Frequently asked questions

InRento is a licensed crowdfunding platform that allows investors to earn monthly investment income and potentially receive additional capital gains at the end of a project. Investments are made in real estate projects secured by a first-ranking mortgage.

The platform connects investors with real estate companies developing rental, renovation, and conversion projects. These investments provide investors with monthly income while also contributing to urban renewal and development.

Since launching in 2020, InRento has delivered strong results. No project on the platform has ever defaulted, investors have not experienced financial losses, and many projects have generated returns above initial forecasts. These results place InRento among the strongest performers in the European crowdfunding market.

In recognition of its innovation and technological solutions, InRento was named the Best Investment Technology Platform at the European FinTech Awards

By investing through InRento, you can earn income from real estate projects and access investment opportunities that would often require significantly more capital to pursue independently.

Key benefits of investing through InRento:

Investments in established real estate
InRento focuses primarily on projects involving existing, developed properties rather than new-build construction from the ground up. These projects may generate income from rental activities or hotel operations. However, all investments carry risks, and returns are not guaranteed.

Monthly interest and the potential for additional returns
You can receive monthly interest on your investments. At the end of a project, you may also receive an additional capital gain, if provided for in the terms of the specific project. The amount may be fixed or linked to the project's performance.

Contributing to urban regeneration
By investing through InRento, you can support real estate projects that renovate older or underutilised buildings and adapt them for new purposes. Depending on the project, this can help make better use of existing infrastructure and contribute to more attractive urban environments.

Investments secured by real estate
InRento investments are secured by a first-ranking mortgage over real estate. At origination, the loan amount does not exceed 70% of the property's value, as determined by an independent valuation report. Many projects also include a guarantee from the project owner, providing an additional form of security. However, these security measures do not guarantee that your invested capital will be repaid in full

InRento specialises in real estate projects that can generate income from rental activities or other property-related operations. The platform finances projects involving existing, developed properties, such as rental properties, building renovations, conversions and hotels. Value is created by improving the condition, use or management of these properties.

Investors can receive monthly interest and may also earn an additional capital gain at the end of a project, if provided for in the project terms. This gain may be fixed or linked to the project's performance.

Some short-term rental projects also offer investors the opportunity to benefit from a Timeshare arrangement, allowing them to stay in the property for a certain number of nights free of charge. The availability of this benefit and the number of nights offered depend on the amount invested and the terms of the specific project

InRento is a licensed crowdfunding platform supervised by the Bank of Lithuania. However, even when a platform operates in accordance with regulatory requirements, there is still a risk that it may become insolvent or cease operations.

If InRento were to cease operations, the investment agreements between investors and project owners would remain in force. Under InRento's contractual terms, in the event of liquidation or bankruptcy, these agreements will continue to be performed as if they had been entered into without the platform's involvement.

InRento is required under the EU Crowdfunding Regulation to maintain a business continuity plan. In such circumstances, the plan provides for loan administration to be taken over by a designated loan administrator, who would ensure the continued administration of loans and the fulfilment of related obligations.

Please note that investments are not covered by deposit guarantee schemes, and InRento’s insolvency does not automatically guarantee the repayment of your invested capital or accrued interest. Recovery would depend on the specific project, the project owners’ ability to meet their obligations, and the possibility of recovering the outstanding debt

Getting started with investing through InRento is simple – just follow these steps.

1. Register
Create an account on the InRento platform and join our investor community

2. Verify your identity
Complete the identity verification process to confirm your identity.

3. Choose a payment service provider
Select one of the available payment service providers: Paysera or Mangopay.

4. Add funds to your account
Once you have registered and completed the required verification steps, add funds to your account by bank transfer, following the instructions provided on the platform.

5. Choose a project and invest

Browse the available real estate projects and review their terms and associated risks, including the project's Key Investment Information Sheet (KIIS). When you find a project that suits your investment goals, enter the amount you wish to invest and click Invest

InRento is supervised by the Bank of Lithuania and operates in accordance with European Union regulations governing crowdfunding service providers and applicable Lithuanian legislation.

For more information about InRento and its authorisation, visit the Bank of Lithuania's website:
https://www.lb.lt/lt/finansu-rinku-dalyviai/uab-inrent

InRento's share capital amounts to EUR 694,673.74.

Investing through InRento involves risks. You may lose some or all of your invested funds and may not earn the expected return.

The main risks are:

• Credit risk. The project owner may pay interest late, fail to repay the loan on time, or not repay it at all.
• Collateral value risk. The value of the mortgaged property may fall, and the proceeds from its sale may not be enough to cover the full debt.
• Recovery time risk. Recovering a debt from mortgaged property can take from several months to several years, depending on the legal system and procedures in the country where the property is located.
• Liquidity risk. Your investment is illiquid until the project ends. You can try to sell it earlier on the Secondary Market, but there is no guarantee that you will find a buyer or sell at your preferred price.
• Platform risk. InRento could become insolvent or cease operations (see ‘What happens to my investments if InRento goes bankrupt?’).
   

Important: Investments are not covered by deposit guarantee schemes. Before investing, assess your ability to bear potential losses and read the full description of investment risks

The mortgage is registered in the name of InRento, acting as the investors’ representative, for the benefit of the investors.

InRento’s insolvency does not, in itself, terminate the loan agreement or the mortgage. The loan agreement is concluded between the investors and the project owner, and the mortgaged property generally belongs to the project owner. Therefore, the property does not automatically become part of InRento’s insolvency estate. However, the administration of investments and the fulfilment of related obligations may be delayed. The subsequent administration of the loan and enforcement of the mortgage would depend on the documentation of the specific project and applicable laws

If you are dissatisfied with InRento’s services, you can submit a complaint by email to info@inrento.com. We handle complaints in accordance with our Complaints Handling Procedure and respond within 15 business days. If you are a consumer and are not satisfied with our response, you may refer the dispute to the Bank of Lithuania for out-of-court resolution.

Before investing through InRento, you must open an account with one of the available payment service providers: Paysera or Mangopay. Your funds are held with your chosen payment service provider, rather than directly in an InRento account.

InRento does not hold investors' funds directly. Client funds are kept separate from InRento's own funds.

Both Paysera and Mangopay are licensed financial institutions supervised by the relevant financial regulatory authorities.

Paysera LT, UAB – electronic money institution licensed by the Bank of Lithuania (licence No. 1; Bank of Lithuania authorisation code LB000251): https://www.lb.lt/en/sfi-financial-market-participants/paysera-lt-uab

Mangopay S.A. – electronic money institution authorised by the Commission de Surveillance du Secteur Financier (CSSF), Luxembourg (Luxembourg Trade and Companies Register No. B173459): https://searchentities.apps.cssf.lu/search-entities/entite/details/9651?lng=en&q=&st=advanced&entNames=mangopay

You can add funds to your InRento account in just a few simple steps:

1. Log in to your InRento account.
2. Open the Portfolio section and select Add funds.
3. Choose a payment service provider – Paysera or Mangopay – if you have not already done so.
4. Make a bank transfer by following the instructions displayed on the platform.
    

You can add funds by making a bank transfer from an account in your own name with a bank operating within the European Union.

If you want to change your payment service provider, please email us at info@inrento.com. Our team will explain the steps you need to follow.

If you use Mangopay, to withdraw funds, log in to your InRento account, go to the “Portfolio” section, and click the “Withdraw Funds” button on the left-hand side.

If you use Paysera, to make a transfer, log in to your Paysera account via the mobile app or website.

You can invest through InRento if you are an adult individual or a legal entity with a bank account or another account used for payments. Before you start investing, you must verify your identity and choose one of the payment service providers: Paysera or Mangopay.

The minimum investment amount per project is EUR 500.

You can find information about the fees applicable to investors on the InRento Price List page.

The money transfer process depends on which payment service provider you use: Mangopay or Paysera.

If you use Mangopay
When you invest in a project: The funds are transferred from your Mangopay account to a separate project account, where they are reserved for your investment.

Once the project is fully funded: After the property mortgage has been registered, the funds are transferred to the project owner's Mangopay account and then to their bank account.

If the project is cancelled: The reserved funds are returned to your Mangopay account.

If you use Paysera
When you invest in a project: The funds are reserved in your Paysera account.

Once the project is fully funded: After the property mortgage has been registered, the funds are transferred to an escrow account controlled by Paysera and then to the project owner's bank account.

If the project is cancelled: The reserved funds are returned to your Paysera account.

If the loan is paid out in tranches
Undisbursed funds are reserved or transferred to a separate escrow account designated for the specific project. The funds are transferred to the project owner once the required funding amount has been fully raised, the necessary security measures have been duly provided, and all conditions set out in the agreements have been fulfilled.

Interest starts accruing on the date the funds are transferred to the project owner and is paid monthly on the date specified in the project’s special conditions. Interest payments are transferred to your InRento wallet.

If the project owner repays the loan early, investors receive their invested capital and any interest due under the terms of the loan agreement. The exact repayment procedure and interest calculation depend on the specific project’s loan agreement.

Yes. Investors may withdraw their investment offer within 4 calendar days of submitting it, without providing a reason and without any penalties. This withdrawal option applies only to investments on the primary market. It does not apply to investments made on the secondary market or through Grand Sale.

If the project owner delays interest payments or loan repayment, InRento contacts them to seek an agreement on settling the outstanding debt. Late payment interest is charged on overdue amounts and, once recovered, is distributed to investors.

If an agreement cannot be reached, InRento may terminate the loan agreement and initiate debt recovery proceedings against the mortgaged property.

In Poland, the project owner agrees to enforcement by way of a notarial deed under Article 777 of the Polish Code of Civil Procedure. This allows enforcement to be initiated through a simplified procedure without lengthy court proceedings to establish the debt itself.

The recovery process may take from several months to several years, depending on the country in which the property is located. Any recovered funds are distributed among investors in proportion to their respective investment shares, after applicable deductions.

Investors are kept informed about the project status and recovery progress by email and through the news section on the project page.

Two-factor authentication (2FA) is an additional security measure that helps protect your InRento account. In addition to your usual login details, you will need to enter an extra code to verify your identity.

InRento uses the Google Authenticator app, which generates one-time verification codes.

If you enable 2FA, you will need to enter the code displayed in the Google Authenticator app on your mobile device each time you log in to your InRento account. This adds an extra layer of security, making it harder for someone to access your account even if they know your login details.

To add an extra layer of security to your InRento account, follow these steps:

• Log in to your InRento account.
• Open the Account section and select Two-factor authentication.
• Follow the on-screen instructions to enable 2FA and scan the QR code using the Google Authenticator app.
• Enter the code generated by the app to complete the setup.
   

Once 2FA is enabled, you will need to enter a code generated by the Google Authenticator app each time you log in to your InRento account.

If you cannot log in to your InRento account using two-factor authentication (2FA), or if the feature is not working, please contact our customer support team at info@inrento.com.

Our team will help you identify the issue and explain how to regain access to your account.

The Secondary Market is a place where you can sell an investment you already hold to another investor or buy an investment that another investor is selling.

This allows you to sell your investment before the project ends or purchase an investment in an ongoing project from another investor.

The Secondary Market operates as a bulletin board, as provided for in the EU crowdfunding regulation: investors advertise their interest in selling or buying investments. It is not a regulated market or trading venue, so there is no guarantee that you will find a buyer or be able to sell at your preferred price.

A fee of 2% of the sale price currently applies when you sell an investment on the Secondary Market. Premium investors may be eligible for discounts on this fee.

A discount means selling your investment for less than its nominal value. For example, if an investment has a nominal value of EUR 1,000 and you sell it at a 5% discount, the sale price will be EUR 950.

A premium means selling your investment for more than its nominal value. For example, if an investment has a nominal value of EUR 1,000 and you sell it at a 5% premium, the sale price will be EUR 1,050.

Grand Sale is an InRento secondary market feature that allows investors who have invested more than EUR 50,000 to sell their investments in smaller portions. This gives other investors the opportunity to purchase a share of an already funded project and acquire the associated rights.

Income earned from investing through InRento may be subject to tax. The taxes that apply and how you need to declare your income depend on your tax residency and individual circumstances.

For more information about the taxation of investment income, please visit this page.

You can find your tax report by logging in to your InRento account and opening the Taxes section. Your tax report will be available there.

If you are not a Lithuanian tax resident, you can submit a completed and signed DAS-1 form and a tax residency certificate by email to info@inrento.com, using “Withholding Tax” as the email subject. Depending on your country of tax residence and the applicable double taxation treaty, the withholding tax rate may be reduced.

You can find more information here.

Please note that the tax residency certificate and any other required documents must be submitted every calendar year.

If you would like to close your InRento account, please email us at info@inrento.com. Our team will explain the steps you need to follow to close your account.

If you wish to close your account but still have active investments, you must first sell them on the secondary market or wait until the investments are repaid.

If you use Mangopay and have a remaining balance in your account, you must transfer the funds to your personal bank account before closing your account. Once you no longer have any active investments and your account balance is zero, you can submit a request to close your account.

Sometimes identity verification fails because the document photo is too dark, blurry, or does not show the entire document. Don't worry – in many cases, you can resolve the issue by trying again and following a few simple tips.

What can you try?

• Choose a well-lit place. Natural daylight works best. Avoid strong shadows and reflections.
• Make sure your document is clearly visible. Photograph the entire document, including all four corners. Check that the text is sharp and easy to read.
• Try using another device. If you cannot verify your identity using a computer, try your phone. Its camera may help you take a clearer photo.

If you still cannot verify your identity, please email us at info@inrento.com. Our team will help you identify the issue and explain what to do next.

InRento processes personal data in accordance with the General Data Protection Regulation (GDPR) and other applicable laws and regulations.

For more information about the personal data we collect, how we use and protect it, and your rights regarding your personal data, please read our Privacy Policy.

A cash flow is the movement of money into or out of your InRento wallet. Each cash flow is recorded with a specific date and is included in the calculation of your investment returns.

Negative cash flow occurs when money leaves your wallet. This includes investments in projects and purchases on the secondary market, including Grand Sale.

Positive cash flow occurs when money enters your wallet. This includes interest received, late payment interest, capital growth, returned investments and sales on the secondary market, including Grand Sale.

When calculating your investment returns, InRento takes into account your entire investment history on the platform, not just the last 12 months.

The current portfolio value is the total value of the investments you still hold. It represents the amount you would receive if all your outstanding investment principal were repaid and all accrued interest, after tax, were paid today.

Your current portfolio value consists of:

• Outstanding investment principal – the portion of your invested capital that you have not yet received back.
• Accrued but unpaid interest, after tax – interest you have earned but have not yet received in your account.
   

The value of your investments is calculated differently depending on how you acquired them:

• Direct investments are valued at the outstanding principal amount that has not yet been repaid.
• Investments purchased on the secondary market are valued based on the amount you paid for the portion of the investment you still hold, rather than its nominal value.
   

If debt recovery is under way for a project, during recovery the investment is held at its outstanding principal, and nothing is counted for interest the borrower hasn't paid. Interest is only counted once it's actually recovered and paid out. The return stops counting interest the borrower may never pay, but it doesn't anticipate a principal loss. Any principal loss shows up only when the project is marked "capital lost".

When calculating investment returns, the current portfolio value is included in your cash flow history as a positive cash flow. This means the calculation assumes that you recover the estimated value of your remaining investments today. It does not represent an actual payment into your account.

The total investment return shows how much you have earned or lost compared with the total amount you have invested over the entire investment period. It is expressed as a percentage.

How is the total investment return calculated?
The total amount you have invested is subtracted from the total amount you have received. The result is then divided by the total amount invested and expressed as a percentage.

For example, if you invested EUR 1,000 and earned EUR 100, your total investment return is 10%.

It is important to note that this measure does not take into account how long your money has been invested. Therefore, a return of 10% over one month is considered the same as a return of 10% over five years in terms of total investment return, even though the annualised results differ significantly.

What happens if I reinvest the same money?
Each time you reinvest money, that amount is included again in your total invested amount.

For example, you invest EUR 1,000, receive that amount back and then invest it again. In this case, your total invested amount will be EUR 2,000, even though you have only used EUR 1,000 of your own money.

XIRR is a measure of your annualised investment return that takes into account when you invested your money and when you received payments. It helps you assess investment performance even when investments are made and payments are received at different times.

For example:

If you invest EUR 1,000 and earn EUR 100 after three months, your total investment return is 10%. Since you earned this return in less than a year, your XIRR will be higher than 10%.

If you earned the same EUR 100 over three years, your XIRR would be lower because it took longer to achieve the same return.

How is XIRR calculated?
XIRR takes into account all your cash flows, their dates, and the current value of your remaining investments. This allows your annualised investment return to reflect when you invested your money and when you received it back.

An investor invests EUR 1,000 in Project A on 1 January 2025. Project A pays EUR 20 in interest every quarter and repays the full principal after one year.

On 1 July 2025, the investor also invests EUR 500 in Project B, which is still ongoing.

The portfolio is valued as at 1 January 2026.

This example is simplified: interest is paid quarterly, although InRento projects usually pay interest monthly.

The investor’s cash flows are:

• 1 January 2025 – Investment in Project A −EUR 1,000.
• 1 April 2025 – Interest from Project A +EUR 20.
• 1 July 2025 – Interest from Project A +EUR 20.
• 1 July 2025 – Investment in Project B −EUR 500.
• 1 October 2025 – Interest from Project A +EUR 20.
• 1 October 2025 – Interest from Project B +EUR 10.
• 1 January 2026 – Interest from Project A +EUR 20.
• 1 January 2026 – Principal returned from Project A +EUR 1,000.
• 1 January 2026 – Portfolio Value Today: EUR 500 of outstanding principal from Project B + EUR 10 of earned but unpaid interest.

Total investment return
In this example, you invested a total of EUR 1,500 and, after adding up all the money you received and invested, your profit is EUR 100.

Your total investment return is calculated by dividing your profit by the total amount invested:

EUR 100 ÷ EUR 1,500 × 100 = 6.67%
 

Annualised investment return (XIRR)
XIRR takes into account not only the amounts of money invested and received, but also the dates on which these cash flows occurred.

For example, on 1 July, the system combines an incoming payment of EUR 20 and an investment of EUR 500 into a single cash flow of −EUR 480.

The annualised rate of return is then calculated using the amounts and dates of all cash flows. In this example, the XIRR is 8.23%.

Why are these figures different?
Total investment return shows your overall profit relative to the amount invested, but it does not take into account how long your money was invested.

XIRR also accounts for timing. For example, if you invested EUR 500 for only six months, the profit generated by that amount is assessed in the context of the shorter investment period.

As a result, your total investment return and annualised return can differ even when the overall profit is the same.

Total investment return shows how much you have earned or lost compared with the total amount invested. It does not take into account how long your money has been invested.

XIRR (annualised investment return) shows your annualised investment return, taking into account both the amounts of your cash flows and the dates on which you invested or received money.

In simple terms, total investment return shows your overall investment result, while XIRR helps you understand what annualised return that result represents.

These two measures can therefore differ even when the overall profit is the same.

All cash flows used in the return calculations are net of withholding tax and applicable fees. As a result, your return may be lower than the interest rates shown on project pages, which are before tax.