BEST CROWDLENDING PLATFORMS 2025

1. Maclear

Maclear is a Swiss P2B lending platform connecting investors with European companies and allowing investments in loans backed by real assets. Founded in 2017, it offers an average return of 14% – 15% per year and a guaranteed buy-back system that provides strong investor protection.

  • 💰 Average return: 14% – 15%
  • 🛡️ Guaranteed buy-back: Yes
  • ⚖️ Regulated in: Switzerland
  • 📆 Since: 2017
  • 📈 Default rate: Below 0.5%
PROMO CODE LEARN MORE

2. Debitum Investments

Debitum Investments has been operating since 2018, offering highly attractive returns with a 0% default rate. It is a fully regulated Latvian platform allowing investments in business loans with guarantees and high transparency.

  • 💰 Average return: 10% – 12%
  • ⚖️ Regulated in: Latvia
  • 📆 Since: 2018
  • 📈 Default rate: 0%
  • 🛡️ Guaranteed buy-back: Yes
PROMO CODE LEARN MORE

3. Twino

Twino is one of the oldest P2P lending platforms in Europe, operating since 2009. Fully regulated, it offers loans with a guaranteed buy-back and average annual returns around 10%. Its track record shows a near-zero default rate.

  • 💰 Average return: 10% – 12%
  • ⚖️ Regulated in: Latvia
  • 📆 Since: 2009
  • 🛡️ Guaranteed buy-back: Yes
  • 📈 Default rate: 0%
PROMO CODE LEARN MORE

4. Mintos

Mintos is Europe’s largest P2P investment platform with over 500,000 investors. Founded in 2015 and regulated by FCMC in Latvia, it offers average returns of 10% – 12% with buy-back guarantees on most loans.

  • 💰 Average return: 10% – 12%
  • ⚖️ Regulated by: FCMC (Latvia)
  • 📆 Since: 2015
  • 🛡️ Guaranteed buy-back: Yes
  • 📈 Default rate: Very low
PROMO CODE LEARN MORE

5. Ventus Energy

Ventus Energy is an innovative green energy crowdlending platform financing renewable energy projects across Europe. It offers both senior and mezzanine loans with returns ranging from 6% to 20% per year, all backed by real assets and energy contracts.

  • 💰 Average return: 10% – 20%
  • 🔋 Investment type: Renewable energy
  • 📆 Since: 2020
  • 🛡️ Collateral: Real assets
PROMO CODE LEARN MORE

6. Urbanitae

Urbanitae is Spain’s leading real estate crowdfunding platform, regulated by CNMV since 2019. It offers high-value development projects with average returns of 10% – 17% per year and minimum investments from €500.

  • 🏗️ Investment type: Real estate
  • 💰 Average return: 10% – 16%
  • ⚖️ Regulated by: CNMV (Spain)
  • 📆 Since: 2019
PROMO CODE LEARN MORE

7. Wecity

Wecity is a Spanish real estate crowdfunding platform regulated by CNMV. Since 2020 it offers investment in real estate projects with returns up to 15% per year and high transparency standards.

  • 🏢 Investment type: Real estate
  • 💰 Average return: 10% – 15%
  • ⚖️ Regulated by: CNMV (Spain)
  • 📆 Since: 2020
PROMO CODE LEARN MORE

8. Civislend

Civislend is one of Spain’s pioneering real estate crowdlending platforms, regulated by CNMV since 2016. It offers returns between 8% and 12% on selected projects with a solid performance record.

  • 🏘️ Investment type: Real estate
  • 💰 Average return: 8% – 12%
  • ⚖️ Regulated by: CNMV (Spain)
  • 📆 Since: 2016
PROMO CODE LEARN MORE

9. Indemo

Indemo is a new European crowdlending platform based in Luxembourg and regulated under ECSP. It focuses on short-term consumer and SME loans with strong guarantees and expected returns up to 15%.

  • 💰 Average return: 12% – 15%
  • ⚖️ Regulated under: ECSP (EU)
  • 📆 Since: 2023
  • 🛡️ Guaranteed buy-back: Yes
PROMO CODE LEARN MORE

10. HIVE5

HIVE5 is a Croatian P2P lending platform for consumer and business loans, launched in 2022. It connects investors with European loan originators and offers an annual return of up to 12%–16%, with a buy-back policy after approximately 60 days of delay. The platform is currently not regulated by a European financial authority.

  • 💰 Average return: ~12%–16% per year
  • 🛡️ Buy-back guarantee: Yes, after ~60 days delay depending on originator
  • ⚖️ Regulated in: Croatia
  • 📆 Founded: 2022
PROMOTIONAL CODE LEARN MORE







Crowdlending platforms with bonus, promotional codes, promo coupon, invitation code, friend referral code, referral, offer, coupon, code, codes, crowdfunding platforms, real estate platforms, best profitability, best returns, investment, best investments, crowdlending, crowdlending investment, crowdlending platforms, crowdlending profitability, alternative investment, investment return, high-yield investment, investing in crowdlending, best crowdlending platforms, real estate crowdfunding investment, low-risk crowdlending investment, crowdlending platform profitability 2025, highest-return crowdlending platform, how crowdlending works for investors, invest from €100 crowdlending, best P2P crowdlending investments, crowdlending risk and return Spain, compare crowdlending platforms performance, invest in real estate crowdlending Spain, what is crowdlending and how to invest, annual crowdlending return vs stock market, best crowdlending platforms 2025, best crowdlending platforms 2026, best crowdfunding platforms 2025, best crowdfunding platforms 2026, register crowdlending platform, open crowdlending account, minimum crowdlending investment, crowdlending promo code, start investing crowdlending, crowdlending promotional codes, crowdlending promo coupon, crowdlending invitation code, crowdlending friend referral code, crowdlending referral, crowdlending offer, crowdfunding promo code, start investing crowdfunding, crowdfunding promotional codes, crowdfunding promo coupon, crowdfunding invitation code, crowdfunding friend referral code, crowdfunding referral, crowdfunding offer