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Best-of listing · 122 platforms

Best ECSP-licensed crowdlending platforms

Platforms in the «Best ECSP-licensed crowdlending platforms» category, ordered by overall score. Open any entry for an in-depth review and the full record of investor feedback.

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Composite of verified investor reviews, editorial review and regulatory standing.

#01
CivisLend
Real estate · Spain · since 2017 · ECSP · Asset-backed (mortgage / collateral)
€120M financed · 6.0% return
1801 reviews
4.50 /5
#02
Crowdpear
Real estate · Lithuania · since 2021 · ECSP · Asset-backed (mortgage / collateral)
€45M financed · 11.0% return
31 reviews
4.50 /5
#03
Fagura
SME · Romania · since 2021 · ECSP
€55M financed · 10.0% return
67 reviews
4.50 /5
#04
Urbanitae
Real estate · Spain · since 2019 · ECSP
€160M financed · 16.0% return
333 reviews
4.00 /5
#05
Lendahand
SME · Netherlands · since 2013 · ECSP
€231M financed · 8.0% return
352 reviews
4.00 /5
#06
Robocash
SME · Croatia · since 2018 · ECSP · 30-day buyback
€1300M financed · 10.5% return
245 reviews
4.00 /5
#07
Lendermarket
SME · Ireland · since 2016 · ECSP · 60-day buyback
€57M financed · 15.6% return
709 reviews
4.00 /5
#08
InRento
Real estate · Lithuania · since 2020 · ECSP · Asset-backed (mortgage / collateral)
€25M financed · 12.4% return
54 reviews
4.00 /5
#09
Profitus
Real estate · Lithuania · since 2017 · ECSP · Asset-backed (mortgage / collateral)
€254M financed · 11.4% return
616 reviews
4.00 /5
#10
PeerBerry
Real estate · Croatia · since 2017 · ECSP · Group-level buyback
€3327M financed · 11.0% return
280 reviews
3.50 /5
#11
Esketit
Personal loans · Ireland · since 2020 · ECSP · 60-day buyback
€1500M financed · 12.9% return
273 reviews
3.50 /5
#12
Goparity
Startups · Portugal · since 2018 · ECSP
€27M financed · 5.4% return
141 reviews
3.50 /5
#13
Anaxago
Real estate · France · since 2012 · ECSP
€900M financed · 4.0% return
957 reviews
3.30 /5
#14
FlexFunding
SME · Denmark · since 2013
700M financed DKK · 10.0% return
0 reviews
2.58 /5
#15
Investown
Real estate · Czech Republic · since 2019
€272M financed · 10.2% return
0 reviews
2.57 /5
#16
Debitum Investments
SME · Latvia · since 2019
€160M financed · 14.8% return
0 reviews
2.55 /5
#17
Crowdestate
Real estate · Estonia · since 2014
€131M financed · 9.5% return
0 reviews
2.54 /5
#18
Dluhopisomat
SME · Czech Republic · since 2017
402M financed CZK · 11.5% return
0 reviews
2.54 /5
#19
Rontgen
Real estate · Lithuania · since 2018
€141M financed · 7.0% return
0 reviews
2.54 /5
#20
InSoil
Sustainability · Lithuania · since 2020
€101M financed · 12.0% return
0 reviews
2.53 /5
#21
Italia Bond
Startups · Italy · since 2013
€12600M financed · 7.0% return
0 reviews
2.53 /5
#22
Letsinvest
Real estate · Lithuania · since 2020
€103M financed · 10.2% return
0 reviews
2.52 /5
#23
SAVY
SME · Lithuania · since 2014
€80M financed · 16.0% return
0 reviews
2.52 /5
#24
Capitalia
SME · Latvia · since 2007
€118M financed · 12.2% return
0 reviews
2.50 /5
#25
Fundimmo
Real estate · France · since 2014
€298M financed · 9.0% return
0 reviews
2.48 /5
#26
EstateGuru
Real estate · Estonia · since 2018
€711M financed · 11.8% return
0 reviews
2.46 /5
#27
WeShareBonds
Real estate · France · since 2015
€133M financed · 10.0% return
0 reviews
2.45 /5
#28
dagobertinvest
Real estate · Austria · since 2016
€150M financed · 8.0% return
0 reviews
2.45 /5
#29
ECCO NOVA
Real estate · Belgium · since 2015
€76M financed · 6.0% return
0 reviews
2.43 /5
#30
Bridge Asset
Real estate · Italy · since 2020
€49M financed · 11.0% return
0 reviews
2.41 /5
#31
CONDA Capital GmbH
SME · Austria · since 2013
€220M financed · 7.0% return
0 reviews
2.41 /5
#32
Enerfip
Green energy · France · since 2015
€5M financed · 9.0% return
0 reviews
2.41 /5
#33
Flolend
Sustainability · France · since 2023
€36M financed · 8.0% return
0 reviews
2.40 /5
#34
LANDE
Farming · Latvia · since 2016
€30M financed · 12.0% return
0 reviews
2.39 /5
#35
LITA.co
Startups · Belgium · since 2014
€150M financed · 2.0% return
0 reviews
2.39 /5
#36
Afranga
Startups · Bulgaria · since 2021
€31M financed · 14.0% return
0 reviews
2.38 /5
#37
Firefish.io
Personal loans · Slovakia · since 2022
€23M financed · 5.0% return
0 reviews
2.38 /5
#38
La Première Brique
Real estate · France · since 2019
€100M financed · 11.0% return
0 reviews
2.38 /5
#39
Les Entreprêteurs
SME · France · since 2016
€106M financed · 6.0% return
0 reviews
2.38 /5
#40
Walliance
Real estate · Italy · since 2017
€105M financed · 9.0% return
0 reviews
2.37 /5
#41
RE-LENDER
Real estate · Italy · since 2019
€38M financed · 9.0% return
0 reviews
2.34 /5
#42
Lendopolis
Green energy · France · since 2014
€218M financed
0 reviews
2.33 /5
#43
ecoligo
Green energy · Germany · since 2017
€40M financed · 5.0% return
0 reviews
2.33 /5
#44
October
Real estate · France · since 2014
€1030M financed
0 reviews
2.32 /5
#45
The Moon Venture
Startups · France · since 2020
€50M financed · 10.0% return
0 reviews
2.31 /5
#46
Recrowd
Real estate · Italy · since 2018
€97M financed · 10.0% return
0 reviews
2.29 /5
#47
Republic Europe
Startups · Ireland · since 2023
£2800M financed · 7.0% return
0 reviews
2.29 /5
#48
Monego
Real estate · France · since 2015
€88M financed · 8.0% return
0 reviews
2.28 /5
#49
Homunity
Real estate · France · since 2014
€7M financed · 9.2% return
0 reviews
2.27 /5
#50
Xavin
Education · Germany · since 2012
€16M financed · 6.0% return
0 reviews
2.27 /5
#51
BUILD LENDERS
Real estate · Italy · since 2020
$51M financed · 10.0% return
0 reviews
2.26 /5
#52
CITESIA
Real estate · France · since 2017
€50M financed · 9.0% return
0 reviews
2.26 /5
#53
Digilo
Real estate · Latvia · since 2016
10.5% return
0 reviews
2.26 /5
#54
Klimja
Sustainability · Austria · since 2016
€10M financed · 7.0% return
0 reviews
2.26 /5
#55
Nectaro
SME · Latvia · since 2023
€50M financed · 13.0% return
0 reviews
2.26 /5
#56
Rendity
Real estate · Austria · since 2015
8.5% return
0 reviews
2.26 /5
#57
Trusters
Real estate · Italy · since 2017
€44M financed · 9.6% return
0 reviews
2.26 /5
#58
zmartup
Real estate · Austria · since 2019
7.0% return
0 reviews
2.26 /5
#59
Engel & Völkers Digital Invest
Real estate · Germany · since 2017
€218M financed · 4.0% return
0 reviews
2.25 /5
#60
Profit Farm
Sustainability · Italy · since 2023
€8M financed · 8.0% return
0 reviews
2.25 /5
#61
OneCrowd
Startups · Germany · since 2011
€128M financed
0 reviews
2.24 /5
#62
Ener2Crowd
Green energy · Italy · since 2018
€22M financed · 4.0% return
0 reviews
2.23 /5
#63
STARSUP
Startups · Italy · since 2013
€7M financed · 9.0% return
0 reviews
2.23 /5
#64
WI Funding
Sustainability · Germany · since 2020
€13M financed · 4.5% return
0 reviews
2.21 /5
#65
finteo
SME · Germany · since 2019
€14M financed · 6.0% return
0 reviews
2.21 /5
#66
FINEXITY
Real estate · Germany · since 2019
5.0% return
0 reviews
2.20 /5
#67
Winwinner
Real estate · Belgium · since 2019
10.0% return
0 reviews
2.20 /5
#68
MF NextEquity
Startups · Italy · since 2014
€4M financed · 11.0% return
0 reviews
2.19 /5
#69
Raize
SME · Portugal · since 2014
6.0% return
0 reviews
2.19 /5
#70
Be My Bond
Real estate · Lithuania · since 2022
8.5% return
0 reviews
2.17 /5
#71
CREDITSHARE
Real estate · Czech Republic · since 2024
8.5% return
0 reviews
2.17 /5
#72
Grow.ly
SME · Spain · since 2013
€32M financed
0 reviews
2.17 /5
#73
Lendino
Real estate · Denmark · since 2014
197M financed DKK
0 reviews
2.17 /5
#74
The Clique
Real estate · France · since 2022
12.0% return
0 reviews
2.17 /5
#75
WE ARE OLIVIA
Real estate · France · since 2024
11.0% return
0 reviews
2.17 /5
#76
Wevest
Real estate · France · since 2023
12.0% return
0 reviews
2.17 /5
#77
arttrade
Art · Germany · since 2021
9.0% return
0 reviews
2.17 /5
#78
CrowdFundMe
SME · Italy · since 2018
€156M financed
0 reviews
2.16 /5
#79
Prepay Investimenti
Real estate · Italy · since 2020
€2M financed · 12.0% return
0 reviews
2.14 /5
#80
UpsideTown
Real estate · Italy · since 2020
€2M financed · 14.0% return
0 reviews
2.14 /5
#81
YELDO CROWD
Real estate · Italy · since 2022
€23M financed · 14.0% return
0 reviews
2.14 /5
#82
CredoFunding
Social cause · France · since 2014
€20M financed
0 reviews
2.13 /5
#83
Concrete Investing
Real estate · Italy · since 2018
€57M financed
0 reviews
2.12 /5
#84
BERGFÜRST
Real estate · Germany · since 2011
5.0% return
0 reviews
2.11 /5
#85
Beefordeal
Real estate · France · since 2016
8.0% return
0 reviews
2.11 /5
#86
Bolero Crowdfunding
Real estate · Belgium · since 2014
7.0% return
0 reviews
2.11 /5
#87
Bondea
Real estate · Lithuania · since 2024
€3M financed · 9.3% return
0 reviews
2.11 /5
#88
Brick up
Real estate · Italy · since 2019
13.0% return
0 reviews
2.11 /5
#89
ClubFunding
Real estate · France · since 2014
7.0% return
0 reviews
2.11 /5
#90
CrowdedHero
Real estate · Latvia · since 2019
20.0% return
0 reviews
2.11 /5
#91
DKB Crowd
Green energy · Germany · since 2019
6.0% return
0 reviews
2.11 /5
#92
Ecozins
Green energy · Germany · since 2019
3.0% return
0 reviews
2.11 /5
#93
Eurivex
Startups · Cyprus · since 2009
4.0% return
0 reviews
2.11 /5
#94
Evenfi
SME · Spain · since 2017
7.0% return
0 reviews
2.11 /5
#95
Exporo
Real estate · Germany · since 2014
5.4% return
0 reviews
2.11 /5
#96
Finbee
SME · Lithuania · since 2015
14.9% return
0 reviews
2.11 /5
#97
FinoMark
Real estate · Lithuania · since 2019
11.0% return
0 reviews
2.11 /5
#98
Finple
SME · France · since 2013
9.5% return
0 reviews
2.11 /5
#99
Fundhero
Real estate · Belgium · since 2014
4.5% return
0 reviews
2.11 /5
#100
GreenVesting
Green energy · Germany · since 2012
3.4% return
0 reviews
2.11 /5
#101
Isicrowd
Real estate · Italy · since 2020
€1M financed · 11.0% return
0 reviews
2.11 /5
#102
Look&Fin
Real estate · Belgium · since 2012
5.0% return
0 reviews
2.11 /5
#103
Mercurcap
Real estate · Germany · since 2020
4.5% return
0 reviews
2.11 /5
#104
My Capital Immo
Real estate · France · since 2004
7.0% return
0 reviews
2.11 /5
#105
Münch Energie
Green energy · Germany · since 2004
4.0% return
0 reviews
2.11 /5
#106
Nordstreet
Real estate · Lithuania · since 2017
12.5% return
0 reviews
2.11 /5
#107
Okeilo
Real estate · Czech Republic · since 2020
10.0% return
0 reviews
2.11 /5
#108
Pariter Equity
Startups · Italy · since 2020
9.0% return
0 reviews
2.11 /5
#109
Pretup
SME · France · since 2014
8.0% return
0 reviews
2.11 /5
#110
Prexem
SME · France · since 2014
10.0% return
0 reviews
2.11 /5
#111
Proximea
Real estate · France · since 2015
8.0% return
0 reviews
2.11 /5
#112
RECrowd
Real estate · Austria · since 2018
5.0% return
0 reviews
2.11 /5
#113
ROCKETS Home
Real estate · Austria · since 2015
6.0% return
0 reviews
2.11 /5
#114
ROCKETS Lion
SME · Austria · since 2016
5.0% return
0 reviews
2.11 /5
#115
Raizers
Real estate · Belgium · since 2014
9.9% return
0 reviews
2.11 /5
#116
Tokeportal
Real estate · Malta · since 2017
14.0% return
0 reviews
2.11 /5
#117
VR Crowd
SME · Germany · since 2018
4.0% return
0 reviews
2.11 /5
#118
Viainvest
SME · Czech Republic · since 2016
13.0% return
0 reviews
2.11 /5
#119
Villyz
SME · France · since 2020
1.0% return
0 reviews
2.11 /5
#120
WIWIN
SME · Germany · since 2016
3.4% return
0 reviews
2.11 /5
#121
bettervest
Green energy · Germany · since 2012
6.0% return
0 reviews
2.11 /5
#122
zinsbaustein.de
Real estate · Germany · since 2016
6.0% return
0 reviews
2.11 /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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