Best-of listing · 13 plateformes
Best ECSP-licensed crowdlending platforms
Plateformes de la catégorie « Best ECSP-licensed crowdlending platforms », classées par score global. Ouvrez n'importe quelle fiche pour une revue approfondie et l'historique complet des avis investisseurs.
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Note globale
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Composite des avis investisseurs vérifiés, de la revue éditoriale et du statut réglementaire.
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C
CivisLend
1801 avis
4,50
/5
C
Crowdpear
31 avis
4,50
/5
F
Fagura
67 avis
4,50
/5
U
Urbanitae
333 avis
4,00
/5
L
Lendahand
352 avis
4,00
/5
R
Robocash
245 avis
4,00
/5
L
Lendermarket
709 avis
4,00
/5
I
InRento
54 avis
4,00
/5
P
Profitus
616 avis
4,00
/5
P
PeerBerry
280 avis
3,50
/5
E
Esketit
273 avis
3,50
/5
G
Goparity
141 avis
3,50
/5
A
Anaxago
957 avis
3,30
/5
Avantages
- 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.
Risques
- 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.
Choisir une plateforme dans «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.
Questions fréquentes.
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.
Collections liées
Best crowdlending platforms
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Real-estate crowdfunding
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