Best-of listing · 13 plataformas
Best ECSP-licensed crowdlending platforms
Plataformas da categoria «Best ECSP-licensed crowdlending platforms», ordenadas por pontuação global. Abra qualquer entrada para uma análise aprofundada e o histórico completo de opiniões.
Ordenação
Avaliação global
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Composição de opiniões verificadas de investidores, revisão editorial e situação regulatória.
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C
CivisLend
1801 opiniões
4,50
/5
C
Crowdpear
31 opiniões
4,50
/5
F
Fagura
67 opiniões
4,50
/5
U
Urbanitae
333 opiniões
4,00
/5
L
Lendahand
352 opiniões
4,00
/5
R
Robocash
245 opiniões
4,00
/5
L
Lendermarket
709 opiniões
4,00
/5
I
InRento
54 opiniões
4,00
/5
P
Profitus
616 opiniões
4,00
/5
P
PeerBerry
280 opiniões
3,50
/5
E
Esketit
273 opiniões
3,50
/5
G
Goparity
141 opiniões
3,50
/5
A
Anaxago
957 opiniões
3,30
/5
Prós
- 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.
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.
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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