Gathering data

Crowd with Us Review

Crowd with Us Statistics

GB
  • Business name: Crowd with Us
  • Legal name: Crowd with Us Limited
  • Jurisdiction: United Kingdom
  • Type: Crowdfunding
  • Average score:
    0 / 5
Promised annual return

18.0 %

Sneakypeer scoring

5.3

Transparency

61%

Secondary Info
  • Total invested: €15.3M
  • Buyback guarantee: Unknown
  • Secondary market: Unknown
  • Licensed: Unknown
Loan Types
Real estate loans
Development loans
Equity crowdfunding

Crowd with Us Description

General Information

Crowd with Us is a crowdfunding platform that was founded in 2017 in the United Kingdom, and to date, more than EUR 15 million have been invested in different projects through the platform. Crowd with Us offers mainly equity crowdfunding and development loans. The platform does not have an Investment Brokerage/ Crowdfunding licence.

Board & Team

The platform provides the names of board members and some employees on their web page. The owners are also mentioned there. The board members are experienced in the financial industry with academic background related to this industry.

Financial Analysis

Crowd with Us does not publish its annual reports on their webpage. It is not known whether the annual reports are being audited; audited reports are more reliable. Looking at the financial figures-ratios, it can be analyzed that the platform’s quick ratio is lower than 1. So, it means that Crowd with Us did not have sufficient current assets to finance its short term obligations. The debt to equity ratio is higher than 5, meaning the company is heavily funded by debt. Furthermore, the return on assets is low, so there is room for improvement. Overall, the financial health of Crowd with Us signals for necessity of changes.

Platform’s Score and Uniqueness

The platform does not offer a secondary market feature, while autoinvest is available. There is no buyback guarantee, however, there is collateral backing the loan with the LTV being above market average. The investment can be diversified using different projects, and the promised return is around 18% depending on projects, which is above average market return. The high return is not justified on the platform's website. The platform representatives and the company itself can be found in the registered address. There is no sign of conflict of interest between the investment projects and platform’s owners. The platform does not provide historical loan books, which could be useful in building trust and attracting more investors.

Conclusion

Crowd with Us is a crowdfunding platform based in the UK, offers high return without a clear justification. The platform does not provide a secondary market but has an autoinvest feature.  The financial health of the platform should be improved. Annual reports are not available on the web page as well as the historical loan books. Some potential red flags include the company's high dependence on debt and low liquidity.