Individual Courses
Self-contained educational modules. Each one focuses on a specific aspect of crowdlending or collective real estate financing. Read in any order or follow the suggested sequence.
Educational content only. These modules explain how financial structures work. They are not financial advice and do not recommend any course of action. Numerovix does not raise funds or manage investments.
Start with the fundamentals
These modules require no prior knowledge. They cover the vocabulary and concepts that appear throughout every other module.
What is crowdlending?
The term crowdlending combines "crowd" and "lending." This module unpacks the concept from first principles — what it means for multiple people to collectively provide financing for a project, and why real estate became a common use case.
Crowdlending vs. crowdfunding
These two terms are often confused. Crowdfunding encompasses donations and equity participation. Crowdlending specifically refers to lending — a participant provides capital with an expectation of repayment and potential return. The distinction matters legally and practically.
Why real estate?
Real estate projects have specific characteristics that made them a natural fit for collective financing. This module examines why: tangible assets, defined timelines, and the historical demand for capital in construction and development.
How the structures work
Once you understand the basics, these modules go deeper into how projects are organized, documented, and managed.
Legal structures in Argentine crowdlending
Projects are not structured identically. Some use fideicomiso (trust) arrangements, others use sociedades, and others rely on different instruments. This module describes the most common legal vehicles used in Argentina without interpreting their suitability for any specific case.
Due diligence concepts
Before any project reaches participants, platforms typically conduct a review. This module explains what due diligence means in this context — what is typically examined, who performs it, and what its limitations are. Understanding what due diligence can and cannot guarantee is important.
Return structures explained
How returns are calculated, communicated, and distributed varies across projects. This module describes the types of return structures that appear in crowdlending — fixed rate, profit-sharing, hybrid — without evaluating or recommending any particular approach.
Understanding risk in collective financing
All financial structures carry risk. This module discusses the categories of risk that appear in real estate crowdlending — construction risk, market risk, platform risk, and legal risk — and how each one operates conceptually. This is not a risk assessment tool.
Before approaching a platform
What to understand before you engage with any crowdlending platform in Argentina.
What questions to ask
This module outlines the categories of information that are generally relevant when evaluating any crowdlending opportunity — project documentation, platform regulation, fund custody, and exit conditions. It does not evaluate specific platforms.
Regulatory context in Argentina
Crowdlending in Argentina operates within a regulatory environment that continues to develop. This module describes the current general landscape, the role of the CNV, and why the regulatory context matters when evaluating any platform's claims about compliance.
Is this for you?
Not every financial structure is appropriate for every person. This module helps readers identify what type of participant they might be — not to direct a decision, but to clarify what participation actually involves and what it demands in terms of time, attention, and tolerance for uncertainty.
Have a topic you'd like us to cover?
If there's a specific aspect of crowdlending or collective real estate financing you'd like explained, reach out. We consider reader requests when planning new content.
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