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Did you know that more and more people are becoming “mini lenders” from their homes, earning interest just like a bank? That is the essence of crowdlending, a form of collaborative investment that is revolutionizing the way companies access financing and savers earn returns.
Are you interested in learning more about this investment practice? Keep reading. In this guide, we will tell you in detail what crowdlending is, how it works, what you can earn, its risks, tax aspects, and everything you need to know to invest by lending money to companies safely and wisely.
What is crowdlending and how does it work?
Crowdlending is a form of investment where individuals lend money directly to companies through digital platforms. These platforms act as intermediaries that connect investors with businesses that need financing to grow, launch products, or improve their cash flow.
The process is simple: the investor selects one or more available projects, lends the desired capital, and receives periodic payments with interest. Everything is managed online, transparently and with detailed information about the risk and conditions of each loan.
Why do companies turn to crowdlending as a source of financing?
Companies, especially SMEs, find crowdlending to be a fast and flexible alternative to traditional banking. Banks often have demanding requirements and very long approval times.
Crowdlending offers access to capital with less red tape, the possibility of negotiating more personalized terms, and speed in obtaining the money, which is crucial in times of growth or urgent liquidity needs.
Advantages over traditional bank loans
- Agility in approval and disbursement
- Lower collateral requirements
- More direct and human treatment
- Possibility of tapping into the community of customers and supporters
Types of companies that typically seek funding through this channel
Mainly SMEs in sectors such as commerce, technology, renewable energy, and services. These are usually solvent businesses that need to finance inventory, expansion, digitization, or debt refinancing on better terms.
What does the investor gain by lending money through crowdlending?
The investor acts as a lender, receiving interest on their money in return. It is a source of passive income that, if well managed, can offer higher returns than traditional products such as interest-bearing accounts or bonds.
In addition, crowdlending allows investors to participate in real economies, support specific companies, and diversify their portfolios with assets that are not correlated with the stock market.
Potential returns and interest rates
Interest rates can vary between 4% and 12% per annum, depending on the risk and term. Some platforms allow you to reinvest the interest to increase your return through compound interest.
Opportunities to diversify your investment portfolio
- You can spread your capital across many companies and sectors
- You gain access to an alternative asset with little exposure to stock market volatility
- It is an excellent option for profiles seeking recurring income
Risks associated with crowdlending
Like any investment, crowdlending has risks. The main one is default by the borrowing company. That is why it is essential to analyze each project, its risk rating, and diversify your investment.
It is also important to consider that this is a less liquid investment: you cannot always recover your money before maturity.
Risk of default and loss of invested capital
Despite prior analysis, there is always a risk that a company will not be able to repay the loan. Some platforms have provision funds or legal recovery systems, but these do not guarantee full repayment.
Lack of liquidity and problems recovering money early
As there is no developed secondary market on all platforms, you may have to hold your investment until maturity. This limits flexibility if you need the money quickly.
Legal and tax aspects of crowdlending
Crowdlending is regulated in many countries, which provides greater security. Platforms must comply with legal requirements, provide clear information, and protect investors.
From a tax perspective, the interest generated must be declared as capital gains and may be subject to withholding tax.
Current regulations in Spanish-speaking countries
In Spain, for example, the CNMV supervises the platforms. In Latin America, countries such as Mexico, Colombia, and Chile have developed specific regulations for fintech platforms.
How are profits from crowdlending taxed?
- They are declared in the investor’s annual income
- In some countries, they are subject to automatic withholding
- It is advisable to keep detailed records of interest received and expenses
Invest in crowdlending and diversify your finances
Investing in crowdlending is an excellent option for investors seeking diversification, attractive returns, and participation in the real economy. However, it is essential to be well informed, choose regulated platforms, and not concentrate risk.
If you decide to try it, do so with discretion, strategy, and a long-term vision. Investing by lending money to companies in 2025 can be an effective and modern way to grow your wealth.
Frequently asked questions about crowdlending
Investing through crowdlending platforms may seem like new territory for many investors, especially if this is the first time they are considering lending money directly to companies. These frequently asked questions are designed to provide clarity, practical context, and help you make more informed decisions.
What is the difference between crowdlending and crowdfunding?
Crowdlending involves lending money and receiving interest. Crowdfunding can be a donation or an advance purchase with no return of capital. Both use online platforms, but their financial structure is different.
Is it legal and safe to invest in these types of platforms?
Yes, as long as you operate on platforms regulated by official bodies and verify their transparency, security protocols, and risk assessment.
What happens if the company does not repay the loan?
It depends on the contract. Some platforms activate recovery processes and offer insurance or partial coverage funds. Even so, the risk of total loss exists.
Can you live off the interest from crowdlending?
In theory, yes, if the capital invested is sufficient and diversified. However, due to the risks and lack of guarantees, it is recommended to combine it with other sources of passive income.
