List of the best Mini-bonds crowdfunding platforms

Delve into the list of Mini-bonds crowdfunding platforms based in Europe and the UK to see what the international market currently offers and to choose your next crowdfunding provider. 

Handy and concise profiles below will help you understand if there are Mini-bonds crowdfunding companies that may be of interest to you. If so, don’t hesitate to drop them a line and visit websites to get acquainted. 

Check out the filters to save time and immediately find the Mini-bonds crowdfunding platforms that match your criteria.

Years on market
ECSP license
        On market:
          ECSP license:
            4 companies View all platforms


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            Bettervest was launched in 2012 to finance energy efficiency projects from citizens. The reason: Energy efficiency saves money, conserves resources and reduces CO2 emission...

            ZonnepanelenDelen connects solar energy projects with people and organizations who want to invest in them through a loan. A unique feature of this loan is that it can be su...

            Crowdcube is an equity crowdfunding platform where innovative startups can raise capital for their development and investors can earn by supporting new businesses.

            Villyz allows citizens to invest in projects of general interest of communities, health establishments, local public companies or companies with public shareholding. It ...

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            Mini-bonds crowdfunding platforms operate in 5 and focus on SME, Green energy, Health & Science, Social cause, Education and Farming providing different investment opportunities for retail and accredited investors. The biggest number of Mini-bonds crowdfunding platforms operate in France, Germany, Netherlands, Spain, United Kingdom.

            The minimum investment amount varies from platform to platform. On this listing, you will find crowdfunding platforms that offer investment opportunities starting at 1 with a maximum investment amount of 50.

            As a crowdfunding platform directory, we verify the most active crowdfunding platforms if they reach out and claim their profile. On this listing, 2 crowdfunding platforms claimed their profile.

            Fun fact: among all the crowdfunding platforms listed here, the oldest has been founded in 2010 and the youngest in 2020.


            Things to consider when choosing a Mini-bonds crowdfunding platform

            Once you’ve decided on the crowdfunding business model for your investing or fundraising purposes, it may seem like the major research part is done. It’s surely significant, but there is still more work to do. Here are some fundamental factors to consider while proceeding with your investment journey.

            The next logical step is to get straight to the platform research to see the existing options. Once you browse the list of Mini-bonds crowdfunding platforms, the first thing to ensure is their regulator compliance. In other words, if these Mini-bonds crowdfunding sites adhere to the country’s current legislation.   

            For instance, all Europe-based companies must have or be in the process of obtaining an ECSP licence

            Then research crowdfunding providers’ history and customers’ experience to choose the best Mini-bonds crowdfunding sites for your goals. The key metrics to review are:

            • How long has the platform been operating, and how much has accumulated?
              Top Mini-bonds crowdfunding companies have usually been on the market for at least three years, reaching €1M in funding.
            • What are the clients’ reviews?
              What actions did the platform take if there were negative reviews or defaults? Have they reimbursed investors?
            • Who’s the platform’s leadership, and what’s their background?
              Ideally, they have previous experience in banking or investing.

            Finally, ensure that the fees and commission structure is clear to you.


            Is Mini-bonds investing worth it?

            Investing on Mini-bonds crowdfunding platforms may be a good choice for investors willing to diversify their portfolio and yield higher returns but who are ready to take on higher risks. 

            It is also a chance to access loans and industries that were previously available only to institutionalised investors or high-net individuals. 

            While crowdfunding offers more lucrative and diverse opportunities, it’s fairly considered a high-risk investment. So, you must be well aware of the risks involved and well-prepared if you feel ready to take them.


            How to avoid the risks associated with Mini-bonds investing?

            There is no way to avoid them completely, but there are definitely some tools to minimise them. Apart from the basic platform’s security check highlighted above, here is what you can do:

            1. First and foremost, diversify across loans, platforms, and investment types. Should any loan default, it won’t dramatically impact your portfolio’s general stability, and you won’t lose your entire investment.
            2. Select Mini-bonds crowdfunding websites with buyback guarantees. In a nutshell, it’s the platform’s commitment to repay the funds invested if the loan goes bankrupt.
            3. Cross-check the platform’s reputation: see if the leadership is present on social media and how actively they talk about their platforms’ activity. It shows how willing they are to contribute to the general sense of trust and transparency. 
            4. If you have any questions, reach out to support to check out their response speed and quality. It’ll give an overall understanding of how the company treats its clients. 
            5. Always start with small investments if the crowdfunding niche or Mini-bonds platform is new to you. 

            Frequently Asked Questions about Mini-bonds crowdfunding

            What are the advantages of investing on crowdfunding platforms for Mini-bonds?

            Investors who prefer this investing alternative can potentially enjoy the following benefits.

            Firstly, it’s an opportunity to yield higher returns compared to other, more traditional investment methods. If an investment strategy turns out successful, one can build a steady and more generous passive income.

            Secondly, Mini-bonds crowdfunding platforms offer diverse loans that used to be accessible only to accredited investors, which can help solidify one portfolio.

            Finally, it’s a chance to help grow a business offering a product or a service that interests you as a potential client. By contributing to its launch or expansion, an investor also indirectly benefits society or an industry niche. As attractive as these benefits may look, it’s crucial to remember that when investing through crowdfunding platforms for Mini-bonds, you are also exposed to a potentially higher risk.

            Can I lose my money on Mini-bonds crowdfunding platforms?

            Yes, you can.

            To avoid that, ensure the platform has a specific scenario developed for such cases. Research if such situations have already occurred and if investors got their money back.

            Best of all, trust Mini-bonds crowdfunding websites with buyback guarantees or similar fund recovery measures.

            How much money do I need to start investing on Mini-bonds crowdfunding sites?

            The initial investment amount varies a lot depending on the platform. But the truth is that the majority allow investing starting with €100. You can even find platforms where you can participate in loans with as little as €10. 

            The low entry threshold allows inexperienced investors to kick off their investing activities. While it’s undoubtedly one of Mini-bonds crowdfunding massive advantages, please always remember to start small and diversify.

            Can I give up a crowdfunding loan or exit it earlier?

            Yes, if you invest via Mini-bonds crowdfunding companies that have a secondary market.

            Are Mini-bonds crowdfunding platforms good for funding a startup?

            They can be. Many startups have already received their funding through crowdfunding. Instead of relying on a single individual or an organisation to get the money, you increase your chances of hitting the necessary sum by inviting more individual investors to participate. 

            However, to achieve that, you need to make your campaign look promising and stand out. The business plan and the legal docs need to be in order, the presentation should be creative and catchy, and the marketing strategy well-thought. 

            As the crowdfunding industry grows, more niches emerge, and startup/business funding is no exception. These days you can find crowdfunding platforms specialising in it.

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