https://mejores-plataformas-crowdlending-espana.pages.dev/en/news/Short dated notes on European crowdlending platforms: product updates, red flags and market moves.enhttps://mejores-plataformas-crowdlending-espana.pages.dev/en/news/#barometro-q3-disponiblebarometro-q3-disponible-enThu, 16 Jul 2026 09:00:00 GMTThe first edition of our quarterly barometer of defaults and payment delays is out. In this opening quarter we recorded no independently verified payment incidents, so the barometer starts by documenting structural risk signals: licences, transparency of figures and low scores. Next edition: October 2026. Read it now in the Q3 barometer .https://mejores-plataformas-crowdlending-espana.pages.dev/en/news/#cartera-modelo-baselinecartera-modelo-baseline-enFri, 10 Jul 2026 09:00:00 GMTWe are launching the model portfolio: a simulated €5,000 spread across six platforms, with a weighted target return of around 11.7% (estimated on the midpoints of the declared ranges). It is a simulated portfolio, with no real money, built to illustrate our methodology month by month. Composition and rules in the model portfolio .https://mejores-plataformas-crowdlending-espana.pages.dev/en/news/#tabla-rendimientos-juliotabla-rendimientos-julio-enWed, 08 Jul 2026 09:00:00 GMTWe have published the July edition of the returns table: the target returns declared by the 19 platforms in the catalogue, sorted and set in the context of their licences and buyback guarantees. Remember these are declared targets, not guaranteed results. The next edition arrives in August 2026. The table lives at returns .https://mejores-plataformas-crowdlending-espana.pages.dev/en/news/#ranking-q3-2026ranking-q3-2026-enWed, 01 Jul 2026 09:00:00 GMTThe third-quarter edition of our ranking is out: 19 platforms scored with the same methodology, led by Maclear (9.2), Mintos (8.7) and PeerBerry (8.6). The figures in each row come from the review of 7 June 2026. See the full table in the 2026 ranking .https://mejores-plataformas-crowdlending-espana.pages.dev/en/news/#ecsp-normas-marketingecsp-normas-marketing-enFri, 19 Jun 2026 09:00:00 GMTThe ECSP regulation requires platforms' marketing communications to be fair, clear and not misleading, consistent with the information in the project sheet and accompanied by risk warnings. In Spain the competent authority is the CNMV. If you see advertising promising a «guaranteed» return with no caveats, be suspicious: capital in crowdlending is always at risk.https://mejores-plataformas-crowdlending-espana.pages.dev/en/news/#reinvest24-sin-rentabilidad-objetivoreinvest24-sin-rentabilidad-objetivo-enFri, 12 Jun 2026 09:00:00 GMTIn the June review, Reinvest24 still publishes no verifiable target return, operates without an EU licence and scores 3.5 in our ranking, among the lowest in the catalogue. Opacity around the numbers proves nothing on its own, but it is a structural signal we penalise. We explain why in the red flags guide .https://mejores-plataformas-crowdlending-espana.pages.dev/en/news/#actualizacion-datos-junioactualizacion-datos-junio-enSun, 07 Jun 2026 09:00:00 GMTWe have synchronised the profiles of all 19 platforms with their official websites: target returns, investment minimums, licences and secondary markets now carry a review date of 7 June 2026. Every figure you see in the ranking, the reviews and the site's tables comes from this review. The complete catalogue is at platforms .https://mejores-plataformas-crowdlending-espana.pages.dev/en/news/#ficha-verificada-inrentoficha-verificada-inrento-enFri, 29 May 2026 09:00:00 GMTInRento holds an ECSP licence from the Bank of Lithuania and specialises in rental real estate: a target return of 9.25–11.5%, a €500 minimum, a secondary market available and no buyback guarantee. It is the highest-scoring real estate platform in our catalogue (8.5). More detail in the InRento review .https://mejores-plataformas-crowdlending-espana.pages.dev/en/news/#scramble-rentabilidad-fuera-mercadoscramble-rentabilidad-fuera-mercado-enFri, 22 May 2026 09:00:00 GMTScramble publishes a return range of 12.4–25%, well above the 9–15% typical of our catalogue. An off-market number is not a gift: it is the measure of the risk you are taking on. The platform also operates without an EU licence and without a buyback guarantee, and it scores 5.0 in our ranking. We track signals like this in the barometer .https://mejores-plataformas-crowdlending-espana.pages.dev/en/news/#ficha-verificada-indemoficha-verificada-indemo-enFri, 15 May 2026 09:00:00 GMTIndemo advertises a 15.1% target, the highest in our top 10, with a €10 minimum and no buyback guarantee. It invests in portfolios of defaulted loans (NPLs) and mortgage loans, and has operated under MiFID II, supervised by Latvijas Banka, since 2022. Full analysis in the Indemo review .https://mejores-plataformas-crowdlending-espana.pages.dev/en/news/#ecsp-test-convenienciaecsp-test-conveniencia-enFri, 08 May 2026 09:00:00 GMTBefore letting you invest, a platform with an ECSP licence must put non-sophisticated investors through an appropriateness test: questions about experience, objectives and financial situation, plus a simulation of the ability to bear losses, calculated as 10% of net worth. If a platform asks you nothing at all, that already tells you something about its regulatory framework.https://mejores-plataformas-crowdlending-espana.pages.dev/en/news/#sin-licencia-ue-catalogosin-licencia-ue-catalogo-enFri, 24 Apr 2026 09:00:00 GMTRobocash, Hive5, Scramble, Reinvest24 and Loanch are listed in our catalogue with no European licence; PeerBerry is recorded with an ECSP licence pending in Lithuania. Operating without a licence does not imply fraud, but it removes the layer of supervision and the transparency obligations of the European regulation. We flag it platform by platform in the full ranking .https://mejores-plataformas-crowdlending-espana.pages.dev/en/news/#ficha-verificada-mintosficha-verificada-mintos-enFri, 17 Apr 2026 09:00:00 GMTWe have checked the Mintos profile against its official website: a target return of 9–11%, a €50 minimum investment, partial buyback protection and an active secondary market. It operates under MiFID II, supervised by Latvijas Banka, and has been running since 2015. Full details in the complete Mintos review .https://mejores-plataformas-crowdlending-espana.pages.dev/en/news/#ecsp-pasaporte-europeoecsp-pasaporte-europeo-enFri, 10 Apr 2026 09:00:00 GMTRegulation (EU) 2020/1503, in force since November 2021, lets a crowdfunding platform authorised in one member state offer its services across the EU with a single licence: the so-called European passport. For an investor in Spain, it means a Lithuanian or Latvian platform holding an ECSP licence operates under a common framework of transparency and supervision. We go through what to check in our guide to red flags .