Kuetzal review

Kuetzal review

Kuetzal’s overview

Kuetzal is a crowdlending platform for business and real-estate projects. Most investments yield interest rates higher than 15%, for duration of one year and more.

My opinion on Kuetzal

For investors who can accept to take some risks by investing in loans that aren’t guaranteed, Kuetzal is a great complement to Envestio, CrowdEstate and Crowdestor.

Detailed ratings

Interest rates

Interest rates are great; however, investors should keep in mind that the projects don’t come with a buyback guarantee.

Loans liquidity

The loans amounts are rather large, but there aren’t many of them.


Statistics are currently very basics.

Buyback guarantee

There’s no buyback guarantee.

Website ergonomics

The website is rather simple but pleasant to use.

Kuetzal’s pros & cons


  • Kuetzal Care guarantee means that these projects will get funded
  • Very interesting returns


  • Minimal investment amount is €100 per project

Loans characteristics

Loans duration

More than 1 year

Loans kind



Minimal investment


Buyback guarantee

NO buyback guarantee



Overview of Kuetzal’s loans

All loans are in Euro, with durations between 12 months and 48 months. Most of them have fixed interest rates, ranging from 11% to 21%. Currently, there’s also one loan offering a 6% minimal interest, which can increase up to 15%; however, no detail is provided on the final interest rate computation. I’ve contacted Kuetzal regarding this, and they should update the FAQ to clarify this mechanism.

The amount financed varies greatly from one project to another, but most are at least €100 000. As of late December 2018, the total value of the available projects is around five million euros !

While the website provides an indication of the amount already financed, the deadline for the projects doesn’t appear anywhere.

Current loans mostly finance Latvian companies, although one of them is for a UK firm. The projects financed belong to various sectors :

  • real-estate
  • online payment solutions
  • trailer and truck reseller
  • crypto-mining
Kuetzal’s loans list

One interesting aspect is that projects covered by the Kuetzal Care feature (currently all of them) are guaranteed to be funded. Another advantage is that interests are computed from the day the investment is made; there’s no need to wait for complete funding.

Minimal investment amount per project is €100, identical to many competitors’s amount. However, the invested amount doesn’t have to be a multiple of €100, which is nice when it comes to re-investing interests.

Overall, Kuetzal looks a lot like Crowdestor in terms of financed projects and returns.

Buyback guarantee

As usual with business and real-estate projects, Kuetzal doesn’t provide a buyback guarantee for these projects.

Please note that the term Buyback guarantee appears for most projects, but it reflects the opportunity to sell your investment back to the platform (see Early exit below).

Platforms features

Early exit

Early exit available for selected loans


NO auto-invest

Early exit

Kuetzal doesn’t offer a secondary market. However, most investments can be withdrawn from, although there’s a steep 10% associated fee. There’s a small bit of confusion regarding the name of this feature, it’s called Investment Return in the FAQ, and Buyback guarantee everywhere else in the website.

Auto-invest feature

Currently, only manual investing is possible. I’m not fond of auto-invest for business projects anyway; moreover, the small number of available projects makes it easy to invest manually. I only wish we could get notified of new projects by e-mail, though !

Website’s ease of use



Funding methods

Available languages & translations quality

Kuetzal‘s website is only available in English. Apart from a few typos that will get corrected, the English translation is great.

Registration process

Registering with Kuetzal is very quick and easy. There’s no KYC (Know Your Costumer) procedure for now, so investors don’t even need to upload a copy of their id.

Account funding

The only way to fund your account is through a SEPA transfer. For some reason, two bank accounts numbers are displayed, but only one is to be used; this is a bit confusing.

There was a slight delay in processing my deposit, but it was probably due to Christmas holidays.

Website’s design and ergonomics

Thanks to its simplicity, Kuetzal‘s website is very easy to navigate. One minor annoyance is that it’s impossible to open several projects on new tabs, as the links use JavaScript.


The reporting for investments is simple, but features a useful repayment schedule. Unfortunately, the statistics page doesn’t work.

Actual performance of my Kuetzal portfolio

I just started investing so I don’t have any return yet. I expect to be able to publish them as soon as early February, as the projects I invested in yield interests monthly.

Kuetzal’s competitors

Kuetzal‘s main competitors are Envestio, Crowdestor and CrowdEstate as these platforms also feature non-guaranteed or partially guaranteed loans.

In addition, Grupeer offers real-estate and business loans with a buyback guarantee. The lower returns are the price to pay for the buyback guarantee – but with 14% interest rate, it’s hard to complain ! -. Investors who want to start investing in loans other than individual loans should start there, before trying their hand at non-guaranteed loans.

For non-guaranteed loans, CrowdEstate‘s returns are usually lower, but this platform has been around for a long time, which gives them a lot of credibility. Envestio‘s projects are the most speculative; I really appreciate the dynamism of this platform which features many new loans frequently. They also provide a partial buyback guarantee, which is better than none !

At the same time, Kuetzal and Crowdestor are obviously also excellent choices; their projects offer great returns and provide an opportunity to diversify your portfolio. It’s always great to have more choice, and I’m thrilled to have new investment opportunities thanks to Kuetzal !

Kuetzal’s facts and figures


Tallinn, Estonia

As of December 2018

Who can invest

There are no geographical and nationality restrictions to become an investor at Kuetzal. As a general practice, we do not accept investors as well as projects related to, or coming from blacklist countries.
Kuetzal FAQ


Please note that this review may contain affiliate links. It means that I will earn a commission if you decide to invest after clicking through the link – at no additional cost to you, of course -. Please understand that I have experienced all of these companies, and I recommend them because they are helpful and useful, not because of the commissions I make if you decide to invest through my links.

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