Crowdlending is crowdfunding for loans. Interestes people lend small amounts to a company, a project or private person through a web platform, and all the small amounts together make uo for the total amountt. The person or company receiving the loan, pays periodically to each investor principal repayment and interest, according the agreed conditions.
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ECrowd! is a crowdlending platform, meaning that you can lend money to verified and approved project investments in the real economy. These project are profitable and generate positive impact
At ECrowd! you will not find any speculative project.
Very simple: each loan is published with a term (period), an fixed interest rate and a re-payment schedule. We do not apply auctions or variable interest. Each month you will receive principal and interest payments, without any cost or commission.
To invest you have to be a registered investor, you can register here. Once registered, chose the project you are interested in, and indicate the amount you would like to invest. For projects smaller than 100.000€ we request full payment, for bigger projects we request an initial downpayment of 10%. In this case we will only request the remaining amount, once enough investors have shown interest to invest, and once the external validation has been realized and approved.
More information can be found here.
The interest rates on the ECrowd! platform are fixed rates. When official rates rise, your investment might lose attractiveness compared with alternatives, but this will not affect the repayment schedule.