121M+Total Funded
Entry from $10–$100 vs $1,000+ for many funds
What you gain, what you risk, and who this model works best for
Crowdfunding advantages and disadvantages
How crowdfunding compares to traditional investing
Lower minimums and direct access, but also higher risk and less liquidity than conventional investment vehicles
10.6M+Interest paid
Direct project choice instead of fund manager decisions
1.8K+Funded projects
Lock-in periods often 1–5 years
44.2K+Registered investors
Default rates vary 2–15% depending on sector
€2.0M +Provision Fund
No secondary market on most platforms
Investors receiving payouts
Investors who received at least one interest payment each month.
Rated 4.5 / 5 based on 779 reviews. Showing our 4 & 5 star reviews.
How crowdfunding platforms work
From campaign launch to payout, what happens at each stage
Project screening
The platform carefully reviews and verifies each opportunity to ensure quality and legitimacy before presenting it to users.
Due diligence varies widely; some platforms check financials, others run light verification only
Campaign goes live
Funding window opens
Investors review terms, ask questions, and commit funds during a fixed campaign period
Funding threshold met
Minimum target reached
If the goal isn't hit, funds return to investors; if met, the project moves forward
Funds disbursed
Project receives capital
Platform releases funds to the borrower or business after deducting fees
Repayment begins
Returns flow back
Investors receive interest or dividends on schedule, assuming the project performs as expected
Exit or default
Outcome realized
At maturity, you get principal back or face partial loss if the borrower defaults
Why investors choose crowdfunding
Access, control, diversification, and the chance to back projects banks won't touch
0% Low minimums open doors for smaller portfolios
No fees for deposits, investments or withdrawals.
28,003 +You pick every investment yourself
A growing community built around transparent investing.
€1,712 +Spread risk across dozens of projects
Average amount invested by active users each month.
€139 +Support businesses or causes you believe in
Average interest paid to active investors each month.
Featured opportunities right now
Vetted projects currently open for funding across real estate, business loans, and renewable energy
Wholesale Electronics
Supplies consumer electronics to major retailers and telecomes like Technomarket and Magnum-D
- Loan Amount
- €600,000
- Term
- 16 months
- Yield (APR)
- 15.1%
JINTEKI
Processes, freezes and dries fruits and vegetables in a modern, fully equipped organic-focused production facility
- Loan Amount
- €900,000
- Term
- 14 months
- Yield (APR)
- 14.9%
Datra Ltd
Supply, installation and maintenance of agricultural and food equipment
- Loan Amount
- €950,000
- Term
- 12 months
- Yield (APR)
- 14.6%
Investment Calculator
Future value in 6 years€8000
Start with €50
Average annual return17.6%
Earned return€460
Promotions€0
Estimated returns based on target rate of 14.6% APY. Actual returns may vary. Past performance does not guarantee future results.
What you can actually control
And what you can't, no matter which platform you use
Project selection
You choose where your money goes and can skip anything that doesn't fit your risk appetite
Diversification strategy
You decide how many projects to fund and how much to allocate to each sector or risk grade
Exit timing (limited)
Most platforms lock funds until maturity; secondary markets exist but often have low liquidity
Borrower performance
You can't control whether a business hits revenue targets or a property sells on schedule
Platform solvency
If the platform shuts down, accessing your investments can become complicated or impossible
Regulatory changes
New rules can affect tax treatment, platform operations, or investor protections without warning
Market conditions
Recessions, interest rate shifts, or sector downturns impact repayment rates across your portfolio
Information asymmetry
Borrowers know more about their financials than you do, even after platform due diligence
Browse the marketplace
Filter by sector, term length, expected return, and risk grade to find opportunities that match your strategy
Explore projects
The risk-return trade-off
Higher advertised returns often signal higher default risk; platforms with the best track records tend to sit in the middle
€12M+ +Secondary Market volume
Conservative projects: 3–6% annual return
9,308+ +Secondary Market participants
High-risk projects: 10–15%+ if repaid
Getting started with crowdfunding
From account setup to first investment in three steps
Create account
Identity verification required
Fund your wallet
Bank transfer or card
Choose your first project
Start small and diversify
Investor incentives and loyalty perks
Some platforms reward repeat investors with fee discounts or early access to high-demand projects
Reduced fees after $10k invested
Lower platform commission
Priority access to top-rated deals
Before public launch
Bonus interest on auto-invest
Extra 0.25–0.5% APY
Referral rewards
Earn when friends invest
Join the investor community
What crowdfunding really offers
Direct investment in deals traditional banks reject, featuring easier access but greater risk and minimal regulation compared to conventional options. Ideal for those comfortable with potential losses who desire control over capital allocation.
How transparent are these platforms
Disclosure quality varies. The best platforms publish default rates, borrower financials, and audit reports. Others share minimal data, making it hard to assess true risk. Always check what information you'll get before and after investing, and whether past performance metrics are independently verified.
- Borrower financials and credit history
- Platform-wide default and recovery rates
- Fee breakdowns for every transaction
- Third-party audit results or certifications
- Investor communication during defaults
- Exit options and secondary market liquidity
Collateral and the
Provision Fund help reduce certain risks, but do not eliminate investment risk.
Common questions about crowdfunding
Crowdfunding platforms typically accept investments starting at $10–$100 per project, compared to $1,000+ minimums for traditional mutual funds and institutional vehicles. This accessibility allows retail investors to build diversified portfolios across multiple opportunities without substantial upfront capital.
Most crowdfunding investments have lock-in periods ranging from 1 to 5 years, during which investors cannot access or sell their positions. This illiquidity differs sharply from stock markets, where secondary trading provides exit flexibility.
Historical default rates on crowdfunding platforms vary between 2% and 15% depending on the sector and borrower profile. Real estate and established business ventures typically carry lower risk, while early-stage startups present higher probability of non-repayment.
Platform screening filters out obviously fraudulent or unviable proposals before campaigns go live. However, due diligence depth varies significantly—some operators conduct thorough financial audits while others perform only cursory background checks.
Most P2P lending and equity crowdfunding platforms lack secondary markets, meaning investors cannot sell stakes to other buyers before the funding period closes. This distinguishes crowdfunding from traditional public securities with active trading infrastructure.