Crowdfunding platforms
Crowdfunding is a popular way to invest in Europe. From loans and real estate to startup shares, there are many platforms to choose from. We reviewed and selected the best European crowdfunding platforms for investors looking for returns and diversification.
Please note: investing on a crowdfunding platform involves risks, you can (partially) lose your investment.
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Crowdfunding platforms in Europe
Crowdfunding allows individuals and businesses to raise money from a large group of online investors. It’s especially popular in France, the Netherlands, the UK and the Baltics. Thanks to EU-wide ECSP rules, you can easily invest in campaigns across Europe. Below our selection, with some of the best European crowdfunding sites.
Offers various investment options for passive investors. European market leader in P2P lending with an average return of 11.3% on Core Loans. Also offers bonds, ETFs, real estate, and up to 2.25% via Smart Cash (available for instant withdrawal). Temporary a special welcome bonus for new investors.
- The editorial team's preferred platform
- 11+ billion euros funded since its launch in 2015
- European market leader in P2P lending
- 50+ loan originators from 25 countries
- Wide selection of corporate bonds
- MiFID II license
Debitum is a rapidly growing Latvian p2p lending platform. It allows you to invest in financing for small businesses. With the auto invest function, you can easily spread your investments across multiple loans. The annual return often exceeds 10 percent. Regulated under a MiFID II license.
- high returns (10%+)
- powerful Auto Invest features
- frequent cashback promotions
- MiFID II license
Enerfip is a French crowdfunding platform for renewable energy projects. So far, it has raised more than 600 million euros for over 500 projects. The platform aims to offer investors a return between 7 and 9.5 percent, while also reducing the CO2 emissions linked to their savings.
- sustainable projects
- projects in multiple countries
- detailed project information
- invest from 10 euros
- no fees for investors
- ECSP license
Invesdor is an European crowdfunding platform with a focus on sustainable projects, and fundraising for startups. Offers both bonds, loans and equity projects. Startups that have a sustainable or social mission get a special Oneplanetcrowd-label with their fundraising.
EstateGuru is a real estate investment platform from Estonia, founded in 2014. You can invest in short-term real estate loans in different European countries. Investments start from 50 euros. The platform went through some difficult years, but its new strategy now seems to be working well.
- wide offering across 8 countries
- all loans secured by real estate collateral
- auto-invest feature by LTV, interest rate, or region
- in-house fund with expected return of 7 percent
- secondary market
- ECSP license (Estonia)
A European crowdfunding platform focused on the agricultural sector, active in the Baltic States, Poland, Bulgaria, and Portugal. It finances working capital, machinery, and sustainability projects, such as COâ‚‚ reduction. Investors earn an average annual return of over 12%.
- focus on agriculture
- loans secured by land or equipment
- sustainable and eco-friendly projects
- auto-invest feature
- secondary market
- ECSP license (Lithuania)
Nordstreet is an international crowdfunding platform specializing in real estate projects with a Loan-to-Value (LTV) up to 75 percent. Investments start from 50 euros and the average return ranges between 12 and 12.5 percent. Founded in 2017, it is based in Lithuania.
Raizers is a crowdfunding platform, launched in 2015 in France, offering investors access to real estate projects across Europe. You can invest from 1,000 euros in property-backed bonds with average returns of 8 to 10 percent. Regulated (ECSP) by the French AMF.
Types of crowdfunding sites
The platforms listed above are often recommended, because of their long track record or large market share. However, choosing a fundraising platform also depends on the type of fundraising campaigns, geographical area and investment style you are looking for.
You can pick a platform based on the type of crowdfunding campaign. For example: do you want to invest in real estate, private and business loans or perhaps early stage startups that are raising money? The type of campaign impacts your type of returns. You can receive loan repayments and annual interest, or a future share in a company.
Peer-to-peer platforms
Platforms where you can directly fund consumer or business loans are:
Offers various investment options for passive investors. European market leader in P2P lending with an average return of 11.3% on Core Loans. Also offers bonds, ETFs, real estate, and up to 2.25% via Smart Cash (available for instant withdrawal). Temporary a special welcome bonus for new investors.
- The editorial team's preferred platform
- 11+ billion euros funded since its launch in 2015
- European market leader in P2P lending
- 50+ loan originators from 25 countries
- Wide selection of corporate bonds
- MiFID II license
Debitum is a rapidly growing Latvian p2p lending platform. It allows you to invest in financing for small businesses. With the auto invest function, you can easily spread your investments across multiple loans. The annual return often exceeds 10 percent. Regulated under a MiFID II license.
- high returns (10%+)
- powerful Auto Invest features
- frequent cashback promotions
- MiFID II license
A p2p lending platform based in Estonia. Between 2009 and 2025, 1.5+ billion euros has been invested on the platform. Bondora used to offer peer-to-peer loans, but now only offers Go-&-Grow: a product where it aims for steady returns of 6 percent per year.
- founded in 2009
- only consumer loans
- almost 500,000 users
- minimum investment of 5 euro
- active volume: 500+ million
With over 3 billion euros in invested capital, PeerBerry, founded in 2017, is one of the largest P2P platforms in Europe. It mainly offers short-term consumer loans, with Poland, Kazakhstan, and Ukraine as the top three markets. Average interest rate is around 10 percent.
- often short-term loans
- focus on Eastern Europe
- stable, high returns
- over 3 billion euros funded
Lendermarket is a P2P platform where you invest in short-term consumer loans. It works with multiple loan originators, but most loans come from partner Creditstar, which operates in 32 countries. It offers interest rates of up to about 15 percent and a buyback program.
- over 500 million euro funded
- over 20.000 registered users
- offices in Germany, Spain, France and Estonia
- ECSP license (Ireland)
The P2P platform Esketit was launched in 2020, and is based in Zagreb (Croatia) sinds 2025. With the Auto Invest feature you invest in consumer and business loans. The platform reports an average annual return of 10 to 10.5 percent. In 2025 AvaFin stopped offering its own loans through Esketit.
- both business and consumer loans
- early withdrawal (under conditions)
- minimum investment: 10 euros
- over 25,000 investors
- part of AvaFin
- no ECSP-license!
Hive5 is a p2p platform from Croatia where investors can invest in small- and medium-sized businesses. The platform is active across Europe and connects investors and loan originators. Most loans have an interest rate of 15 percent. Investing is possible from 10 euros and up.
Robocash is a p2p lending platform from Croatia. Investing on the website is fully automated according to your preferences. In 2021, Robocash had funded over 300 million euros in loans. The average annual interest is around 11 percent. Most loans are very short-term, lasting up to 60 days.
Viainvest is an online investment platform from Latvia. On the website you can invest in both consumer and business loans. To date, over 500 million euros has been invested. Viainvest has an average interest rate of 10 percent.
Bondster is a peer-to-peer lending platform from Czech Republic that is active in 20 countries. The broker offers individual and business loans that last up to 120 months. Since 2017, over 100 million euros has been funded by more than 15 thousand investors. The interest is 5 to 16 percent.
International platform Monefit automatically spreads your investment across p2p loans, with an average annual return of 7 percent. According to the platform, it has already paid out 83 million euros in interest to investors.
TWINO was founded in 2009 in Latvia. Currently, it is active in 6 countries. It has over 58 thousand registered users, who have invested around 1 billion euros. According to the platform, investors are earning a total of 12 million euros in interest.
IUVO is based in Estonia and offers individual loans. In 2022, over 265 million euros was invested to date. The platform has more than 30 thousand registered users from 166 countries worldwide. The majority of loans last 6 to 24 months, with an average interest between 5 and 15 percent.
The European platform Lonvest offers p2p loans in cryptocurrency. This involves buying crypto coins and lending them to other users. The average return is 13 percent.
Real estate platforms
Top real estate crowdfunding platforms that we reviewed are:
Offers multiple investment options, including real estate projects that generate rental income and potential capital gains. Alongside real estate, it is market leader in P2P lending with an average return of 11.3% on Core Loans. Also provides access to selected bonds and ETFs.
- editorial team's preferred platform
- 11+ billion euros funded since its launch in 2015
- European market leader in P2P lending
- MiFID II license
EstateGuru is a real estate investment platform from Estonia, founded in 2014. You can invest in short-term real estate loans in different European countries. Investments start from 50 euros. The platform went through some difficult years, but its new strategy now seems to be working well.
- wide offering across 8 countries
- all loans secured by real estate collateral
- auto-invest feature by LTV, interest rate, or region
- in-house fund with expected return of 7 percent
- secondary market
- ECSP license (Estonia)
A European crowdfunding platform focused on the agricultural sector, active in the Baltic States, Poland, Bulgaria, and Portugal. It finances working capital, machinery, and sustainability projects, such as COâ‚‚ reduction. Investors earn an average annual return of over 12%.
- focus on agriculture
- loans secured by land or equipment
- sustainable and eco-friendly projects
- auto-invest feature
- secondary market
- ECSP license (Lithuania)
Inrento is a young Lithuanian platform for investing in rental real estate (buy-to-let). You invest in rental apartments, small shops, offices, or short-term rentals such as co-living and Airbnb units. You earn rental income and potential profit on sale. Projects are backed by a mortgage.
- young platform (short track record)
- active in Lithuania, Poland, and Spain
- average return: 11.99 percent
- secondary market
- Best LendTech company 2025 (European FinTech Awards)
- European ECSP license granted in Lithuania
Latvian crowdfunding platform Lande offers you the opportunity to invest in the agricultural sector. Farmers collect funding through projects to purchase land or livestock. The annual interest is up to 14% for investors.
Nordstreet is an international crowdfunding platform specializing in real estate projects with a Loan-to-Value (LTV) up to 75 percent. Investments start from 50 euros and the average return ranges between 12 and 12.5 percent. Founded in 2017, it is based in Lithuania.
Crowdpear is a Latvian crowdfunding platform for real estate, renewable energy and business projects. The platform was launched in 2022 by PeerBerry. It has financed 300+ projects, with a total amount of almost 30 million euros. The average return of investment is 10,88 percent.
Brickstarter was founded in 2017 and specializes in vacation rental properties. You can invest on the platform with a minimum amount of 50 euros. With funds from different investors the platform renovates and manages property, eventually renting and reselling it for profits.
Letsinvest is a crowd-investing platform from Lithuania. You can start investing from 100 euros in commercial and residential developments. The average annual return is 9,41 percent. You can directly invest, buying into the equity of rental business or invest into bonds.
Profitus, based in Lithuania, is one of the fastest growing crowdfunding platforms for real estate-backed investments and business loans. You can start investing from 100 euros. The average return of investment is 12,14 percent (last updated: June 2024).
Fintown is a p2p platform where you can invest in private real estate projects in or around Prague, with an average interest rate of 12%. The owners of the platform also invest in the available projects themselves. Investing starts at 1 euro.
Large crowdfunding platform from Hamburg, Germany, focused on real estate and renewable energy. It offers debt-based investments with fixed interest and equity-based investments with profit sharing. So far, it has funded over 600 projects worth more than 1,17 billion euros.
- debt (loans) and equity (co-ownership) projects
- including renewable energy projects
- secondary market
- ECSP license (Germany)
Social or sustainable projects
Platforms that offer sustainable or social crowdfunding projects are:
Enerfip is a French crowdfunding platform for renewable energy projects. So far, it has raised more than 600 million euros for over 500 projects. The platform aims to offer investors a return between 7 and 9.5 percent, while also reducing the CO2 emissions linked to their savings.
- sustainable projects
- projects in multiple countries
- detailed project information
- invest from 10 euros
- no fees for investors
- ECSP license
Invesdor is an European crowdfunding platform with a focus on sustainable projects, and fundraising for startups. Offers both bonds, loans and equity projects. Startups that have a sustainable or social mission get a special Oneplanetcrowd-label with their fundraising.
Lendahand is a sustainable crowdfunding platform where you can invest in entrepreneurs in developing countries. Easily spread your investment across many countries and types of financing. In addition to social impact, you can earn up to 8 percent annual interest.
- focused on social impact
- strong auto invest-functie
- over 3,000 projects funded
- start investing with just €10
- certified B Corp
- ECSP license (Netherlands)
A European crowdfunding platform focused on the agricultural sector, active in the Baltic States, Poland, Bulgaria, and Portugal. It finances working capital, machinery, and sustainability projects, such as COâ‚‚ reduction. Investors earn an average annual return of over 12%.
- focus on agriculture
- loans secured by land or equipment
- sustainable and eco-friendly projects
- auto-invest feature
- secondary market
- ECSP license (Lithuania)
Through EthicHub, investors can invest in agricultural projects and receive returns on their investments. These projects are carefully selected and verified, and investors have the opportunity to contribute directly to the development of sustainable agricultural communities through smartcontracts.
Ener2Crowd is an equity and crowdfunding platform for sustainable projects, mainly in the energy sector. Founded in Italy in 2019 and with offices in Spain, the platform has financed over 24 million euros across 120 projects as of January 2024.
Equity crowdfunding platforms
Leading equity crowdfunding platforms where you can invest in equity, instead of loans, are:
This startup investment platform, formerly known as Seedrs, is a platform for equity crowdfunding-campaigns all over Europe. It has many campaigns for startups all over the European Union, including some well known scaleups.
- large selection of projects
- projects from multiple countries
- secondary market
- SEIS & EIS tax statements
Large crowdfunding platform focused on equity projects of start- and scaleups. Mainly features lesser-known UK projects, but also hosts larger campaigns from across Europe. Successful raises include Revolut (Lithuania), Cowboy (Belgium), and Vicio (Spain).
- largest equity crowdfunding platform in Europe
- over 1 billion pounds raised
- wide range of sectors and countries
- ECSP license (via Spain)
Wefunder is an equity crowdfunding platform from the United States. Since early 2023, the company, which is already big in the US, has also been operating in Europe. It works with venture capital and focuses mainly on startups. Investors invest in shares, convertible loans or options.
CrowdedHero, established in 2019 and based in Latvia, is an equity crowdfunding platform focusing on sectors like real estate, startups, green energy, and agriculture. Projects typically have a high-risk profile, with the platform aiming for an annual return between 16-20 percent.
Large crowdfunding platform from Hamburg, Germany, focused on real estate and renewable energy. It offers debt-based investments with fixed interest and equity-based investments with profit sharing. So far, it has funded over 600 projects worth more than 1,17 billion euros.
- debt (loans) and equity (co-ownership) projects
- including renewable energy projects
- secondary market
- ECSP license (Germany)
Companisto is a German equity crowdfunding platform founded in 2012. It focuses on professional venture capital investments, allowing individuals to invest alongside institutional investors. The platform has funded over 300 startups and growth companies.
How to choose a crowdfunding site
What type of investment do you want to make? To fund small businesses, you can invest via an equity crowdfunding platform. Another option is donation-based crowdfunding meant for upcoming services and products. Some platforms focus exclusively on sustainable and social projects, or even certain industries, such as the energy or hospitality sector.
‘Peer-to-peer lending is very popular in Eastern Europe.’
Also look at the geographical area platforms operate in. Peer-to-peer lending is hugely popular in Eastern Europe, for example, while real estate funding is more prevalent in France, Italy and the Netherlands, among others.
How do crowdfunding sites work?
Crowdfunding websites bring individual investors together to invest in all types of projects, such as business ventures and real estate. This creates the opportunity to raise money from a large group of people, adding up to hundreds or even millions of euros.
To fund individuals or businesses who want to raise money, investors will need to register on the provider’s website. After that, you can choose from many fundraising projects. Fundraising campaign pages will show the project details, financial information as well as the target amount, money raised and project duration. On most platforms, you can start investing with small amounts such as 10, 50 or 100 euros.
Crowdfunding platforms have their own due diligence practices that are also regulated by the European Union (EU). This way, entrepreneurs and investors are not unpleasantly surprised. Loan applicants, for example, need to provide detailed information on their (historical) financial situation.
You can start investing with small amounts.
Fees of crowdfunding websites
Another way to choose your crowdfunding platform is to compare the fees that crowdfunding sites charge. This is important, as platform fees directly impact your returns. Loan applicants are charged a percentage of the amount raised as well as payment processing fees.
The fees are often low for investors, partly because the administration costs of raising funds this way are typically lower than one of a traditional business loan. As mentioned previously, most platforms will ask for a minimum investment amount between 10 and 100 euros, for example. In some cases there is a processing fee when investing in a project too.
For investors, the fees are generally low.
Pros of using a crowdfunding platform
Investing platforms have some advantages compared to traditional investing. Firstly, investing is made accessible and easy via, for example, real estate and p2p lending websites. You can create an account in minutes and start investing immediately. Because of this, the administration costs are also low.
In addition, you can choose between many types of projects and choose what fits your investor needs best. Crowdfunding is a good fit for investors who want to be actively involved. Additionally, the platform makes due diligence easy by providing all the information you need on the project page.
Lastly, you can see how many other investors are on board before you fund a business. This is valuable information and can help make your decision.
Investing is made easy and accessible through crowdfunding platforms.
Risks of crowdfunding
Of course crowdfunding does not come without certain risks, just like any other investment. For example, there is always the possibility that a small business can not pay back the loan fully. Or that a campaign does not reach the fundraising goal.
First of all, crowdfunding platforms are obligated by the European Union to perform their due diligence. Service providers need to assess business plans and financial information before a business can even start to raise money. Projects are also assigned a risk label based on this inquiry, so you can choose accordingly.
Additionally, there are certain safety nets in place. For instance, if a project does not reach the funding target, you will get your money back. When a business fails to pay back the loan, some platforms also offer a buyback guarantee. Guarantees and liabilities will differ per website, so look into this when you choose an investing platform.
