Frequently Asked Questions


Brickfy is the peer-to-peer lending marketplace specialyzed in property-backed and business loans.

Brickfy connects investors with borrowers of various loan originators from around the world. It is an easy and transparent alternative to the traditional banking system.

At Brickfy, both retail and institutional investors can invest in fractions of loans originated across different continents. Currently, we offer the opportunity to invest in mortgage loans.

By connecting to the Brickfy marketplace, loan originators get instant access to investors that are looking to purchase loans.

It is very easy. All you need to do is fill out our registration form here.

After you will required to pass our KYC process by filling the form.

At the moment we offer wire transfer to add money to your Brickfy account.

You will have to transfer money to our Partner Bank 'Paysera LT', UAB.

To learn more, go to your Deposit page by logging in here.

Individuals and companies can invest through Brickfy. Investors must be at least 18 years old, have a bank account in the European Union or third countries currently considered to have AML/CFT systems equivalent to the EU, and have their identity successfully verified by Brickfy.

US and UK citizens, residents or taxpayers currently can’t invest on Brickfy

Yes, companies can invest through Brickfy.

Companies will need to sign in as a company and pass the KYB process.

As with any investment, there are some risks. The biggest risk is associated with possible credit losses from investments. The following measures have been taken by Brickfy and loan originators to mitigate the risk:

  1. All loans are issued according to the established policies of the loan originators, which take into account the borrower's ability to repay the loan;
  2. For certain types of loans (e.g. mortgage loans or vehicle loans), the client has offered collateral to be used to recover the loan in the case of default, thereby lowering credit loss risk;
  3. For certain loans (e.g. business loans), other credit enhancements are obtained, such as a personal guarantee;
  4. For certain loans, the loan originator has provided a buyback guarantee, which means that if the loan is delayed by more than 60 days, the loan originator repurchases the investment for the nominal value of the principal and the accrued interest till the date of repurchase.

Investors can mitigate risks by diversifying - making fractional investments in several loans across different borrowers, loan types, loan originators, and geographies.

The income earned at Brickfy is taxed for each investor based on the legislation of the respective country where the investor is a tax resident. As laws vary in each country, please consult an appropriate revenue service or a tax specialist for more information. Each investor can receive extensive information necessary for tax returns when logged into their Brickfy investor account. Below you can find more information about tax implications for tax residents of selected countries. The information provided does not constitute tax advice. All investors should seek independent tax advice.

The minimum investment in any single loan on the primary market is EUR 10. There is no minimum for investments in the secondary market.

Investing through Brickfy is free of charge. There are no fees for opening an investor account and no fees for depositing or withdrawing funds. There is also no service fee, or any other fee charged to investors.

You will receive invested money as defined in each loan payment schedule, which depends on the loan term and loan amortization method. If you would like to get your money back faster than it is scheduled, you can sell your investment in the secondary market. The secondary market allows you to add a premium or discount to your investment sale. You can read more about this in the FAQ Investing section.

In the unlikely event that a deal partner goes out of business, we have put in place arrangements to ensure that investors continue to receive payments on the loans in which they have invested in through the Brickfy marketplace.

On Brickfy, there are two types of loans - loans with the Direct and Indirect Structure. You can select which loan types you would like to invest in using the “Investment Structure” filter on the Primary and Secondary Market.

Direct Structure

When you invest in a loan, you are buying claim rights against the borrower based on an assignment agreement. Borrowers make payments on their loans to the respective loan originator, and in turn, the loan originator and Brickfy distribute payments to investors. In the event that a loan originator fails or becomes insolvent, assignment agreements would remain in place and be unaffected.

As per the assignment agreement and cooperation agreement with Brickfy, in the event of the insolvency of the loan originator, Brickfy as a representative of the investor, would take over the management of the claim from the loan originator and recall authorisation of the investor to the loan originator or implement another strategy which would be to the best benefit of the investor. This means the loan originator would no longer be managing the borrowers' payments. After having taken over the management of the claim from the loan originator, Brickfy would be entitled to transfer the management of the claim to any third party at Brickfy’ discretion. This means that Brickfy as a representative of the investor would inform the borrower of the assignment and direct continued payments to Brickfy or any third party at Brickfy discretion.

The transition from the loan originator servicing its payments to Brickfy taking over this process may not happen immediately. The length of time for the transition depends on the legal obligations of the loan originator.

In the unlikely event of Brickfy folding, investors will be given full information from the Brickfy database on the transactions they have concluded within the framework of the marketplace. The Brickfy liquidator or administrator will take all necessary actions to transfer the servicing of all loans and investments to an appropriate manager. In order to ensure the implementation of the aforementioned provision, Brickfy and the law firm FORT have entered into a contract of bailment under which each month Brickfy transfers data media containing all current data from Brickfy to FORT, which accepts the data for storage.


Please inform us about the error as soon as possible. Payments may be processed more slowly if there are incorrect payment details.

We accept SEPA money transfers from bank accounts or payment services in the European Economic Area and also in Australia, Brazil, Republic of South Africa, Hong Kong, India, Japan, Canada, South Korea, Mexico, Singapore and Switzerland.

If your bank does not use SEPA transfers, please contact our investor service team to find the best way for you to transfer money to Brickfy.

'Paysera LT', UAB is a payment service we use to receive your transfers.

The money will convert automatically according to the currency exchange rate of the respective bank (Brickfy does not know that rate), or it will be returned to the sender. There may be some loss of funds, due to the exchange rate or bank commission for returning incorrect payment.

No. As required by law, deposits are only accepted from accounts in the same name as the Brickfy investor account.


First, you need to sign-up and have available funds in your account at Brickfy to make investments. Learn how to transfer funds to your Brickfy account in the FAQ Getting Started section.

Once you have sufficient funds, browse loans in our invest section which you will be able to the current listed opportunities on Brickfy marketplace in either the primary or secondary market and select loans individually to build your portfolio.

Invest funds in the selected loans or their parts, with the option of reinvesting funds received from borrower payments.

Interest is calculated on a daily basis and it is measured against the amount you have invested in loans on a respective day. The formula for calculating interest is as follows:

Invested amount * Amount of days * Interest rate/360

The phrase “skin in the game” is commonly used in the corporate finance industry and refers to when an owner(s) or principals of an investment vehicle maintain an equity stake in circumstances where outside investors are seeking to invest. This is to ensure the interests of the originator of the asset are aligned with the interests of the investor, as both sides have a stake in the investment.

On Brickfy, skin in the game follows this concept. All loan originators that place loans on the marketplace are required to keep a certain percentage of each loan, which is their stake in the loan. For example, if a loan originator with 10% skin in the game issues a EUR 1 000 loan to a borrower and then places this loan on the Brickfy marketplace, only EUR 900 of this loan will be available for investors to invest in and the loan originator will keep a stake of EUR 100.

For most situations on Brickfy, the investment is done through the direct structure, which is the assignment of the loan to investors. Skin in the game of 10% would imply that up to 90% of the particular loan's principal can be assigned to investors.

In some cases, due to legal requirements, the indirect structure is used. The same amount of exposure of the underlying loan to the ultimate borrower will become available for investment as with the direct structure and the loan originator will still keep 10% risk associated with the loan.

Therefore regardless of the structure, the loan originator will maintain the skin in the game. On Brickfy, when we use the term “skin in the game” it is in reference to both the direct and indirect structures on Brickfy.

Each borrower makes monthly payments according to their loan agreements, which can consist of principal, interest and late payment fees, or any combination of the above.

The principal part of the payment reduces the carrying value of your investment in the loan, while the interest and late payment fee portion of the payment is treated as your income.

You portion of the payment, which is calculated based on your investment in any particular loan, will be added to your Brickfy account after the payment has been processed. You can then choose to invest the funds in more loans or transfer them to your bank or e-money account. Because different loans have different payment due dates, most investors with multiple investments see a continuous stream of payments added to their Brickfy account throughout the month.

Once you have reviewed and confirmed your investment, you cannot cancel the investment.


At the moment we only use EUR, we are working to add more currencies.


We can only transfer money to a bank account of which you are the account holder, this is a necessary precaution taken to protect our investors and comply with anti-money laundering (AML) requirements. The most convenient and cost-effective way to add a new bank account, from which you can withdraw money from your Brickfy wallet, is to top up your Brickfy wallet by wire transfer from the account you want to add. All bank accounts used to transfer money to Brickfy will be registered under your profile, and you will be able to choose from any of these accounts when requesting the withdrawal.

The minimum amount to withdraw is 100€.

Brickfy imposes no charges for a withdrawal.

However, your bank or money transfer service provider may charge additional fees for transfers. Please consult your bank or money transfer service provider to identify any such fees.

It usually takes 2-5 business days to withdraw money to a bank account in the Euro zone. Withdrawals outside the Euro zone may take a bit longer, depending on your bank.

At Brickfy we work with an accuracy of 4 decimal places to allow for greater precision in the distribution of interest even if your investment is small. Unfortunately, banks only allow transfers with an accuracy of 2 decimals, so even if you see thousandths of a euro in your Dashboard is impossible to withdraw it.


You can find the Terms and Conditions of our Referral Program here, and you can always find the latest details in your dashboard (in the 'Referral Program' section).

All Brickfy registered clients get the individual referral link, generated by the Platform. This link can be sent via e-mail or placed in any public Internet resources wherever it does not contradict the thematic content of such a resource and is not prohibited by the site owner and/or its terms of use.

No, you must be registered with Brickfy: only once your account is verified will you get your verification code (unique and non-transferable) in your control panel.

The referral commission on investments will be paid during the first 90 days from the date when you, or a friend invited by you, invested your funds into Brickfy’s projects.

You can earn up to €105.00 for each friend you invite, but there is no limit to the number of friends you can invite. So there is no limit to the total amount you can earn with our Referral Program, the more friends you invite the more money you can earn!

Referral commissions will be added to your Brickfy account automatically after you, or your friend, make your first deposit or invest, during the 90 days after registration.

Amounts received through the Referral Program cannot be withdrawn directly, but must first be invested through Brickfy in any of the loans available on the platform. Once that money is returned in the different payments of the invested projects, that money will be free to be withdrawn or reinvested again.


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