Peer-to-Peer (P2P) Lending platforms in Portugal


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GoParity is a crowdfunding platform based in Portugal that focuses on debt-based P2P lending. It was founded in 2017 and primarily caters to the SME industry, with a specific emphasis on sustainability, green energy, social causes, farming, and maritime projects. The platform offers an opportunity for individuals and institutions to invest in sustainable projects and earn competitive returns starting from a minimum investment of €5. GoParity aims to simplify the investment process and connect citizens who are interested in supporting environmentally friendly initiatives. With a multilingual interface available in English, Spanish, and Portuguese, the platform ensures accessibility to a wider audience. Investors can browse through the available projects and choose the ones they are interested in contributing to. The returns on investment are advertised at 0.06, making it an attractive option for individuals looking to diversify their investment portfolio and support impactful ventures. GoParity welcomes both private investors and institutional investors, providing an inclusive investment opportunity for anyone interested in supporting sustainable projects in various sectors. By investing as little as €5, investors can contribute towards the overall loan value of the projects they choose to support. Overall, GoParity offers a user-friendly and accessible platform for individuals and institutions to invest in sustainable projects and make a positive impact on the environment and society.

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Scramble is a crowdfunding platform founded in 2020 that operates in multiple countries across Europe including Austria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Serbia, Slovakia, Slovenia, Spain, Sweden, Switzerland, and the United Kingdom. The platform focuses on P2P lending investments in the startup industry. Scramble is a financial technology company with its headquarters based in Tallinn, Estonia. Its team is distributed throughout Europe, allowing for a diverse range of investment opportunities. The platform operates primarily in English, making it accessible to international investors. The minimum investment on Scramble is 10 EUR, allowing for small-scale investors to participate in crowdfunding campaigns. The advertised return on investment is 0.12, providing potential returns for those who invest through the platform. While most of Scramble's investors are based in the EU, the platform also accepts investors from other countries that are not prohibited by laws or sanctions. This open approach to investor eligibility allows for a wider pool of potential investors to contribute to startup projects. In summary, Scramble is a pan-European crowdfunding platform that specializes in P2P lending for startups. With its distributed team across various European countries and its headquarters in Estonia, the platform offers accessible investment opportunities primarily in English.

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Citizenergy is a crowdfunding platform based in Portugal that specializes in P2P lending for green energy projects. Founded in 2012, it aims to promote cross-border investment in sustainable energy and provide information on opportunities from crowdfunding platforms and other sources. As a recipient of European Union funding, Citizenergy has established itself as a pioneer in the field of sustainable energy crowdfunding. Their website, accessible at, offers a user-friendly platform where investors can participate with a minimum investment of just 1 EUR. Unfortunately, the overview does not provide specific details about the advertised return on investments, leaving it unclear what potential investors can expect in terms of financial gain. However, the emphasis of Citizenergy lies in fostering investments in sustainable energy projects, which aligns with the growing demand for environmentally friendly solutions. One notable feature of Citizenergy is its commitment to providing information on sustainable energy initiatives from a variety of sources, including both crowdfunding platforms and other relevant organizations. This expansive approach allows investors to gain a comprehensive understanding of available opportunities and make informed investment decisions. In terms of eligibility, there is no information provided about who can invest in Citizenergy. It would be helpful to know if the platform is limited to residents of Portugal or if it is open to investors from around the world. Overall, Citizenergy presents itself as a pioneering crowdfunding platform that is dedicated to promoting sustainable energy projects and attracting cross-border investment. With its user-friendly platform and commitment to providing comprehensive information, it offers an exciting opportunity for individuals interested in supporting the green energy transition.

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Edebex is a crowdfunding platform operating in Belgium, France, Luxembourg, and Portugal. Founded in 2014, the platform focuses on peer-to-peer lending, specifically catering to small and medium-sized enterprises (SMEs). Edebex offers an innovative solution, allowing companies to sell their client invoices to investors on their online marketplace. By doing so, businesses can receive their payment within a few days, eliminating the need to wait for the invoice's due date. This quick and easy process provides immediate liquidity to companies, helping them manage their cash flow effectively. On the investor side, Edebex provides an opportunity to invest in these invoices, offering an alternative form of investment beyond traditional methods. However, specific details regarding the advertised return are not provided. Edebex's website serves as the platform for conducting these transactions, providing a convenient and user-friendly interface for both companies and investors. The platform does not specify the minimum amount for investment, but states that the minimum investment for selling invoices is set at 100,000 EUR. Overall, Edebex presents itself as a beneficial platform for SMEs seeking immediate access to funds through selling their invoices, while also providing an avenue for investors to diversify their portfolio.