Best-of listing · 13 plataformas
Best ECSP-licensed crowdlending platforms
Plataformas de la categoría «Best ECSP-licensed crowdlending platforms», ordenadas por puntuación global. Abre cualquier entrada para una reseña en profundidad y todo el historial de opiniones.
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C
CivisLend
210 reseñas
4,50
/5
F
Fagura
43 reseñas
4,50
/5
C
Crowdpear
26 reseñas
4,10
/5
U
Urbanitae
333 reseñas
4,00
/5
L
Lendahand
309 reseñas
4,00
/5
R
Robocash
215 reseñas
4,00
/5
L
Lendermarket
500 reseñas
4,00
/5
I
InRento
42 reseñas
4,00
/5
P
Profitus
206 reseñas
4,00
/5
P
PeerBerry
319 reseñas
3,50
/5
E
Esketit
256 reseñas
3,50
/5
G
Goparity
120 reseñas
3,50
/5
A
Anaxago
0 reseñas
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.
Riesgos
- 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.
Elegir una plataforma en «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.
Preguntas frecuentes.
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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