1st.finance

How it works.

Own a share of real, income-producing property — held in dedicated SPVs, backed 1:1, from $100. Here's exactly how it works.

The steps

  1. We select the asset

    Our team vets each property or business for quality and fundamentals.

  2. We structure it

    Each asset is bought and held in its own dedicated SPV that holds legal title.

  3. You invest from $100

    You buy a share of that SPV; your token is the receipt for a real, legally-titled interest.

  4. You earn as it performs

    You receive distributions of net income (rental income is expected), as and when generated, in line with the SPV's documents.

  5. You exit at the end

    You hold until the asset is sold or refinanced, then receive proceeds pro rata.

Ready to look at live opportunities?

Create your account to see full listings, documents and pricing.

Every deal is vetted before it reaches you.

Opportunities pass through the same four stages. Anything that fails a stage is dropped — it never appears on the platform.

STAGE 1

Sourcing

Opportunities come from our partner network of agencies, developers and owners.

STAGE 2

Screening

We check location, title, condition, tenancy and cost base against our criteria.

STAGE 3

Diligence

Legal, financial and technical review, plus SPV structuring and documentation.

STAGE 4

Offered to investors

Only assets that clear every stage are published on the platform.

What you're actually buying

Real ownership

The SPV holds legal title to the asset and your share of that SPV is documented in its registers and your signed agreements.

Held 1:1

Your interest maps to the real asset behind it. There is no synthetic exposure, leverage overlay or pooled index.

Independent custody

Regulated custody partners hold client assets separately from the platform's own balance sheet.

Clear terms

Fees are shown upfront in each offering's documents. Returns are expected or projected — never guaranteed.

Questions, answered

Start with $100.

Open your account in a couple of minutes. No obligation to invest.