ECrowd
ECrowd is a Barcelona-based CNMV-regulated crowdlending platform (founded 2015) connecting 6,639 retail investors with SMB project promoters seeking financing for sustainable projects across energy, water, health, and other impact verticals, using a fee-based model with min 50 euro investments.
- Company typePrivate
- Founded2015
- HeadquartersBarcelona, Spain
- Headcount1–10
- GTM typeB2B and B2C
- OfferingSoftware
What ECrowd does
ECrowd Invest Plataforma de Financiación Participativa, S.L. is a Barcelona-based crowdlending platform founded in 2015 that connects individual impact investors with project promoters seeking financing for sustainable ventures across eight verticals: water, circular economy, health, education, communities, food, mobility, and energy. The platform enables retail investors to participate from a 50-euro minimum in loans capped at 300,000 euros per project, with each project undergoing financial, technical, and legal due diligence before publication. ECrowd holds CNMV license number 17 and is registered with ESMA as a European crowdfunding service provider under EU Regulation 2020/1503, with payment operations handled by Lemon Way SAS.
The company generates revenue through five primary streams: a one-time promoter success fee of 1-5% on each formalized collective loan, an annual management fee of 1-3% calculated on outstanding capital, an interest rate spread between what promoters pay and investors receive, a 30-euro default collection fee per missed installment, and a 1% + 0.30 euro card deposit processing fee. Go-to-market combines a self-serve online platform with a Super Collaborators partner network (financial advisors, installers, ESCos) and community engagement through European Sustainable Energy Week and multilingual content marketing in Spanish, English, and Catalan. Non-experienced investors face a 1,000 euro / 5%-of-liquid-assets per-project recommendation and a 4-day reflection period.
In October 2025, ECrowd launched eCrowd NEXT, a new individual investor fund product extending beyond debt crowdfunding into growth-stage equity investments in companies such as SkyDrive (Japanese eVTOL developer) and Nudge (fintech). The company operates with 1-10 employees from Barcelona, has facilitated 11.0 million euros in collective loans cumulatively, and serves 6,639 registered investors.
ECrowd firmographics
Firmographics- Name
- ECrowd
- Legal name
- Ecrowd Invest Plataforma de Financiación Participativa, S.L.
- Website
- https://ecrowdinvest.com
- Company type
- Private
- Founded year
- 2015
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- ECrowd is a Barcelona-based CNMV-regulated crowdlending platform (founded 2015) connecting 6,639 retail investors with SMB project promoters seeking financing for sustainable projects across energy, water, health, and other impact verticals, using a fee-based model with min 50 euro investments.
- Ownership category
- akta.pro rank
ECrowd industry classification
Industry- Product category
- Alternative Finance / Crowdfunding Platform
- NAICS
- Other Financial Investment Activities (5239), Securities, Commodity Contracts, and Other Financial Investments and Related Activities (523)
- SIC
- Security Brokers, Dealers & Flotation Companies (6211), Finance Services (6199)
- akta.pro primary industry
- Project Finance Capital Raising Intermediation (FSAEALAJ)
- akta.pro secondary industry
- Infrastructure & Energy Fundraising Placement (FSAEALAF)
Keywords
Where ECrowd is headquartered
LocationHeadquarters
- HQ city
- Barcelona
- HQ country
- Spain
- HQ region
- Europe
Offices2 records
Markets served
ECrowd business model
Business model- GTM type
- B2B and B2C
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure, Others
Revenue model
- Promoter Success Fee: One-time success or opening fee charged to project promoters when a collective loan is formalized. Fee ranges from 1% to 5% of the loan amount, determined by volume and complexity of the project.
- Annual Management Fee: Annual management fee charged to promoters, ranging from 1% to 3%, paid with the same periodicity as loan installments and calculated on the outstanding capital at the beginning of each settlement period.
- Interest Rate Spread: The commission is the difference between the interest rate paid by the promoter and what the investor receives. Interest rates shown to investors are net rates, with no additional fees charged to investor-users.
- Default Collection Fee: Fee of 30 euros plus VAT charged for each unpaid installment at maturity to cover collection or management expenses for non-payment.
- Card Payment Processing: For card deposits, a 1% fee plus 0.30 euros is charged, though only cards from European Economic Area countries are accepted.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Individual Investor (Retail) |
| Transaction based/ take rate | Multi-year contract | Project Promoter - Success Fee |
| Subscription | Annual | Project Promoter - Annual Management Fee |
| Other | Pay-as-you-go | Non-Experienced Investor Protection |
Go-to-market motion3 records
Distribution channels3 records
Marketing channels6 records
ECrowd product offering
Product offeringCore offering
ECrowd operates a regulated crowdlending (debt crowdfunding) platform that connects individual investors with project promoters seeking financing for profitable projects with positive social and environmental impact. Investors can participate with minimum investments of 50 euros across eight impact sectors (Water, Circular Economy, Health, Education, Communities, Energy, Mobility, Food), while promoters can access collective financing of up to 300,000 euros. The platform also offers eCrowd NEXT, a fund product for individual investors to participate in growth investments in innovative companies such as SkyDrive (eVTOL) and Nudge (fintech).
Product overview
ECrowd operates as a crowdlending platform connecting investors with project promoters for financing profitable projects with positive social and environmental impact. The platform offers two main product offerings: (1) the ECrowd Crowdlending Platform for direct investment in validated projects across eight impact sectors (Water, Circular Economy, Health, Education, Communities, Energy, Mobility, and Food) with minimum investments starting at €50, and (2) eCrowd NEXT, a fund-based product enabling individual investors to participate in growth investments in innovative companies like SkyDrive (eVTOL) and Nudge (fintech).
Differentiator
Problem solved
Functional benefit
Brands
- eCrowd NEXT: Individual investor fund product for investing in specific companies such as SkyDrive and Nudge
Products and services
- ECrowd Crowdlending Platform A crowdlending (debt crowdfunding) platform that connects investors with project promoters seeking financing for profitable projects with positive social and environmental impact. Investors can participate with minimum investments starting from 50 euros, while promoters access collective financing of up to 300,000 euros with criteria more open than traditional banking.
- ECrowd Investment Projects Investment opportunities across eight impact sectors: Water (preservation), Circular Economy (reduce, recycle, reuse), Health, Education, Communities, Energy (renewables), Mobility, and Food (ecological production). Projects are validated through financial, technical, and legal due diligence before publication on the platform.
- eCrowd NEXT Fund A new individual investor fund product that enables participation in growth investments in innovative companies across sectors such as mobility and fintech, beyond traditional crowdlending projects. Initial investments focus on SkyDrive (Japanese eVTOL aircraft developer) and Nudge (next-generation contactless credit card fintech).
Quantifiable outcome
- 11.0 million euros in collective loans facilitated
- +4 more outcomes
Companies that use ECrowd
Customer profileNamed customers8 records
Segments4 records
Ideal customer profiles1 record
ECrowd technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature3 records
ECrowd partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- CitizEnergyminorECrowd is listed on CitizEnergy platform, a European initiative promoting citizen participation in sustainable energy. ECrowd has been recognized as a best contributor to sustainable energy future by CitizEnergy voters.
Scale indicators6 records
Recent moves6 records
Expansion highlights5 records
ECrowd competitors and assessment
Company assessmentDirect peers
- Ecoligo: German solar crowdinvesting platform letting retail investors fund clean-energy projects; closely aligned with ECrowd's solar/impact crowdlending model.
- Lendahand: Dutch impact lending platform connecting investors with sustainable and emerging-market projects, sharing ECrowd's impact crowdlending model.
- Trine: Swedish crowdlending platform funding solar-energy projects with impact returns for retail investors, directly comparable in product and mission.
- Fundeen: Spanish crowdfunding platform specializing in renewable-energy project financing for retail investors, overlapping ECrowd's core energy projects and Spanish market.
- GoParity: Portuguese impact crowdlending platform funding sustainability and renewable-energy projects with low minimums; directly comparable in model, impact focus, and target investors.
Broad incumbents
- Mintos: Large Latvia-based P2P/marketplace lending platform aggregating loans for retail investors across Europe; same investor-funded lending category at much larger scale.
- Crowdcube: Major European equity-crowdfunding platform and an early ECrowd investor; overlaps in retail crowdfunding model though focused on equity rather than lending.
- October: Pan-European SME crowdlending marketplace; larger and broader than ECrowd but shares the multi-lender debt-financing platform model.
Regional players
- La Bolsa Social: Spanish impact-investing crowdfunding platform for social and environmental ventures; comparable impact mission and CNMV-regulated Spanish base.
- MytripleA: Spanish crowdlending platform offering loans to SMEs funded by retail investors; same country and crowdlending mechanics but broader (non-impact) focus.
Market position
Strengths5 records
Weaknesses4 records
Competitive moat4 records
Key risks6 records
Key highlights6 records
Customer concentration
ECrowd social profiles
Digital presenceECrowd compliance and trust
Trust signalCompliance3 records
ECrowd financial estimates
Financial estimateRevenue estimate
Valuation estimate
ECrowd leadership team
Management profileNumber of profiles
Profiles2 records
ECrowd funding detail
Funding detailFunding overview
Funding rounds3 records
Investors2 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
ECrowd M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about ECrowd
What does ECrowd do?
ECrowd operates a regulated crowdlending (debt crowdfunding) platform that connects individual investors with project promoters seeking financing for profitable projects with positive social and environmental impact. Investors can participate with minimum investments of 50 euros across eight impact sectors (Water, Circular Economy, Health, Education, Communities, Energy, Mobility, Food), while promoters can access collective financing of up to 300,000 euros. The platform also offers eCrowd NEXT, a fund product for individual investors to participate in growth investments in innovative companies such as SkyDrive (eVTOL) and Nudge (fintech).
Is ECrowd a public or private company?
ECrowd is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was ECrowd founded?
ECrowd was founded in 2015. It employs 1 to 10 people.
Where is ECrowd based?
ECrowd is headquartered in Barcelona, Spain, in the Europe region.
How does ECrowd make money?
Five revenue lines are on record. Promoter Success Fee is the primary driver. The others are annual Management Fee, interest Rate Spread, default Collection Fee and card Payment Processing.
Who are ECrowd's main competitors?
Direct peers on record are Ecoligo, Lendahand, Trine, Fundeen and GoParity. Broad incumbents are Mintos, Crowdcube and October. Regional players are La Bolsa Social and MytripleA.
Does ECrowd have an API?
No public API is recorded for ECrowd.
What industry is ECrowd in?
ECrowd's product category is Alternative Finance / Crowdfunding Platform. Its primary akta.pro industry code is FSAEALAJ, Project Finance Capital Raising Intermediation, with a secondary code of FSAEALAF, Infrastructure & Energy Fundraising Placement. Its NAICS code is 5239 and its SIC code is 6211.