Digilo is a European real-estate crowdfunding platform for investors who want access to business loans backed by property collateral. In this detailed Digilo review for 2026, we examine the current €15 welcome bonus promoted through P2PRadar, the advertised annual return of 9–12%, the €150 minimum investment, the ECSP licence, Lemonway payments, Auto-Invest, loan-to-value ratios, liquidity limits and the main risks that investors should understand before opening an account.

The short answer is that Digilo is an interesting regulated option for investors seeking mortgage-backed crowdfunding exposure in Europe. However, it is not a savings account and it is not a guaranteed-income product. Property collateral can support recovery after borrower default, but it does not remove credit risk, valuation risk, enforcement delays or the possibility of losing capital.

What is Digilo?

Digilo is operated by CSP Growth Solutions SIA, registration number 40203585248. According to the platform, it connects investors with carefully selected business-loan projects secured by real estate. The official Digilo website describes opportunities backed by residential properties, commercial properties and land across Europe.

The platform advertises the following headline terms:

  • Expected annual return: 9–12%
  • Minimum investment: €150 per project
  • Typical loan terms: 12–36 months
  • Collateral: real estate backing for each investment loan
  • Investment options: manual project selection and Auto-Invest

These figures make Digilo relevant for searches such as “Digilo review”, “Digilo opinions”, “Digilo bonus”, “Digilo returns”, “Digilo Auto-Invest”, “real estate crowdfunding Europe” and “mortgage-backed P2P loans”. They should still be read as product characteristics rather than guarantees.

Is Digilo regulated?

Digilo states that CSP Growth Solutions SIA is a licensed European crowdfunding service provider authorised by the Bank of Latvia on 16 September 2025. Its authorisation allows it to provide crowdfunding services across the European Union. This ECSP status is an important point when comparing Digilo with unregulated P2P lending websites.

The platform also states that it works with Lemonway, a licensed EU payment provider. Lemonway supports payment handling and the investor onboarding process, including identity verification. A regulated structure and a regulated payment partner are positive safeguards, but they do not guarantee investment performance or repayment.

Digilo crowdfunding investments are not bank deposits. They are not protected by deposit guarantee schemes under Directive 2014/49/EU and are not covered by investor compensation schemes under Directive 97/9/EC. Regulation improves transparency and process standards; it does not eliminate risk.

How does investing on Digilo work?

The practical investment process is straightforward:

  1. Create an account: register and complete KYC identity verification.
  2. Fund the account: transfer only money that you can keep invested for the project term.
  3. Review available loans: compare borrower details, property type, location, valuation, LTV, interest rate, term, repayment schedule and risk indicators.
  4. Invest from €150: select a project manually or configure Auto-Invest criteria.
  5. Monitor repayments: follow project updates and diversify returned capital carefully.

The official FAQ says that account verification may require a valid passport or identity card and proof of address such as a utility bill or bank statement. The process generally takes only a few minutes once the documents have been approved.

Digilo returns: can investors really earn 9–12%?

Digilo advertises an expected annual return of 9–12%. This is an attractive target compared with cash accounts and conservative fixed-income products, but it is not guaranteed. The return received by each investor depends on the loans selected, borrower repayment, the time capital remains uninvested, recoveries after any default, taxes and portfolio diversification.

Loan terms are generally shown as 12–36 months. Investors should match those terms with their liquidity needs. A higher advertised interest rate is not automatically better: it may compensate for additional borrower risk, collateral complexity or a longer maturity.

Mortgage-backed loans, collateral and LTV

Every Digilo project should be evaluated individually. One of the most useful metrics is LTV, or loan-to-value ratio. It compares the outstanding loan amount with the assessed value of the property collateral. A lower LTV can offer a larger buffer if the borrower defaults, but it cannot guarantee a complete recovery.

Before investing, review:

  • the identity and activity of the borrower;
  • the purpose of the loan;
  • the property type and geographic location;
  • the valuation date and valuation assumptions;
  • the mortgage ranking and any other claims;
  • the LTV, interest rate, term and repayment structure;
  • the Key Investment Information Sheet (KIIS).

If a borrower defaults, Digilo explains that the property can be sold through an auction process and recovered funds distributed to investors. That recovery can take time, and sale proceeds may not fully cover principal, interest and enforcement costs.

How does Digilo Auto-Invest work?

Digilo offers Auto-Invest for investors who want rules-based allocation. Its terms describe a “Set & Forget” plan and configurable criteria. When activated, the feature can invest available funds held in the investor’s Lemonway account into matching projects without requiring a separate manual decision for every loan.

Auto-Invest can reduce cash drag and make diversification easier, but it does not replace due diligence. Investors should review allocation rules, maximum exposure per loan, risk preferences and available projects regularly. An automated investment carries the same underlying project risk as a manually selected loan.

Digilo bonus: how the €15 welcome offer works

P2PRadar currently promotes a €15 Digilo welcome bonus for eligible new investors who register through the P2PRadar link. A fixed bonus is easy to understand, particularly for beginners testing a platform with a modest initial allocation.

The bonus should remain a secondary consideration. Before registering, read the latest campaign terms directly on Digilo, complete KYC and verify any funding or holding-period requirements. Never use a promotional reward as a reason to ignore investment risk.

Digilo fees and practical costs

Digilo highlights a low entry threshold, transparency and no hidden fees. Investors should nevertheless check the latest platform fee schedule, campaign documents and each KIIS before investing. Practical costs are not limited to explicit charges. Cash drag, delayed repayments, enforcement timelines, tax treatment and the opportunity cost of illiquid capital can all reduce the effective return.

Digilo risks: what can go wrong?

  • Borrower default: a business borrower may fail to repay as agreed.
  • Collateral risk: the property may sell for less than expected.
  • Recovery delay: enforcement and auctions may take time.
  • Liquidity risk: invested capital may not be available when you need it.
  • Concentration risk: placing too much money in one property, borrower, country or platform can magnify losses.
  • Platform risk: Digilo is a newer platform with a shorter public operating history than established competitors.

Who should consider Digilo?

Digilo may suit investors who understand crowdfunding risk and want to diversify a broader portfolio with real-estate-backed loans. It may also interest investors seeking an ECSP-licensed European platform with transparent project metrics and automated allocation.

It is less suitable for investors who need immediate liquidity, guaranteed returns, deposit protection or a savings-like experience. A measured approach is to start small, spread capital across several projects when enough opportunities are available, review every KIIS and keep Digilo as a satellite allocation rather than the core of a portfolio.

Digilo review 2026: final verdict

Digilo is a promising regulated real-estate crowdfunding platform with a clear €150 minimum investment, expected annual returns of 9–12%, mortgage-backed projects, Lemonway payment handling, Auto-Invest and a €15 welcome bonus for eligible new users. Its ECSP licence is a meaningful positive when comparing European crowdfunding platforms.

The correct conclusion is not that Digilo is risk-free. Investors should treat the advertised yield as a target, analyse collateral and LTV carefully, expect limited liquidity and diversify across projects and platforms.

Open a Digilo account and check the €15 welcome bonus