What is crowdlending?

What is crowdlending?

Crowdlending is a regulated financial product and a subtype of crowdfunding that facilitates loans through digital platforms like Goparity.

For investors, it’s a way to directly finance projects they believe in while earning returns that are often more attractive than other financial products. However, crowdlending involves risks, including the potential loss of the invested capital.

For project promoters, it offers an alternative to bank loans or other forms of capitalization.

Goparity operates on a peer-to-business lending model, facilitating loan agreements between:

Investors – who lend money to fund projects.
Project promoters – who borrow funds for sustainable initiatives

Find out more about Goparity's business model here.

When a project promoter raises funds via Goparity, they enter into a loan agreement with all investors, committing to repay the loan with interest as outlined in the agreement. Investors must accept the contract before investing.

At Goparity, every campaign undergoes a thorough risk assessment, includes a loan agreement and a Key Investment Information Sheet (KIIS), and is supported by a debt recovery protocol in case of promoter default.

Most Frequently Asked:

How do you decide whether a project is impactful or not?

How do investments at Goparity work?

How do I start investing?

Ready to
invest?

Accounts are free and investments
and starts as little as 10€

Do you need
funding?

Make a real time simulation and
get a proposal within 48h

hello@goparity.com

Business Office

Rua Marquês de Fronteira 8
4º Esq
1070-289 Lisboa
Portugal

GOPARITY (www.goparity.com) is a platform of crowdfunding by loans (crowdlending) managed and owned by Power Parity, SA, a public limited company, with number 514373822, and registered office at Rua Filipe Folque, 2, 1st floor, 1050-110 Lisbon (Portugal), licensed by the regulatory and supervisory body CMVM (Portuguese Securities Market Commission), under Regulation (EU) 2020/1503 (European Crowdfunding Regulation).
The payment services available through the platform are provided by MangoPay SA, a registered electronic money institution based in Luxembourg and supervised by the CSFF (Commission de Surveillance du Secteur Financier), registered with Banco Portugal (the Portuguese regulator) under no. 7830.
Investments in crowdlending carry a risk of a partial or total loss of the funds invested. The return on your investment depends on the project's success developed through the campaign in which you invest. Your investment is not covered by the deposit guarantee schemes established by Directive 2014/49/EU nor by the investor compensation schemes established by Directive 97/9/EU. Please consider all risks before investing and carefully read the Key Investment Information Sheet (KIIS) provided to you before investing.