Ecrowd!

Basic information

For Investors

What investments does Ecrowd offer?

Ecrowd is a crowdlending platform, meaning that you can lend money to verified and approved project investments in the real economy. These projects are profitable and generate a positive impact on society or the environment. Examples of such investments can be in energy efficiency, improving local telecom networks where the major players do not offer these services, and renewable energy.

What is a risk when investing on Ecrowd?

On Ecrowd you provide loans to the companies thus main risk is that the company will go bankrupt and you will lose your money. To evaluate this risk, you need to evaluate the company's future and historical financial performance, the team's ability to successfully develop the business and the market where the company operates, whether is there a demand for a product, the level of competition, and so on. Those are a few risks, but they might differ for each business, therefore it is important that you will perform your own analysis.

How does Ecrowd work?

Ecrowd operates a crowdlending platform where private people lend small quantities to a company, a project, or another person, through an online platform. All these small contributions together make up the total amount of the loan. The person or company that receives the loan, pays periodically to every investor principal and interest according to the agreed conditions.

Investment Types on ECrowd!

ECrowd! offers debt-based investments (crowdlending), where investors provide loans to fund real-world projects with tangible social and environmental benefits. These loans are typically backed by assets or revenue from the funded projects, providing security to investors. ECrowd! focuses on small-scale investments, ranging from €25,000 to €300,000, and projects often have a defined return schedule based on loan agreements

How Does ECrowd! Work?

ECrowd! operates as a crowdlending platform, allowing companies, municipalities, and cooperatives to raise funds through collective loans. Investors lend money directly to these projects and earn returns based on a loan agreement. The platform focuses on projects with a strong positive impact, such as improving energy efficiency or supporting sustainable public infrastructure.
The platform thoroughly vets each project before listing it, ensuring it meets financial, technical, and legal viability criteria. Once a project is published, investors can select opportunities based on their financial goals and impact preferences, typically starting with a minimum investment of €50​

Risks of Investing on ECrowd!

Investing on ECrowd! involves the typical risks of crowdlending, including the potential for borrower default and delayed payments. However, the platform's emphasis on asset-backed loans offers a degree of security, as projects are often tied to tangible assets. There is also a risk of limited liquidity, as ECrowd! does not offer a secondary market for selling loan positions. Investors should consider these risks and assess the specific project details before committing their capital​