsmim\"}]],\"className\":\"lucide-calendar-days mb-4 h-10 w-10 text-green-dark\",\"strokeWidth\":1.5}]\n44:[\"$\",\"p\",null,{\"className\":\"font-display text-xl leading-tight text-green-dark\",\"children\":\"Term tailored to the project\"}]\n45:[\"$\",\"p\",null,{\"className\":\"text-sm font-normal mt-3 text-green-dark/75\",\"children\":\"We set the term according to the requirements of the promoter and the project.\"}]\n46:[\"$\",\"div\",\"Does not count towards CIRBE\",{\"className\":\"group h-full rounded-2xl border border-green-dark/10 bg-white p-6 transition-all duration-300 hover:-translate-y-1 hover:border-green-dark/40\",\"children\":[[\"$\",\"$L29\",null,{\"ref\":\"$undefined\",\"iconNode\":[[\"rect\",{\"width\":\"16\",\"height\":\"20\",\"x\":\"4\",\"y\":\"2\",\"rx\":\"2\",\"key\":\"1nb95v\"}],[\"line\",{\"x1\":\"8\",\"x2\":\"16\",\"y1\":\"6\",\"y2\":\"6\",\"key\":\"x4nwl0\"}],[\"line\",{\"x1\":\"16\",\"x2\":\"16\",\"y1\":\"14\",\"y2\":\"18\",\"key\":\"wjye3r\"}],[\"path\",{\"d\":\"M16 10h.01\",\"key\":\"1m94wz\"}],[\"path\",{\"d\":\"M12 10h.01\",\"key\":\"1nrarc\"}],[\"path\",{\"d\":\"M8 10h.01\",\"key\":\"19clt8\"}],[\"path\",{\"d\":\"M12 14h.01\",\"key\":\"1etili\"}],[\"path\",{\"d\":\"M8 14h.01\",\"key\":\"6423bh\"}],[\"path\",{\"d\":\"M12 18h.01\",\"key\":\"mhygvu\"}],[\"path\",{\"d\":\"M8 18h.01\",\"key\":\"lrp35t\"}]],\"className\":\"lucide-calculator mb-4 h-10 w-10 text-green-dark\",\"strokeWidth\":1.5}],[\"$\",\"p\",null,{\"className\":\"font-display text-xl leading-tight text-green-dark\",\"children\":\"Does not count towards CIRBE\"}],[\"$\",\"p\",null,{\"className\":\"text-sm font-normal mt-3 text-green-dark/75\",\"children\":\"As it is not registered in the Central Credit Register, it does not reduce your bank borrowing capacity.\"}]]}]\n47:[\"$\",\"div\",\"100% online\",{\"className\":\"group h-full rounded-2xl border border-green-dark/10 bg-white p-6 transition-all duration-300 hover:-translate-y-1 hover:border-green-dark/40\",\"children\":[[\"$\",\"$L29\",null,{\"ref\":\"$undefined\",\"iconNode\":[[\"path\",{\"d\":\"M6 22a2 2 0 0 1-2-2V4a2 2 0 0 1 2-2h8a2.4 2.4 0 0 1 1.704.706l3.588 3.588A2.4 2.4 0 0 1 20 8v12a2 2 0 0 1-2 2z\",\"key\":\"1oefj6\"}],[\"path\",{\"d\":\"M14 2v5a1 1 0 0 0 1 1h5\",\"key\":\"wfsgrz\"}],[\"path\",{\"d\":\"M10 9H8\",\"key\":\"b1mrlr\"}],[\"path\",{\"d\":\"M16 13H8\",\"key\":\"t4e002\"}],[\"path\",{\"d\":\"M16 17H8\",\"key\":\"z1uh3a\"}]],\"className\":\"lucide-file-text mb-4 h-10 w-10 text-green-dark\",\"strokeWidth\":1.5}],[\"$\",\"p\",null,{\"className\":\"font-display text-xl leading-tight text-green-dark\",\"children\":\"100% online\"}],[\"$\",\"p\",null,{\"className\":\"text-sm font-normal mt-3 text-green-dark/75\",\"children\":\"Fully digital management with access to our team at all times to accompany you throughout the process.\"}]]}]\n48:[\"$\",\"$L51\",null,{\"steps\":\"$14:props:messages:promotores:process:steps\",\"t
22itle\":\"How does it work? Step by step\",\"subtitle\":\"100% online process, agile and with no hidden costs.\",\"cta\":\"I want tailored financing\"}]\n49:[\"$\",\"$L52\",null,{}]\n4a:[\"$\",\"$L53\",null,{\"text\":\"«Finance your real estate project online, fast and with no hidden costs»\"}]\n4b:[\"$\",\"section\",null,{\"ref\":\"$undefined\",\"className\":\"bg-white py-16 md:py-24 lg:py-28\",\"children\":[\"$\",\"div\",null,{\"className\":\"container-cresor\",\"children\":[[\"$\",\"h2\",null,{\"className\":\"font-display text-4xl md:text-5xl lg:text-6xl text-green-dark\",\"children\":\"Funded projects\"}],[\"$\",\"div\",null,{\"className\":\"mt-14 grid gap-8 md:grid-cols-2 lg:grid-cols-3\",\"children\":[[\"$\",\"$L54\",\"9003\",{\"campaign\":{\"id\":9003,\"tituloCampaign\":\"Rosa dels Vents\",\"nombreEmpresa\":\"GRUPO ROIG\",\"widgetImageUrl\":\"https://stockcrowdin-private.s3.amazonaws.com/MigracionFAN_20250827/test/resources/sc/2022/091206/18e6826b-dee9-468c-8876-b117d84129fd.png\",\"urlImagenEmpresa\":\"https://stockcrowdin-public.s3.amazonaws.com/2025/072903Captura_de_pantalla_2025-07-29_a_las_15.07.36_1.png\",\"tipoCampaign\":\"408\",\"tipoCampaignDescription\":\"Préstamo fijo\",\"estado\":\"F\",\"objetivo\":4350000,\"recaudado\":4350000,\"restante\":0,\"aportacionMinima\":200000,\"interesAnual\":12,\"rtotal\":36,\"horizonte\":36,\"tirAnualEsperada\":12.53,\"totalParticipantes\":20,\"diasRestantes\":-1213,\"fechaInicio\":1686780000000,\"fechaFin\":1686780000000,\"proximaPublicacion\":false,\"ocultarPopupWeb\":false,\"ciudad\":\"Calonge - Barcelona\",\"tipoInmueble\":\"Residencial\",\"ratingGlobal\":\"B\",\"ratingPromotor\":\"C\",\"ratingPromocion\":\"A\",\"existeAvalista\":true,\"ocultarRentabilidad\":false,\"interesDemora\":15,\"frecuenciaDevolucion\":\"Trimestral\",\"tipoAmortizacion\":\"A vencimiento\",\"situacion\":\"Pagado\",\"fechaVencimientoInicial\":null,\"fchRegistroUltimaSolicitudConfirmada\":1686820708000},\"privacyHref\":\"/web-api/documentos/WEB-PP\"}],[\"$\",\"$L54\",\"9687\",{\"campaign\":{\"id\":9687,\"tituloCampaign\":\"Avenida 307 nº 8. \",\"nombreEmpresa\":\"Groinversia\",\"widgetImageUrl\":\"https://stockcrowdin-public.s3.amazonaws.com/2026/061712/Avenida_307_n_8_SCIN_1_1_1_1.png\",\"urlImagenEmpresa\":\"https://stockcrowdin-public.s3.amazonaws.com/MigracionFAN_20250923/test/resources/sc/2025/031409/Captura_de_pantalla_2025-03-14_a_las_9.13.03_1_1.png\",\"tipoCampaign\":\"408\",\"tipoCampaignDescription\":\"Préstamo fijo\",\"estado\":\"F\",\"objetivo\":2200000,\"recaudado\":2200000,\"restante\":0,\"aportacionMinima\":500,\"interesAnual\":10,\"rtotal\":15,\"horizonte\":18,\"tirAnualEsperada\":10.35,\"totalParticipantes\":360,\"diasRestantes\":-101,\"fechaInicio\":1782730800000,\"fechaFin\":1782817200000,\"proximaPublicacion\":false,\"ocultarPopupWeb\":true,\"ciudad\":\"Castelldefels\",\"tipoInmueble\":\"Residencial\",\"ratingGlobal\":\"A\",\"ratingPromotor\":\"C\",\"ratingPromocion\":\"AAA\",\"existeAvalista\":true,\"ocultarRentabilidad\":false,\"interesDemora\":13,\"frecuenciaDevolucion\":\"Trimestral\",\"tipoAmortizacion\":\"A vencimiento\",\"situacion\":\"En Plazo\",\"fechaVencimientoInicial\":null,\"fchRegistroUltimaSolicitudConfirmada\":1782899096000},\"privacyHref\":\"/web-api/documentos/WEB-PP\"}],[\"$\",\"$L54\",\"9663\",{\"campaign\":{\"id\":9663,\"tituloCampaign\":\"Rubió i Ors 264-266\",\"nombreEmpresa\":\"VIVIM\",\"widgetImageUrl\":\"https://stockcrowdin-public.s3.amazonaws.com/2026/030401/Captura_de_pantalla_2026-02-13_a_las_13.43.28_1_1_1_1.png\",\"urlImagenEmpresa\":\"https://stockcrowdin-private.s3.amazonaws.com/MigracionFAN_20250827/test/resources/sc/2022/010505/8f9c97b0-66ea-4f63-9494-96684820184d.png\",\"tipoCampaign\":\"408\",\"tipoCampaignDescription\":\"Préstamo fijo\",\"estado\":\"F\",\"objetivo\":900000,\"recaudado\":900000,\"restante\":0,\"aportacionMinima\":40000,\"interesAnual\":12,\"rtotal\":24,\"horizonte\":24,\"tirAnualEsperada\":12.53,\"totalParticipantes\":16,\"diasRestantes\":-228,\"fechaInicio\":1771857000000,\"fechaFin\":1771857000000,\"proximaPublicacion\":false,\"ocultarPopupWeb\":false,\"ciudad\":\"Cornellà de Llobregat, Barcelona\",\"tipoInmueble\":\"Residencial\",\"ratingGlobal\":\"B\",\"ratingPromotor\":\"B\",\"ratingPromocion\":\"A\",\"existeAvalista\":true,\"ocultarRentabilidad\":false,\"interesDemora\":15,\"frecuenciaDevolucion\":\"Trimestral\",\"tipoAmortizacion\":\"A vencimiento\",\"situacion\":\"En Plazo\",\"fechaVencimientoInicial\":null,\"fchRegistroUltimaSolicitudConfirmada\":1771856386000},\"privacyHref\":\"/web-api/documentos/WEB-PP\"}]]}],[\"$\",\"div\",null,{\"className\":\"mt-14 flex justify-center\",\"children\":[\"$\",\"$L22\",null,{\"href\":\"/oportunidades\",\"variant\":\"secondary\",\"size\":\"lg\",\"children\":\"View all opportunities\"}]}]]}]}]\n4d:[\"$\",\"div\",null,{\"children\":[[\"$\",\"h2\",null,{\"className\":\"font-display text-4xl md:text-5xl lg:text-6xl text-green-dark\",\"children\":\"Finance your project\"}],[\"$\",\"p\",null,{\"className\":\"text-base leading-relaxed text-green-dark/85 font-normal mt-4\",\"children\":\"We are the crowdlending platform that connects your real estate projects with our investor community. Access your developer loan 
22in an agile, 100% online way.\"}],[\"$\",\"p\",null,{\"className\":\"text-base leading-relaxed text-green-dark/85 font-normal mt-4\",\"children\":\"Crowdfunding Service Provider (ECSPR) authorised by the CNMV, No. 19.\"}],[\"$\",\"ul\",null,{\"className\":\"mt-8 space-y-3\",\"children\":[[\"$\",\"li\",\"0\",{\"className\":\"flex items-start gap-3\",\"children\":[[\"$\",\"span\",null,{\"className\":\"mt-0.5 inline-flex h-6 w-6 shrink-0 items-center justify-center rounded-full bg-yellow\",\"children\":[\"$\",\"$L29\",null,{\"ref\":\"$undefined\",\"iconNode\":[[\"path\",{\"d\":\"M20 6 9 17l-5-5\",\"key\":\"1gmf2c\"}]],\"className\":\"lucide-check h-4 w-4 text-green-dark\",\"strokeWidth\":2.5}]}],[\"$\",\"p\",null,{\"className\":\"text-base text-green-dark/85 font-normal leading-relaxed\",\"children\":\"We finance your project in phases\"}]]}],[\"$\",\"li\",\"1\",{\"className\":\"flex items-start gap-3\",\"children\":[[\"$\",\"span\",null,{\"className\":\"mt-0.5 inline-flex h-6 w-6 shrink-0 items-center justify-center rounded-full bg-yellow\",\"children\":[\"$\",\"$L29\",null,{\"ref\":\"$undefined\",\"iconNode\":\"$4d:props:children:3:props:children:0:props:children:0:props:children:props:iconNode\",\"className\":\"lucide-check h-4 w-4 text-green-dark\",\"strokeWidth\":2.5}]}],[\"$\",\"p\",null,{\"className\":\"text-base text-green-dark/85 font-normal leading-relaxed\",\"children\":\"You optimise financial costs\"}]]}],[\"$\",\"li\",\"2\",{\"className\":\"flex items-start gap-3\",\"children\":[[\"$\",\"span\",null,{\"className\":\"mt-0.5 inline-flex h-6 w-6 shrink-0 items-center justify-center rounded-full bg-yellow\",\"children\":[\"$\",\"$L29\",null,{\"ref\":\"$undefined\",\"iconNode\":\"$4d:props:children:3:props:children:0:props:children:0:props:children:props:iconNode\",\"className\":\"lucide-check h-4 w-4 text-green-dark\",\"strokeWidth\":2.5}]}],[\"$\",\"p\",null,{\"className\":\"text-base text-green-dark/85 font-normal leading-relaxed\",\"children\":\"Less stringent pre-sale % requirements\"}]]}],[\"$\",\"li\",\"3\",{\"className\":\"flex items-start gap-3\",\"children\":[[\"$\",\"span\",null,{\"className\":\"mt-0.5 inline-flex h-6 w-6 shrink-0 items-center justify-center rounded-full bg-yellow\",\"children\":[\"$\",\"$L29\",null,{\"ref\":\"$undefined\",\"iconNode\":\"$4d:props:children:3:props:children:0:props:children:0:props:children:props:iconNode\",\"className\":\"lucide-check h-4 w-4 text-green-dark\",\"strokeWidth\":2.5}]}],[\"$\",\"p\",null,{\"className\":\"text-base text-green-dark/85 font-normal leading-relaxed\",\"children\":\"Personalised support, agile process and 100% online\"}]]}]]}]]}]\n4e:[\"$\",\"div\",null,{\"children\":[[\"$\",\"h2\",null,{\"className\":\"font-display text-4xl md:text-5xl lg:text-6xl text-green-dark\",\"children\":\"Finance your business\"}],[\"$\",\"p\",null,{\"className\":\"text-base leading-relaxed text-green-dark/85 font-normal mt-4\",\"children\":\"We are the crowdlending platform that connects businesses with our investor community.\"}],[\"$\",\"p\",null,{\"className\":\"text-base leading-relaxed text-green-dark/85 font-normal mt-4\",\"children\":\"Crowdfunding Service Provider (ECSPR) authorised by the CNMV, No. 19.\"}],[\"$\",\"ul\",null,{\"className\":\"mt-8 space-y-3\",\"children\":[[\"$\",\"li\",\"0\",{\"className\":\"flex items-start gap-3\",\"children\":[[\"$\",\"span\",null,{\"className\":\"mt-0.5 inline-flex h-6 w-6 shrink-0 items-center justify-center rounded-full bg-yellow\",\"children\":[\"$\",\"$L29\",null,{\"ref\":\"$undefined\",\"iconNode\":\"$4d:props:children:3:props:children:0:props:children:0:props:children:props:iconNode\",\"className\":\"lucide-check h-4 w-4 text-green-dark\",\"strokeWidth\":2.5}]}],[\"$\",\"p\",null,{\"className\":\"text-base text-green-dark/85 font-normal leading-relaxed\",\"children\":\"Fixed-rate loans\"}]]}],[\"$\",\"li\",\"1\",{\"className\":\"flex items-start gap-3\",\"children\":[[\"$\",\"span\",null,{\"className\":\"mt-0.5 inline-flex h-6 w-6 shrink-0 items-center justify-center rounded-full bg-yellow\",\"children\":[\"$\",\"$L29\",null,{\"ref\":\"$undefined\",\"iconNode\":\"$4d:props:children:3:props:children:0:props:children:0:props:children:props:iconNode\",\"className\":\"lucide-check h-4 w-4 text-green-dark\",\"strokeWidth\":2.5}]}],[\"$\",\"p\",null,{\"className\":\"text-base text-green-dark/85 font-normal leading-relaxed\",\"children\":\"Agile financing, 100% online\"}]]}],[\"$\",\"li\",\"2\",{\"className\":\"flex items-start gap-3\",\"children\":[[\"$\",\"span\",null,{\"className\":\"mt-0.5 inline-flex h-6 w-6 shrink-0 items-center justify-center rounded-full bg-yellow\",\"children\":[\"$\",\"$L29\",null,{\"ref\":\"$undefined\",\"iconNode\":\"$4d:props:children:3:props:children:0:props:children:0:props:children:props:iconNode\",\"className\":\"lucide-check h-4 w-4 text-green-dark\",\"strokeWidth\":2.5}]}],[\"$\",\"p\",null,{\"className\":\"text-base text-green-dark/85 font-normal leading-relaxed\",\"children\":\"No additional products required\"}]]}]]}]]}]\n4f:[\"$\",\"$L55\",null,{\"title\":\"Frequently asked questions\",\"items\":\"$14:props:messages:promotores:faq:items\",\"viewMoreLabel\":\"View more FAQs\"}]\n50:[\"$\",\"$L55\",null,{\"title\":\"Frequently asked questions\",\"items\":\"$14:props:messages:promotores:faqEmpresas:items\",\"numberedLists\":true,\"viewMoreLabel\":\"View more FAQs\"}]\n"])</script>
22<div hidden id="S:1"><section class="bg-green-dark text-white pt-32 pb-16 md:pt-40 md:pb-20"><div class="container-cresor"><div class="mb-10 flex flex-wrap items-center justify-between gap-4"><div class="inline-flex rounded-full border border-white/20 bg-white/5 p-1"><button type="button" class="rounded-full px-5 py-2 text-sm transition-colors bg-yellow text-green-dark" aria-pressed="true">Real estate</button><button type="button" class="rounded-full px-5 py-2 text-sm transition-colors text-white/80 hover:text-white" aria-pressed="false">Business</button></div><span class="inline-flex items-center gap-2 rounded-full bg-[#FFF8E1] px-4 py-2 text-xs font-medium text-green-dark md:px-5 md:py-2.5 md:text-sm"><svg xmlns="http://www.w3.org/2000/svg" width="20" height="20" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="1.5" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-shield-check shrink-0 text-green-dark/80" aria-hidden="true"><path d="M20 13c0 5-3.5 7.5-7.66 8.95a1 1 0 0 1-.67-.01C7.5 20.5 4 18 4 13V6a1 1 0 0 1 1-1c2 0 4.5-1.2 6.24-2.72a1.17 1.17 0 0 1 1.52 0C14.51 3.81 17 5 19 5a1 1 0 0 1 1 1z"></path><path d="m9 12 2 2 4-4"></path></svg>Crowdfunding Service Provider authorised by the CNMV No. 19</span></div><h1 class="font-display text-5xl md:text-6xl lg:text-7xl text-white mt-6 max-w-4xl leading-tight">Finance your real estate project</h1><p class="text-lg leading-relaxed text-white/85 font-normal mt-6 max-w-3xl">We finance your real estate project through our investor community.</p><p class="text-lg leading-relaxed text-white/85 font-bold mt-6 max-w-3xl">100% online   ·   Agile   ·   No hidden costs</p><a class="inline-flex items-center justify-center gap-2 rounded-full text-center font-body transition-all duration-300 focus-visible:outline-2 focus-visible:outline-offset-2 focus-visible:outline-yellow disabled:pointer-events-none disabled:opacity-60 bg-yellow text-black hover:bg-yellow-soft hover:-translate-y-0.5 px-8 py-3 text-base mt-10" href="/en/promotores#solicitar">Request financing</a></div></section><div class="block"><section class="bg-cream py-16 md:py-24 lg:py-28"><div class="container-cresor"><div class="grid gap-10 md:grid-cols-3"><div class="text-center"><p class="font-display text-5xl md:text-6xl text-green-dark"><span>0</span></p><p class="text-sm text-green-dark/85 font-normal mt-3">promoters have been financed with us</p></div><div class="text-center"><p class="font-display text-5xl md:text-6xl text-green-dark"><span>0</span></p><p class="text-sm text-green-dark/85 font-normal mt-3">real estate projects financed</p></div><div class="text-center"><p class="font-display text-5xl md:text-6xl text-green-dark"><span>0</span></p><p class="text-sm text-green-dark/85 font-normal mt-3">homes we have helped build</p></div></div></div></section><section class="bg-white py-16 md:py-24 lg:py-28"><div class="container-cresor"><h2 class="font-display text-4xl md:text-5xl lg:text-6xl text-green-dark">What does real estate project financing with Cresor involve?</h2><p class="text-base leading-relaxed text-green-dark/85 font-normal mt-6">We finance your real estate project through our investor community, quickly and 100% online. We cover new-build, refurbishment, flipping or change-of-use projects, among others, with a fixed-rate loan.</p><p class="text-base leading-relaxed text-green-dark/85 font-normal mt-4">At Cresor we can activate capital in phases, in line with construction progress, technical certifications or the volume of pre-sales achieved. Your project sets the pace: we accompany you from asset acquisition through to the execution and commercialisation of the development.</p><a class="inline-flex items-center justify-center gap-2 rounded-full text-center font-body transition-all duration-300 focus-visible:outline-2 focus-visible:outline-offset-2 focus-visible:outline-yellow disabled:pointer-events-none disabled:opacity-60 bg-yellow text-black hover:bg-yellow-soft hover:-translate-y-0.5 px-8 py-3 text-base mt-8" href="/en/promotores#solicitar">Request financing</a></div></section><section class="bg-white py-16 md:py-24 lg:py-28"><div class="container-cresor"><h2 class="font-display text-4xl md:text-5xl lg:text-6xl text-green-dark">Characteristics of our developer loan</h2><div class="mt-8 py-8"><div class="relative"><button type="button" aria-label="Previous" class="absolute left-2 top-1/2 z-20 -translate-y-1/2 flex h-10 w-10 items-center justify-center rounded-full border border-green-dark/10 bg-white/90 text-green-dark shadow-sm backdrop-blur-sm transition-all hover:bg-white hover:shadow-md"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-chevron-left h-5 w-5" aria-hidden="true"><path d="m15 18-6-6 6-6"></path></svg></button><button type="button" aria-label="Next" class="absolute right-2 top-1/2 z-20 -translate-y-1/2 flex h-10 w-10 items-center justify-center rounded-full border border-green-dark/10 bg-white/90 text-green-dark shadow-sm backdrop-blur-sm transition-all hover:bg-white hover:shadow-md"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-chevron-right h-5 w-5" aria-hidden="true"><path d="m9 18 6-6-6-6"></path></svg></button><div class="relative w-full overflow-hidden select-none" style="perspective:1200px;cursor:grab"><div class="relative flex will-change-transform" style="gap:24px;transform-style:preserve-3d;height:100%"><div class="shrink-0 will-change-transform" style="width:320px;transform-style:preserve-3d"><div class="group h-full rounded-2xl border border-green-dark/10 bg-white p-6 transition-all duration-300 hover:-translate-y-1 hover:border-green-dark/40"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="1.5" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-euro mb-4 h-10 w-10 text-green-dark" aria-hidden="true"><path d="M4 10h12"></path><path d="M4 14h9"></path><path d="M19 6a7.7 7.7 0 0 0-5.2-2A7.9 7.9 0 0 0 6 12c0 4.4 3.5 8 7.8 8 2 0 3.8-.8 5.2-2"></path></svg><p class="font-display text-xl leading-tight text-green-dark">
22Up to €5,000,000</p><p class="text-sm font-normal mt-3 text-green-dark/75">We finance in different phases according to project needs.</p></div></div><div class="shrink-0 will-change-transform" style="width:320px;transform-style:preserve-3d"><div class="group h-full rounded-2xl border border-green-dark/10 bg-white p-6 transition-all duration-300 hover:-translate-y-1 hover:border-green-dark/40"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="1.5" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-calendar-days mb-4 h-10 w-10 text-green-dark" aria-hidden="true"><path d="M8 2v4"></path><path d="M16 2v4"></path><rect width="18" height="18" x="3" y="4" rx="2"></rect><path d="M3 10h18"></path><path d="M8 14h.01"></path><path d="M12 14h.01"></path><path d="M16 14h.01"></path><path d="M8 18h.01"></path><path d="M12 18h.01"></path><path d="M16 18h.01"></path></svg><p class="font-display text-xl leading-tight text-green-dark">Term tailored to the project</p><p class="text-sm font-normal mt-3 text-green-dark/75">We set the term according to the requirements of the promoter and the project.</p></div></div><div class="shrink-0 will-change-transform" style="width:320px;transform-style:preserve-3d"><div class="group h-full rounded-2xl border border-green-dark/10 bg-white p-6 transition-all duration-300 hover:-translate-y-1 hover:border-green-dark/40"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="1.5" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-calculator mb-4 h-10 w-10 text-green-dark" aria-hidden="true"><rect width="16" height="20" x="4" y="2" rx="2"></rect><line x1="8" x2="16" y1="6" y2="6"></line><line x1="16" x2="16" y1="14" y2="18"></line><path d="M16 10h.01"></path><path d="M12 10h.01"></path><path d="M8 10h.01"></path><path d="M12 14h.01"></path><path d="M8 14h.01"></path><path d="M12 18h.01"></path><path d="M8 18h.01"></path></svg><p class="font-display text-xl leading-tight text-green-dark">Does not count towards CIRBE</p><p class="text-sm font-normal mt-3 text-green-dark/75">As it is not registered in the Central Credit Register, it does not reduce your bank borrowing capacity.</p></div></div><div class="shrink-0 will-change-transform" style="width:320px;transform-style:preserve-3d"><div class="group h-full rounded-2xl border border-green-dark/10 bg-white p-6 transition-all duration-300 hover:-translate-y-1 hover:border-green-dark/40"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="1.5" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-file-text mb-4 h-10 w-10 text-green-dark" aria-hidden="true"><path d="M6 22a2 2 0 0 1-2-2V4a2 2 0 0 1 2-2h8a2.4 2.4 0 0 1 1.704.706l3.588 3.588A2.4 2.4 0 0 1 20 8v12a2 2 0 0 1-2 2z"></path><path d="M14 2v5a1 1 0 0 0 1 1h5"></path><path d="M10 9H8"></path><path d="M16 13H8"></path><path d="M16 17H8"></path></svg><p class="font-display text-xl leading-tight text-green-dark">100% online</p><p class="text-sm font-normal mt-3 text-green-dark/75">Fully digital management with access to our team at all times to accompany you throughout the process.</p></div></div><div class="shrink-0 will-change-transform" style="width:320px;transform-style:preserve-3d"><div class="group h-full rounded-2xl border border-green-dark/10 bg-white p-6 transition-all duration-300 hover:-translate-y-1 hover:border-green-dark/40"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="1.5" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-euro mb-4 h-10 w-10 text-green-dark" aria-hidden="true"><path d="M4 10h12"></path><path d="M4 14h9"></path><path d="M19 6a7.7 7.7 0 0 0-5.2-2A7.9 7.9 0 0 0 6 12c0 4.4 3.5 8 7.8 8 2 0 3.8-.8 5.2-2"></path></svg><p class="font-display text-xl leading-tight text-green-dark">Up to €5,000,000</p><p class="text-sm font-normal mt-3 text-green-dark/75">We finance in different phases according to project needs.</p></div></div><div class="shrink-0 will-change-transform" style="width:320px;transform-style:preserve-3d"><div class="group h-full rounded-2xl border border-green-dark/10 bg-white p-6 transition-all duration-300 hover:-translate-y-1 hover:border-green-dark/40"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="1.5" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-calendar-days mb-4 h-10 w-10 text-green-dark" aria-hidden="true"><path d="M8 2v4"></path><path d="M16 2v4"></path><rect width="18" height="18" x="3" y="4" rx="2"></rect><path d="M3 10h18"></path><path d="M8 14h.01"></path><path d="M12 14h.01"></path><path d="M16 14h.01"></path><path d="M8 18h.01"></path><path d="M12 18h.01"></path><path d="M16 18h.01"></path></svg><p class="font-display text-xl leading-tight text-green-dark">Term tailored to the project</p><p class="text-sm font-normal mt-3 text-green-dark/75">We set the term according to the requirements of the promoter and the project.</p></div></div><div class="shrink-0 will-change-transform" style="width:320px;transform-style:preserve-3d"><div class="group h-full rounded-2xl border border-green-dark/10 bg-white p-6 transition-all duration-300 hover:-translate-y-1 hover:border-green-dark/40"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="1.5" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-calculator mb-4 h-10 w-10 text-green-dark" aria-hidden="true"><rect width="16" height="20" x="4" y="2" rx="2"></rect><line x1="8" x2="16" y1="6" y2="6"></line><line x1="16" x2="16" y1="14" y2="18"></line><path d="M16 10h.01"></path><path d="M12 10h.01"></path><path d="M8 10h.01"></path><path d="M12 14h.01"></path><path d="M8 14h.01"></path><path d="M12 18h.01"></path><path d="M8 18h.01"></path></svg><p class="font-display text-xl leading-tight text-green-dark">Does not count towards CIRBE</p><p class="text-sm font-normal mt-3 text-green-dark/75">As it is not registered in the Central Credit Register, it does not reduce your bank borrowing capacity.</p></div></div><div class="shrink-0 will-change-transform" style="width:320px;transform-style:preserve-3d"><div class="group h-full rounded-2xl border border-green-dark/10 bg-white p-6 transition-all duration-300 hover:-translate-y-1 hover:border-green-dark/40"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="1.5" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-file-text mb-4 h-10 w-10 text-green-dark" aria-hidden="true"><path d="M6 22a2 2 0 0 1-2-2V4a2 2 0 0 1 2-2h8a2.4 2.4 0 0 1 1.704.706l3.588 3.588A2.4 2.4 0 0 1 20 8v12a2 2 0 0 1-2 2z"></path><path d="M14 2v5a1 1 0 0 0 1 1h5"></path><path d="M10 9H8"></path><path d="M16 13H8"></path><path d="M16 17H8"></path></svg><p class="font-display text-xl leading-tight text-green-dark">100% online</p><p class="text-sm font-normal mt-3 text-green-dark/75">Fully digital management with access to our team at all times to accompany you throughout the process.</p></div></div></div></div></div></div></div></section><section class="bg-cream py-16 md:py-24 lg:py-28"><div class="container-cresor"><h2 class="font-display text-4xl md:text-5xl lg:text-6xl text-green-dark">How does it work? Step by step</h2><p class="text-base leading-relaxed text-green-dark/85 font-normal mt-3">100% online process, agile and with no hidden costs.</p><div class="relative mt-14 hidden md:block" aria-hidden="true"><div class="relative mx-auto" style="padding-left:12.5%;padding-right:12.5%"><div class="absolute top-1/2 h-[2px] -translate-y-1/2 bg-green-dark/15" style="left:12.5%;right:12.5%"></div><div class="absolute top-1/2 h-[2px] -translate-y-1/2 bg-yellow transition-[width] duration-300 ease-out" style="left:12.5%;width:calc((100% - 25%) * 0)"></div><div class="relative flex items-center justify-between"><div class="relative z-10 flex h-12 w-12 items-center justify-center rounded-full border font-display text-lg transition-colors duration-300 border-yellow bg-yellow text-green-dark">01</div><div class="relative z-10 flex h-12 w-12 items-center justify-center rounded-full border font-display text-lg transition-colors duration-300 border-green-dark/20 bg-white text-green-dark/60">02</div><div class="relative z-10 flex h-12 w-12 items-center justify-center rounded-full border font-display text-lg transition-colors duration-300 border-green-dark/20 bg-white text-green-dark/60">03</div><div class="relative z-10 flex h-12 w-12 items-center justify-center rounded-full border font-display text-lg transition-colors duration-300 border-green-dark/20 bg-white text-green-dark/60">04</div></div></div></div><div class="mt-10 grid gap-6 md:grid-cols-2 lg:grid-cols-4"><div class="rounded-2xl bg-white p-7 transition-all duration-500 ease-out will-change-[op
22acity,transform] translate-y-6 opacity-0"><p class="font-display md:text-6xl text-3xl text-yellow md:hidden">01</p><h3 class="font-display text-xl leading-tight text-green-dark mt-3 md:mt-0">Financing request</h3><ul class="mt-4 space-y-2"><li class="flex gap-2"><span class="text-yellow">•</span><span class="text-sm font-normal text-green-dark/80">Initial contact with the commercial team.</span></li><li class="flex gap-2"><span class="text-yellow">•</span><span class="text-sm font-normal text-green-dark/80">Verification of minimum project requirements.</span></li><li class="flex gap-2"><span class="text-yellow">•</span><span class="text-sm font-normal text-green-dark/80">Project presentation.</span></li></ul></div><div class="rounded-2xl bg-white p-7 transition-all duration-500 ease-out will-change-[opacity,transform] translate-y-6 opacity-0"><p class="font-display md:text-6xl text-3xl text-yellow md:hidden">02</p><h3 class="font-display text-xl leading-tight text-green-dark mt-3 md:mt-0">Analysis and decision</h3><ul class="mt-4 space-y-2"><li class="flex gap-2"><span class="text-yellow">•</span><span class="text-sm font-normal text-green-dark/80">Study of the project and the promoter.</span></li><li class="flex gap-2"><span class="text-yellow">•</span><span class="text-sm font-normal text-green-dark/80">Committee evaluation.</span></li><li class="flex gap-2"><span class="text-yellow">•</span><span class="text-sm font-normal text-green-dark/80">Communication of the decision.</span></li></ul></div><div class="rounded-2xl bg-white p-7 transition-all duration-500 ease-out will-change-[opacity,transform] translate-y-6 opacity-0"><p class="font-display md:text-6xl text-3xl text-yellow md:hidden">03</p><h3 class="font-display text-xl leading-tight text-green-dark mt-3 md:mt-0">Publication</h3><ul class="mt-4 space-y-2"><li class="flex gap-2"><span class="text-yellow">•</span><span class="text-sm font-normal text-green-dark/80">Campaign launch.</span></li><li class="flex gap-2"><span class="text-yellow">•</span><span class="text-sm font-normal text-green-dark/80">Project financing.</span></li></ul></div><div class="rounded-2xl bg-white p-7 transition-all duration-500 ease-out will-change-[opacity,transform] translate-y-6 opacity-0"><p class="font-display md:text-6xl text-3xl text-yellow md:hidden">04</p><h3 class="font-display text-xl leading-tight text-green-dark mt-3 md:mt-0">Formalisation</h3><ul class="mt-4 space-y-2"><li class="flex gap-2"><span class="text-yellow">•</span><span class="text-sm font-normal text-green-dark/80">Contract signing.</span></li><li class="flex gap-2"><span class="text-yellow">•</span><span class="text-sm font-normal text-green-dark/80">Disbursement of funds.</span></li><li class="flex gap-2"><span class="text-yellow">•</span><span class="text-sm font-normal text-green-dark/80">Project monitoring.</span></li></ul></div></div><div class="mt-12 text-center transition-all duration-500 ease-out will-change-[opacity,transform] translate-y-6 opacity-0"><a class="inline-flex items-center justify-center gap-2 rounded-full text-center font-body transition-all duration-300 focus-visible:outline-2 focus-visible:outline-offset-2 focus-visible:outline-yellow disabled:pointer-events-none disabled:opacity-60 bg-yellow text-black hover:bg-yellow-soft hover:-translate-y-0.5 px-8 py-3 text-base" href="/en/promotores#solicitar">I want tailored financing</a></div></div></section><section class="bg-green-dark text-white relative hidden md:block" style="height:420vh"><div class="sticky top-0 flex h-screen items-center overflow-hidden"><div class="mx-auto grid w-full max-w-[110rem] grid-cols-[1.15fr_0.85fr] items-center gap-12 px-8 lg:gap-20 lg:px-16"><div class="relative h-[74vh] overflow-hidden rounded-[2rem] bg-black/30 ring-1 ring-white/10"><div aria-hidden="true" class="absolute inset-0 bg-cover bg-center transition-opacity duration-700 opacity-100" style="background-image:url(&#x27;/assets/promotores/frames/frame-001.webp&#x27;)"></div><canvas class="relative h-full w-full"></canvas></div><div><h2 class="font-display text-4xl md:text-5xl lg:text-6xl text-white max-w-xl">Types of projects we finance</h2><div class="relative mt-10 h-[29rem] overflow-hidden"><div class="transition-transform duration-700 ease-out will-change-transform" style="transform:translateY(calc(0 * -22rem))"><div class="mb-8 flex h-[20rem] flex-col justify-center overflow-hidden rounded-3xl bg-white/[0.06] p-8 ring-1 ring-white/10 transition-all duration-500 lg:p-10 opacity-100"><span class="font-display text-5xl md:text-6xl text-yellow">01</span>
22<h3 class="font-display text-2xl leading-snug lg:text-3xl text-white mt-4">Asset acquisition</h3><p class="text-base leading-relaxed text-white/85 font-normal mt-4 lg:text-lg">We finance the purchase of land or property so you can secure the transaction from day one, without tying up your treasury.</p></div><div class="mb-8 flex h-[20rem] flex-col justify-center overflow-hidden rounded-3xl bg-white/[0.06] p-8 ring-1 ring-white/10 transition-all duration-500 lg:p-10 opacity-40"><span class="font-display text-5xl md:text-6xl text-yellow">02</span><h3 class="font-display text-2xl leading-snug lg:text-3xl text-white mt-4">Financing of costs required for construction</h3><p class="text-base leading-relaxed text-white/85 font-normal mt-4 lg:text-lg">We cover construction costs by phases, releasing capital as the works and their technical certifications progress.</p></div><div class="mb-8 flex h-[20rem] flex-col justify-center overflow-hidden rounded-3xl bg-white/[0.06] p-8 ring-1 ring-white/10 transition-all duration-500 lg:p-10 opacity-40"><span class="font-display text-5xl md:text-6xl text-yellow">03</span><h3 class="font-display text-2xl leading-snug lg:text-3xl text-white mt-4">Bridge loan until bank financing is formalised</h3><p class="text-base leading-relaxed text-white/85 font-normal mt-4 lg:text-lg">We provide immediate liquidity while bank financing is being formalised, so the project is not held up by bank timelines.</p></div><div class="mb-8 flex h-[20rem] flex-col justify-center overflow-hidden rounded-3xl bg-white/[0.06] p-8 ring-1 ring-white/10 transition-all duration-500 lg:p-10 opacity-40"><span class="font-display text-5xl md:text-6xl text-yellow">04</span><h3 class="font-display text-2xl leading-snug lg:text-3xl text-white mt-4">Complement to bank financing</h3><p class="text-base leading-relaxed text-white/85 font-normal mt-4 lg:text-lg">We cover what the bank does not, with less stringent pre-sale percentage requirements and adapted to your transaction structure.</p></div></div><div class="pointer-events-none absolute inset-x-0 bottom-0 h-14 bg-gradient-to-t from-green-dark to-transparent"></div></div><div class="mt-10"><a class="inline-flex items-center justify-center gap-2 rounded-full text-center font-body transition-all duration-300 focus-visible:outline-2 focus-visible:outline-offset-2 focus-visible:outline-yellow disabled:pointer-events-none disabled:opacity-60 bg-yellow text-black hover:bg-yellow-soft hover:-translate-y-0.5 px-12 py-4 text-base" href="/en/promotores#solicitar">I want to finance my project</a></div></div></div></div></section><section class="bg-green-dark text-white py-16 md:py-24 lg:py-28 md:hidden"><div class="container-cresor"><h2 class="font-display text-4xl md:text-5xl lg:text-6xl text-white">Types of projects we finance</h2><div class="mt-12 space-y-12"><div class="grid items-center gap-6 sm:grid-cols-2"><div class="relative aspect-video overflow-hidden rounded-3xl ring-1 ring-white/10"><img alt="" loading="lazy" decoding="async" data-nimg="fill" class="object-cover" style="position:absolute;height:100%;width:100%;left:0;top:0;right:0;bottom:0;color:transparent" src="/assets/promotores/frames/frame-025.webp"/></div><div><span class="font-display md:text-6xl text-4xl text-yellow">01</span><h3 class="font-display text-xl text-white mt-2 leading-snug">Asset acquisition</h3><p class="text-base leading-relaxed text-white/75 font-normal mt-3">We finance the purchase of land or property so you can secure the transaction from day one, without tying up your treasury.</p></div></div><div class="grid items-center gap-6 sm:grid-cols-2"><div class="relative aspect-video overflow-hidden rounded-3xl ring-1 ring-white/10"><img alt="" loading="lazy" decoding="async" data-nimg="fill" class="object-cover" style="position:absolute;height:100%;width:100%;left:0;top:0;right:0;bottom:0;color:transparent" src="/assets/promotores/frames/frame-050.webp"/></div><div><span class="font-display md:text-6xl text-4xl text-yellow">02</span><h3 class="font-display text-xl text-white mt-2 leading-snug">Financing of costs required for construction</h3><p class="text-base leading-relaxed text-white/75 font-normal mt-3">We cover construction costs by phases, releasing capital as the works and their technical certifications progress.</p></div></div><div class="grid items-center gap-6 sm:grid-cols-2">
22<div class="relative aspect-video overflow-hidden rounded-3xl ring-1 ring-white/10"><img alt="" loading="lazy" decoding="async" data-nimg="fill" class="object-cover" style="position:absolute;height:100%;width:100%;left:0;top:0;right:0;bottom:0;color:transparent" src="/assets/promotores/frames/frame-075.webp"/></div><div><span class="font-display md:text-6xl text-4xl text-yellow">03</span><h3 class="font-display text-xl text-white mt-2 leading-snug">Bridge loan until bank financing is formalised</h3><p class="text-base leading-relaxed text-white/75 font-normal mt-3">We provide immediate liquidity while bank financing is being formalised, so the project is not held up by bank timelines.</p></div></div><div class="grid items-center gap-6 sm:grid-cols-2"><div class="relative aspect-video overflow-hidden rounded-3xl ring-1 ring-white/10"><img alt="" loading="lazy" decoding="async" data-nimg="fill" class="object-cover" style="position:absolute;height:100%;width:100%;left:0;top:0;right:0;bottom:0;color:transparent" src="/assets/promotores/frames/frame-100.webp"/></div><div><span class="font-display md:text-6xl text-4xl text-yellow">04</span><h3 class="font-display text-xl text-white mt-2 leading-snug">Complement to bank financing</h3><p class="text-base leading-relaxed text-white/75 font-normal mt-3">We cover what the bank does not, with less stringent pre-sale percentage requirements and adapted to your transaction structure.</p></div></div></div><div class="mt-12 text-center"><a class="inline-flex items-center justify-center gap-2 rounded-full text-center font-body transition-all duration-300 focus-visible:outline-2 focus-visible:outline-offset-2 focus-visible:outline-yellow disabled:pointer-events-none disabled:opacity-60 bg-yellow text-black hover:bg-yellow-soft hover:-translate-y-0.5 px-8 py-3 text-base" href="/en/promotores#solicitar">I want to finance my project</a></div></div></section><div aria-hidden="true" class="w-full bg-cream py-4"><style>
23        @keyframes marquee {
24          0% { transform: translateX(0); }
25          100% { transform: translateX(-50%); }
26        }
27        .marquee-wrapper {
28          overflow: hidden;
29          white-space: nowrap;
30        }
31        .marquee-track {
32          display: inline-flex;
33          align-items: center;
34          will-change: transform;
35          animation: marquee 30s linear infinite;
36        }
37        .marquee-track:hover {
38          animation-play-state: paused;
39        }
40      </style><div class="flex items-center"><div class="marquee-wrapper flex-1"><div class="marquee-track"><span class="font-display text-lg text-green-dark md:text-xl">«Finance your real estate project online, fast and with no hidden costs»</span><span aria-hidden="true" class="mx-8 text-green-dark opacity-60"><img alt="" loading="lazy" width="24" height="24" decoding="async" data-nimg="1" class="mx-4 h-6 w-6 shrink-0" style="color:transparent;filter:brightness(0) saturate(100%) invert(19%) sepia(40%) saturate(800%) hue-rotate(115deg) brightness(90%)" src="/assets/isotipo-amarillo.svg"/></span><span class="font-display text-lg text-green-dark md:text-xl">«Finance your real estate project online, fast and with no hidden costs»</span><span aria-hidden="true" class="mx-8 text-green-dark opacity-60"><img alt="" loading="lazy" width="24" height="24" decoding="async" data-nimg="1" class="mx-4 h-6 w-6 shrink-0" style="color:transparent;filter:brightness(0) saturate(100%) invert(19%) sepia(40%) saturate(800%) hue-rotate(115deg) brightness(90%)" src="/assets/isotipo-amarillo.svg"/></span><span class="font-display text-lg text-green-dark md:text-xl">«Finance your real estate project online, fast and with no hidden costs»</span><span aria-hidden="true" class="mx-8 text-green-dark opacity-60"><img alt="" loading="lazy" width="24" height="24" decoding="async" data-nimg="1" class="mx-4 h-6 w-6 shrink-0" style="color:transparent;filter:brightness(0) saturate(100%) invert(19%) sepia(40%) saturate(800%) hue-rotate(115deg) brightness(90%)" src="/assets/isotipo-amarillo.svg"/></span><span class="font-display text-lg text-green-dark md:text-xl">«Finance your real estate project online, fast and with no hidden costs»</span><span aria-hidden="true" class="mx-8 text-green-dark opacity-60"><img alt="" loading="lazy" width="24" height="24" decoding="async" data-nimg="1" class="mx-4 h-6 w-6 shrink-0" style="color:transparent;filter:brightness(0) saturate(100%) invert(19%) sepia(40%) saturate(800%) hue-rotate(115deg) brightness(90%)" src="/assets/isotipo-amarillo.svg"/></span><span class="font-display text-lg text-green-dark md:text-xl">«Finance your real estate project online, fast and with no hidden costs»</span><span aria-hidden="true" class="mx-8 text-green-dark opacity-60"><img alt="" loading="lazy" width="24" height="24" decoding="async" data-nimg="1" class="mx-4 h-6 w-6 shrink-0" style="color:transparent;filter:brightness(0) saturate(100%) invert(19%) sepia(40%) saturate(800%) hue-rotate(115deg) brightness(90%)" src="/assets/isotipo-amarillo.svg"/></span><span class="font-display text-lg text-green-dark md:text-xl">«Finance your real estate project online, fast and with no hidden costs»</span><span aria-hidden="true" class="mx-8 text-green-dark opacity-60"><img alt="" loading="lazy" width="24" height="24" decoding="async" data-nimg="1" class="mx-4 h-6 w-6 shrink-0" style="color:transparent;filter:brightness(0) saturate(100%) invert(19%) sepia(40%) saturate(800%) hue-rotate(115deg) brightness(90%)" src="/assets/isotipo-amarillo.svg"/></span></div><div class="marquee-track" aria-hidden="true"><span class="font-display text-lg text-green-dark md:text-xl">«Finance your real estate project online, fast and with no hidden costs»</span><span aria-hidden="true" class="mx-8 text-green-dark opacity-60"><img alt="" loading="lazy" width="24" height="24" decoding="async" data-nimg="1" class="mx-4 h-6 w-6 shrink-0" style="color:transparent;filter:brightness(0) saturate(100%) invert(19%) sepia(40%) saturate(800%) hue-rotate(115deg) brightness(90%)" src="/assets/isotipo-amarillo.svg"/></span><span class="font-display text-lg text-green-dark md:text-xl">«Finance your real estate project online, fast and with no hidden costs»</span><span aria-hidden="true" class="mx-8 text-green-dark opacity-60"><img alt="" loading="lazy" width="24" height="24" decoding="async" data-nimg="1" class="mx-4 h-6 w-6 shrink-0" style="color:transparent;filter:brightness(0) saturate(100%) invert(19%) sepia(40%) saturate(800%) hue-rotate(115deg) brightness(90%)" src="/assets/isotipo-amarillo.svg"/></span><span class="font-display text-lg text-green-dark md:text-xl">«Finance your real estate project online, fast and with no hidden costs»</span><span aria-hidden="true" class="mx-8 text-green-dark opacity-60"><img alt="" loading="lazy" width="24" height="24" decoding="async" data-nimg="1" class="mx-4 h-6 w-6 shrink-0" style="color:transparent;filter:brightness(0) saturate(100%) invert(19%) sepia(40%) saturate(800%) hue-rotate(115deg) brightness(90%)" src="/assets/isotipo-amarillo.svg"/></span><span class="font-display text-lg text-green-dark md:text-xl">«Finance your real estate project online, fast and with no hidden costs»</span><span aria-hidden="true" class="mx-8 text-green-dark opacity-60"><img alt="" loading="lazy" width="24" height="24" decoding="async" data-nimg="1" class="mx-4 h-6 w-6 shrink-0" style="color:transparent;filter:brightness(0) saturate(100%) invert(19%) sepia(40%) saturate(800%) hue-rotate(115deg) brightness(90%)" src="/assets/isotipo-amarillo.svg"/></span><span class="font-display text-lg text-green-dark md:text-xl">«Finance your real estate project online, fast and with no hidden costs»</span><span aria-hidden="true" class="mx-8 text-green-dark opacity-60"><img alt="" loading="lazy" width="24" height="24" decoding="async" data-nimg="1" class="mx-4 h-6 w-6 shrink-0" style="color:transparent;filter:brightness(0) saturate(100%) invert(19%) sepia(40%) saturate(800%) hue-rotate(115deg) brightness(90%)" src="/assets/isotipo-amarillo.svg"/></span><span class="font-display text-lg text-green-dark md:text-xl">«Finance your real estate project online, fast and with no hidden costs»</span><span aria-hidden="true" class="mx-8 text-green-dark opacity-60"><img alt="" loading="lazy" width="24" height="24" decoding="async" data-nimg="1" class="mx-4 h-6 w-6 shrink-0" style="color:transparent;filter:brightness(0) saturate(100%) invert(19%) sepia(40%) saturate(800%) hue-rotate(115deg) brightness(90%)" src="/assets/isotipo-amarillo.svg"/></span></div></div></div></div><section class="bg-white py-16 md:py-24 lg:py-28"><div class="container-cresor"><h2 class="font-display text-4xl md:text-5xl lg:text-6xl text-green-dark">Funded projects</h2><div class="mt-14 grid gap-8 md:grid-cols-2 lg:grid-cols-3"><article class="flex h-full flex-col overflow-hidden rounded-lg border border-green-dark/15 shadow-[0_1px_2px_rgba(0,0,0,0.04)] transition-all duration-300 hover:-translate-y-1 hover:shadow-xl bg-white"><div class="flex items-start justify-between px-5 pt-5"><span class="inline-flex items-center gap-1.5 rounded-sm px-2.5 py-1 text-xs font-medium bg-[#4892D8] text-white"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="12" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-undo2 lucide-undo-2" aria-hidden="true"><path d="M9 14 4 9l5-5"></path><path d="M4 9h10.5a5.5 5.5 0 0 1 5.5 5.5a5.5 5.5 0 0 1-5.5 5.5H11"></path></svg>Amortized</span><img alt="" loading="lazy" width="32" height="32" decoding="async" data-nimg="1" class="h-8 w-8 object-contain" style="color:transparent" src="/assets/logo-campaign-card.svg"/></div><div class="min-h-18 px-5 pt-3"><p class="font-display text-xl leading-tight text-green-dark truncate">Rosa dels Vents</p><p class="mt-1 text-xs text-green-dark/60">Calonge - Barcelona · GRUPO ROIG</p></div><div class="relative h-44 w-full overflow-hidden"><div class="absolute left-0 right-0 top-0 z-10 flex items-center gap-3 bg-[#FCF0BC] px-5 py-2.5"><span class="text-[10px] font-bold tracking-wider text-green-dark">TIPO</span><span class="text-xs text-green-dark/40">|</span><span class="text-xs text-green-dark">Real-estate fixed-rate loan</span></div><img alt="Rosa dels Vents" loading="lazy" decoding="async" data-nimg="fill" class="object-cover transition-all duration-300 " style="position:absolute;height:100%;width:100%;left:0;top:0;right:0;bottom:0;color:transparent" sizes="(max-width: 768px) 100vw, (max-width: 1024px) 50vw, 33vw" srcSet="/_next/image?url=https%3A%2F%2Fstockcrowdin-private.s3.amazonaws.com%2FMigracionFAN_20250827%2Ftest%2Fresources%2Fsc%2F2022%2F091206%2F18e6826b-dee9-468c-8876-b117d84129fd.png&amp;w=256&amp;q=75 256w, /_next/image?url=https%3A%2F%2Fstockcrowdin-private.s3.amazonaws.com%2FMigracionFAN_20250827%2Ftest%2Fresources%2Fsc%2F2022%2F091206%2F18e6826b-dee9-468c-8876-b117d84129fd.png&amp;w=384&amp;q=75 384w, /_next/image?url=https%3A%2F%2Fstockcrowdin-private.s3.amazonaws.com%2FMigracionFAN_20250827%2Ftest%2Fresources%2Fsc%2F2022%2F091206%2F18e6826b-dee9-468c-8876-b117d84129fd.png&amp;w=640&amp;q=75 640w, /_next/image?url=https%3A%2F%2Fstockcrowdin-private.s3.amazonaws.com%2FMigracionFAN_20250827%2Ftest%2Fresources%2Fsc%2F2022%2F091206%2F18e6826b-dee9-468c-8876-b117d84129fd.png&amp;w=750&amp;q=75 750w, /_next/image?url=https%3A%2F%2Fstockcrowdin-private.s3.amazonaws.com%2FMigracionFAN_20250827%2Ftest%2Fresources%2Fsc%2F2022%2F091206%2F18e6826b-dee9-468c-8876-b117d84129fd.png&amp;w=828&amp;q=75 828w, /_next/image?url=https%3A%2F%2Fstockcrowdin-private.s3.amazonaws.com%2FMigracionFAN_20250827%2Ftest%2Fresources%2Fsc%2F2022%2F091206%2F18e6826b-dee9-468c-8876-b117d84129fd.png&amp;w=1080&amp;q=75 1080w, /_next/image?url=https%3A%2F%2Fstockcrowdin-private.s3.amazonaws.com%2FMigracionFAN_20250827%2Ftest%2Fresources%2Fsc%2F2022%2F091206%2F18e6826b-dee9-468c-8876-b117d84129fd.png&amp;w=1200&amp;q=75 1200w, /_next/image?url=https%3A%2F%2Fstockcrowdin-private.s3.amazonaws.com%2FMigracionFAN_20250827%2Ftest%2Fresources%2Fsc%2F2022%2F091206%2F18e6826b-dee9-468c-8876-b117d84129fd.png&amp;w=1920&amp;q=75 1920w, /_next/image?url=https%3A%2F%2Fstockcrowdin-private.s3.amazonaws.com%2FMigracionFAN_20250827%2Ftest%2Fresources%2Fsc%2F2022%2F091206%2F18e6826b-dee9-468c-8876-b117d84129fd.png&amp;w=2048&amp;q=75 2048w, /_next/image?url=https%3A%2F%2Fstockcrowdin-private.s3.amazonaws.com%2FMigracionFAN_20250827%2Ftest%2Fresources%2Fsc%2F2022%2F091206%2F18e6826b-dee9-468c-8876-b117d84129fd.png&amp;w=3840&amp;q=75 3840w" src="/_next/image?url=https%3A%2F%2Fstockcrowdin-private.s3.amazonaws.com%2FMigracionFAN_20250827%2Ftest%2Fresources%2Fsc%2F2022%2F091206%2F18e6826b-dee9-468c-8876-b117d84129fd.png&amp;w=3840&amp;q=75"/><span class="absolute left-4 top-12 inline-flex h-10 w-10 items-center justify-center rounded-full text-xs font-medium" style="background-color:#F5E36B">B</span></div><div class="flex flex-1 flex-col px-5 pb-5 pt-5"><div class="flex items-end justify-between text-xs"><div><div class="font-medium tracking-wider text-green-dark/55">Funded</div><div class="mt-1 flex items-baseline gap-2 font-display text-2xl text-green-dark">4.350.000 €<!-- --> <span class="inline-flex items-center rounded-sm bg-yellow px-2 py-0.5 text-xs font-medium text-green-dark">100<!-- -->%</span></div></div><div class="text-right"><div class="font-medium tracking-wider text-green-dark/55">Goal</div><div class="mt-1 font-display text-2xl text-green-dark">4.350.000 €</div></div></div><div class="mt-3 h-1.5 w-full overflow-hidden rounded-full bg-green-dark/10"><div class="h-full bg-green-dark transition-all duration-500" style="width:100%"></div></div><div class="mb-8 mt-5 grid grid-cols-3 gap-3 text-left"><div class="flex flex-col"><div class="text-[10px] font-medium uppercase leading-tight tracking-wider text-green-dark/60">Total return</div><div class="mt-2 font-display text-2xl leading-none text-green-dark">36%</div></div><div class="flex flex-col"><div class="text-[10px] font-medium uppercase leading-tight tracking-wider text-green-dark/60">APR</div><div class="mt-2 font-display text-2xl leading-none text-green-dark">12%</div></div><div class="flex flex-col"><div class="text-[10px] font-medium uppercase leading-tight tracking-wider text-green-dark/60">Term</div><div class="mt-2 font-display text-2xl leading-none text-green-dark">36 m</div></div></div><a href="https://www.cresor.com/boxweb/dinerario/9003" class="inline-flex items-center justify-center gap-2 text-center font-body transition-all duration-300 focus-visible:outline-2 focus-visible:outline-offset-2 focus-visible:outline-yellow disabled:pointer-events-none disabled:opacity-60 border text-green-dark hover:bg-green-dark hover:text-white mt-auto rounded-sm border-green-dark/30 px-5 py-3 text-sm" target="_blank" rel="noopener noreferrer">More information</a><div class="mt-6 flex items-center justify-between text-xs text-green-dark/55"><span>Funded in &lt; 1 day</span><span>20<!-- --> <!-- -->investors</span></div></div></article><article class="flex h-full flex-col overflow-hidden rounded-lg border border-green-dark/15 shadow-[0_1px_2px_rgba(0,0,0,0.04)] transition-all duration-300 hover:-translate-y-1 hover:shadow-xl bg-white"><div class="flex items-start justify-between px-5 pt-5"><span class="inline-flex items-center gap-1.5 rounded-sm px-2.5 py-1 text-xs font-medium bg-[#e08176] text-white"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="12" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="3" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-check" aria-hidden="true"><path d="M20 6 9 17l-5-5"></path></svg>
40Funding reached</span><img alt="" loading="lazy" width="32" height="32" decoding="async" data-nimg="1" class="h-8 w-8 object-contain" style="color:transparent" src="/assets/logo-campaign-card.svg"/></div><div class="min-h-18 px-5 pt-3"><p class="font-display text-xl leading-tight text-green-dark truncate">Avenida 307 nº 8. </p><p class="mt-1 text-xs text-green-dark/60">Castelldefels · Groinversia</p></div><div class="relative h-44 w-full overflow-hidden"><div class="absolute left-0 right-0 top-0 z-10 flex items-center gap-3 bg-[#FCF0BC] px-5 py-2.5"><span class="text-[10px] font-bold tracking-wider text-green-dark">TIPO</span><span class="text-xs text-green-dark/40">|</span><span class="text-xs text-green-dark">Real-estate fixed-rate loan</span></div><img alt="Avenida 307 nº 8. " loading="lazy" decoding="async" data-nimg="fill" class="object-cover transition-all duration-300 " style="position:absolute;height:100%;width:100%;left:0;top:0;right:0;bottom:0;color:transparent" sizes="(max-width: 768px) 100vw, (max-width: 1024px) 50vw, 33vw" srcSet="/_next/image?url=https%3A%2F%2Fstockcrowdin-public.s3.amazonaws.com%2F2026%2F061712%2FAvenida_307_n_8_SCIN_1_1_1_1.png&amp;w=256&amp;q=75 256w, /_next/image?url=https%3A%2F%2Fstockcrowdin-public.s3.amazonaws.com%2F2026%2F061712%2FAvenida_307_n_8_SCIN_1_1_1_1.png&amp;w=384&amp;q=75 384w, /_next/image?url=https%3A%2F%2Fstockcrowdin-public.s3.amazonaws.com%2F2026%2F061712%2FAvenida_307_n_8_SCIN_1_1_1_1.png&amp;w=640&amp;q=75 640w, /_next/image?url=https%3A%2F%2Fstockcrowdin-public.s3.amazonaws.com%2F2026%2F061712%2FAvenida_307_n_8_SCIN_1_1_1_1.png&amp;w=750&amp;q=75 750w, /_next/image?url=https%3A%2F%2Fstockcrowdin-public.s3.amazonaws.com%2F2026%2F061712%2FAvenida_307_n_8_SCIN_1_1_1_1.png&amp;w=828&amp;q=75 828w, /_next/image?url=https%3A%2F%2Fstockcrowdin-public.s3.amazonaws.com%2F2026%2F061712%2FAvenida_307_n_8_SCIN_1_1_1_1.png&amp;w=1080&amp;q=75 1080w, /_next/image?url=https%3A%2F%2Fstockcrowdin-public.s3.amazonaws.com%2F2026%2F061712%2FAvenida_307_n_8_SCIN_1_1_1_1.png&amp;w=1200&amp;q=75 1200w, /_next/image?url=https%3A%2F%2Fstockcrowdin-public.s3.amazonaws.com%2F2026%2F061712%2FAvenida_307_n_8_SCIN_1_1_1_1.png&amp;w=1920&amp;q=75 1920w, /_next/image?url=https%3A%2F%2Fstockcrowdin-public.s3.amazonaws.com%2F2026%2F061712%2FAvenida_307_n_8_SCIN_1_1_1_1.png&amp;w=2048&amp;q=75 2048w, /_next/image?url=https%3A%2F%2Fstockcrowdin-public.s3.amazonaws.com%2F2026%2F061712%2FAvenida_307_n_8_SCIN_1_1_1_1.png&amp;w=3840&amp;q=75 3840w" src="/_next/image?url=https%3A%2F%2Fstockcrowdin-public.s3.amazonaws.com%2F2026%2F061712%2FAvenida_307_n_8_SCIN_1_1_1_1.png&amp;w=3840&amp;q=75"/><span class="absolute left-4 top-12 inline-flex h-10 w-10 items-center justify-center rounded-full text-xs font-medium" style="background-color:#BFE0A1">A</span></div><div class="flex flex-1 flex-col px-5 pb-5 pt-5"><div class="flex items-end justify-between text-xs"><div><div class="font-medium tracking-wider text-green-dark/55">Funded</div><div class="mt-1 flex items-baseline gap-2 font-display text-2xl text-green-dark">2.200.000 €<!-- --> <span class="inline-flex items-center rounded-sm bg-yellow px-2 py-0.5 text-xs font-medium text-green-dark">100<!-- -->%</span></div></div><div class="text-right"><div class="font-medium tracking-wider text-green-dark/55">Goal</div><div class="mt-1 font-display text-2xl text-green-dark">2.200.000 €</div></div></div><div class="mt-3 h-1.5 w-full overflow-hidden rounded-full bg-green-dark/10"><div class="h-full bg-green-dark transition-all duration-500" style="width:100%"></div></div><div class="mb-8 mt-5 grid grid-cols-3 gap-3 text-left"><div class="flex flex-col"><div class="text-[10px] font-medium uppercase leading-tight tracking-wider text-green-dark/60">Total return</div><div class="mt-2 font-display text-2xl leading-none text-green-dark">15%</div></div><div class="flex flex-col"><div class="text-[10px] font-medium uppercase leading-tight tracking-wider text-green-dark/60">APR</div><div class="mt-2 font-display text-2xl leading-none text-green-dark">10%</div></div><div class="flex flex-col"><div class="text-[10px] font-medium uppercase leading-tight tracking-wider text-green-dark/60">Term</div><div class="mt-2 font-display text-2xl leading-none text-green-dark">18 m</div></div></div><a href="https://www.cresor.com/boxweb/dinerario/9687" class="inline-flex items-center justify-center gap-2 text-center font-body transition-all duration-300 focus-visible:outline-2 focus-visible:outline-offset-2 focus-visible:outline-yellow disabled:pointer-events-none disabled:opacity-60 border text-green-dark hover:bg-green-dark hover:text-white mt-auto rounded-sm border-green-dark/30 px-5 py-3 text-sm" target="_blank" rel="noopener noreferrer">More information</a><div class="mt-6 flex items-center justify-between text-xs text-green-dark/55"><span>Funded in &lt; 2 days</span><span>360<!-- --> <!-- -->investors</span></div></div></article><article class="flex h-full flex-col overflow-hidden rounded-lg border border-green-dark/15 shadow-[0_1px_2px_rgba(0,0,0,0.04)] transition-all duration-300 hover:-translate-y-1 hover:shadow-xl bg-white"><div class="flex items-start justify-between px-5 pt-5"><span class="inline-flex items-center gap-1.5 rounded-sm px-2.5 py-1 text-xs font-medium bg-[#e08176] text-white"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="12" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="3" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-check" aria-hidden="true"><path d="M20 6 9 17l-5-5"></path></svg>
40Funding reached</span><img alt="" loading="lazy" width="32" height="32" decoding="async" data-nimg="1" class="h-8 w-8 object-contain" style="color:transparent" src="/assets/logo-campaign-card.svg"/></div><div class="min-h-18 px-5 pt-3"><p class="font-display text-xl leading-tight text-green-dark truncate">Rubió i Ors 264-266</p><p class="mt-1 text-xs text-green-dark/60">Cornellà de Llobregat, Barcelona · VIVIM</p></div><div class="relative h-44 w-full overflow-hidden"><div class="absolute left-0 right-0 top-0 z-10 flex items-center gap-3 bg-[#FCF0BC] px-5 py-2.5"><span class="text-[10px] font-bold tracking-wider text-green-dark">TIPO</span><span class="text-xs text-green-dark/40">|</span><span class="text-xs text-green-dark">Real-estate fixed-rate loan</span></div><img alt="Rubió i Ors 264-266" loading="lazy" decoding="async" data-nimg="fill" class="object-cover transition-all duration-300 " style="position:absolute;height:100%;width:100%;left:0;top:0;right:0;bottom:0;color:transparent" sizes="(max-width: 768px) 100vw, (max-width: 1024px) 50vw, 33vw" srcSet="/_next/image?url=https%3A%2F%2Fstockcrowdin-public.s3.amazonaws.com%2F2026%2F030401%2FCaptura_de_pantalla_2026-02-13_a_las_13.43.28_1_1_1_1.png&amp;w=256&amp;q=75 256w, /_next/image?url=https%3A%2F%2Fstockcrowdin-public.s3.amazonaws.com%2F2026%2F030401%2FCaptura_de_pantalla_2026-02-13_a_las_13.43.28_1_1_1_1.png&amp;w=384&amp;q=75 384w, /_next/image?url=https%3A%2F%2Fstockcrowdin-public.s3.amazonaws.com%2F2026%2F030401%2FCaptura_de_pantalla_2026-02-13_a_las_13.43.28_1_1_1_1.png&amp;w=640&amp;q=75 640w, /_next/image?url=https%3A%2F%2Fstockcrowdin-public.s3.amazonaws.com%2F2026%2F030401%2FCaptura_de_pantalla_2026-02-13_a_las_13.43.28_1_1_1_1.png&amp;w=750&amp;q=75 750w, /_next/image?url=https%3A%2F%2Fstockcrowdin-public.s3.amazonaws.com%2F2026%2F030401%2FCaptura_de_pantalla_2026-02-13_a_las_13.43.28_1_1_1_1.png&amp;w=828&amp;q=75 828w, /_next/image?url=https%3A%2F%2Fstockcrowdin-public.s3.amazonaws.com%2F2026%2F030401%2FCaptura_de_pantalla_2026-02-13_a_las_13.43.28_1_1_1_1.png&amp;w=1080&amp;q=75 1080w, /_next/image?url=https%3A%2F%2Fstockcrowdin-public.s3.amazonaws.com%2F2026%2F030401%2FCaptura_de_pantalla_2026-02-13_a_las_13.43.28_1_1_1_1.png&amp;w=1200&amp;q=75 1200w, /_next/image?url=https%3A%2F%2Fstockcrowdin-public.s3.amazonaws.com%2F2026%2F030401%2FCaptura_de_pantalla_2026-02-13_a_las_13.43.28_1_1_1_1.png&amp;w=1920&amp;q=75 1920w, /_next/image?url=https%3A%2F%2Fstockcrowdin-public.s3.amazonaws.com%2F2026%2F030401%2FCaptura_de_pantalla_2026-02-13_a_las_13.43.28_1_1_1_1.png&amp;w=2048&amp;q=75 2048w, /_next/image?url=https%3A%2F%2Fstockcrowdin-public.s3.amazonaws.com%2F2026%2F030401%2FCaptura_de_pantalla_2026-02-13_a_las_13.43.28_1_1_1_1.png&amp;w=3840&amp;q=75 3840w" src="/_next/image?url=https%3A%2F%2Fstockcrowdin-public.s3.amazonaws.com%2F2026%2F030401%2FCaptura_de_pantalla_2026-02-13_a_las_13.43.28_1_1_1_1.png&amp;w=3840&amp;q=75"/><span class="absolute left-4 top-12 inline-flex h-10 w-10 items-center justify-center rounded-full text-xs font-medium" style="background-color:#F5E36B">B</span></div><div class="flex flex-1 flex-col px-5 pb-5 pt-5"><div class="flex items-end justify-between text-xs"><div><div class="font-medium tracking-wider text-green-dark/55">Funded</div><div class="mt-1 flex items-baseline gap-2 font-display text-2xl text-green-dark">900.000 €<!-- --> <span class="inline-flex items-center rounded-sm bg-yellow px-2 py-0.5 text-xs font-medium text-green-dark">100<!-- -->%</span></div></div><div class="text-right"><div class="font-medium tracking-wider text-green-dark/55">Goal</div><div class="mt-1 font-display text-2xl text-green-dark">900.000 €</div></div></div><div class="mt-3 h-1.5 w-full overflow-hidden rounded-full bg-green-dark/10"><div class="h-full bg-green-dark transition-all duration-500" style="width:100%"></div></div><div class="mb-8 mt-5 grid grid-cols-3 gap-3 text-left"><div class="flex flex-col"><div class="text-[10px] font-medium uppercase leading-tight tracking-wider text-green-dark/60">Total return</div><div class="mt-2 font-display text-2xl leading-none text-green-dark">24%</div></div><div class="flex flex-col"><div class="text-[10px] font-medium uppercase leading-tight tracking-wider text-green-dark/60">APR</div><div class="mt-2 font-display text-2xl leading-none text-green-dark">12%</div></div><div class="flex flex-col"><div class="text-[10px] font-medium uppercase leading-tight tracking-wider text-green-dark/60">Term</div><div class="mt-2 font-display text-2xl leading-none text-green-dark">24 m</div></div></div><a href="https://www.cresor.com/boxweb/dinerario/9663" class="inline-flex items-center justify-center gap-2 text-center font-body transition-all duration-300 focus-visible:outline-2 focus-visible:outline-offset-2 focus-visible:outline-yellow disabled:pointer-events-none disabled:opacity-60 border text-green-dark hover:bg-green-dark hover:text-white mt-auto rounded-sm border-green-dark/30 px-5 py-3 text-sm" target="_blank" rel="noopener noreferrer">More information</a><div class="mt-6 flex items-center justify-between text-xs text-green-dark/55"><span>Funded in &lt; 1 hour</span><span>16<!-- --> <!-- -->investors</span></div></div></article></div><div class="mt-14 flex justify-center"><a class="inline-flex items-center justify-center gap-2 rounded-full text-center font-body transition-all duration-300 focus-visible:outline-2 focus-visible:outline-offset-2 focus-visible:outline-yellow disabled:pointer-events-none disabled:opacity-60 bg-green-dark text-yellow ring-1 ring-yellow/30 hover:bg-black hover:ring-yellow px-12 py-4 text-base" href="/en/oportunidades">View all opportunities</a></div></div></section></div><div class="hidden"><template id="P:2"></template></div><section class="bg-cream py-16 md:py-24 lg:py-28 scroll-mt-28" id="solicitar"><div class="container-cresor grid gap-12 md:grid-cols-2"><div class="block"><div><h2 class="font-display text-4xl md:text-5xl lg:text-6xl text-green-dark">Finance your project</h2><p class="text-base leading-relaxed text-green-dark/85 font-normal mt-4">We are the crowdlending platform that connects your real estate projects with our investor community. Access your developer loan 
40in an agile, 100% online way.</p><p class="text-base leading-relaxed text-green-dark/85 font-normal mt-4">Crowdfunding Service Provider (ECSPR) authorised by the CNMV, No. 19.</p><ul class="mt-8 space-y-3"><li class="flex items-start gap-3"><span class="mt-0.5 inline-flex h-6 w-6 shrink-0 items-center justify-center rounded-full bg-yellow"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2.5" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-check h-4 w-4 text-green-dark" aria-hidden="true"><path d="M20 6 9 17l-5-5"></path></svg></span><p class="text-base text-green-dark/85 font-normal leading-relaxed">We finance your project in phases</p></li><li class="flex items-start gap-3"><span class="mt-0.5 inline-flex h-6 w-6 shrink-0 items-center justify-center rounded-full bg-yellow"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2.5" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-check h-4 w-4 text-green-dark" aria-hidden="true"><path d="M20 6 9 17l-5-5"></path></svg></span><p class="text-base text-green-dark/85 font-normal leading-relaxed">You optimise financial costs</p></li><li class="flex items-start gap-3"><span class="mt-0.5 inline-flex h-6 w-6 shrink-0 items-center justify-center rounded-full bg-yellow"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2.5" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-check h-4 w-4 text-green-dark" aria-hidden="true"><path d="M20 6 9 17l-5-5"></path></svg></span><p class="text-base text-green-dark/85 font-normal leading-relaxed">Less stringent pre-sale % requirements</p></li><li class="flex items-start gap-3"><span class="mt-0.5 inline-flex h-6 w-6 shrink-0 items-center justify-center rounded-full bg-yellow"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2.5" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-check h-4 w-4 text-green-dark" aria-hidden="true"><path d="M20 6 9 17l-5-5"></path></svg></span><p class="text-base text-green-dark/85 font-normal leading-relaxed">Personalised support, agile process and 100% online</p></li></ul></div></div><div class="hidden"><div><h2 class="font-display text-4xl md:text-5xl lg:text-6xl text-green-dark">Finance your business</h2><p class="text-base leading-relaxed text-green-dark/85 font-normal mt-4">We are the crowdlending platform that connects businesses with our investor community.</p><p class="text-base leading-relaxed text-green-dark/85 font-normal mt-4">Crowdfunding Service Provider (ECSPR) authorised by the CNMV, No. 19.</p><ul class="mt-8 space-y-3"><li class="flex items-start gap-3"><span class="mt-0.5 inline-flex h-6 w-6 shrink-0 items-center justify-center rounded-full bg-yellow"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2.5" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-check h-4 w-4 text-green-dark" aria-hidden="true"><path d="M20 6 9 17l-5-5"></path></svg></span><p class="text-base text-green-dark/85 font-normal leading-relaxed">Fixed-rate loans</p></li><li class="flex items-start gap-3"><span class="mt-0.5 inline-flex h-6 w-6 shrink-0 items-center justify-center rounded-full bg-yellow"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2.5" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-check h-4 w-4 text-green-dark" aria-hidden="true"><path d="M20 6 9 17l-5-5"></path></svg></span><p class="text-base text-green-dark/85 font-normal leading-relaxed">Agile financing, 100% online</p></li><li class="flex items-start gap-3"><span class="mt-0.5 inline-flex h-6 w-6 shrink-0 items-center justify-center rounded-full bg-yellow"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2.5" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-check h-4 w-4 text-green-dark" aria-hidden="true"><path d="M20 6 9 17l-5-5"></path></svg></span>
40<p class="text-base text-green-dark/85 font-normal leading-relaxed">No additional products required</p></li></ul></div></div><div><p class="text-sm text-green-dark/60 font-normal mb-4">To finance your project you must contribute own funds, have experience in the real estate sector — either personally or through the management team — and have no payment default alerts.</p><form class="space-y-4" noValidate=""><div><input type="text" placeholder="Full name*" class="w-full rounded-lg border border-green-dark/20 bg-white px-4 py-3 text-green-dark placeholder:text-green-dark/40 focus:border-green-dark focus:outline-none focus:ring-1 focus:ring-green-dark" name="name"/></div><div><input type="text" placeholder="Company name*" class="w-full rounded-lg border border-green-dark/20 bg-white px-4 py-3 text-green-dark placeholder:text-green-dark/40 focus:border-green-dark focus:outline-none focus:ring-1 focus:ring-green-dark" name="company"/></div><div class="grid gap-4 sm:grid-cols-2"><div><input type="email" placeholder="Email*" class="w-full rounded-lg border border-green-dark/20 bg-white px-4 py-3 text-green-dark placeholder:text-green-dark/40 focus:border-green-dark focus:outline-none focus:ring-1 focus:ring-green-dark" name="email"/></div><div><input type="tel" placeholder="Phone*" class="w-full rounded-lg border border-green-dark/20 bg-white px-4 py-3 text-green-dark placeholder:text-green-dark/40 focus:border-green-dark focus:outline-none focus:ring-1 focus:ring-green-dark" name="phone"/></div></div><div><textarea rows="5" placeholder="Message*" class="w-full rounded-lg border border-green-dark/20 bg-white px-4 py-3 text-green-dark placeholder:text-green-dark/40 focus:border-green-dark focus:outline-none focus:ring-1 focus:ring-green-dark" name="message"></textarea></div><div><label class="text-xs font-normal mb-1 block text-green-dark/70">Attach documentation (optional)</label><input type="file" class="w-full rounded-lg border border-green-dark/20 bg-white px-4 py-2.5 text-sm text-green-dark file:mr-3 file:rounded file:border-0 file:bg-green-dark/10 file:px-3 file:py-1 file:text-xs file:text-green-dark"/></div><div class="space-y-1"><label class="flex cursor-pointer items-start gap-2.5"><span class="relative mt-0.5 flex h-4 w-4 shrink-0"><input type="checkbox" class="peer sr-only outline-none" name="privacy"/><span class="absolute inset-0 rounded border transition-colors peer-focus-visible:ring-2 peer-focus-visible:ring-yellow peer-focus-visible:ring-offset-1 border-green-dark/30 bg-white peer-checked:border-green-dark peer-checked:bg-green-dark"></span><svg viewBox="0 0 10 8" fill="none" xmlns="http://www.w3.org/2000/svg" class="relative z-10 h-full w-full scale-[0.6] opacity-0 transition-opacity peer-checked:opacity-100 text-yellow" aria-hidden="true"><path d="M1 4L3.5 6.5L9 1" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round"></path></svg></span><span class="text-xs leading-relaxed text-green-dark/80">I have read and accept the <a href="/web-api/documentos/WEB-PP" target="_blank" rel="noopener noreferrer" class="font-medium underline underline-offset-2 transition-colors hover:text-green-dark">Privacy Policy</a> and <a href="/web-api/documentos/WEB-PP" target="_blank" rel="noopener noreferrer" class="font-medium underline underline-offset-2 transition-colors hover:text-green-dark">Legal Notice</a></span></label></div><div class="space-y-1"><label class="flex cursor-pointer items-start gap-2.5"><span class="relative mt-0.5 flex h-4 w-4 shrink-0"><input type="checkbox" class="peer sr-only outline-none" name="comms"/><span class="absolute inset-0 rounded border transition-colors peer-focus-visible:ring-2 peer-focus-visible:ring-yellow peer-focus-visible:ring-offset-1 border-green-dark/30 bg-white peer-checked:border-green-dark peer-checked:bg-green-dark"></span><svg viewBox="0 0 10 8" fill="none" xmlns="http://www.w3.org/2000/svg" class="relative z-10 h-full w-full scale-[0.6] opacity-0 transition-opacity peer-checked:opacity-100 text-yellow" aria-hidden="true"><path d="M1 4L3.5 6.5L9 1" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round"></path></svg></span><span class="text-xs leading-relaxed text-green-dark/80">
40I agree to receive communications from Cresor</span></label></div><button class="inline-flex items-center justify-center gap-2 text-center font-body transition-all duration-300 focus-visible:outline-2 focus-visible:outline-offset-2 focus-visible:outline-yellow disabled:pointer-events-none disabled:opacity-60 bg-green-dark text-white hover:bg-green-dark/90 px-8 py-3 text-base rounded-lg mt-2" type="submit">Send</button></form></div></div></section><div class="block"><section class="bg-white py-16 md:py-24 lg:py-28"><div class="container-cresor"><h2 class="font-display text-4xl md:text-5xl lg:text-6xl text-green-dark">Frequently asked questions</h2><div class="mt-10" data-orientation="vertical"><div data-state="closed" data-orientation="vertical" class="border-b border-green-dark/10 scroll-mt-28" data-faq="faq-0"><div class="flex" data-orientation="vertical" data-state="closed"><button type="button" aria-expanded="false" data-state="closed" data-orientation="vertical" id="radix-_R_danpfguivb_" class="flex flex-1 items-center justify-between gap-3 py-5 text-left font-display text-lg text-green-dark transition-all [&amp;[data-state=open]&gt;svg]:rotate-180" data-radix-collection-item="">What is the average time to receive financing approval, and how long does fund-raising on the platform typically take?<svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-chevron-down h-5 w-5 shrink-0 text-green-dark transition-transform duration-200" aria-hidden="true"><path d="m6 9 6 6 6-6"></path></svg></button></div><div data-state="closed" id="radix-_R_2danpfguivb_" hidden="" role="region" aria-labelledby="radix-_R_danpfguivb_" data-orientation="vertical" class="overflow-hidden text-sm text-green-dark/80 transition-all data-[state=closed]:animate-accordion-up data-[state=open]:animate-accordion-down" style="--radix-accordion-content-height:var(--radix-collapsible-content-height);--radix-accordion-content-width:var(--radix-collapsible-content-width)"></div></div><div data-state="closed" data-orientation="vertical" class="border-b border-green-dark/10 scroll-mt-28" data-faq="faq-1"><div class="flex" data-orientation="vertical" data-state="closed"><button type="button" aria-expanded="false" data-state="closed" data-orientation="vertical" id="radix-_R_lanpfguivb_" class="flex flex-1 items-center justify-between gap-3 py-5 text-left font-display text-lg text-green-dark transition-all [&amp;[data-state=open]&gt;svg]:rotate-180" data-radix-collection-item="">What are the requirements to apply for financing?<svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-chevron-down h-5 w-5 shrink-0 text-green-dark transition-transform duration-200" aria-hidden="true"><path d="m6 9 6 6 6-6"></path></svg></button></div><div data-state="closed" id="radix-_R_2lanpfguivb_" hidden="" role="region" aria-labelledby="radix-_R_lanpfguivb_" data-orientation="vertical" class="overflow-hidden text-sm text-green-dark/80 transition-all data-[state=closed]:animate-accordion-up data-[state=open]:animate-accordion-down" style="--radix-accordion-content-height:var(--radix-collapsible-content-height);--radix-accordion-content-width:var(--radix-collapsible-content-width)"></div></div><div data-state="closed" data-orientation="vertical" class="border-b border-green-dark/10 scroll-mt-28" data-faq="faq-2"><div class="flex" data-orientation="vertical" data-state="closed"><button type="button" aria-expanded="false" data-state="closed" data-orientation="vertical" id="radix-_R_tanpfguivb_" class="flex flex-1 items-center justify-between gap-3 py-5 text-left font-display text-lg text-green-dark transition-all [&amp;[data-state=open]&gt;svg]:rotate-180" data-radix-collection-item="">Do you finance industrialised construction projects?<svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-chevron-down h-5 w-5 shrink-0 text-green-dark transition-transform duration-200" aria-hidden="true"><path d="m6 9 6 6 6-6"></path></svg></button></div><div data-state="closed" id="radix-_R_2tanpfguivb_" hidden="" role="region" aria-labelledby="radix-_R_tan
40pfguivb_" data-orientation="vertical" class="overflow-hidden text-sm text-green-dark/80 transition-all data-[state=closed]:animate-accordion-up data-[state=open]:animate-accordion-down" style="--radix-accordion-content-height:var(--radix-collapsible-content-height);--radix-accordion-content-width:var(--radix-collapsible-content-width)"></div></div><div data-state="closed" data-orientation="vertical" class="border-b border-green-dark/10 scroll-mt-28" data-faq="faq-3"><div class="flex" data-orientation="vertical" data-state="closed"><button type="button" aria-expanded="false" data-state="closed" data-orientation="vertical" id="radix-_R_15anpfguivb_" class="flex flex-1 items-center justify-between gap-3 py-5 text-left font-display text-lg text-green-dark transition-all [&amp;[data-state=open]&gt;svg]:rotate-180" data-radix-collection-item="">What is the difference between a fixed-rate loan and equity?<svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-chevron-down h-5 w-5 shrink-0 text-green-dark transition-transform duration-200" aria-hidden="true"><path d="m6 9 6 6 6-6"></path></svg></button></div><div data-state="closed" id="radix-_R_35anpfguivb_" hidden="" role="region" aria-labelledby="radix-_R_15anpfguivb_" data-orientation="vertical" class="overflow-hidden text-sm text-green-dark/80 transition-all data-[state=closed]:animate-accordion-up data-[state=open]:animate-accordion-down" style="--radix-accordion-content-height:var(--radix-collapsible-content-height);--radix-accordion-content-width:var(--radix-collapsible-content-width)"></div></div></div><a class="mt-8 inline-block text-green-dark underline underline-offset-4 hover:text-yellow" href="/en/faqs">View more FAQs</a></div></section></div><div class="hidden"><section class="bg-white py-16 md:py-24 lg:py-28"><div class="container-cresor"><h2 class="font-display text-4xl md:text-5xl lg:text-6xl text-green-dark">Frequently asked questions</h2><div class="mt-10" data-orientation="vertical"><div data-state="closed" data-orientation="vertical" class="border-b border-green-dark/10 scroll-mt-28" data-faq="faq-0"><div class="flex" data-orientation="vertical" data-state="closed"><button type="button" aria-expanded="false" data-state="closed" data-orientation="vertical" id="radix-_R_dinpfguivb_" class="flex flex-1 items-center justify-between gap-3 py-5 text-left font-display text-lg text-green-dark transition-all [&amp;[data-state=open]&gt;svg]:rotate-180" data-radix-collection-item="">Who can apply for a loan?<svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-chevron-down h-5 w-5 shrink-0 text-green-dark transition-transform duration-200" aria-hidden="true"><path d="m6 9 6 6 6-6"></path></svg></button></div><div data-state="closed" id="radix-_R_2dinpfguivb_" hidden="" role="region" aria-labelledby="radix-_R_dinpfguivb_" data-orientation="vertical" class="overflow-hidden text-sm text-green-dark/80 transition-all data-[state=closed]:animate-accordion-up data-[state=open]:animate-accordion-down" style="--radix-accordion-content-height:var(--radix-collapsible-content-height);--radix-accordion-content-width:var(--radix-collapsible-content-width)"></div></div><div data-state="closed" data-orientation="vertical" class="border-b border-green-dark/10 scroll-mt-28" data-faq="faq-1"><div class="flex" data-orientation="vertical" data-state="closed"><button type="button" aria-expanded="false" data-state="closed" data-orientation="vertical" id="radix-_R_linpfguivb_" class="flex flex-1 items-center justify-between gap-3 py-5 text-left font-display text-lg text-green-dark transition-all [&amp;[data-state=open]&gt;svg]:rotate-180" data-radix-collection-item="">What is the minimum information required for the loan application?<svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-chevron-down h-5 w-5 shrink-0 text-green-dark transition-transform duration-200" aria-hidden="true"><path d="m6 9 6 6 6-6"></path></svg></button></div><div data-state="closed" id="radix-_R_2linpfguivb_" hidden="" role="region" aria-labelledby="radix-_R_linpfguivb_" data-orientation="vertical" class="overflow-hidden text-sm text-green-dark/80 transition-all data-[state=closed]:animate-accordion-up data-[state=open]:animate-accordion-down" style="--radix-accordion-content-height:var(--radix-collapsible-content-height);--radix-accordion-content-width:var(--radix-collapsible-content-width)"></div></div><div data-state="closed" data-orientation="vertical" class="border-b border-green-dark/10 scroll-mt-28" data-faq="faq-2"><div class="flex" data-orientation="vertical" data-state="closed"><button type="button" aria-expanded="false" data-state="closed" data-orientation="vertical" id="radix-_R_tinpfguivb_" class="flex flex-1 items-center justify-between gap-3 py-5 text-left font-display text-lg text-green-dark transition-all [&amp;[data-state=open]&gt;svg]:rotate-180" data-radix-collection-item="">What company information will be available to investors?<svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-chevron-down h-5 w-5 shrink-0 text-green-dark transition-transform duration-200" aria-hidden="true"><path d="m6 9 6 6 6-6"></path></svg></button></div><div data-state="closed" id="radix-_R_2tinpfguivb_" hidden="" role="region" aria-labelledby="radix-_R_tinpfguivb_" data-orientation="vertical" class="overflow-hidden text-sm text-green-dark/80 transition-all data-[state=closed]:animate-accordion-up data-[state=open]:animate-accordion-down" style="--radix-accordion-content-height:var(--radix-collapsible-content-height);--radix-accordion-content-width:var(--radix-collapsible-content-width)"></div></div><div data-state="closed" data-orientation="vertical" class="border-b border-green-dark/10 scroll-mt-28" data-faq="faq-3"><div class="flex" data-orientation="vertical" data-state="closed"><button type="button" aria-expanded="false" data-state="closed" data-orientation="vertical" id="radix-_R_15inpfguivb_" class="flex flex-1 items-center justify-between gap-3 py-5 text-left font-display text-lg text-green-dark transition-all [&amp;[data-state=open]&gt;svg]:rotate-180" data-radix-collection-item="">Can a company cancel a loan application after obtaining financing?<svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-chevron-down h-5 w-5 shrink-0 text-green-dark transition-transform duration-200" aria-hidden="true"><path d="m6 9 6 6 6-6"></path></svg></button></div><div data-state="closed" id="radix-_R_35inpfguivb_" hidden="" role="region" aria-labelledby="radix-_R_15inpfguivb_" data-orientation="vertical" class="overflow-hidden text-sm text-green-dark/80 transition-all data-[state=closed]:animate-accordion-up data-[state=open]:animate-accordion-down" style="--radix-accordion-content-height:var(--radix-collapsible-content-height);--radix-accordion-content-width:var(--radix-collapsible-content-width)"></div></div><div data-state="closed" data-orientation="vertical" class="border-b border-green-dark/10 scroll-mt-28" data-faq="faq-4"><div class="flex" data-orientation="vertical" data-state="closed"><button type="button" aria-expanded="false" data-state="closed" data-orientation="vertical" id="radix-_R_1dinpfguivb_" class="flex flex-1 items-center justify-between gap-3 py-5 text-left font-display text-lg text-green-dark transition-all [&amp;[data-state=open]&gt;svg]:rotate-180" data-radix-collection-item="">Can a company modify its loan application once it has been published on the platform?<svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-chevron-down h-5 w-5 shrink-0 text-green-dark transition-transform duration-200" aria-hidden="true"><path d="m6 9 6 6 6-6"></path></svg></button></div><div data-state="closed" id="radix-_R_3dinpfguivb_" hidden="" role="region" aria-labelledby="radix-_R_1dinpfguivb_" data-orientation="vertical" class="overflow-hidden text-sm text-green-dark/80 transition-all data-[state=closed]:animate-accordion-up data-[state=open]:animate-accordion-down" style="--radix-accordion-content-height:var(--radix-collapsible-content-height);--radix-accordion-content-width:var(--radix-collapsible-content-width)"></div></div></div>
40<a class="mt-8 inline-block text-green-dark underline underline-offset-4 hover:text-yellow" href="/en/faqs">View more FAQs</a></div></section></div></div>
40<script>$RS=function(a,b){a=document.getElementById(a);b=document.getElementById(b);for(a.parentNode.removeChild(a);a.firstChild;)b.parentNode.insertBefore(a.firstChild,b);b.parentNode.removeChild(b)};$RS("S:1","P:1")</script>
40<script>self.__next_f.push([1,"4c:[[\"$\",\"section\",null,{\"ref\":\"$undefined\",\"className\":\"bg-white py-16 md:py-24 lg:py-28\",\"children\":[\"$\",\"div\",null,{\"className\":\"container-cresor\",\"children\":[\"$\",\"div\",null,{\"className\":\"grid gap-12 lg:grid-cols-12 lg:items-center\",\"children\":[[\"$\",\"div\",null,{\"className\":\"lg:col-span-7\",\"children\":[[\"$\",\"h2\",null,{\"className\":\"font-display text-4xl md:text-5xl lg:text-6xl text-green-dark\",\"children\":\"We connect businesses with investors.\"}],[\"$\",\"div\",null,{\"className\":\"mt-6 h-px w-24 bg-yellow\"}],[\"$\",\"p\",null,{\"className\":\"text-base leading-relaxed text-green-dark/85 font-normal mt-6\",\"children\":\"We connect your business with our investor community to obtain a fixed-rate loan, quickly and 100% online. Ideal for working capital, growth or specific project needs.\"}],[\"$\",\"$L22\",null,{\"href\":\"/promotores?tab=empresas#solicitar\",\"variant\":\"primary\",\"className\":\"mt-8\",\"children\":\"Request financing\"}]]}],[\"$\",\"div\",null,{\"className\":\"lg:col-span-5\",\"children\":[\"$\",\"div\",null,{\"className\":\"mx-auto max-w-sm\",\"children\":[\"$\",\"$L54\",null,{\"campaign\":{\"id\":9699,\"tituloCampaign\":\"Financiacion linea metal (42ª Op)\",\"nombreEmpresa\":\"Limsa\",\"widgetImageUrl\":\"https://stockcrowdin-public.s3.amazonaws.com/2026/090203/Captura_de_pantalla_2025-11-13_a_las_13.49.09_1_1_1_1_2_1_1_1_1_3_1.png\",\"urlImagenEmpresa\":\"https://stockcrowdin-public.s3.amazonaws.com/MigracionFAN_20250923/test/resources/sc/2022/101105/Captura_de_pantalla_2022-10-11_a_las_16.52.41_1_1.png\",\"tipoCampaign\":\"411\",\"tipoCampaignDescription\":\"Préstamo Empresas\",\"estado\":\"F\",\"objetivo\":350000,\"recaudado\":350000,\"restante\":0,\"aportacionMinima\":200,\"interesAnual\":6.3,\"rtotal\":2.1,\"horizonte\":4,\"tirAnualEsperada\":null,\"totalParticipantes\":82,\"diasRestantes\":-32,\"fechaInicio\":1788789600000,\"fechaFin\":1788789600000,\"proximaPublicacion\":false,\"ocultarPopupWeb\":true,\"ciudad\":\"Barcelona\",\"tipoInmueble\":null,\"ratingGlobal\":\"8\",\"ratingPromotor\":null,\"ratingPromocion\":null,\"existeAvalista\":false,\"ocultarRentabilidad\":true,\"interesDemora\":12.98,\"frecuenciaDevolucion\":\"A vencimiento\",\"tipoAmortizacion\":\"A vencimiento\",\"situacion\":\"En Plazo\",\"fechaVencimientoInicial\":1800054000000,\"fchRegistroUltimaSolicitudConfirmada\":1788792420000},\"privacyHref\":\"/web-api/documentos/WEB-PP\"}]}]}]]}]}]}],[\"$\",\"section\",null,{\"ref\":\"$undefined\",\"className\":\"bg-cream py-16 md:py-24 lg:py-28\",\"children\":[\"$\",\"div\",null,{\"className\":\"container-cresor\",\"children\":[[\"$\",\"span\",null,{\"className\":\"inline-block rounded-full bg-yellow/20 px-4 py-1.5 text-xs font-medium uppercase tracking-wider text-green-dark\",\"children\":\"Business financing\"}],[\"$\",\"h2\",null,{\"className\":\"font-display text-4xl md:text-5xl lg:text-6xl text-green-dark mt-6\",\"children\":\"Do you want to finance a business project?\"}],[\"$\",\"p\",null,{\"className\":\"text-base leading-relaxed text-green-dark/85 font-normal mt-6 max-w-3xl\",\"children\":\"We offer a fixed-rate loan designed for companies with a proven track record, solvency and repayment capacity.\"}],[\"$\",\"div\",null,{\"className\":\"mt-12 grid gap-8 lg:grid-cols-2\",\"children\":[[\"$\",\"div\",null,{\"className\":\"rounded-2xl bg-green-dark p-8 text-cream\",\"children\":[[\"$\",\"div\",null,{\"className\":\"flex items-center gap-4\",\"children\":[[\"$\",\"div\",null,{\"className\":\"flex h-12 w-12 items-center justify-center rounded-full bg-yellow text-green-dark\",\"children\":[\"$\",\"$L29\",null,{\"ref\":\"$undefined\",\"iconNode\":\"$7:props:inmobiliario:2:props:children:props:children:1:props:children:props:items:0:props:children:0:props:iconNode\",\"className\":\"lucide-euro h-6 w-6\",\"strokeWidth\":2}]}],[\"$\",\"h3\",null,{\"className\":\"font-display text-2xl text-cream\",\"children\":\"Fixed-rate business loan\"}]]}],[\"$\",\"p\",null,{\"className\":\"text-base leading-relaxed font-normal mt-6 text-cream/80\",\"children\":\"Fixed-rate financing to cover working c
40apital, investment or growth needs, with terms tailored to your business.\"}],[\"$\",\"div\",null,{\"className\":\"mt-6 flex flex-wrap gap-3\",\"children\":[[\"$\",\"span\",null,{\"className\":\"rounded-full border border-cream/25 px-4 py-1.5 text-sm text-cream/90\",\"children\":\"Up to 48 months\"}],[\"$\",\"span\",null,{\"className\":\"rounded-full border border-cream/25 px-4 py-1.5 text-sm text-cream/90\",\"children\":\"Fixed rate\"}]]}],[\"$\",\"div\",null,{\"className\":\"mt-8\",\"children\":[\"$\",\"$L22\",null,{\"href\":\"/promotores?tab=empresas#solicitar\",\"variant\":\"primary\",\"children\":\"Request financing\"}]}]]}],\"$L56\"]}]]}]}],\"$L57\"]\n"])</script>
40<script>self.__next_f.push([1,"56:[\"$\",\"div\",null,{\"className\":\"rounded-2xl bg-white p-8 ring-1 ring-green-dark/10\",\"children\":[[\"$\",\"h3\",null,{\"className\":\"font-display text-green-dark text-2xl\",\"children\":\"Minimum requirements\"}],[\"$\",\"ul\",null,{\"className\":\"mt-6 space-y-4\",\"children\":[[\"$\",\"li\",\"Company resident in Spain\",{\"className\":\"flex items-center gap-3 text-green-dark/85\",\"children\":[[\"$\",\"$L29\",null,{\"ref\":\"$undefined\",\"iconNode\":[[\"circle\",{\"cx\":\"12\",\"cy\":\"12\",\"r\":\"10\",\"key\":\"1mglay\"}],[\"path\",{\"d\":\"m9 12 2 2 4-4\",\"key\":\"dzmm74\"}]],\"className\":\"lucide-circle-check h-5 w-5 shrink-0 text-yellow\",\"strokeWidth\":2}],[\"$\",\"span\",null,{\"children\":\"Company resident in Spain\"}]]}],[\"$\",\"li\",\"Minimum 3 years of activity\",{\"className\":\"flex items-center gap-3 text-green-dark/85\",\"children\":[[\"$\",\"$L29\",null,{\"ref\":\"$undefined\",\"iconNode\":\"$56:props:children:1:props:children:0:props:children:0:props:iconNode\",\"className\":\"lucide-circle-check h-5 w-5 shrink-0 text-yellow\",\"strokeWidth\":2}],[\"$\",\"span\",null,{\"children\":\"Minimum 3 years of activity\"}]]}],[\"$\",\"li\",\"Minimum turnover of €400,000\",{\"className\":\"flex items-center gap-3 text-green-dark/85\",\"children\":[[\"$\",\"$L29\",null,{\"ref\":\"$undefined\",\"iconNode\":\"$56:props:children:1:props:children:0:props:children:0:props:iconNode\",\"className\":\"lucide-circle-check h-5 w-5 shrink-0 text-yellow\",\"strokeWidth\":2}],[\"$\",\"span\",null,{\"children\":\"Minimum turnover of €400,000\"}]]}],[\"$\",\"li\",\"No payment default alerts in credit behaviour files\",{\"className\":\"flex items-center gap-3 text-green-dark/85\",\"children\":[[\"$\",\"$L29\",null,{\"ref\":\"$undefined\",\"iconNode\":\"$56:props:children:1:props:children:0:props:children:0:props:iconNode\",\"className\":\"lucide-circle-check h-5 w-5 shrink-0 text-yellow\",\"strokeWidth\":2}],[\"$\",\"span\",null,{\"children\":\"No payment default alerts in credit behaviour files\"}]]}]]}]]}]\n57:[\"$\",\"$L51\",null,{\"steps\":\"$14:props:messages:promotores:processEmpresas:steps\",\"title\":\"How does it work? Step by step\",\"subtitle\":\"100% online process, agile and with no hidden costs.\",\"cta\":\"I want tailored financing\",\"ctaHref\":\"/promotores?tab=empresas#solicitar\"}]\n"])</script>
40<div hidden id="S:2"><section class="bg-white py-16 md:py-24 lg:py-28"><div class="container-cresor"><div class="grid gap-12 lg:grid-cols-12 lg:items-center"><div class="lg:col-span-7"><h2 class="font-display text-4xl md:text-5xl lg:text-6xl text-green-dark">We connect businesses with investors.</h2><div class="mt-6 h-px w-24 bg-yellow"></div><p class="text-base leading-relaxed text-green-dark/85 font-normal mt-6">We connect your business with our investor community to obtain a fixed-rate loan, quickly and 100% online. Ideal for working capital, growth or specific project needs.</p><a class="inline-flex items-center justify-center gap-2 rounded-full text-center font-body transition-all duration-300 focus-visible:outline-2 focus-visible:outline-offset-2 focus-visible:outline-yellow disabled:pointer-events-none disabled:opacity-60 bg-yellow text-black hover:bg-yellow-soft hover:-translate-y-0.5 px-8 py-3 text-base mt-8" href="/en/promotores?tab=empresas#solicitar">Request financing</a></div><div class="lg:col-span-5"><div class="mx-auto max-w-sm"><article class="flex h-full flex-col overflow-hidden rounded-lg border border-green-dark/15 shadow-[0_1px_2px_rgba(0,0,0,0.04)] transition-all duration-300 hover:-translate-y-1 hover:shadow-xl bg-white"><div class="flex items-start justify-between px-5 pt-5"><span class="inline-flex items-center gap-1.5 rounded-sm px-2.5 py-1 text-xs font-medium bg-[#e08176] text-white"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="12" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="3" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-check" aria-hidden="true"><path d="M20 6 9 17l-5-5"></path></svg>Funding reached</span><img alt="" loading="lazy" width="32" height="32" decoding="async" data-nimg="1" class="h-8 w-8 object-contain" style="color:transparent" src="/assets/logo-campaign-card.svg"/></div><div class="min-h-18 px-5 pt-3"><p class="font-display text-xl leading-tight text-green-dark truncate">Financiacion linea metal (42ª Op)</p><p class="mt-1 text-xs text-green-dark/60">Barcelona · Limsa</p></div><div class="relative h-44 w-full overflow-hidden"><div class="absolute left-0 right-0 top-0 z-10 flex items-center gap-3 bg-[#E5E5E5] px-5 py-2.5"><span class="text-[10px] font-bold tracking-wider text-green-dark">TIPO</span><span class="text-xs text-green-dark/40">|</span><span class="text-xs text-green-dark">Business fixed-rate loan</span></div><img alt="Financiacion linea metal (42ª Op)" loading="lazy" decoding="async" data-nimg="fill" class="object-cover transition-all duration-300 " style="position:absolute;height:100%;width:100%;left:0;top:0;right:0;bottom:0;color:transparent" sizes="(max-width: 768px) 100vw, (max-width: 1024px) 50vw, 33vw" srcSet="/_next/image?url=https%3A%2F%2Fstockcrowdin-public.s3.amazonaws.com%2F2026%2F090203%2FCaptura_de_pantalla_2025-11-13_a_las_13.49.09_1_1_1_1_2_1_1_1_1_3_1.png&amp;w=256&amp;q=75 256w, /_next/image?url=https%3A%2F%2Fstockcrowdin-public.s3.amazonaws.com%2F2026%2F090203%2FCaptura_de_pantalla_2025-11-13_a_las_13.49.09_1_1_1_1_2_1_1_1_1_3_1.png&amp;w=384&amp;q=75 384w, /_next/image?url=https%3A%2F%2Fstockcrowdin-public.s3.amazonaws.com%2F2026%2F090203%2FCaptura_de_pantalla_2025-11-13_a_las_13.49.09_1_1_1_1_2_1_1_1_1_3_1.png&amp;w=640&amp;q=75 640w, /_next/image?url=https%3A%2F%2Fstockcrowdin-public.s3.amazonaws.com%2F2026%2F090203%2FCaptura_de_pantalla_2025-11-13_a_las_13.49.09_1_1_1_1_2_1_1_1_1_3_1.png&amp;w=750&amp;q=75 750w, /_next/image?url=https%3A%2F%2Fstockcrowdin-public.s3.amazonaws.com%2F2026%2F090203%2FCaptura_de_pantalla_2025-11-13_a_las_13.49.09_1_1_1_1_2_1_1_1_1_3_1.png&amp;w=828&amp;q=75 828w, /_next/image?url=https%3A%2F%2Fstockcrowdin-public.s3.amazonaws.com%2F2026%2F090203%2FCaptura_de_pantalla_2025-11-13_a_las_13.49.09_1_1_1_1_2_1_1_1_1_3_1.png&amp;w=1080&amp;q=75 1080w, /_next/image?url=https%3A%2F%2Fstockcrowdin-public.s3.amazonaws.com%2F2026%2F090203%2FCaptura_de_pantalla_2025-11-13_a_las_13.49.09_1_1_1_1_2_1_1_1_1_3_1.png&amp;w=1200&amp;q=75 1200w, /_next/image?url=https%3A%2F%2Fstockcrowdin-public.s3.amazonaws.com%2F2026%2F090203%2FCaptura_de_pantalla_2025-11-13_a_las_13.49.09_1_1_1_1_2_1_1_1_1_3_1.png&amp;w=1920&amp;q=75 1920w, /_next/image?url=https%3A%2F%2Fstockcrowdin-public.s3.amazonaws.com%2F2026%2F090203%2FCaptura_de_pantalla_2025-11-13_a_las_13.49.09_1_1_1_1_2_1_1_1_1_3_1.png&amp;w=2048&amp;q=75 2048w, /_next/image?url=https%3A%2F%2Fstockcrowdin-public.s3.amazonaws.com%2F2026%2F090203%2FCaptura_de_pantalla_2025-11-13_a_las_13.49.09_1_1_1_1_2_1_1_1_1_3_1.png&amp;w=3840&amp;q=75 3840w" src="/_next/image?url=https%3A%2F%2Fstockcrowdin-public.s3.amazonaws.com%2F2026%2F090203%2FCaptura_de_pantalla_2025-11-13_a_las_13.49.09_1_1_1_1_2_1_1_1_1_3_1.png&amp;w=3840&amp;q=75"/><span class="absolute left-4 top-12 inline-flex h-10 w-10 items-center justify-center rounded-full text-xs font-medium" style="background-color:#BFE0A1">8</span></div><div class="flex flex-1 flex-col px-5 pb-5 pt-5"><div class="flex items-end justify-between text-xs"><div><div class="font-medium tracking-wider text-green-dark/55">Funded</div><div class="mt-1 flex items-baseline gap-2 font-display text-2xl text-green-dark">350.000 €<!-- --> <span class="inline-flex items-center rounded-sm bg-yellow px-2 py-0.5 text-xs font-medium text-green-dark">100<!-- -->%</span></div></div><div class="text-right"><div class="font-medium tracking-wider text-green-dark/55">Goal</div><div class="mt-1 font-display text-2xl text-green-dark">350.000 €</div></div></div><div class="mt-3 h-1.5 w-full overflow-hidden rounded-full bg-green-dark/10"><div class="h-full bg-green-dark transition-all duration-500" style="width:100%"></div></div><div class="mb-8 mt-5 grid grid-cols-3 gap-3 text-left"><div class="flex flex-col"><div class="text-[10px] font-medium uppercase leading-tight tracking-wider text-green-dark/60">Total return</div><div class="mt-2 font-display text-2xl leading-none text-green-dark">2.1%</div></div><div class="flex flex-col"><div class="text-[10px] font-medium uppercase leading-tight tracking-wider text-green-dark/60">APR</div><div class="mt-2 font-display text-2xl leading-none text-green-dark">6.3%</div></div><div class="flex flex-col"><div class="text-[10px] font-medium uppercase leading-tight tracking-wider text-green-dark/60">Term</div><div class="mt-2 font-display text-2xl leading-none text-green-dark">4 m</div></div></div><a href="https://www.cresor.com/boxweb/dinerario/9699" class="inline-flex items-center justify-center gap-2 text-center font-body transition-all duration-300 focus-visible:outline-2 focus-visible:outline-offset-2 focus-visible:outline-yellow disabled:pointer-events-none disabled:opacity-60 border text-green-dark hover:bg-green-dark hover:text-white mt-auto rounded-sm border-green-dark/30 px-5 py-3 text-sm" target="_blank" rel="noopener noreferrer">More information</a><div class="mt-6 flex items-center justify-between text-xs text-green-dark/55"><span>Funded in &lt; 1 hour</span><span>82<!-- --> <!-- -->investors</span></div></div></article></div></div></div></div></section><section class="bg-cream py-16 md:py-24 lg:py-28"><div class="container-cresor"><span class="inline-block rounded-full bg-yellow/20 px-4 py-1.5 text-xs font-medium uppercase tracking-wider text-green-dark">Business financing</span><h2 class="font-display text-4xl md:text-5xl lg:text-6xl text-green-dark mt-6">Do you want to finance a business project?</h2><p class="text-base leading-relaxed text-green-dark/85 font-normal mt-6 max-w-3xl">
40We offer a fixed-rate loan designed for companies with a proven track record, solvency and repayment capacity.</p><div class="mt-12 grid gap-8 lg:grid-cols-2"><div class="rounded-2xl bg-green-dark p-8 text-cream"><div class="flex items-center gap-4"><div class="flex h-12 w-12 items-center justify-center rounded-full bg-yellow text-green-dark"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-euro h-6 w-6" aria-hidden="true"><path d="M4 10h12"></path><path d="M4 14h9"></path><path d="M19 6a7.7 7.7 0 0 0-5.2-2A7.9 7.9 0 0 0 6 12c0 4.4 3.5 8 7.8 8 2 0 3.8-.8 5.2-2"></path></svg></div><h3 class="font-display text-2xl text-cream">Fixed-rate business loan</h3></div><p class="text-base leading-relaxed font-normal mt-6 text-cream/80">Fixed-rate financing to cover working capital, investment or growth needs, with terms tailored to your business.</p><div class="mt-6 flex flex-wrap gap-3"><span class="rounded-full border border-cream/25 px-4 py-1.5 text-sm text-cream/90">Up to 48 months</span><span class="rounded-full border border-cream/25 px-4 py-1.5 text-sm text-cream/90">Fixed rate</span></div><div class="mt-8"><a class="inline-flex items-center justify-center gap-2 rounded-full text-center font-body transition-all duration-300 focus-visible:outline-2 focus-visible:outline-offset-2 focus-visible:outline-yellow disabled:pointer-events-none disabled:opacity-60 bg-yellow text-black hover:bg-yellow-soft hover:-translate-y-0.5 px-8 py-3 text-base" href="/en/promotores?tab=empresas#solicitar">Request financing</a></div></div><div class="rounded-2xl bg-white p-8 ring-1 ring-green-dark/10"><h3 class="font-display text-green-dark text-2xl">Minimum requirements</h3><ul class="mt-6 space-y-4"><li class="flex items-center gap-3 text-green-dark/85"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-circle-check h-5 w-5 shrink-0 text-yellow" aria-hidden="true"><circle cx="12" cy="12" r="10"></circle><path d="m9 12 2 2 4-4"></path></svg><span>Company resident in Spain</span></li><li class="flex items-center gap-3 text-green-dark/85"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-circle-check h-5 w-5 shrink-0 text-yellow" aria-hidden="true"><circle cx="12" cy="12" r="10"></circle><path d="m9 12 2 2 4-4"></path></svg><span>Minimum 3 years of activity</span></li><li class="flex items-center gap-3 text-green-dark/85"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-circle-check h-5 w-5 shrink-0 text-yellow" aria-hidden="true"><circle cx="12" cy="12" r="10"></circle><path d="m9 12 2 2 4-4"></path></svg><span>Minimum turnover of €400,000</span></li><li class="flex items-center gap-3 text-green-dark/85"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-circle-check h-5 w-5 shrink-0 text-yellow" aria-hidden="true"><circle cx="12" cy="12" r="10"></circle><path d="m9 12 2 2 4-4"></path></svg><span>No payment default alerts in credit behaviour files</span></li></ul></div></div></div></section><section class="bg-cream py-16 md:py-24 lg:py-28"><div class="container-cresor"><h2 class="font-display text-4xl md:text-5xl lg:text-6xl text-green-dark">How does it work? Step by step</h2><p class="text-base leading-relaxed text-green-dark/85 font-normal mt-3">100% online process, agile and with no hidden costs.</p><div class="relative mt-14 hidden md:block" aria-hidden="true"><div class="relative mx-auto" style="padding-left:12.5%;padding-right:12.5%"><div class="absolute top-1/2 h-[2px] -translate-y-1/2 bg-green-dark/15" style="left:12.5%;right:12.5%"></div><div class="absolute top-1/2 h-[2px] -translate-y-1/2 bg-yellow transition-[width] duration-300 ease-out" style="left:12.5%;width:calc((100% - 25%) * 0)"></div><div class="relative flex items-center justify-between"><div class="relative z-10 flex h-12 w-12 items-center justify-center rounded-full border font-display text-lg transition-colors duration-300 border-yellow bg-yellow text-green-dark">01</div><div class="relative z-10 flex h-12 w-12 items-center justify-center rounded-full border font-display text-lg transition-colors duration-300 border-green-dark/20 bg-white text-green-dark/60">02</div><div class="relative z-10 flex h-12 w-12 items-center justify-center rounded-full border font-display text-lg transition-colors duration-300 border-green-dark/20 bg-white text-green-dark/60">03</div><div class="relative z-10 flex h-12 w-12 items-center justify-center rounded-full border font-display text-lg transition-colors duration-300 border-green-dark/20 bg-white text-green-dark/60">04</div></div></div></div><div class="mt-10 grid gap-6 md:grid-cols-2 lg:grid-cols-4"><div class="rounded-2xl bg-white p-7 transition-all duration-500 ease-out will-change-[op
40acity,transform] translate-y-6 opacity-0"><p class="font-display md:text-6xl text-3xl text-yellow md:hidden">01</p><h3 class="font-display text-xl leading-tight text-green-dark mt-3 md:mt-0">Financing request</h3><ul class="mt-4 space-y-2"><li class="flex gap-2"><span class="text-yellow">•</span><span class="text-sm font-normal text-green-dark/80">Initial contact with the commercial team.</span></li><li class="flex gap-2"><span class="text-yellow">•</span><span class="text-sm font-normal text-green-dark/80">Verification of minimum requirements.</span></li></ul></div><div class="rounded-2xl bg-white p-7 transition-all duration-500 ease-out will-change-[opacity,transform] translate-y-6 opacity-0"><p class="font-display md:text-6xl text-3xl text-yellow md:hidden">02</p><h3 class="font-display text-xl leading-tight text-green-dark mt-3 md:mt-0">Analysis and decision</h3><ul class="mt-4 space-y-2"><li class="flex gap-2"><span class="text-yellow">•</span><span class="text-sm font-normal text-green-dark/80">Business study.</span></li><li class="flex gap-2"><span class="text-yellow">•</span><span class="text-sm font-normal text-green-dark/80">Committee evaluation.</span></li><li class="flex gap-2"><span class="text-yellow">•</span><span class="text-sm font-normal text-green-dark/80">Communication of the decision.</span></li></ul></div><div class="rounded-2xl bg-white p-7 transition-all duration-500 ease-out will-change-[opacity,transform] translate-y-6 opacity-0"><p class="font-display md:text-6xl text-3xl text-yellow md:hidden">03</p><h3 class="font-display text-xl leading-tight text-green-dark mt-3 md:mt-0">Publication</h3><ul class="mt-4 space-y-2"><li class="flex gap-2"><span class="text-yellow">•</span><span class="text-sm font-normal text-green-dark/80">Campaign launch.</span></li><li class="flex gap-2"><span class="text-yellow">•</span><span class="text-sm font-normal text-green-dark/80">Transaction financing.</span></li></ul></div><div class="rounded-2xl bg-white p-7 transition-all duration-500 ease-out will-change-[opacity,transform] translate-y-6 opacity-0"><p class="font-display md:text-6xl text-3xl text-yellow md:hidden">04</p><h3 class="font-display text-xl leading-tight text-green-dark mt-3 md:mt-0">Formalisation</h3><ul class="mt-4 space-y-2"><li class="flex gap-2"><span class="text-yellow">•</span><span class="text-sm font-normal text-green-dark/80">Contract signing.</span></li><li class="flex gap-2"><span class="text-yellow">•</span><span class="text-sm font-normal text-green-dark/80">Disbursement of funds.</span></li><li class="flex gap-2"><span class="text-yellow">•</span><span class="text-sm font-normal text-green-dark/80">Loan monitoring.</span></li></ul></div></div><div class="mt-12 text-center transition-all duration-500 ease-out will-change-[opacity,transform] translate-y-6 opacity-0"><a class="inline-flex items-center justify-center gap-2 rounded-full text-center font-body transition-all duration-300 focus-visible:outline-2 focus-visible:outline-offset-2 focus-visible:outline-yellow disabled:pointer-events-none disabled:opacity-60 bg-yellow text-black hover:bg-yellow-soft hover:-translate-y-0.5 px-8 py-3 text-base" href="/en/promotores?tab=empresas#solicitar">I want tailored financing</a></div></div></section></div>
40<script>$RS("S:2","P:2")</script>
40<script>$RB=[];$RV=function(a){$RT=performance.now();for(var b=0;b<a.length;b+=2){var c=a[b],e=a[b+1];null!==e.parentNode&&e.parentNode.removeChild(e);var f=c.parentNode;if(f){var g=c.previousSibling,h=0;do{if(c&&8===c.nodeType){var d=c.data;if("/$"===d||"/&"===d)if(0===h)break;else h--;else"$"!==d&&"$?"!==d&&"$~"!==d&&"$!"!==d&&"&"!==d||h++}d=c.nextSibling;f.removeChild(c);c=d}while(c);for(;e.firstChild;)f.insertBefore(e.firstChild,c);g.data="$";g._reactRetry&&requestAnimationFrame(g._reactRetry)}}a.length=0};
41$RC=function(a,b){if(b=document.getElementById(b))(a=document.getElementById(a))?(a.previousSibling.data="$~",$RB.push(a,b),2===$RB.length&&("number"!==typeof $RT?requestAnimationFrame($RV.bind(null,$RB)):(a=performance.now(),setTimeout($RV.bind(null,$RB),2300>a&&2E3<a?2300-a:$RT+300-a)))):b.parentNode.removeChild(b)};$RC("B:0","S:0")</script>
41</body></html>

Line numbers count LF bytes from the start of the resource, as the search results do. Vendor segments are library code the classifier recognised; they are stored but not indexed. Bytes are shown as Latin1 characters, one per byte.