Best-of listing · 13 plateformes
Best ECSP-licensed crowdlending platforms
Plateformes de la catégorie « Best ECSP-licensed crowdlending platforms », classées par score global. Ouvrez n'importe quelle fiche pour une revue approfondie et l'historique complet des avis investisseurs.
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Composite des avis investisseurs vérifiés, de la revue éditoriale et du statut réglementaire.
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CivisLend
210 avis
4,50
/5
Fagura
43 avis
4,50
/5
Crowdpear
26 avis
4,10
/5
Urbanitae
333 avis
4,00
/5
Lendahand
309 avis
4,00
/5
Robocash
215 avis
4,00
/5
Lendermarket
500 avis
4,00
/5
InRento
42 avis
4,00
/5
Profitus
206 avis
4,00
/5
PeerBerry
319 avis
3,50
/5
Esketit
256 avis
3,50
/5
Goparity
120 avis
3,50
/5
Anaxago
0 avis
3,30
/5
Avantages
- 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.
Risques
- 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.
Choisir une plateforme dans «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.
Questions fréquentes.
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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Best crowdlending platforms
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Real-estate crowdfunding
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