Best-of listing · 13 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)
6.0% return
210 reviews
4.50 /5
02
Fagura
SME · Romania · since 2021 · ECSP
10.0% return
43 reviews
4.50 /5
03
Crowdpear
Real estate · Lithuania · since 2021 · ECSP · Asset-backed (mortgage / collateral)
11.0% return
26 reviews
4.10 /5
04
Urbanitae
Real estate · Spain · since 2019 · ECSP
16.0% return
333 reviews
4.00 /5
05
Lendahand
SME · Netherlands · since 2013 · ECSP
8.0% return
309 reviews
4.00 /5
06
Robocash
SME · Croatia · since 2018 · ECSP · 30-day buyback
10.5% return
215 reviews
4.00 /5
07
Lendermarket
SME · Ireland · since 2016 · ECSP · 60-day buyback
15.6% return
500 reviews
4.00 /5
08
InRento
Real estate · Lithuania · since 2020 · ECSP · Asset-backed (mortgage / collateral)
12.4% return
42 reviews
4.00 /5
09
Profitus
Real estate · Lithuania · since 2017 · ECSP · Asset-backed (mortgage / collateral)
11.4% return
206 reviews
4.00 /5
10
PeerBerry
Real estate · Croatia · since 2017 · ECSP · Group-level buyback
11.0% return
319 reviews
3.50 /5
11
Esketit
Personal loans · Ireland · since 2020 · ECSP · 60-day buyback
12.9% return
256 reviews
3.50 /5
12
Goparity
Startups · Portugal · since 2018 · ECSP
5.4% return
120 reviews
3.50 /5
13
Anaxago
Real estate · France · since 2012 · ECSP
4.0% return
0 reviews
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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