Ener2Crowd AI Overview on 09/2025

Overview of Ener2Crowd 🌱

Ener2Crowd is an Italian crowdinvesting platform focused on sustainable energy and climate projects, offering both lending (debt) and equity investments. It is one of the first platforms regulated under the EU ECSP rules, authorized by CONSOB and Banca d’Italia (see CONSOB Delibera No.22877, Nov 8, 2023). The platform promotes 100% green projects, uses an internal ESG-risk rating (EnerScore+), and even tracks CO₂ avoided. Typical advertised returns are 6–10% gross per year, with no account fees. Key advantages include regulatory oversight, social impact certification, and transparency. Major risks are highlighted as project default, illiquidity (no ready secondary market), and loss of capital⚠️. Investors should also consider that returns are never guaranteed and tax/timing conditions vary.

Ener2Crowd Investment Products and Structure 📊

Ener2Crowd offers two main product types: Lending (fixed-income) and Equity crowdfunding. In lending, investors provide loans to green projects or companies and earn interest plus principal, whereas in equity they acquire shares (ownership stakes) and share in future profits. Returns come from interest payments (for loans) or any dividends/capital gains (for equity). The legal setup is an Italian S.r.l. Società Benefit (social enterprise); projects are often financed via special-purpose vehicles or company notes. Projects must be Italian/EU-based energy or environmental ventures (100% green projects). Investment terms vary: average loan durations are 2–3 years (2024 data), yields ~6–10% (some projects up to ~13%), and minimum tickets around €300 (some equity deals start at €1,000). Major risks include borrower default (the platform’s 2023 report shows near-0% defaults overall but one high-risk category had 100% default that year), late or missed payments, and complete loss if a company fails⚠️. Illiquidity is also a risk since early exit is generally not possible.

Company and Leadership of Ener2Crowd 👥

Founded in Milan, Ener2Crowd S.r.l. SB is an “Innovative SME” Società Benefit. The co-founders and leaders include Niccolò Sovico (CEO), Sergio Pedolazzi (COO/Co-Founder), and Giorgio Mottironi (CSO/Co-Founder), with Paolo Baldinelli as Executive Chairman. The company is headquartered in Milan, with a Spanish office in Madrid. It is privately owned; info on investors isn’t publicly listed, but it partners with energy utilities and finance firms. It holds all required regulatory licenses: authorized by CONSOB (registration under ECSP with resolution 22877/2023) and operates its payment services via Lemonway (a regulated EU payment institution). Ener2Crowd carries professional liability insurance as mandated. Key partners/backers include local energy companies (e.g. DolomitiEnergia mentioned by users) and institutional funds co-financing projects (e.g. Riello SGR partnership, finalist in Private Debt Award 2025). No regulatory warnings or sanctions against the platform were found; on the contrary, it highlights its compliance and “100% green” focus as a differentiator.

Ener2Crowd Volumes and Performance 📈

Growth: As of late 2024 the platform had financed over 140 projects totaling ~€31 million. By early 2025 this grew to 150+ projects and around €30–51 million raised. The official site reports about €51M total funded, with ~18,400 registered users (GreenVestors) and over 1.14 million tons CO₂ avoided. In 2024 alone, Ener2Crowd originated about €11 million with an average gross yield ~8%. Investor returns: The platform cites an average historical portfolio yield ~7.9% (gross). Many investors report getting ~6–10% yields (some campaigns advertise up to ~13%. Defaults/Delays: Ener2Crowd’s 2023 statistics show no defaults in most risk categories and one default in the highest-risk bucket (per CONSOB reporting). Reported late repayments are very low (~<1%). The capital repaid to investors by 2024 was ~€19.7M. Loss rates are not public, but the platform claims extremely low default history (0% historically in energy projects, per company datai).

Ener2Crowd Risk Management Approach 🛡️

Ener2Crowd uses a rigorous vetting process. Project selection: Every proposal is reviewed by in-house and external experts (often with partner ESCO firms) for technical, financial and ESG criteria. The platform requires full documentation for each project and publishes these for investors. An internal risk rating (“EnerScore+”) is assigned to each project, reflecting ESG impact and credit risk. Only projects with a clear environmental benefit are accepted. Sector/Geography: Focus remains on Italian (and some EU) renewable energy, efficiency, water and circular economy projects. Monitoring: Issuers must report progress; investors can track repayments and environmental impact via their dashboard. The platform has a complaints and fraud-prevention policy. In sum, Ener2Crowd emphasizes diversification (investors are advised to limit exposure) and transparency, but notes that no guarantee exists. Regulatory compliance (EU ECSP) also mandates disclosures of risk.

Ener2Crowd Platform Functionality and User Tools 💻

Ener2Crowd provides a user-friendly online portal and mobile app (Italian/English) where investors register, fund a digital wallet, and select projects. Users can track their portfolio and CO₂ impact in an interactive dashboard. There is no secondary market and no auto-invest feature; investments lock in for the project term. Currency is Euro only. The platform includes “diversification” aids like thematic search and project comparison by Enerscore rating. There are no special insurance or capital guarantee – but the platform itself holds a liability insurance. Investor support is via email, chat, phone (Enerline). Expert tools include detailed project documents and KIIS risk reports for each offer. No significant third-party review tools or analytics are integrated. Overall, the platform is noted as technical and green-focused, with responsive (but sometimes slow) customer service. Trustpilot users rate the UX positively, though some note issues completing registration.

Ener2Crowd Pricing and Fees 💰

Investors: There are no sign-up or management fees – wallet funding and account opening are free. Fees are charged on returns: for lending investments, Ener2Crowd takes 3% of interest received and 10% of any default/late interest. For equity, a 2% subscription fee on the invested amount applies. These charges are automatically withheld from payments. (Not all projects charge every fee; check each offer’s key info sheet.) Any bank transfer or currency conversion fees from payment providers are extra. Fundraisers (project owners): pay all campaign fees. Ener2Crowd typically charges 4–7% of capital raised plus an ongoing 0.5% fee on repayments. All fees are disclosed up front in the campaign documents. Overall, the pricing model is transparent: the Prospectus Key Info Sheets (KIIS) detail all costs. Investors should note there is no state-backed guarantee or recourse beyond the platform’s policies, and fees reduce gross yields slightly.

Negative Publicity about Ener2Crowd 🔍

We found no major scandals or regulatory sanctions involving Ener2Crowd. Media coverage is generally promotional. However, some user complaints appear on forums/review sites. For example, one investor reported difficulties completing the registration (mobile app sign-up issues) and slow customer support. A few others note occasional delays in new campaign launches or limited project variety. Critiques also cite the standard P2P risks (defaults, illiquidity). Blogs and comparison sites (e.g. Traders Union) note that most feedback is positive (customer loyalty 5/5), and negative comments (about 5% on Trustpilot) are mainly process issues. No alerts from regulators (CONSOB, Bank of Italy) have been issued. We did not find any reports of failed projects or investor losses in mainstream media. Overall, Ener2Crowd’s transparency (public docs, disclosed fees) mitigates reputational issues, but investors should remain aware of crowdfunding risks.

Success Stories and Milestones 🚀

Ener2Crowd highlights several successes. It has financed notable campaigns like the Water Partners water-treatment startup, which raised about €1.448M on the platform (out of a €1.8M goal, Oct 2024). The company proudly showcases funded totals: as of early 2025 over 150 projects funded, €30M+ raised, 15k+ active investors and 20,000 tons of CO₂ avoided. It earned recognition: certified as a Società Benefit in 2021 (embedding ESG goals), became “#1 green investment app in Italy” per their own press, and was finalist for a Private Debt award with Riello Investimenti SGR in 2025. Partnerships include local utility Dolomiti Energia and environmental NGOs (e.g. Tree-Nations for reforestation). The platform also runs investor engagement programs (e.g. “Ener2Travel” contest with sustainable travel vouchers). Media outlets LifeGate and MediaKey have featured Ener2Crowd’s growth and studies of wealth transfer. These milestones demonstrate its traction in the Italian alternative finance market.

Is Ener2Crowd safe and regulated?

Yes. It is authorized by CONSOB and supervised by Banca d’Italia under EU law (Regulation 2020/1503). However, investments are not covered by any government guarantee.

What returns can I expect on Ener2Crowd?

Historically, lending projects on Ener2Crowd offer about 6–10% gross annual interest (some up to ~13%). Equity projects carry more risk but higher potential. Remember these are estimates, not guaranteed.

What are the main risks?

As with any crowdlending/equity: Default risk (borrower may fail to repay), illiquidity, and capital loss (especially equity if a company fails). Diversification is crucial. Plus, projects in technology/energy can face technical/regulatory setbacks. Ener2Crowd emphasizes portfolio limits (e.g. experts suggest max ~10% of savings) and robust due diligence, but investors bear all credit risk⚠️.