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What is crowdlending?

Crowdlending is a regulated financial product and one of the existing subtypes of crowdfunding, which works through loans intermediated by digital platforms such as Goparity.  

For investors, it is an opportunity to directly finance projects they believe in and with a return that is often more attractive than other financial products. However, crowdlending carries a risk of losing the capital invested. 

For entities looking to finance themselves in this way, it is an interesting alternative to a bank loan or other forms of capitalization. 

Goparity operates on a peer-to-business lending basis, which means that it intermediates the conclusion of contracts between: 

1) Investors/borrowers

2) Promoters of projects to be financed/borrowers. 

Find out more about Goparity's business model here.

When a project promoter raises investment through a crowdlending campaign on Goparity, it is bound by a loan agreement with all investors and undertakes to repay the capital and interest under the terms set out therein. The investor must accept the contract before investing. 

It is important to know that, at Goparity, any campaign is preceded by a detailed risk analysis, has a loan agreement, has a Key Investment Information Sheet (KIIS) and that, in the event of the promoter defaulting on the loan, there is a debt recovery protocol.