GoParity is a Portuguese crowdlending platform for sustainable impact projects. Founded in 2017 (app launched 2019), it connects retail investors to companies promoting UN Sustainable Development Goals. As a CMVM‑licensed EU “European Crowdfunding Service Provider,” it’s regulated by Portugal’s securities regulator. The platform emphasizes transparency, auto‑invest tools and social/environmental impact tracking (CO₂ avoided, jobs created, etc.). Investors earn ~5–6% yearly (advertised 5.7%) via loan interest. Key advantages: low entry (from €10), regulated status, B‑Corp certified, impact focus and investment tools (app, dashboards, auto‑invest). Main risks: capital is at risk (no deposit insurance), loans can default or be delayed, and investments are illiquid/long‐term. Recent data show higher-than-expected defaults (15% in 2023) and some investor complaints about delays.
GoParity offers crowdlending loans to sustainable businesses (energy, water, agri‑social, circular economy, etc.). Investors lend money (minimum €10) to projects and receive monthly principal + interest payments (amortizing loans). Typical loans run ~5–7 years, with interest rates advertised 4.5–6% (average ~5.2%) According to the site, investor fees are virtually zero: account opening, deposits and lending are free, with only small charges (e.g. €0.50 withdrawals). Borrowers pay setup and servicing fees (around 2.5–4.5% of funds raised plus ~1% annual loan servicing). Each project is risk‑rated (A to D) – GoParity doesn’t fund “high risk” projects (no rating below C+)statistics.goparity.com. Despite due diligence, key risks include defaults (potential loss of principal) and liquidity (loans can’t be redeemed early, except via limited secondary sales).
GoParity is owned by Power Parity, S.A. (a Lisbon-based SA, NIPC 514373822). It was co‑founded by CEO Nuno Brito Jorge (background in renewable energy/finance) along with COO Luís Couto and CCO Manuel Nery Nina. The team (~17 people) has diverse backgrounds (finance, engineering, sustainability). The company is B‑Corp certified (since 2018, recertified 2024) and has won sustainability awards. It holds a Portuguese CMVM crowdfunding license (EU Reg 2020/1503), allowing campaigns across the EU. Payment processing is via MangoPay (Luxembourg‑based, supervised by CSSF/Banco Portugal). No negative regulatory actions are known; Goparity’s investor disclosures clearly warn of total loss risk and note no deposit guarantee or investor compensation scheme applies.
GoParity has rapidly grown: by late 2023 it had financed €12.8M in campaigns (record year). Management reports €33M raised by early 2024, and by early 2025 total investments surpassed €50M (supporting ~418 projects). The platform now has ~30–45K registered users globally. In 2024 alone it funded 225 loans, of which 17 were in default (~7.6%). (By comparison, 2023 saw ~29 defaults on ~194 loans, ~15%.) GoParity claims no capital has been irretrievably lost to date, but some loans are delayed. Average investor returns are in line with advertised 5–6%. The site’s stats page (as of 03/2023) notes ~264 projects funded, 43 fully repaidstatistics.goparity.com. Latest figures (Q1 2025) show ~418 total projects. Key metrics (mid-2024): total funded ~€50M, ~400 projects, ~45K users. CMVM Default Reports (2023‑24) document historic default rates: 1.64% (2021), 5.6% (2022), 14.95% (2023), 7.56% (2024). No official “loss rate” was reported, though overdue loans are evident.
GoParity screens projects via due diligence on financials and impact. Each loan undergoes internal analysis, plus third‑party credit reports. Only projects meeting at least one UN SDG are listed The platform uses a proprietary risk rating (A+ to R) and won’t fund below C+statistics.goparity.com. Sector filters focus on renewables, sustainable agriculture, social enterprises, etc.. It monitors funded projects through regular updates: promoters submit progress reports, and investors can track repayments via the dashboard. If a loan is late (>90 days), GoParity “activates recovery mechanisms” (rescheduling, legal action). However, some users report sparse updates when delays occur. There is no insurance or buyback guarantee. Loans are amortized (monthly principal+interest), which partially reduces default risk over time. Overall, GoParity’s internal risk approach is thorough but inherent crowdfunding risks remain high.
The investor interface is feature‑rich. A web and mobile app (iOS/Android) allow account funding via SEPA or card, portfolio tracking, and dashboards. An auto-invest tool lets users define criteria (risk grade, sector, return) to deploy funds automatically. A secondary market exists where lenders can sell outstanding loans (entire position after 30 days) to improve liquidity. Investors receive detailed project pages (business plan, financials, impact KPIs) before funding. Impact metrics (jobs, CO₂ saved) are tracked per project. Built‑in calculators/simulations help estimate returns. All transactions flow through personal Goparity wallets (hosted by MangoPay), and funds remain in investor control until a loan is formalized. The dashboard shows invested vs. returned capital, interest earned, etc., with notifications of payments. Supported languages: PT, EN, ES; currency: euro. Customer support is via email/chat/FAQ; the company maintains transparency in reports and statsgoparity.com. Overall the platform balances automation (auto-invest, planned savings) with investor control and reporting.
Investor fees: There are no routine fees for investors. Account opening, deposits, and making loans are free. Withdrawals after lending (SEPA) are free; €0.50 per withdrawal if outside SEPA or immediate. A 1% fee applies if you withdraw funds without lending them first. Converting or transferring a loan on the secondary market costs 1% of outstanding principa. Small fees (e.g. €0.50) apply for instant withdrawals or under-€40 direct debits. All costs are clearly listed and taxable VAT is added. Promoter (borrower) fees: These are higher: up‑front campaign fees of ~2.5–4.5% of the amount raised (sliding scale by size), plus ~1%/yr servicing on outstanding loans. Additional fees (contract amendments, late payment processing, etc.) are specified in the price list. Returns to investors are advertised gross (promoters factor fees into the loan APR). The fee model is transparent and published on the site (Investor Info and Pricelist documents).
Some investors have voiced concerns and controversies. On review sites and forums, common complaints include delayed repayments and “wishy-washy” communication. For example, Reddit users report projects severely overdue (some 6+ months late) with scant updates. A notable case: one backed project (Cantinho das Aromáticas) collapsed after GoParity had financed it with a 5% loan; investors were alarmed that the company was in crisis at funding time. Trustpilot reviews are mixed (rating ~3.3/5), with some praising the mission and others highlighting defaults or perceived mismanagement. One user accused management of sending political content in newsletters. Regulatory issues: No public sanctions or warnings have been found. CMVM approved GoParity’s EU license, indicating compliance. However, the sharp rise in defaults (15% in 2023) and anecdotal repayment delays are clear red flags that should concern investors. We did not find evidence of fraud or insolvency of the platform itself, but these operational glitches and project failures underline the high-risk nature of P2P lending.
GoParity touts several achievements. It is a Certified B Corporation (first certified 2018, recertified May 2021) with a high impact score (93.2). By 2024 it had over 50,000 investors globally and financed 400+ projects Impact figures (from B Corp data): >5,000 jobs created, 30 tons CO₂ avoided annually. The platform earned industry awards: notably it won the 2024 CTT e‑Commerce Award for “Green Initiative”, recognizing its sustainability focus. In early 2024 GoParity hit record funding volumes (€12.8M raised, best month December). Key milestones include obtaining the CMVM EU crowdfunding license (late 2023), and launching a funding round to let users buy equity (2025). Partnerships include MangoPay (for payments) and various NGOs. Media & blogs often praise its impact-driven model. Overall, GoParity has established itself as a leading European platform for “earning by doing good,” with rapid growth and notable recognition.
Yes, it’s a licensed EU crowdfunding service provider (CMVM‑regulated). All funds flow via MangoPay (segregated accounts) and KYC/2FA protect investor accounts. However, “safe” here means regulated – your money is not guaranteed.
Typical interest rates are 4.5–6% p.a.. Actual ROI depends on projects chosen, but average yields have been ~5–5.3%. Remember these are high-risk loans (not fixed interest).
Credit risk is primary: projects may default (2023 default rate ~15%, 2024 ~7.6%). There’s no government safety net. Illiquidity is also a risk (loans can’t be easily sold). Other risks: platform failure (though a “continuity mechanism” exists), currency risk (only EUR), and project execution risk. Investors should not assume any principal guarantee – total loss is possible.
This platform have no rating yet. Be the first to rate!