The best crowdfunding platforms in Finland

Debt and P2P lending are the most prevalent investment types in Finland, while SME and Real estate dominate as the leading industries, attracting a wide range of investors and project creators. The market is supported by oversight from FIN-FSA (Financial Supervisory Authority), ensuring a regulated and transparent environment for participants.

See also Fundraising platforms in Finland

52 platforms View all platforms

Fixura is a P2P-lending company connecting investors and private persons to provide financing with fair interest rates, contributing to the Finnish economy and rewarding good payment behavior.

Industry

SME

Type

P2P lending

Min Investment €20

Advertised Return —

Auto-Invest No

Fellow Finance is an online platform for lending and borrowing money in Europe. Individuals and businesses can get funding while investors can earn interest. It is supervised by the Finnish Financial Supervisory Authority.

Industry

SME

Type

P2P lending

Min Investment €25

Advertised Return —

Auto-Invest No

BaFin reguliert Crowdinvesting in geprüfte Immobilien mit bis zu 11% Rendite.

Industry

Real estate

Type

Equity Debt

Min Investment €50

Advertised Return 11%

Secondary Market No

Auto-Invest No

Popular

Infinite Launch is a decentralized, multi-chain fundraising platform designed to support early-stage blockchain projects. It facilitates capital raising through Initial DEX Offerings (IDOs) and Initial NFT Offerings (INOs), providing a secure environment for both project developers and investors.

Industry

Startups Art

Type

Tokenized

Min Investment USDT 20

Advertised Return 40%

Secondary Market Yes

TrustPad is a decentralized multi-chain fundraising platform that enables projects to raise capital while ensuring safety for early-stage investors.

Industry

Startups

Type

Equity Tokenized

Min Investment USDT 1

Advertised Return —

Secondary Market Yes

Meta Yield is a crowdfunding platform built on the NEAR Protocol that specializes in decentralized fundraising for blockchain projects. It provides early-stage crypto ventures with a streamlined way to bootstrap liquidity and gain exposure.

Industry

Startups

Type

Reward Tokenized

Min Investment USDT 1

Advertised Return —

Secondary Market No

Privanet is a top Finnish marketplace for unlisted securities, offering brokerage services and knowledge of local companies. Funding is typically in the range of EUR 1-5 million.

Industry

Real estate

Type

Equity P2P lending

Min Investment €100,000

Advertised Return —

Secondary Market No

Auto-Invest No

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Crowdfunding market overview in Finland

The crowdfunding landscape in Finland is notably dynamic, with 52 platforms listed and 20 of them verified for quality and operational standards. Debt and P2P lending have become the top choices among investors, and sectors like SME and Real estate continue to drive the market forward, reflecting the country’s commitment to supporting entrepreneurial ventures and alternative financing.

The minimum, maximum, and average investment amounts across platforms range from $1 to $114,145, with an average commitment of $3,143.
Interest rates on Finnish crowdfunding platforms start at 4.2%, peak at 22.5%, and average around 11.7%, offering a broad risk-return spectrum for investors.
Most platforms provide transparent fee structures, with several waiving investor fees entirely to encourage participation.
40 out of 52 platforms are regulated, primarily under the supervision of FIN-FSA (Financial Supervisory Authority), holding licenses such as EMI (Electronic Money Institution), MiFID II (Markets in Financial Instruments Directive II), MiCA (Markets in Crypto-Assets Regulation), and ECSP (European crowdfunding service provider).
Popular crowdfunding types in Finland include Debt, P2P lending, Equity, Tokenized, and Mini-bonds.
The most represented industries are SME, Real estate, Startups, Personal loans, Sustainability, and Green energy, reflecting Finland’s diverse economic landscape.
Notably, Finland’s platforms feature a mix of long-established and newly emerging players, catering to both experienced and first-time investors.

Debt crowdfunding landscape in Finland

Debt crowdfunding in Finland provides a robust alternative to traditional financing, empowering both businesses and investors. The sector is characterized by platforms that offer flexibility in investment amounts, broad industry reach, and a mix of local and cross-border opportunities.

CrowdX stands out with fractional real estate and SME debt opportunities, a pan-European reach, no investor fees, secondary market access, and a regulated ECSP license. Minimum investment starts at €1,000, appealing to those seeking diversified, regulated European projects.
Maclear features secure debt and P2P lending for SMEs, buyback guarantee, auto-invest options, and no investor fees. With a minimum entry of €50, Maclear is accessible to both new and seasoned investors looking for passive income.
Slice offers a digital real estate investment platform open to investors from 188 countries, with fully digital onboarding, secondary market liquidity, and minimum investments starting at $100. The platform leverages technology for seamless property management and global reach.
Italia Bond is dedicated to corporate minibonds and SME debt, providing investors with curated, fixed-income opportunities, an ECSP-regulated environment, and minimum investments from €100. Italia Bond is ideal for those interested in European SME bonds.

Debt crowdfunding platforms in Finland combine regulatory oversight, cross-border access, and attractive risk-return profiles, making them a strong choice for investors seeking fixed-income alternatives.

P2P lending crowdfunding landscape in Finland

P2P lending in Finland is a fast-evolving space, offering investors direct access to consumer and SME loans. Platforms differentiate themselves through features like buyback guarantees, easy onboarding, and technological innovation.

Fixura is Finland’s oldest P2P lending company, connecting private lenders and borrowers, with a minimum investment of €20. The platform is known for transparent lending processes and a focus on supporting the Finnish economy.
Scramble gives investors access to high-growth consumer brands across Europe, no investor fees, monthly investment rounds, and a low entry point of €10. It is designed for diversification and simplicity.
Lendermarket connects investors to global loan portfolios, features buyback guarantees, auto-invest, no platform fees, and a minimum investment of €10. The ECSP license assures regulatory compliance.
8lends pioneers Web3-based P2P lending with tokenized investments, buyback guarantees, secondary market features, and minimum investment starting at 100 USDT. The platform targets forward-thinking investors seeking decentralized finance solutions.

P2P lending platforms in Finland cater to a broad investor base, offering both traditional and next-generation investment experiences with user-centric features and expanding cross-border opportunities.

SME crowdfunding market in Finland

The SME crowdfunding segment in Finland remains a cornerstone for supporting entrepreneurship and business growth. Platforms in this space facilitate direct investment into small and medium-sized enterprises, providing flexible terms and tailored opportunities.

Fellow Finance operates as a Finnish marketplace lending pioneer, enabling both individuals and businesses to access funding, with advanced digital infrastructure and supervision by the Finnish Financial Supervisory Authority. The minimum investment is €25, making it accessible for a wide range of investors.
Gamevestor specializes in video game project financing, offering regulated revenue-sharing instruments, transparent fees, and opportunities for both professional and individual investors. The minimum investment is €100.
Fagura is building a digital community bank for the CEE region, focusing on P2P lending with ECSP regulation, secondary market access, and minimum investments from €25. The platform supports instant digital money management and broad financial inclusion.
stock.estate delivers real estate-backed SME loans, licensed by ASF, with minimum investments at €250. The platform offers verified property development opportunities and focuses on investor transparency and trust.

SME crowdfunding in Finland is marked by its diversity, regulatory backing, and commitment to fostering innovation across multiple sectors.

Real estate crowdfunding market in Finland

Real estate crowdfunding platforms in Finland have gained significant traction, enabling investors to participate in property-backed opportunities with varying risk and return profiles. These platforms frequently offer both equity and debt structures.

TWINO is a leading P2P platform facilitating real estate and consumer loans, featuring auto-invest tools, buyback guarantees, and MiFID II regulation. The minimum investment is €10, ideal for diversified portfolios.
Bondea delivers secured real estate bonds, supervised by the Bank of Lithuania, with no investor fees and a minimum entry of €1,000. Security is enhanced through asset-backed structures.
REALTY BUNDLES offers curated real estate portfolios, expert agency management, and reduced risk via diversification. The minimum investment is €250, appealing to both novice and experienced investors.
SodaCrowd provides debt and equity property investments, CNMV-licensed operations, free investor services, and a track record of over 120 financed projects. The minimum investment is €500.

Real estate crowdfunding in Finland is defined by its regulatory standards, product diversity, and accessibility, making property investment available to a broader audience than ever before.

More crowdfunding platforms

Investment platforms in Finland

Fundraising platforms in Finland

Fundraising platforms in Finland Reward crowdfunding platforms in Finland Donation crowdfunding platforms in Finland

Frequently Asked Questions about crowdfunding in Finland

Is it a good idea to invest in crowdfunding in Finland?

Just like any other investment alternative, crowdfunding in Finland involves some risks.

That’s why before making any investment decisions, we recommend researching the market first and looking into the list of crowdfunding platforms in Finland. If you do your homework and ensure that the funding project and the platform are safe for investors, there are good chances to build a steady passive income. Crowdfunding in Finland isn’t an entirely new phenomenon, but if it’s a new area for you, start small to test the waters.

While serious legislative efforts exist to create a unified crowdfunding market, every country has a different business climate. So, invest in research first and then in projects to build a solid portfolio and earn money.

How do I choose the best crowdfunding platform in Finland?

Choose a crowdfunding platform in Finland based on its regulation, track record, fee structure, and type of crowdfunding it provides.

The optimal platform varies depending on whether you’re fundraising or investing, and if your model is donation-based, reward-based, equity crowdfunding, or peer-to-peer lending. Many global alternative finance markets provide platforms with varying degrees of due diligence, investor protection, and industry specialization.

Key criteria to compare:

Regulatory authorization and compliance.
Success rates and platform reputation.
Types of crowdfunding supported (equity, p2p crowdfunding, donation, debt, etc.).
Fee transparency and payment processing methods.
Project verification and investor protection procedures.
Tools for campaign promotion and communication.

What crowdfunding types are available in Finland?

Top crowdfunding platforms in Finland include donation, debt, reward, and equity crowdfunding providers. There are various opportunities for investors, startups and existing early-stage businesses, depending on their ambitions and the capital needed.

What industries are available in Finland?

Key crowdfunding categories in Finland include startups, SMEs, real estate, social initiatives, green energy, and personal loans.

Examples of popular industries by region:

North America: Investors are most interested in technology and entertainment startups, as well as small and medium-sized enterprises.
Europe: Leading alternative finance categories are real estate, green energy, and SMEs.
Asia: medium-sized companies and social campaigns are very popular.
MENA: Real estate projects and small to medium-sized businesses are the most popular among investors.

Who can invest through crowdfunding in Finland?

On the whole, anyone can currently invest in crowdfunding. Still, some crowdfunding websites in Finland have their specific policy and requirements for investors. For instance, they may allow accredited investors only.

It’s also important to stay in the loop of what’s happening in the legislative field. Since the crowdfunding industry has developed rapidly over the past decade, governments are gradually responding to the need to regulate it.

While nothing usually happens fast in this area, legislative changes may impact your portfolio in the long run. So, keep up with the latest news to properly plan your investment strategy and seize promising opportunities.

What are the common fees charged by crowdfunding platforms in Finland?

Crowdfunding platforms in Finland usually charge platform fees, payment processing fees, and occasionally success-based or service fees.

Fee structures differ according to whether the platform offers reward, donation, debt, equity, or p2p lending services. Investment crowdfunding platforms frequently include additional compliance expenses, while reward and donation platforms typically charge fixed percentage fees.

Typical fee categories include:

Platform fee: Usually 3–10% of funds raised.
Payment processing fees: Charged by Stripe, PayPal, or banks.
Success fee: Only applies if the campaign meets its funding target. Typically applied to donations and reward-based platforms.
Listing/onboarding fee: Usually used by equity and debt crowdfunding platforms, and covers initial project verification, document preparation, audits, risk disclosures, marketing costs, etc.
Investor fees: Sometimes charged on the profit received on equity or lending platforms.

Examples of standard commissions by platform type:

Donation-based platforms: Platform fee ~5%, payment processing 2.9% + $0.30 per donation.
Reward-based platforms: Platform fee ~5%, payment processing 3–5%.
Equity crowdfunding platforms: Platform fee ~6–7% of funds raised, investor fee 0.5–2%.
P2P lending/debt platforms: Platform fee ~1–5% of loan volume, sometimes combined with investor service fees; legal and compliance costs are higher due to lending regulations.

Is crowdfunding a legal investment method in Finland?

Investing through crowdfunding sites is legal in numerous countries, including Finland, however, restrictions vary by jurisdiction. Platforms must follow local and regional laws covering alternative finance, equity crowdfunding, debt financing, peer-to-peer lending, and donation-based fundraising.

To maintain transparency, security, and compliance, crowdfunding platforms in Finland frequently comply to licensing and investor protection regulations. While crowdfunding is widely accepted as a viable investment strategy, investors should check the platform’s legality and understand local financial restrictions before contributing funds.

Which authorities are in charge of crowdfunding regulations in Finland?

Crowdfunding in Finland is regulated by national financial regulators and consumer protection agencies based on the crowdfunding model. Investment-based crowdfunding, such as equity, debt, and peer-to-peer lending, is frequently heavily regulated by financial authorities, whereas donation and reward crowdfunding have looser consumer protection requirements.

Regulators commonly include:

Financial market authorities (e.g., securities regulators, central banks).
Consumer protection agencies for non-investment campaigns.
AML/KYC authorities overseeing anti-money-laundering compliance.
Data protection regulators, since platforms process personal information.

Global regulatory examples:

EU: Supervised under the European Crowdfunding Service Providers Regulation (ECSPR).
UK: The FCA regulates investment crowdfunding.
USA: The SEC and FINRA oversee Regulation Crowdfunding intermediaries.
Australia: ASIC regulates equity crowdfunding platforms.

Is crowdfunding a good capital source for startups in Finland?

Despite the crowdfunding risks, it’s a decent alternative for startups and early-stage businesses willing to raise capital for their launch or expansion.

Crowdfunding helps entrepreneurs access a larger investor pool eliminating the need to depend on one financial institution or individual investor to fund their projects. It’s also a chance to get the necessary funding through multiple smaller investments from more individuals.

The more compelling your project presentation is and the more channels you use to reach out to potential investors, the more chances there are to hit the target. It all comes down to your creativity and persistence.

While investors, on the other side, get to fund projects previously accessible only to high-net individuals, venture capitalists and angel investors. From their perspective, it’s an opportunity to invest in a profitable business that will eventually grow into a successful company.

Essentially, platforms offer space and opportunities for both parties involved, excluding more rigid financing options, such as banks, as a middleman.

What do I need to launch a crowdfunding campaign in Finland?

Launching a crowdfunding campaign in Finland requires a clear project concept, transparent documentation, and compliance with local crowdfunding regulations.

A successful campaign demands comprehensive planning. Whether you use reward-based crowdfunding, P2P lending, equity or debt models, platforms often need fundraisers to provide detailed information about the project, financial status, and marketing strategy. Many regions, like the EU, the United Kingdom, and the United States, requires standardized disclosures for investment campaigns.

Common requirements include:

A clear business plan or project description.
Verified identity and company registration (for business campaigns).
Financial documents for equity or lending-based campaigns.
A communication and fundraising plan.
A designated bank account or payment provider.

Can individuals raise money for personal causes in Finland?

Individuals can typically generate funds for personal causes in Finland, particularly through donation-based crowdfunding sites.

Personal fundraising is generally accepted worldwide and is frequently used to cover medical expenditures, community needs, emergencies, education, or personal interests. These campaigns are usually unregulated because they do not include stocks or financial returns.

However, some crowdfunding platforms offer personal fundraising through a p2p landing service. In this situation, you must refund raised funds at a certain percentage rate over a set period of time.

The best crowdfunding platforms in Finland

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Crowdfunding market overview in Finland

Debt crowdfunding landscape in Finland

P2P lending crowdfunding landscape in Finland

SME crowdfunding market in Finland

Real estate crowdfunding market in Finland

More crowdfunding platforms

Frequently Asked Questions about crowdfunding in Finland