Loan-based crowdfunding
Faster and lighter than bank credit, without collateral, at a clearly higher price. Typical amount: typically €50k–1M (interest typ. 6–12% + fees).
Facts last verified 23.7.2026
Faster and lighter than bank credit, without collateral, at a clearly higher price.
Key facts
- Provider: Crowdfunding platforms
- Type: Loan
- Typical amount: typically €50k–1M
- Rate / terms: interest typ. 6–12% + fees
- Legal basis: Market terms
- Who it is for: Micro to medium companies · investment, working capital
How to apply
There is no application form here — this is a negotiation. Banks assess repayment ability and collateral: bring up-to-date financials, a cash-flow forecast, and a clear use of funds. Investors assess the growth story: bring evidence of traction and a defensible view of the market.
Competition works in your favour. Terms for loans, leasing, factoring and investment vary widely between providers, and a second offer is the strongest negotiating tool there is.
Public instruments often stack with market financing — a Finnvera guarantee can turn a bank's no into a yes, and a grant-funded project makes the investor case stronger.
Frequently asked questions
How much funding does Loan-based crowdfunding provide?
Typical amount: typically €50k–1M. Support level / terms: interest typ. 6–12% + fees.
Who can apply for Loan-based crowdfunding?
Provider: Crowdfunding platforms. Company size: micro, small, medium. Typical use: investment, working capital.
On what legal basis is Loan-based crowdfunding granted?
Market terms.
Indicative screening information, not advice. Amounts and rules change, so confirm the current terms and eligibility with the provider before you rely on them.
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