Find the best SME crowdfunding platforms

One of the best ways to diversify your portfolio and build wealth is to invest in pre-vetted small and medium-size enterprises and business in Europe. We've listed some of the most active SME crowdfunding platforms in the industry for you to explore and invest in. And if you're raising more for your project, you can pick the crowdfunding platform to apply for funding.
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            221 companies View all platforms

            Spreds

            Verified platform

            Spreds.com is an investment platform that focuses on equity and loan crowdfunding for campaigns that are planning to raise between €50,000 and €1,000,000 thanks to various ...

            As pioneers in German-speaking crowdinvesting, we have been pursuing the mission with ROCKETS since 2013 to offer everyone the opportunity to participate in forward-looking...

            Rebuilding Society is a peer-to-business lending platform connecting lenders and borrowers. We are also approved ISA Managers and provide an Innovative Finance ISA allowing...

            HNW Lending is a p2p asset-based lender that has been trading for over 8 years and has arranged over 450 loans to date with over £115 million lent. The Directors of HNW ...

            Fongogo

            Verified platform
            Turkey

            Fongogo, founded in 2013, is Turkey's leading crowdfunding platform active in rewards, donation and equity-based verticals. Fongogo's mission is to provide digita...

            The only investment platform in the UK where investors choose the British entrepreneurs they back. Over £6m in interest paid out to investors from more than 617 unique oppo...

            Monestro

            Verified platform

            Monestro is an Estonian P2P lending platform that connects lenders and borrower directly, without an originator. Investors make bids on loans based on real market condition...

            SaveLend

            Verified platform

            SaveLend was launched in 2014 to offer the public the opportunity to do as the big banks do: make money by investing in credit. It is a form of investment that was previous...

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            SME crowdfunding platforms operate in 30 countries and focus on Equity, Debt, P2P lending, Reward, Donation and Mini-bonds providing different investment opportunities for retail and accredited investors. The biggest number of SME crowdfunding platforms are in Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Moldova, Monaco, Netherlands, Norway, Poland, Portugal, Romania, Turkey, Slovakia, Spain, Sweden, Switzerland, United Kingdom.

            The minimum investment amount varies from platform to platform and usually depends on the investment type or particular platform goals. On this listing, you will find crowdfunding platforms that offer investment opportunities starting at 1 with a maximum investment amount of 100000.

            As a crowdfunding platform directory, we verify the most active crowdfunding platforms if they reach out and claim their profile. 31 crowdfunding platforms claimed their profile in this directory. They include Coop Crowdfunding, Fagura, DALENDO, Crowdway, Fongogo and others.

            Fun fact: among all the crowdfunding platforms listed here, the oldest has been founded in 1972 and the youngest in 2022.

             

            How do SME crowdfunding platforms work?

            While more SME crowdfunding sites enter the market yearly, the basic principle behind them remains the same.

            Investors register on SME crowdfunding websites and choose a project or a campaign to invest in. Depending on the platform’s business model, whether it’s equity, P2P, or donation-based crowdfunding, investors receive either some regular returns or partial ownership of the companies.

            On the other side of the bargain, borrowers must present a compelling presentation and description of their campaign or project.

            For both sides, additional verification steps may be required to confirm their trustworthiness, credibility, and positive credit history.

            Keep in mind that as the niche keeps evolving, crowdfunding websites for SME may tailor their own registration process to improve their user experience or comply with the legislation they fall under.

             

            How to choose the best crowdfunding platform for SME?

            People naturally tend to jump onto the most popular options when looking for the best SME crowdfunding sites. Still, regardless of the platform’s reputation, be sure to research it based on the following aspects:

            • if it’s regulated;
            • if there have been any defaults or failed projects, and how they were processed;
            • if it offers buyback guarantees;
            • what fees it charges;
            • who runs the company;
            • if it has a secondary market and auto-invest feature available;
            • what general reviews are.

            This basic set of questions will help to come up with a list of SME crowdfunding platforms that match your ambitions, feel reliable, and offer just the right risk-reward ratio for you.

            On top of that, we recommend studying the platform’s terms & conditions section, and if you run into any unclear provision, don’t hesitate to reach out to the provider’s support. It’s an easy yet effective way to see how transparent the company is and how it treats its clients.

             

            How to start investing in SME projects?

            Crowdfunding platforms for SME projects offer options today for both newbies and experienced investors.

            After doing your due diligence and checking the platform’s history and trustworthiness, the next major step is to start investing. But the important part is to start small and diversify across multiple loan types.

            It’ll allow you to reduce the risks of losing all your investments and see which loan types seem more promising. We also recommend keeping up with the SME news and following investors’ blogs to educate yourself and stay in the loop with recent developments.

            crowdfunding industry report 2022
            Crowdfunding industry report 2022 is released!

            Find out how platforms adopt the European crowdfunding regulations, how they handle new marketing challenges and what they do to prepare for a potential economic decline.