Estadísticas del mercado

Consulta las cifras oficiales del mercado y la cobertura de nuestro catálogo.

The official EU picture

€4.25bnFunding raisedEU ECSP reporting, calendar year 2024
181Active providersProviders that raised funding in 2024
21Member statesCountries hosting active providers in 2024
88%Retail investorsShare in the ESMA 2024 reporting sample

Source: ESMA Market Report 2025, reporting year 2024. This covers ECSP crowdfunding, not the whole European online lending market. Annual funding is not assets under management or lifetime funding. Read the primary report. Source checked: 2026-10-12.

Funding by instrument

Loans58%58%
Debt securities23%23%
Capital12%12%
Other instruments / rounding7%7%

Largest funding markets

Annual funding, € billions, 2024. Rounded figures.

Francia1,451,45
Países Bajos1,01,00
España0,450,45
Italia0,290,29
Lituania0,280,28

Inside the TopLending catalogue

These counts are calculated from currently active catalogue records. They describe our coverage, not market shares. Missing data is excluded from the median, never treated as zero.

29Active profiles
11,0%Median advertised return27 / 29 profiles with a rate
10 / 29Numeric loan term available
19 / 29Investor count available

Advertised rates can represent different products and calculation conventions. The median is a catalogue summary, not a forecast. Registered accounts are not unique investors; we do not add them into a European investor total.

Catalogue platforms by country
PaísProfiles
España4
Estonia4
Francia4
Letonia4
Lituania3
Croacia2
Irlanda2
Austria1
Finlandia1
Países Bajos1
Portugal1
Rumanía1
Suiza1

What about defaults?

Market size does not tell you how much investors lose. Read the separate credit-data table for dated observations with their definitions and sources. Explore default & loss data.

TopLending research: market figures checked against ESMA, with catalogue statistics calculated from our active profiles. We keep annual funding, assets under management and cumulative funding separate.