The Best Crowdlending Platforms in Spain (2026)

• 19 platforms analysed
• target returns of 9–15%
• data verified June 2026
• quarterly review

2026 ranking: our top 10

These are the ten highest-scoring platforms of the 19 we track. Each score condenses six weighted criteria — from the strength of the licence to liquidity — and is recalculated every quarter using the figures each operator publishes. If you want the full table, including the remaining nine platforms and their weak spots, it lives in the complete platform ranking.

Data verified as of 7 June 2026.

One important caveat before we go on: topping the ranking does not make a platform right for every investor. Maclear, for instance, offers the best combination of transparency and returns in our database (14.5–14.9% per year, data as of 7 June 2026), but it operates under Swiss supervision and without a buyback guarantee. Mintos pays less (9–11%) and, in exchange, is the only platform in the top 3 with a MiFID II licence supervised by Latvia's central bank since 2015. Investing in loans carries the risk of losing your capital in every case, licence or no licence.

How we picked the best platforms

We do not rank platforms by commission or by sympathy: each one receives a score from 0 to 10 built on six weighted criteria, always the same and always public:

• Regulation (25%): the type of licence (ECSP, MiFID II, national supervision or none) and who actually does the supervising.
• Protections (20%): buyback guarantee, collateral and what happens to your money if the platform goes under.
• Returns (20%): the rates on offer relative to the risk taken, not the biggest number on the banner.
• Transparency (15%): published accounts, portfolio statistics and clarity about who originates the loans.
• Track record (10%): years in operation and crisis cycles survived.
• Liquidity (10%): secondary market, realistic exit timelines and penalties.

The data comes from each platform's official website and public documents, with a visible verification date (latest: 7 June 2026). The full scoring system, including the scale and the reasons a platform gets penalised, is set out in our scoring methodology.

Which platform to choose for your profile

The right question is not «which platform is best» but «which one fits my risk tolerance and my capital». Four common starting points:

• Conservative profile: put licensing and supervision ahead of returns. Mintos (MiFID II, operating since 2015) and InRento (ECSP licence from the Bank of Lithuania, rental real estate loans) are the options with the strongest regulatory framework in our top picks.
• Chasing yield: Maclear (14.5–14.9%) and Indemo (15.1% on mortgage-backed portfolios of defaulted loans) offer the highest rates in the table, in exchange for more risk and, in Maclear's case, no buyback guarantee.
• Beginner with little capital: PeerBerry and Nectaro let you start from €10 per loan, with a buyback guarantee and auto-invest, making it easy to diversify without committing serious money while you learn.
• You prefer bricks and mortar: InRento (rental property, from €500) and Crowdpear (real estate projects from €100, ECSP licence; we compare them head to head) invest in specific properties backed by real collateral — something more tangible than a consumer loan originator's buyback promise.

Crowdlending in Spain in 2026: the context

Since November 2021, crowdlending in the European Union has been governed by the ECSP Regulation (EU 2020/1503), which created a single licence for crowdfunding service providers. The practical consequence for you as an investor is the European passport: a platform authorised by the Bank of Lithuania or by the Latvian supervisor can legally offer its services in Spain without asking the CNMV for additional permission — the CNMV acts as Spain's competent authority and keeps the register of authorised entities.

That is why most of the platforms in our ranking are not Spanish but Baltic: Latvia and Lithuania were early movers in regulating the sector, and their supervisors have a decade of hands-on experience with this business model, which drew in the operators. It is neither an anomaly nor a warning sign; it is simply where the industry concentrated. What matters is not the country on the letterhead but the type of licence: a supervised MiFID II or ECSP entity is not the same as a platform with no European licence at all, and our scoring reflects that with its heaviest-weighted criterion.

Then comes the less glamorous part: taxes. For Spanish residents, crowdlending interest is taxed under personal income tax (IRPF) as investment income, at the savings-band rates of 19–28%, and some platforms apply withholding at source that is worth understanding before you invest. We walk through it step by step in the guide to crowdlending taxation under IRPF.

Project tools

Beyond reviews and the ranking, we maintain several living tools for following the sector with data rather than headlines:

• Returns calculator — simulates compound interest, recurring contributions and the impact of income tax.
• Model portfolio — a real public portfolio with documented positions and movements.
• Defaults barometer — tracking of payment delays and incidents by platform.
• Live returns — a comparative rate table updated with every review.
• Sector news — licences, incidents and meaningful changes, without the noise.

Bottom line

Crowdlending in 2026 is a more mature sector than it was five years ago: there are European licences, active supervisors and enough of a track record to separate serious platforms from experiments. Our top 3 — Maclear, Mintos and PeerBerry — score between 8.6 and 9.2, but the right choice depends on your profile: browse the full ranking to compare all 19 platforms, first understand the risks of crowdlending and, if you are starting from zero, follow the guide on how to start investing in crowdlending before you move a single euro. Past performance guarantees nothing, and invested capital is always at risk: diversify and never invest money you might need.