Best-of listing · 13 Plattformen

Best ECSP-licensed crowdlending platforms

Plattformen in der Kategorie „Best ECSP-licensed crowdlending platforms“, geordnet nach Gesamtwertung. Öffnen Sie einen Eintrag für ein ausführliches Review und alle Anlegerbewertungen.

Sortierung

Gesamtwertung ↓

Zusammengesetzt aus verifizierten Anlegerbewertungen, redaktioneller Prüfung und regulatorischem Status.

#01

CivisLend

Real estate · Spain · seit 2017 · ECSP · Asset-backed (mortgage / collateral)

€120M financed · 6,0% return

1801 Bewertungen

4,50 /5

#02

Crowdpear

Real estate · Lithuania · seit 2021 · ECSP · Asset-backed (mortgage / collateral)

€45M financed · 11,0% return

31 Bewertungen

4,50 /5

#03

Fagura

SME · Romania · seit 2021 · ECSP

€55M financed · 10,0% return

67 Bewertungen

4,50 /5

#04

Urbanitae

Real estate · Spain · seit 2019 · ECSP

€160M financed · 16,0% return

333 Bewertungen

4,00 /5

#05

Lendahand

SME · Netherlands · seit 2013 · ECSP

€231M financed · 8,0% return

352 Bewertungen

4,00 /5

#06

Robocash

SME · Croatia · seit 2018 · ECSP · 30-day buyback

€1300M financed · 10,5% return

245 Bewertungen

4,00 /5

#07

Lendermarket

SME · Ireland · seit 2016 · ECSP · 60-day buyback

€57M financed · 15,6% return

709 Bewertungen

4,00 /5

#08

InRento

Real estate · Lithuania · seit 2020 · ECSP · Asset-backed (mortgage / collateral)

€25M financed · 12,4% return

54 Bewertungen

4,00 /5

#09

Profitus

Real estate · Lithuania · seit 2017 · ECSP · Asset-backed (mortgage / collateral)

€254M financed · 11,4% return

616 Bewertungen

4,00 /5

#10

PeerBerry

Real estate · Croatia · seit 2017 · ECSP · Group-level buyback

€3327M financed · 11,0% return

280 Bewertungen

3,50 /5

#11

Esketit

Personal loans · Ireland · seit 2020 · ECSP · 60-day buyback

€1500M financed · 12,9% return

273 Bewertungen

3,50 /5

#12

Goparity

Startups · Portugal · seit 2018 · ECSP

€27M financed · 5,4% return

141 Bewertungen

3,50 /5

#13

Anaxago

Real estate · France · seit 2012 · ECSP

€900M financed · 4,0% return

957 Bewertungen

3,30 /5

Pros

Single EU rulebook on conduct and disclosure.
Standardised Key Investment Information Sheet (KIIS) per project.
Capital and prudential requirements supervised by the national regulator.
EU passporting — no extra licence needed to onboard investors in other member states.

Risks

ECSP only covers projects up to €5 M / 12 months — beyond that, MiFID applies.
Supervision intensity varies meaningfully between national regulators.
A licence is not a guarantee — loan defaults are still the investor’s risk.

How to choose

Picking a platform in «Best ECSP-licensed crowdlending platforms».

National supervisor: CNMV, AMF, AFM, Bank of Lithuania each have different track records.
Licence date: longer time under the ECSP regime means more operational evidence.
KIIS quality: read a sample — clear KIIS is a leading indicator of platform discipline.

FAQ

Frequently asked.

Does an ECSP licence protect my capital?

No. It covers conduct, capital, disclosure and complaint handling on the platform. Loans you fund are still subject to borrower default — there is no deposit-insurance equivalent.

Can an ECSP-licensed platform passport into my country?

Yes — once authorised in any EU member state, the platform can offer services to retail investors across the EU without a separate licence, subject to notification to the host regulator.

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