{"id":38641,"date":"2026-04-23T08:48:29","date_gmt":"2026-04-23T05:48:29","guid":{"rendered":"https:\/\/www.maxcorp.eu\/eng\/?page_id=38641"},"modified":"2026-04-24T19:10:22","modified_gmt":"2026-04-24T16:10:22","slug":"crowdfunding-license","status":"publish","type":"page","link":"https:\/\/www.maxcorp.eu\/eng\/fintech-licensing\/crowdfunding-license\/","title":{"rendered":"Crowdfunding License in Europe"},"content":{"rendered":"<p>[vc_section css=&#8221;.vc_custom_1741599550976{padding-top: 0px !important;}&#8221;][vc_row rt_row_background_width=&#8221;fullwidth&#8221; rt_row_content_width=&#8221;default&#8221; rt_row_style=&#8221;default-style&#8221; rt_row_height=&#8221;&#8221; rt_column_gaps=&#8221;&#8221; rt_row_shadows=&#8221;&#8221; rt_row_paddings=&#8221;false&#8221; rt_row_borders=&#8221;&#8221; rt_bg_effect=&#8221;classic&#8221; rt_transparent_bg=&#8221;false&#8221; rt_bg_image_repeat=&#8221;repeat&#8221; rt_bg_size=&#8221;cover&#8221; rt_bg_position=&#8221;right top&#8221; rt_bg_attachment=&#8221;scroll&#8221; rt_bg_layer=&#8221;&#8221; rt_bg_video_format=&#8221;self-hosted&#8221;][vc_column id=&#8221;ab_hero&#8221; rt_col_paddings=&#8221;true&#8221; rt_wrp_col_paddings=&#8221;false&#8221; rt_column_shadow=&#8221;&#8221; rt_border_top=&#8221;&#8221; rt_border_bottom=&#8221;&#8221; rt_border_left=&#8221;&#8221; rt_border_right=&#8221;&#8221; rt_border_top_mobile=&#8221;&#8221; rt_border_bottom_mobile=&#8221;&#8221; rt_border_left_mobile=&#8221;&#8221; rt_border_right_mobile=&#8221;&#8221; rt_bg_image_repeat=&#8221;repeat&#8221; rt_bg_size=&#8221;auto auto&#8221; rt_bg_position=&#8221;right top&#8221; rt_bg_attachment=&#8221;scroll&#8221; css=&#8221;.vc_custom_1757847518008{padding-top: 24px !important;padding-right: 30px !important;padding-bottom: 8px !important;padding-left: 30px !important;background-image: url(https:\/\/www.maxcorp.eu\/eng\/wp-content\/uploads\/2024\/12\/bgbtc2.jpg?id=36244) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;border-radius: 10px !important;}&#8221; rt_bg_color=&#8221;&#8221; rt_bg_overlay_color=&#8221;rgba(255,255,255,0.55)&#8221;][vc_column_text css=&#8221;.vc_custom_1766829745988{margin-bottom: 10px !important;}&#8221;]<\/p>\n<div style=\"color:#444444;font-size:32px;font-weight:700;line-height:1.2;margin-bottom:8px;\">\n<h1 style=\"font-size:inherit;font-weight:inherit;line-height:inherit;color:inherit;margin:0;\">EU Crowdfunding Licence: Get Authorized Across the EU<\/h1>\n<\/div>\n<p style=\"color:#333;font-size:17px;font-weight:400;margin-bottom:10px;\">An ECSPR crowdfunding licence lets your platform raise capital for businesses via loan-based or equity-based crowdfunding, with a single EU authorisation passporting across all 27 EU member states from Lithuania, Latvia or Estonia.<\/p>\n<div style=\"margin-top:16px;display:flex;flex-wrap:wrap;gap:8px;\">\n<span style=\"background:rgba(255,255,255,0.9);color:#333;border-radius:20px;padding:5px 14px;font-size:13px;font-weight:500;\">&#10003; In-house legal teams<\/span><br \/>\n<span style=\"background:rgba(255,255,255,0.9);color:#333;border-radius:20px;padding:5px 14px;font-size:13px;font-weight:500;\">&#10003; AML &amp; ongoing compliance solutions<\/span><br \/>\n<span style=\"background:rgba(255,255,255,0.9);color:#333;border-radius:20px;padding:5px 14px;font-size:13px;font-weight:500;\">&#10003; Trusted EU fintech licensing partner since 1998<\/span>\n<\/div>\n<p>[\/vc_column_text][vc_row_inner rt_row_style=&#8221;global-style&#8221; rt_column_gaps=&#8221;&#8221; rt_row_paddings=&#8221;true&#8221; rt_bg_effect=&#8221;classic&#8221; rt_transparent_bg=&#8221;false&#8221; rt_bg_image_repeat=&#8221;repeat&#8221; rt_bg_size=&#8221;cover&#8221; rt_bg_position=&#8221;right top&#8221; rt_bg_attachment=&#8221;scroll&#8221; rt_bg_layer=&#8221;&#8221; rt_padding_top=&#8221;8&#8243; rt_padding_bottom=&#8221;0&#8243;][vc_column_inner width=&#8221;5\/6&#8243; rt_col_paddings=&#8221;false&#8221; rt_wrp_col_paddings=&#8221;false&#8221; rt_column_shadow=&#8221;&#8221; rt_border_top=&#8221;&#8221; rt_border_bottom=&#8221;&#8221; rt_border_left=&#8221;&#8221; rt_border_right=&#8221;&#8221; rt_border_top_mobile=&#8221;&#8221; rt_border_bottom_mobile=&#8221;&#8221; rt_border_left_mobile=&#8221;&#8221; rt_border_right_mobile=&#8221;&#8221; rt_bg_image_repeat=&#8221;repeat&#8221; rt_bg_size=&#8221;auto auto&#8221; rt_bg_position=&#8221;right top&#8221; rt_bg_attachment=&#8221;scroll&#8221; rt_bg_color=&#8221;&#8221; rt_bg_overlay_color=&#8221;&#8221;][vc_btn title=&#8221;Packages &amp; Pricing &raquo;&#8221; style=&#8221;custom&#8221; custom_background=&#8221;#d0252d&#8221; custom_text=&#8221;#ffffff&#8221; i_icon_fontawesome=&#8221;fas fa-layer-group&#8221; add_icon=&#8221;true&#8221; link=&#8221;url:%23packages&#8221; css=&#8221;.vc_custom_1757853971104{padding-right: 10px !important;padding-left: 0px !important;}&#8221;][vc_btn title=&#8221;Get Your Free Project Assessment &raquo;&#8221; style=&#8221;outline-custom&#8221; outline_custom_color=&#8221;#d0252d&#8221; outline_custom_hover_background=&#8221;#d0252d&#8221; outline_custom_hover_text=&#8221;#ffffff&#8221; i_icon_fontawesome=&#8221;far fa-handshake&#8221; add_icon=&#8221;true&#8221; link=&#8221;url:%23contact&#8221; css=&#8221;.vc_custom_1766900001001{border-width: 2px !important;}&#8221;][\/vc_column_inner][\/vc_row_inner][vc_column_text]<\/p>\n<div style=\"display:flex;flex-wrap:wrap;gap:0;border-top:1px solid #cccccc;text-align:center;\">\n<div style=\"flex:1;min-width:110px;padding:14px 8px 12px;border-right:1px solid #cccccc;\">\n<div style=\"font-size:26px;font-weight:700;color:#d0252d;line-height:1;\">27 EU<\/div>\n<div style=\"font-size:12px;color:#222;margin-top:2px;\">Passporting countries<\/div>\n<\/div>\n<div style=\"flex:1;min-width:110px;padding:14px 8px 12px;border-right:1px solid #cccccc;\">\n<div style=\"font-size:26px;font-weight:700;color:#d0252d;line-height:1;\">From 6 months<\/div>\n<div style=\"font-size:12px;color:#222;margin-top:2px;\">Application to authorisation<\/div>\n<\/div>\n<div style=\"flex:1;min-width:110px;padding:14px 8px 12px;border-right:1px solid #cccccc;\">\n<div style=\"font-size:26px;font-weight:700;color:#d0252d;line-height:1;\">&euro;25,000<\/div>\n<div style=\"font-size:12px;color:#222;margin-top:2px;\">Minimum own funds<\/div>\n<\/div>\n<div style=\"flex:1;min-width:110px;padding:14px 8px 12px;border-right:1px solid #cccccc;\">\n<div style=\"font-size:26px;font-weight:700;color:#d0252d;line-height:1;\">&euro;5M<\/div>\n<div style=\"font-size:12px;color:#222;margin-top:2px;\">Max offer per project\/year<\/div>\n<\/div>\n<div style=\"flex:1;min-width:110px;padding:14px 8px 12px;\">\n<div style=\"font-size:26px;font-weight:700;color:#d0252d;line-height:1;\">ECSPR<\/div>\n<div style=\"font-size:12px;color:#222;margin-top:2px;\">Regulation EU 2020\/1503<\/div>\n<\/div>\n<\/div>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][\/vc_section][vc_row rt_row_background_width=&#8221;fullwidth&#8221; rt_row_content_width=&#8221;default&#8221; rt_row_style=&#8221;default-style&#8221; rt_row_height=&#8221;&#8221; rt_column_gaps=&#8221;&#8221; rt_row_shadows=&#8221;&#8221; rt_row_paddings=&#8221;true&#8221; rt_row_borders=&#8221;bottom&#8221; rt_bg_effect=&#8221;classic&#8221; rt_transparent_bg=&#8221;false&#8221; rt_bg_image_repeat=&#8221;repeat&#8221; rt_bg_size=&#8221;cover&#8221; rt_bg_position=&#8221;right top&#8221; rt_bg_attachment=&#8221;scroll&#8221; rt_bg_layer=&#8221;&#8221; rt_bg_video_format=&#8221;self-hosted&#8221; rt_margin_top=&#8221;0&#8243; rt_padding_top=&#8221;25&#8243; rt_margin_bottom=&#8221;0&#8243;][vc_column width=&#8221;3\/4&#8243; rt_col_paddings=&#8221;true&#8221; rt_wrp_col_paddings=&#8221;false&#8221; rt_column_shadow=&#8221;&#8221; rt_border_top=&#8221;&#8221; rt_border_bottom=&#8221;&#8221; rt_border_left=&#8221;&#8221; rt_border_right=&#8221;&#8221; rt_border_top_mobile=&#8221;&#8221; rt_border_bottom_mobile=&#8221;&#8221; rt_border_left_mobile=&#8221;&#8221; rt_border_right_mobile=&#8221;&#8221; rt_bg_image_repeat=&#8221;repeat&#8221; rt_bg_size=&#8221;auto auto&#8221; rt_bg_position=&#8221;right top&#8221; rt_bg_attachment=&#8221;scroll&#8221; rt_margin_top=&#8221;0&#8243; rt_padding_top=&#8221;0&#8243; rt_bg_color=&#8221;&#8221; rt_bg_overlay_color=&#8221;&#8221;]<div class=\"rt_heading_wrapper style-1\">\n\t\t\t\t\t\t<h2 class=\"rt_heading style-1\"  style=\"margin-top:0px;\">What is an EU Crowdfunding Licence?<\/h2>\n\t\t\t\t\t<\/div>[vc_column_text]<\/p>\n<p style=\"text-align:justify;margin-bottom:14px;\"><img decoding=\"async\" class=\"alignright wp-image-2742 size-thumbnail\" src=\"https:\/\/www.maxcorp.eu\/eng\/wp-content\/uploads\/2018\/07\/crypto-exchange-wallet-license-150x150.png\" alt=\"EU crowdfunding licence registration service - MAXCORP\" width=\"110\" height=\"110\" style=\"margin-left:16px;margin-bottom:8px;\" srcset=\"https:\/\/www.maxcorp.eu\/eng\/wp-content\/uploads\/2018\/07\/crypto-exchange-wallet-license-150x150.png 150w, https:\/\/www.maxcorp.eu\/eng\/wp-content\/uploads\/2018\/07\/crypto-exchange-wallet-license.png 200w\" sizes=\"(max-width: 110px) 100vw, 110px\" \/><strong>An EU crowdfunding service provider (CSP) licence under Regulation 2020\/1503 (ECSPR) authorizes your platform to facilitate loan-based and equity-based crowdfunding for business projects, with a single authorisation passporting across all 27 EU member states.<\/strong> The ECSPR licence replaced all prior national crowdfunding regimes and created a unified EU-wide framework supervised by ESMA, covering platforms incorporated in any EU member state. Once authorised, your platform can onboard investors and project owners from any EU member state without obtaining separate national licences.<\/p>\n<div class=\"cf-intro-grid\" style=\"clear:both;display:grid;grid-template-columns:1fr 1fr;gap:0 24px;margin:24px 0 22px;\">\n<div style=\"display:flex;align-items:flex-start;gap:10px;padding:10px 0;border-bottom:1px solid #f0f0f0;\"><i class=\"fas fa-globe\" style=\"color:#d0252d;font-size:13px;margin-top:3px;flex-shrink:0;\"><\/i><span style=\"font-size:13px;color:#333;line-height:1.5;\">One authorization, 27 markets: serve clients across the entire EU from a single licensing jurisdiction of your choice<\/span><\/div>\n<div style=\"display:flex;align-items:flex-start;gap:10px;padding:10px 0;border-bottom:1px solid #f0f0f0;\"><i class=\"fas fa-layer-group\" style=\"color:#d0252d;font-size:13px;margin-top:3px;flex-shrink:0;\"><\/i><span style=\"font-size:13px;color:#333;line-height:1.5;\">10 regulated service categories covering exchange, custody, trading platforms, advisory, portfolio management and transfers<\/span><\/div>\n<div style=\"display:flex;align-items:flex-start;gap:10px;padding:10px 0;border-bottom:1px solid #f0f0f0;\"><i class=\"fas fa-shield-alt\" style=\"color:#d0252d;font-size:13px;margin-top:3px;flex-shrink:0;\"><\/i><span style=\"font-size:13px;color:#333;line-height:1.5;\">DORA-aligned ICT security and operational resilience framework built into the licensing requirements from day one<\/span><\/div>\n<div style=\"display:flex;align-items:flex-start;gap:10px;padding:10px 0;border-bottom:1px solid #f0f0f0;\"><i class=\"fas fa-coins\" style=\"color:#d0252d;font-size:13px;margin-top:3px;flex-shrink:0;\"><\/i><span style=\"font-size:13px;color:#333;line-height:1.5;\">Clear capital thresholds from EUR 50,000 to EUR 150,000 based on your CSP class, providing regulatory certainty upfront<\/span><\/div>\n<div style=\"display:flex;align-items:flex-start;gap:10px;padding:10px 0;border-bottom:1px solid #f0f0f0;\"><i class=\"fas fa-user-tie\" style=\"color:#d0252d;font-size:13px;margin-top:3px;flex-shrink:0;\"><\/i><span style=\"font-size:13px;color:#333;line-height:1.5;\">Regulatory credibility that unlocks EU banking access, institutional partnerships and long-term investor confidence<\/span><\/div>\n<div style=\"display:flex;align-items:flex-start;gap:10px;padding:10px 0;border-bottom:1px solid #f0f0f0;\"><i class=\"fas fa-clock\" style=\"color:#d0252d;font-size:13px;margin-top:3px;flex-shrink:0;\"><\/i><span style=\"font-size:13px;color:#333;line-height:1.5;\">Competitive authorization timelines from 6 months with full project management and NCA liaison<\/span><\/div>\n<\/div>\n<p style=\"text-align:justify;line-height:1.7;\"><strong>Choosing the right EU jurisdiction for your Crowdfunding Licence involves several factors beyond the regulation itself: corporate tax rates, employment costs, NCA processing times, supervisory fees and substance expectations.<\/strong> We cover all three jurisdictions through local legal teams and regulatory partners, and we recommend the best-fit country based on your service scope and tax position rather than defaulting to a single market.<\/p>\n<p>[\/vc_column_text][\/vc_column][vc_column width=&#8221;1\/4&#8243; rt_col_paddings=&#8221;true&#8221; rt_wrp_col_paddings=&#8221;false&#8221; rt_column_shadow=&#8221;&#8221; rt_border_top=&#8221;&#8221; rt_border_bottom=&#8221;&#8221; rt_border_left=&#8221;&#8221; rt_border_right=&#8221;&#8221; rt_border_top_mobile=&#8221;&#8221; rt_border_bottom_mobile=&#8221;&#8221; rt_border_left_mobile=&#8221;&#8221; rt_border_right_mobile=&#8221;&#8221; rt_bg_image_repeat=&#8221;repeat&#8221; rt_bg_size=&#8221;auto auto&#8221; rt_bg_position=&#8221;right top&#8221; rt_bg_attachment=&#8221;scroll&#8221; rt_bg_color=&#8221;&#8221; rt_bg_overlay_color=&#8221;&#8221;][vc_column_text]<\/p>\n<div style=\"margin-top:20px;border-radius:8px;overflow:hidden;box-shadow:0 2px 16px rgba(0,0,0,0.10);\">\n<div style=\"background:#eeeeee;padding:11px 18px 10px;display:flex;align-items:center;gap:12px;border-bottom:3px solid #d0252d;\"><i class=\"fas fa-info-circle\" style=\"color:#d0252d;font-size:26px;flex-shrink:0;\"><\/i><\/p>\n<div>\n<div style=\"font-size:10px;font-weight:700;color:#d0252d;letter-spacing:0.12em;text-transform:uppercase;margin-bottom:3px;\">At a glance<\/div>\n<div style=\"font-size:15px;font-weight:700;color:#222;line-height:1.3;\">EU EU Crowdfunding Licence<\/div>\n<\/div>\n<\/div>\n<div style=\"background:#fafafa;\">\n<div style=\"padding:9px 18px;border-bottom:1px solid #eeeeee;display:flex;align-items:flex-start;gap:12px;\"><i class=\"fas fa-coins\" style=\"color:#d0252d;font-size:13px;margin-top:3px;flex-shrink:0;\"><\/i><\/p>\n<div>\n<div style=\"font-size:10px;color:#666;text-transform:uppercase;letter-spacing:0.08em;margin-bottom:2px;\">Services covered<\/div>\n<div style=\"font-size:13px;color:#222;font-weight:600;line-height:1.4;\">Loan-based \/ Equity-based<\/div>\n<\/div>\n<\/div>\n<div style=\"padding:9px 18px;border-bottom:1px solid #eeeeee;display:flex;align-items:flex-start;gap:12px;\"><i class=\"fas fa-globe\" style=\"color:#d0252d;font-size:13px;margin-top:3px;flex-shrink:0;\"><\/i><\/p>\n<div>\n<div style=\"font-size:10px;color:#666;text-transform:uppercase;letter-spacing:0.08em;margin-bottom:4px;\">Our jurisdictions<\/div>\n<div style=\"display:grid;grid-template-columns:1fr auto 1fr auto 1fr;align-items:start;font-size:10px;color:#333;line-height:1.2;row-gap:5px;\"><span style=\"text-align:center;\"><span style=\"font-size:18px;\">&#127473;&#127481;<\/span><br \/>Lithuania<\/span><span style=\"color:#ddd;padding:0 2px;align-self:end;\">|<\/span><span style=\"text-align:center;\"><span style=\"font-size:18px;\">&#127473;&#127483;<\/span><br \/>Latvia<\/span><span style=\"color:#ddd;padding:0 2px;align-self:end;\">|<\/span><span style=\"text-align:center;\"><span style=\"font-size:18px;\">&#127466;&#127466;<\/span><br \/>Estonia<\/span><\/div>\n<\/div>\n<\/div>\n<div style=\"padding:9px 18px;border-bottom:1px solid #eeeeee;display:flex;align-items:flex-start;gap:12px;\"><i class=\"fas fa-clock\" style=\"color:#d0252d;font-size:13px;margin-top:3px;flex-shrink:0;\"><\/i><\/p>\n<div>\n<div style=\"font-size:10px;color:#666;text-transform:uppercase;letter-spacing:0.08em;margin-bottom:2px;\">Timeline<\/div>\n<div style=\"font-size:13px;color:#222;font-weight:600;\">From 6 months<\/div>\n<\/div>\n<\/div>\n<div style=\"padding:9px 18px;border-bottom:1px solid #eeeeee;display:flex;align-items:flex-start;gap:12px;\"><i class=\"fas fa-tag\" style=\"color:#d0252d;font-size:13px;margin-top:3px;flex-shrink:0;\"><\/i><\/p>\n<div>\n<div style=\"font-size:10px;color:#666;text-transform:uppercase;letter-spacing:0.08em;margin-bottom:2px;\">Pricing<\/div>\n<div style=\"font-size:13px;color:#222;font-weight:600;\">From &euro;10,000<\/div>\n<\/div>\n<\/div>\n<div style=\"padding:9px 18px;border-bottom:1px solid #eeeeee;display:flex;align-items:flex-start;gap:12px;\"><i class=\"fas fa-user-tie\" style=\"color:#d0252d;font-size:13px;margin-top:3px;flex-shrink:0;\"><\/i><\/p>\n<div>\n<div style=\"font-size:10px;color:#666;text-transform:uppercase;letter-spacing:0.08em;margin-bottom:2px;\">Requirement<\/div>\n<div style=\"font-size:13px;color:#222;font-weight:600;\">Local substance required<\/div>\n<\/div>\n<\/div>\n<style>.sro-btn-pkg{flex:1;background:#d0252d;color:#ffffff!important;text-align:center;padding:10px 6px;border-radius:4px;font-size:12px;font-weight:700;text-decoration:none;display:flex;align-items:center;justify-content:center;gap:5px;letter-spacing:0.02em;transition:background 0.2s;}.sro-btn-pkg:hover{background:#a81e24!important;color:#ffffff!important;}.sro-btn-contact{flex:1;background:#ffffff;color:#d0252d!important;text-align:center;padding:10px 6px;border-radius:4px;font-size:12px;font-weight:700;text-decoration:none;display:flex;align-items:center;justify-content:center;gap:5px;border:1.5px solid #d0252d;letter-spacing:0.02em;transition:background 0.2s,color 0.2s;}.sro-btn-contact:hover{background:#d0252d!important;color:#ffffff!important;}\n.faq-compact .vc_toggle{margin-bottom:6px!important;}<\/style>\n<div style=\"padding:14px 18px;background:#f4f4f4;display:flex;gap:8px;\"><a href=\"#packages\" class=\"sro-btn-pkg\"><i class=\"fas fa-layer-group\" style=\"font-size:11px;\"><\/i> Packages &raquo;<\/a><a href=\"#contact\" class=\"sro-btn-contact\"><i class=\"far fa-envelope\" style=\"font-size:11px;\"><\/i> Contact &raquo;<\/a><\/div>\n<\/div>\n<\/div>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row rt_row_background_width=&#8221;fullwidth&#8221; rt_row_content_width=&#8221;default&#8221; rt_row_style=&#8221;default-style&#8221; rt_row_height=&#8221;&#8221; rt_column_gaps=&#8221;&#8221; rt_row_shadows=&#8221;&#8221; rt_row_paddings=&#8221;true&#8221; rt_row_borders=&#8221;bottom&#8221; rt_bg_effect=&#8221;classic&#8221; rt_transparent_bg=&#8221;false&#8221; rt_bg_image_repeat=&#8221;repeat&#8221; rt_bg_size=&#8221;cover&#8221; rt_bg_position=&#8221;right top&#8221; rt_bg_attachment=&#8221;scroll&#8221; rt_bg_layer=&#8221;&#8221; rt_bg_video_format=&#8221;self-hosted&#8221; rt_padding_top=&#8221;25&#8243; rt_padding_bottom=&#8221;25&#8243;][vc_column rt_col_paddings=&#8221;true&#8221; rt_wrp_col_paddings=&#8221;false&#8221; rt_column_shadow=&#8221;&#8221; rt_border_top=&#8221;&#8221; rt_border_bottom=&#8221;&#8221; rt_border_left=&#8221;&#8221; rt_border_right=&#8221;&#8221; rt_border_top_mobile=&#8221;&#8221; rt_border_bottom_mobile=&#8221;&#8221; rt_border_left_mobile=&#8221;&#8221; rt_border_right_mobile=&#8221;&#8221; rt_bg_image_repeat=&#8221;repeat&#8221; rt_bg_size=&#8221;auto auto&#8221; rt_bg_position=&#8221;right top&#8221; rt_bg_attachment=&#8221;scroll&#8221; rt_bg_color=&#8221;&#8221; rt_bg_overlay_color=&#8221;&#8221;]<div class=\"rt_heading_wrapper style-1\">\n\t\t\t\t\t\t<h2 class=\"rt_heading style-1\"  style=\"margin-top:0px;\">Is an EU Crowdfunding Licence Right for Your Business?<\/h2>\n\t\t\t\t\t<\/div>[vc_column_text]<\/p>\n<p style=\"text-align:justify;margin-bottom:12px;\"><strong>The ECSPR crowdfunding licence is designed for platforms that connect investors or lenders with businesses seeking capital, not for consumer lending or fundraising for personal projects.<\/strong> Below are the four business types most commonly served by an ECSPR licence. If your model also requires payment account management or e-money issuance, a PI or EMI licence may be needed alongside or instead.<\/p>\n<div style=\"display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:14px;\">\n<div style=\"background:#f9f9f9;border:1px solid #e0e0e0;border-radius:8px;padding:20px 18px;\">\n<div style=\"display:flex;align-items:center;gap:8px;margin-bottom:10px;\"><i class=\"fas fa-hand-holding-usd\" style=\"color:#d0252d;font-size:18px;\"><\/i><span style=\"font-size:14px;font-weight:700;color:#222;\">SME Lending Platform<\/span><span style=\"margin-left:auto;background:#fff3f3;color:#c0392b;border:1px solid #f5c0c0;border-radius:12px;font-size:10px;font-weight:700;padding:2px 8px;white-space:nowrap;\">ECSPR required<\/span><\/div>\n<div style=\"font-size:13px;color:#222;line-height:1.7;\"><strong>You need:<\/strong> Authorization to match investors with SMEs seeking loan financing, with interest payments and structured repayment schedules.<br \/><strong>Licence gives you:<\/strong> ECSPR loan facilitation rights, full EU passporting, access to 27 markets and the regulatory status required by banking and payment partners.<\/div>\n<\/div>\n<div style=\"background:#f9f9f9;border:1px solid #e0e0e0;border-radius:8px;padding:20px 18px;\">\n<div style=\"display:flex;align-items:center;gap:8px;margin-bottom:10px;\"><i class=\"fas fa-building\" style=\"color:#d0252d;font-size:18px;\"><\/i><span style=\"font-size:14px;font-weight:700;color:#222;\">Real Estate Crowdfunding<\/span><span style=\"margin-left:auto;background:#fff3f3;color:#c0392b;border:1px solid #f5c0c0;border-radius:12px;font-size:10px;font-weight:700;padding:2px 8px;white-space:nowrap;\">ECSPR required<\/span><\/div>\n<div style=\"font-size:13px;color:#222;line-height:1.7;\"><strong>You need:<\/strong> A regulated platform to offer property-backed loan or equity deals to retail and institutional investors across Europe under one licence.<br \/><strong>Licence gives you:<\/strong> Authority to publish KIIS-compliant project offers, onboard EU\/EEA investors and passport your real estate deals across 27 countries.<\/div>\n<\/div>\n<div style=\"background:#f9f9f9;border:1px solid #e0e0e0;border-radius:8px;padding:20px 18px;\">\n<div style=\"display:flex;align-items:center;gap:8px;margin-bottom:10px;\"><i class=\"fas fa-chart-line\" style=\"color:#d0252d;font-size:18px;\"><\/i><span style=\"font-size:14px;font-weight:700;color:#222;\">Equity Investment Platform<\/span><span style=\"margin-left:auto;background:#fff3f3;color:#c0392b;border:1px solid #f5c0c0;border-radius:12px;font-size:10px;font-weight:700;padding:2px 8px;white-space:nowrap;\">ECSPR required<\/span><\/div>\n<div style=\"font-size:13px;color:#222;line-height:1.7;\"><strong>You need:<\/strong> Authorization to facilitate equity or securities offerings by SMEs and growth companies to investors, with up to \u20ac5 million per issuer per year.<br \/><strong>Licence gives you:<\/strong> ECSPR investment-based crowdfunding rights, KIIS publication framework, investor suitability testing and full 27-country EU passporting.<\/div>\n<\/div>\n<div style=\"background:#f9f9f9;border:1px solid #e0e0e0;border-radius:8px;padding:20px 18px;\">\n<div style=\"display:flex;align-items:center;gap:8px;margin-bottom:10px;\"><i class=\"fas fa-sitemap\" style=\"color:#d0252d;font-size:18px;\"><\/i><span style=\"font-size:14px;font-weight:700;color:#222;\">Hybrid Loan + Equity Portal<\/span><span style=\"margin-left:auto;background:#fff3f3;color:#c0392b;border:1px solid #f5c0c0;border-radius:12px;font-size:10px;font-weight:700;padding:2px 8px;white-space:nowrap;\">ECSPR required<\/span><\/div>\n<div style=\"font-size:13px;color:#222;line-height:1.7;\"><strong>You need:<\/strong> A single regulated entity offering both loan-based and equity-based project deals under one ECSPR authorisation to diversified investor pools.<br \/><strong>Licence gives you:<\/strong> Authority to run both crowdfunding service types on one platform, with a single NCA relationship and unified EU passporting across all member states.<\/div>\n<\/div>\n<\/div>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row rt_row_background_width=&#8221;fullwidth&#8221; rt_row_content_width=&#8221;default&#8221; rt_row_style=&#8221;default-style&#8221; rt_row_height=&#8221;&#8221; rt_column_gaps=&#8221;&#8221; rt_row_shadows=&#8221;&#8221; rt_row_paddings=&#8221;true&#8221; rt_row_borders=&#8221;bottom&#8221; rt_bg_effect=&#8221;classic&#8221; rt_transparent_bg=&#8221;false&#8221; rt_bg_image_repeat=&#8221;repeat&#8221; rt_bg_size=&#8221;cover&#8221; rt_bg_position=&#8221;right top&#8221; rt_bg_attachment=&#8221;scroll&#8221; rt_bg_layer=&#8221;&#8221; rt_bg_video_format=&#8221;self-hosted&#8221; rt_padding_top=&#8221;25&#8243; rt_padding_bottom=&#8221;25&#8243;][vc_column rt_col_paddings=&#8221;true&#8221; rt_wrp_col_paddings=&#8221;false&#8221; rt_column_shadow=&#8221;&#8221; rt_border_top=&#8221;&#8221; rt_border_bottom=&#8221;&#8221; rt_border_left=&#8221;&#8221; rt_border_right=&#8221;&#8221; rt_border_top_mobile=&#8221;&#8221; rt_border_bottom_mobile=&#8221;&#8221; rt_border_left_mobile=&#8221;&#8221; rt_border_right_mobile=&#8221;&#8221; rt_bg_image_repeat=&#8221;repeat&#8221; rt_bg_size=&#8221;auto auto&#8221; rt_bg_position=&#8221;right top&#8221; rt_bg_attachment=&#8221;scroll&#8221; rt_bg_color=&#8221;&#8221; rt_bg_overlay_color=&#8221;&#8221;]<div class=\"rt_heading_wrapper style-1\">\n\t\t\t\t\t\t<h2 class=\"rt_heading style-1\"  style=\"margin-top:0px;\">Why Choose Our Team for Your EU Crowdfunding Licence?<\/h2>\n\t\t\t\t\t<\/div>[vc_column_text]<\/p>\n<p style=\"text-align:justify;margin-bottom:12px;\"><strong>Most crowdfunding consultancies focus on one jurisdiction and one licence type: we cover Lithuania, Latvia and Estonia under a single engagement, with in-house legal expertise in ECSPR regulation across all three NCAs.<\/strong> This lets us recommend the optimal home state for your business model, tax position and timeline, and manage the full authorisation process without third-party handoffs.<\/p>\n<div style=\"display:grid;grid-template-columns:repeat(auto-fit,minmax(260px,1fr));gap:14px;margin-top:8px;\">\n<div style=\"background:#fff;border:1px solid #e0e0e0;border-top:3px solid #d0252d;border-radius:8px;padding:18px 16px;\">\n<div style=\"display:flex;align-items:center;gap:8px;margin-bottom:8px;\"><i class=\"fas fa-balance-scale\" style=\"color:#d0252d;font-size:18px;flex-shrink:0;\"><\/i><\/p>\n<h4 style=\"margin:0;font-size:14px;font-weight:700;color:#222;\">ECSPR-Specialist Legal Team<\/h4>\n<\/div>\n<p style=\"font-size:13px;color:#222;line-height:1.6;margin:0;\">Our lawyers handle ECSPR authorisations exclusively, with no generalist approach. We draft business plans, AML policies, KIIS frameworks and business continuity plans to NCA-ready standard.<\/p>\n<\/div>\n<div style=\"background:#fff;border:1px solid #e0e0e0;border-top:3px solid #d0252d;border-radius:8px;padding:18px 16px;\">\n<div style=\"display:flex;align-items:center;gap:8px;margin-bottom:8px;\"><i class=\"fas fa-globe\" style=\"color:#d0252d;font-size:18px;flex-shrink:0;\"><\/i><\/p>\n<h4 style=\"margin:0;font-size:14px;font-weight:700;color:#222;\">Three Jurisdictions, One Team<\/h4>\n<\/div>\n<p style=\"font-size:13px;color:#222;line-height:1.6;margin:0;\">Lithuania, Latvia and Estonia are all covered in-house. We compare NCA timelines, fees and practical requirements to recommend the fastest and most cost-effective route for your specific structure.<\/p>\n<\/div>\n<div style=\"background:#fff;border:1px solid #e0e0e0;border-top:3px solid #d0252d;border-radius:8px;padding:18px 16px;\">\n<div style=\"display:flex;align-items:center;gap:8px;margin-bottom:8px;\"><i class=\"fas fa-clipboard-check\" style=\"color:#d0252d;font-size:18px;flex-shrink:0;\"><\/i><\/p>\n<h4 style=\"margin:0;font-size:14px;font-weight:700;color:#222;\">Full Documentation Package<\/h4>\n<\/div>\n<p style=\"font-size:13px;color:#222;line-height:1.6;margin:0;\">We prepare all 20+ required documents including programme of operations, AML\/CFT policies, investor suitability framework, KIIS templates, IT security description and backup servicer arrangement.<\/p>\n<\/div>\n<div style=\"background:#fff;border:1px solid #e0e0e0;border-top:3px solid #d0252d;border-radius:8px;padding:18px 16px;\">\n<div style=\"display:flex;align-items:center;gap:8px;margin-bottom:8px;\"><i class=\"fas fa-shield-alt\" style=\"color:#d0252d;font-size:18px;flex-shrink:0;\"><\/i><\/p>\n<h4 style=\"margin:0;font-size:14px;font-weight:700;color:#222;\">Pre-Application NCA Meeting<\/h4>\n<\/div>\n<p style=\"font-size:13px;color:#222;line-height:1.6;margin:0;\">All three NCAs encourage pre-application consultation. We coordinate and prepare you for the pre-submission meeting, which materially reduces information queries during the formal review period.<\/p>\n<\/div>\n<\/div>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row rt_row_background_width=&#8221;fullwidth&#8221; rt_row_content_width=&#8221;default&#8221; rt_row_style=&#8221;default-style&#8221; rt_row_height=&#8221;&#8221; rt_column_gaps=&#8221;&#8221; rt_row_shadows=&#8221;&#8221; rt_row_paddings=&#8221;true&#8221; rt_row_borders=&#8221;bottom&#8221; rt_bg_effect=&#8221;classic&#8221; rt_transparent_bg=&#8221;false&#8221; rt_bg_image_repeat=&#8221;repeat&#8221; rt_bg_size=&#8221;cover&#8221; rt_bg_position=&#8221;right top&#8221; rt_bg_attachment=&#8221;scroll&#8221; rt_bg_layer=&#8221;&#8221; rt_bg_video_format=&#8221;self-hosted&#8221; rt_padding_top=&#8221;15&#8243; rt_padding_bottom=&#8221;0&#8243;][vc_column rt_col_paddings=&#8221;true&#8221; rt_wrp_col_paddings=&#8221;false&#8221; rt_column_shadow=&#8221;&#8221; rt_border_top=&#8221;&#8221; rt_border_bottom=&#8221;&#8221; rt_border_left=&#8221;&#8221; rt_border_right=&#8221;&#8221; rt_border_top_mobile=&#8221;&#8221; rt_border_bottom_mobile=&#8221;&#8221; rt_border_left_mobile=&#8221;&#8221; rt_border_right_mobile=&#8221;&#8221; rt_bg_image_repeat=&#8221;repeat&#8221; rt_bg_size=&#8221;auto auto&#8221; rt_bg_position=&#8221;right top&#8221; rt_bg_attachment=&#8221;scroll&#8221; rt_bg_color=&#8221;&#8221; rt_bg_overlay_color=&#8221;&#8221;]<div class=\"rt_heading_wrapper style-1\">\n\t\t\t\t\t\t<h2 class=\"rt_heading style-1\"  style=\"margin-top:0px;\">3 EU Jurisdictions for Crowdfunding Licence<\/h2>\n\t\t\t\t\t<\/div>\n[vc_column_text]<\/p>\n<p style=\"text-align:justify;margin-bottom:14px;\"><strong>The optimal jurisdiction for your ECSPR crowdfunding licence depends on your timeline, supervisory fee budget and business model complexity.<\/strong> All three offer full 27-country EU passporting under the same ECSPR framework. Lithuania combines the lowest state fee with the most active fintech ecosystem. Latvia has the fastest-growing CSP register with proactive NCA support. Estonia offers a digital-first regulator with strong credibility for tech-driven platforms.<\/p>\n<style>\n.cf-juris-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;margin-top:8px;}\n@media(max-width:900px){.cf-juris-grid{grid-template-columns:1fr;gap:16px;max-width:520px;margin-left:auto;margin-right:auto;}}\n<\/style>\n<div class=\"cf-juris-grid\">\n<div style=\"background:#fff;border:1px solid #e0e0e0;border-top:3px solid #d0252d;border-radius:8px;padding:18px 16px;\">\n<div style=\"display:flex;align-items:center;gap:10px;margin-bottom:10px;padding-bottom:10px;border-bottom:1px solid #f0f0f0;\">\n<span style=\"font-size:28px;\">&#127473;&#127481;<\/span><\/p>\n<div>\n<div style=\"font-size:15px;font-weight:700;color:#222;\">Lithuania<\/div>\n<div style=\"font-size:11px;color:#666;\">Bank of Lithuania (BoL)<\/div>\n<\/div>\n<\/div>\n<div style=\"font-size:13px;color:#444;line-height:1.7;margin-bottom:12px;\">Lithuania was one of the first EU states to build a national crowdfunding framework and has the most established ECSPR regulator. The Bank of Lithuania (Lietuvos bankas) is known for structured guidance and efficient pre-application consultation. Fintech applications benefit from a clear, well-documented review framework.<\/p>\n<p><strong>State application fee:<\/strong> \u20ac710<br \/>\n<strong>Capital requirement:<\/strong> \u20ac25,000<br \/>\n<strong>Completeness check:<\/strong> 25 working days<br \/>\n<strong>Decision timeline:<\/strong> 3 months from complete file<br \/>\n<strong>Supervisory fees:<\/strong> Volume-based annual charge<br \/>\n<strong>Best for:<\/strong> Loan-based and hybrid platforms, real estate crowdfunding, fintechs needing a credible EU hub\n<\/div>\n<div style=\"border-top:1px solid #f0f0f0;padding-top:10px;\"><a href=\"#contact\" style=\"font-size:12px;font-weight:600;color:#d0252d;text-decoration:none;\">Enquire about Lithuania &raquo;<\/a><\/div>\n<\/div>\n<div style=\"background:#fff;border:1px solid #e0e0e0;border-top:3px solid #d0252d;border-radius:8px;padding:18px 16px;\">\n<div style=\"display:flex;align-items:center;gap:10px;margin-bottom:10px;padding-bottom:10px;border-bottom:1px solid #f0f0f0;\">\n<span style=\"font-size:28px;\">&#127473;&#127483;<\/span><\/p>\n<div>\n<div style=\"font-size:15px;font-weight:700;color:#222;\">Latvia<\/div>\n<div style=\"font-size:11px;color:#666;\">Latvijas Banka<\/div>\n<\/div>\n<\/div>\n<div style=\"font-size:13px;color:#444;line-height:1.7;margin-bottom:12px;\">Latvijas Banka has an active and growing CSP register with authorised platforms including Capitalia and LANDE. The regulator is known for professional, supportive engagement with applicants and clear process structure. Latvia&#8217;s growing fintech ecosystem provides access to local compliance talent and banking partners.<\/p>\n<p><strong>State application fee:<\/strong> \u20ac2,500<br \/>\n<strong>Capital requirement:<\/strong> \u20ac25,000<br \/>\n<strong>Completeness check:<\/strong> 25 working days<br \/>\n<strong>Decision timeline:<\/strong> 3 months from complete file<br \/>\n<strong>Annual supervisory fee:<\/strong> \u20ac4,000 + up to 1.4% gross revenue<br \/>\n<strong>Best for:<\/strong> Loan-based platforms, SME lenders, real estate portals seeking a Baltic base with active NCA\n<\/div>\n<div style=\"border-top:1px solid #f0f0f0;padding-top:10px;\"><a href=\"#contact\" style=\"font-size:12px;font-weight:600;color:#d0252d;text-decoration:none;\">Enquire about Latvia &raquo;<\/a><\/div>\n<\/div>\n<div style=\"background:#fff;border:1px solid #e0e0e0;border-top:3px solid #d0252d;border-radius:8px;padding:18px 16px;\">\n<div style=\"display:flex;align-items:center;gap:10px;margin-bottom:10px;padding-bottom:10px;border-bottom:1px solid #f0f0f0;\">\n<span style=\"font-size:28px;\">&#127466;&#127466;<\/span><\/p>\n<div>\n<div style=\"font-size:15px;font-weight:700;color:#222;\">Estonia<\/div>\n<div style=\"font-size:11px;color:#666;\">Finantsinspektsioon (FSA)<\/div>\n<\/div>\n<\/div>\n<div style=\"font-size:13px;color:#444;line-height:1.7;margin-bottom:12px;\">Finantsinspektsioon is a rigorous and digital-first regulator, well suited to tech-driven platforms with strong governance and IT infrastructure. Estonia&#8217;s e-residency and digital business environment adds practical advantages for remote setup.<\/p>\n<p><strong>State application fee:<\/strong> \u20ac1,000<br \/>\n<strong>Capital requirement:<\/strong> \u20ac25,000<br \/>\n<strong>Completeness check:<\/strong> 25 working days<br \/>\n<strong>Decision timeline:<\/strong> 3 months from complete file<br \/>\n<strong>Supervisory fees:<\/strong> Volume-based annual charge<br \/>\n<strong>Best for:<\/strong> Tech-forward equity platforms, digital-native portals, platforms with strong IT governance seeking EU credibility\n<\/div>\n<div style=\"border-top:1px solid #f0f0f0;padding-top:10px;\"><a href=\"#contact\" style=\"font-size:12px;font-weight:600;color:#d0252d;text-decoration:none;\">Enquire about Estonia &raquo;<\/a><\/div>\n<\/div>\n<\/div>\n<p style=\"font-size:12px;color:#444;margin-top:16px;margin-bottom:20px;font-style:italic;\">Jurisdiction selection is included in the Gold readiness audit. We assess your business model, ownership structure, tax objectives and NCA compatibility before making a formal recommendation.<br \/><a href=\"#contact\" style=\"color:#444;\">Contact us for a free initial consultation.<\/a><\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row rt_row_background_width=&#8221;fullwidth&#8221; rt_row_content_width=&#8221;default&#8221; rt_row_style=&#8221;default-style&#8221; rt_row_height=&#8221;&#8221; rt_column_gaps=&#8221;&#8221; rt_row_shadows=&#8221;&#8221; rt_row_paddings=&#8221;true&#8221; rt_row_borders=&#8221;bottom&#8221; rt_bg_effect=&#8221;classic&#8221; rt_transparent_bg=&#8221;false&#8221; rt_bg_image_repeat=&#8221;repeat&#8221; rt_bg_size=&#8221;cover&#8221; rt_bg_position=&#8221;right top&#8221; rt_bg_attachment=&#8221;scroll&#8221; rt_bg_layer=&#8221;&#8221; rt_bg_video_format=&#8221;self-hosted&#8221; rt_padding_top=&#8221;5&#8243; rt_padding_bottom=&#8221;0&#8243;][vc_column rt_col_paddings=&#8221;true&#8221; rt_wrp_col_paddings=&#8221;false&#8221; rt_column_shadow=&#8221;&#8221; rt_border_top=&#8221;&#8221; rt_border_bottom=&#8221;&#8221; rt_border_left=&#8221;&#8221; rt_border_right=&#8221;&#8221; rt_border_top_mobile=&#8221;&#8221; rt_border_bottom_mobile=&#8221;&#8221; rt_border_left_mobile=&#8221;&#8221; rt_border_right_mobile=&#8221;&#8221; rt_bg_image_repeat=&#8221;repeat&#8221; rt_bg_size=&#8221;auto auto&#8221; rt_bg_position=&#8221;right top&#8221; rt_bg_attachment=&#8221;scroll&#8221; rt_bg_color=&#8221;&#8221; rt_bg_overlay_color=&#8221;&#8221;]<div class=\"rt_heading_wrapper style-1\">\n\t\t\t\t\t\t<h2 class=\"rt_heading style-1\"  style=\"margin-top:0px;\">Loan-based vs Equity-based: What the ECSPR Licence Covers<\/h2>\n\t\t\t\t\t<\/div>[vc_column_text css=&#8221;.vc_custom_1pi001{margin-top:0!important;padding-top:0!important;}&#8221;]<\/p>\n<p style=\"margin-bottom:12px;text-align:justify;\"><strong>A single ECSPR authorisation covers both loan-based and equity-based crowdfunding, but each model has distinct operational requirements.<\/strong> Understanding the differences helps you structure your platform, documentation and investor workflows correctly from the start. Capital requirements are the same for both; the key differences are in ongoing obligations and investor-facing disclosures.<\/p>\n<div style=\"overflow-x:auto;\">\n<table style=\"width:100%;border-collapse:collapse;font-size:13px;\">\n<thead>\n<tr>\n<th style=\"padding:10px 12px;border:1px solid #ddd;background:#f0f0f0;text-align:left;font-weight:700;color:#222;min-width:180px;\">Feature<\/th>\n<th style=\"padding:10px 12px;border:1px solid #ddd;background:#f0f0f0;text-align:center;font-weight:700;color:#d0252d;\">Loan-based (Lending)<\/th>\n<th style=\"padding:10px 12px;border:1px solid #ddd;background:#f0f0f0;text-align:center;font-weight:700;color:#d0252d;\">Equity-based (Investment)<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td style=\"padding:9px 12px;border:1px solid #ddd;font-weight:600;\">What the platform does<\/td>\n<td style=\"padding:9px 12px;border:1px solid #ddd;text-align:center;\">Facilitates loans between investors and project owners<\/td>\n<td style=\"padding:9px 12px;border:1px solid #ddd;text-align:center;\">Facilitates securities offerings (shares, bonds) to investors<\/td>\n<\/tr>\n<tr style=\"background:#fafafa;\">\n<td style=\"padding:9px 12px;border:1px solid #ddd;font-weight:600;\">Project owner obligation<\/td>\n<td style=\"padding:9px 12px;border:1px solid #ddd;text-align:center;\">Repays principal + interest on agreed schedule<\/td>\n<td style=\"padding:9px 12px;border:1px solid #ddd;text-align:center;\">Issues transferable securities; no repayment obligation<\/td>\n<\/tr>\n<tr>\n<td style=\"padding:9px 12px;border:1px solid #ddd;font-weight:600;\">Investor return<\/td>\n<td style=\"padding:9px 12px;border:1px solid #ddd;text-align:center;\">Interest payments over loan term<\/td>\n<td style=\"padding:9px 12px;border:1px solid #ddd;text-align:center;\">Capital appreciation and\/or dividends<\/td>\n<\/tr>\n<tr style=\"background:#fafafa;\">\n<td style=\"padding:9px 12px;border:1px solid #ddd;font-weight:600;\">Offer cap per issuer\/year<\/td>\n<td style=\"padding:9px 12px;border:1px solid #ddd;text-align:center;color:#1a7a4a;font-weight:600;\">&euro;5 million<\/td>\n<td style=\"padding:9px 12px;border:1px solid #ddd;text-align:center;color:#1a7a4a;font-weight:600;\">&euro;5 million<\/td>\n<\/tr>\n<tr>\n<td style=\"padding:9px 12px;border:1px solid #ddd;font-weight:600;\">Minimum own funds<\/td>\n<td style=\"padding:9px 12px;border:1px solid #ddd;text-align:center;color:#1a7a4a;font-weight:600;\">&euro;25,000<\/td>\n<td style=\"padding:9px 12px;border:1px solid #ddd;text-align:center;color:#1a7a4a;font-weight:600;\">&euro;25,000<\/td>\n<\/tr>\n<tr style=\"background:#fafafa;\">\n<td style=\"padding:9px 12px;border:1px solid #ddd;font-weight:600;\">Own funds scaling<\/td>\n<td style=\"padding:9px 12px;border:1px solid #ddd;text-align:center;\">+0.5% of outstanding loans above &euro;5M<\/td>\n<td style=\"padding:9px 12px;border:1px solid #ddd;text-align:center;color:#666;\">No scaling requirement<\/td>\n<\/tr>\n<tr>\n<td style=\"padding:9px 12px;border:1px solid #ddd;font-weight:600;\">KIIS disclosure<\/td>\n<td style=\"padding:9px 12px;border:1px solid #ddd;text-align:center;color:#1a7a4a;font-weight:600;\">Required per offer<\/td>\n<td style=\"padding:9px 12px;border:1px solid #ddd;text-align:center;color:#1a7a4a;font-weight:600;\">Required per offer<\/td>\n<\/tr>\n<tr style=\"background:#fafafa;\">\n<td style=\"padding:9px 12px;border:1px solid #ddd;font-weight:600;\">Investor suitability test<\/td>\n<td style=\"padding:9px 12px;border:1px solid #ddd;text-align:center;color:#1a7a4a;font-weight:600;\">Required (non-sophisticated)<\/td>\n<td style=\"padding:9px 12px;border:1px solid #ddd;text-align:center;color:#1a7a4a;font-weight:600;\">Required (non-sophisticated)<\/td>\n<\/tr>\n<tr>\n<td style=\"padding:9px 12px;border:1px solid #ddd;font-weight:600;\">Creditworthiness assessment<\/td>\n<td style=\"padding:9px 12px;border:1px solid #ddd;text-align:center;color:#1a7a4a;font-weight:600;\">Required (project owners)<\/td>\n<td style=\"padding:9px 12px;border:1px solid #ddd;text-align:center;color:#666;\">Not required<\/td>\n<\/tr>\n<tr style=\"background:#fafafa;\">\n<td style=\"padding:9px 12px;border:1px solid #ddd;font-weight:600;\">Default rate disclosure<\/td>\n<td style=\"padding:9px 12px;border:1px solid #ddd;text-align:center;color:#1a7a4a;font-weight:600;\">Required (annual)<\/td>\n<td style=\"padding:9px 12px;border:1px solid #ddd;text-align:center;color:#666;\">Not required<\/td>\n<\/tr>\n<tr>\n<td style=\"padding:9px 12px;border:1px solid #ddd;font-weight:600;\">Backup servicer plan<\/td>\n<td style=\"padding:9px 12px;border:1px solid #ddd;text-align:center;color:#1a7a4a;font-weight:600;\">Mandatory (ECSPR Art. 12)<\/td>\n<td style=\"padding:9px 12px;border:1px solid #ddd;text-align:center;color:#666;\">Not required<\/td>\n<\/tr>\n<tr style=\"background:#fafafa;\">\n<td style=\"padding:9px 12px;border:1px solid #ddd;font-weight:600;\">Payment services needed<\/td>\n<td style=\"padding:9px 12px;border:1px solid #ddd;text-align:center;\">Separate PI\/EMI licence if platform holds funds<\/td>\n<td style=\"padding:9px 12px;border:1px solid #ddd;text-align:center;\">Separate PI\/EMI licence if platform holds funds<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<p style=\"font-size:12px;color:#444;margin-top:8px;margin-bottom:20px;font-style:italic;\">A single ECSPR authorisation can cover both models simultaneously. Platforms that also collect or hold client funds for payment purposes require a separate PI or EMI licence. <a href=\"#contact\" style=\"color:#444;\">Contact us<\/a> for a multi-licence assessment.<\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row id=&#8221;packages&#8221; rt_row_background_width=&#8221;fullwidth&#8221; rt_row_content_width=&#8221;default&#8221; rt_row_style=&#8221;default-style&#8221; rt_row_height=&#8221;&#8221; rt_column_gaps=&#8221;&#8221; rt_row_shadows=&#8221;&#8221; rt_row_paddings=&#8221;true&#8221; rt_row_borders=&#8221;bottom&#8221; rt_bg_effect=&#8221;classic&#8221; rt_transparent_bg=&#8221;false&#8221; rt_bg_image_repeat=&#8221;repeat&#8221; rt_bg_size=&#8221;cover&#8221; rt_bg_position=&#8221;right top&#8221; rt_bg_attachment=&#8221;scroll&#8221; rt_bg_layer=&#8221;&#8221; rt_bg_video_format=&#8221;self-hosted&#8221; rt_padding_top=&#8221;30&#8243; rt_padding_bottom=&#8221;30&#8243; rt_bg_image=&#8221;36245&#8243;][vc_column rt_col_paddings=&#8221;true&#8221; rt_wrp_col_paddings=&#8221;false&#8221; rt_column_shadow=&#8221;&#8221; rt_border_top=&#8221;&#8221; rt_border_bottom=&#8221;&#8221; rt_border_left=&#8221;&#8221; rt_border_right=&#8221;true&#8221; rt_border_top_mobile=&#8221;&#8221; rt_border_bottom_mobile=&#8221;&#8221; rt_border_left_mobile=&#8221;&#8221; rt_border_right_mobile=&#8221;&#8221; rt_bg_image_repeat=&#8221;repeat&#8221; rt_bg_size=&#8221;auto auto&#8221; rt_bg_position=&#8221;right top&#8221; rt_bg_attachment=&#8221;scroll&#8221; rt_bg_color=&#8221;&#8221; rt_bg_overlay_color=&#8221;&#8221;]<div class=\"rt_heading_wrapper style-7\">\n\t\t\t\t\t\t<h2 class=\"rt_heading style-7 aligncenter\"  style=\"margin-top:0px;\"><span class=\"icon-ava-money heading_icon\"><\/span>EU Crowdfunding Licensing Packages<\/h2>\n\t\t\t\t\t<\/div>[\/vc_column][\/vc_row]<br \/>\n[vc_row rt_row_background_width=&#8221;fullwidth&#8221; rt_row_content_width=&#8221;default&#8221; rt_row_style=&#8221;default-style&#8221; rt_row_height=&#8221;&#8221; rt_column_gaps=&#8221;&#8221; rt_row_shadows=&#8221;&#8221; rt_row_paddings=&#8221;true&#8221; rt_row_borders=&#8221;&#8221; rt_bg_effect=&#8221;classic&#8221; rt_transparent_bg=&#8221;false&#8221; rt_bg_image_repeat=&#8221;repeat&#8221; rt_bg_size=&#8221;cover&#8221; rt_bg_position=&#8221;right top&#8221; rt_bg_attachment=&#8221;scroll&#8221; rt_bg_layer=&#8221;&#8221; rt_bg_video_format=&#8221;self-hosted&#8221; rt_padding_top=&#8221;5&#8243; rt_padding_bottom=&#8221;0&#8243;][vc_column rt_col_paddings=&#8221;true&#8221; rt_wrp_col_paddings=&#8221;false&#8221; rt_column_shadow=&#8221;&#8221; rt_border_top=&#8221;&#8221; rt_border_bottom=&#8221;&#8221; rt_border_left=&#8221;&#8221; rt_border_right=&#8221;&#8221; rt_border_top_mobile=&#8221;&#8221; rt_border_bottom_mobile=&#8221;&#8221; rt_border_left_mobile=&#8221;&#8221; rt_border_right_mobile=&#8221;&#8221; rt_bg_image_repeat=&#8221;repeat&#8221; rt_bg_size=&#8221;auto auto&#8221; rt_bg_position=&#8221;right top&#8221; rt_bg_attachment=&#8221;scroll&#8221; rt_bg_color=&#8221;&#8221; rt_bg_overlay_color=&#8221;&#8221;]<div class=\"rt_heading_wrapper style-1\">\n\t\t\t\t\t\t<h2 class=\"rt_heading style-1\"  style=\"margin-top:0px;\">Choose Your ECSPR Crowdfunding Package<\/h2>\n\t\t\t\t\t<\/div>[vc_column_text]<\/p>\n<p style=\"text-align:justify;margin-bottom:14px;\"><strong>We offer three service tiers to match different stages of readiness and project scope.<\/strong> The Gold package is a fixed-fee legal opinion and readiness audit, ideal before committing to a full application. Platinum covers the complete authorisation process in Lithuania, Latvia or Estonia. Custom adds substance building, MLRO outsourcing and platform launch support. The Gold fee is fully deductible from the Platinum package if you proceed to a full application.<\/p>\n<style>\n.cf-pkg-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;margin-top:12px;}\n@media(max-width:900px){\n.cf-pkg-grid{grid-template-columns:1fr;gap:18px;max-width:520px;margin-left:auto;margin-right:auto;}\n.cf-pkg-grid > div{width:100% !important;}\n}\n<\/style>\n<div class=\"cf-pkg-grid\">\n<div style=\"background:#fafafa;border:1px solid #e0e0e0;border-radius:8px;padding:20px 18px;display:flex;flex-direction:column;\">\n<div style=\"font-size:10px;font-weight:700;color:#d0252d;letter-spacing:0.12em;text-transform:uppercase;margin-bottom:6px;\">Gold<\/div>\n<div style=\"font-size:22px;font-weight:700;color:#222;margin-bottom:2px;\">&euro;10,000<\/div>\n<div style=\"font-size:11px;color:#666;margin-bottom:14px;\">Fixed fee, all jurisdictions<\/div>\n<div style=\"font-size:10px;font-weight:700;color:#555;text-transform:uppercase;letter-spacing:0.08em;margin-bottom:8px;\">GOLD: ECSPR READINESS AUDIT<\/div>\n<ul style=\"margin:0 0 16px;padding-left:16px;font-size:13px;color:#333;line-height:1.8;flex:1;\">\n<li>Business model regulatory assessment<\/li>\n<li>Jurisdiction recommendation (LT\/LV\/EE)<\/li>\n<li>Written ECSPR eligibility opinion<\/li>\n<li>Capital and governance structuring advice<\/li>\n<li>Document gap analysis and checklist<\/li>\n<li>Pre-application NCA meeting coordination<\/li>\n<li>Deductible from Platinum if you proceed<\/li>\n<\/ul>\n<p><a href=\"#contact\" style=\"display:block;text-align:center;background:#d0252d;color:#fff;padding:10px;border-radius:4px;font-size:13px;font-weight:700;text-decoration:none;margin-top:auto;\">Get Started &raquo;<\/a>\n<\/div>\n<div style=\"background:#fff;border:2px solid #d0252d;border-radius:8px;padding:20px 18px;display:flex;flex-direction:column;position:relative;\">\n<div style=\"position:absolute;top:-12px;left:50%;transform:translateX(-50%);background:#d0252d;color:#fff;font-size:10px;font-weight:700;padding:3px 12px;border-radius:12px;letter-spacing:0.08em;white-space:nowrap;\">MOST POPULAR<\/div>\n<div style=\"font-size:10px;font-weight:700;color:#d0252d;letter-spacing:0.12em;text-transform:uppercase;margin-bottom:6px;\">Platinum<\/div>\n<div style=\"font-size:22px;font-weight:700;color:#222;margin-bottom:2px;\">From &euro;50,000<\/div>\n<div style=\"font-size:11px;color:#666;margin-bottom:14px;\">Jurisdiction and scope dependent<\/div>\n<div style=\"font-size:10px;font-weight:700;color:#555;text-transform:uppercase;letter-spacing:0.08em;margin-bottom:8px;\">PLATINUM: FULL ECSPR APPLICATION<\/div>\n<ul style=\"margin:0 0 16px;padding-left:16px;font-size:13px;color:#333;line-height:1.8;flex:1;\">\n<li>All Gold deliverables included<\/li>\n<li>Company incorporation in chosen jurisdiction<\/li>\n<li>Full ECSPR application documentation (20+ docs)<\/li>\n<li>Programme of operations and business plan<\/li>\n<li>AML\/CFT policies, KIIS framework, IT security<\/li>\n<li>Backup servicer arrangement drafting<\/li>\n<li>Investor suitability test implementation<\/li>\n<li>NCA submission and query management<\/li>\n<li>Through to authorisation grant<\/li>\n<\/ul>\n<p><a href=\"#contact\" style=\"display:block;text-align:center;background:#d0252d;color:#fff;padding:10px;border-radius:4px;font-size:13px;font-weight:700;text-decoration:none;margin-top:auto;\">Get Started &raquo;<\/a>\n<\/div>\n<div style=\"background:#fafafa;border:1px solid #e0e0e0;border-radius:8px;padding:20px 18px;display:flex;flex-direction:column;\">\n<div style=\"font-size:10px;font-weight:700;color:#d0252d;letter-spacing:0.12em;text-transform:uppercase;margin-bottom:6px;\">Custom<\/div>\n<div style=\"font-size:22px;font-weight:700;color:#222;margin-bottom:2px;\">From &euro;100,000<\/div>\n<div style=\"font-size:11px;color:#666;margin-bottom:14px;\">Full scope with substance building<\/div>\n<div style=\"font-size:10px;font-weight:700;color:#555;text-transform:uppercase;letter-spacing:0.08em;margin-bottom:8px;\">CUSTOM: PLATFORM LAUNCH PACKAGE<\/div>\n<ul style=\"margin:0 0 16px;padding-left:16px;font-size:13px;color:#333;line-height:1.8;flex:1;\">\n<li>All Platinum deliverables included<\/li>\n<li>MLRO outsourcing and AML compliance setup<\/li>\n<li>Local director and management solutions<\/li>\n<li>Platform operational compliance framework<\/li>\n<li>Investor onboarding process design<\/li>\n<li>ESMA register notification support<\/li>\n<li>Post-authorisation passporting notifications<\/li>\n<li>Ongoing supervisory reporting assistance<\/li>\n<\/ul>\n<p><a href=\"#contact\" style=\"display:block;text-align:center;background:#d0252d;color:#fff;padding:10px;border-radius:4px;font-size:13px;font-weight:700;text-decoration:none;margin-top:auto;\">Discuss Scope &raquo;<\/a>\n<\/div>\n<\/div>\n<p style=\"font-size:12px;color:#444;margin-top:10px;margin-bottom:20px;font-style:italic;\">Note: Pricing depends on jurisdiction and scope. Company formation, share capital and annual NCA supervisory fees are separate.<br \/><a href=\"#contact\" style=\"color:#444;\">Contact us<\/a> for a detailed proposal.<\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row]<br \/>\n[vc_row rt_row_background_width=&#8221;fullwidth&#8221; rt_row_content_width=&#8221;default&#8221; rt_row_style=&#8221;default-style&#8221; rt_row_height=&#8221;&#8221; rt_column_gaps=&#8221;&#8221; rt_row_shadows=&#8221;&#8221; rt_row_paddings=&#8221;true&#8221; rt_row_borders=&#8221;bottom&#8221; rt_bg_effect=&#8221;classic&#8221; rt_transparent_bg=&#8221;false&#8221; rt_bg_image_repeat=&#8221;repeat&#8221; rt_bg_size=&#8221;cover&#8221; rt_bg_position=&#8221;right top&#8221; rt_bg_attachment=&#8221;scroll&#8221; rt_bg_layer=&#8221;&#8221; rt_bg_video_format=&#8221;self-hosted&#8221; rt_margin_top=&#8221;0&#8243; rt_bg_image=&#8221;36245&#8243;][vc_column rt_col_paddings=&#8221;true&#8221; rt_wrp_col_paddings=&#8221;false&#8221; rt_column_shadow=&#8221;&#8221; rt_border_top=&#8221;&#8221; rt_border_bottom=&#8221;&#8221; rt_border_left=&#8221;&#8221; rt_border_right=&#8221;true&#8221; rt_border_top_mobile=&#8221;&#8221; rt_border_bottom_mobile=&#8221;&#8221; rt_border_left_mobile=&#8221;&#8221; rt_border_right_mobile=&#8221;&#8221; rt_bg_image_repeat=&#8221;repeat&#8221; rt_bg_size=&#8221;auto auto&#8221; rt_bg_position=&#8221;right top&#8221; rt_bg_attachment=&#8221;scroll&#8221; rt_bg_color=&#8221;&#8221; rt_bg_overlay_color=&#8221;&#8221;]<div class=\"rt_heading_wrapper style-7\">\n\t\t\t\t\t\t<h2 class=\"rt_heading style-7 aligncenter\"  style=\"margin-top:0px;\"><span class=\"icon-ava-arrow7 heading_icon\"><\/span>EU Crowdfunding Licence: Phase-by-Phase Timeline<\/h2>\n\t\t\t\t\t<\/div>[\/vc_column][\/vc_row][vc_row rt_row_background_width=&#8221;fullwidth&#8221; rt_row_content_width=&#8221;default&#8221; rt_row_style=&#8221;default-style&#8221; rt_row_height=&#8221;&#8221; rt_column_gaps=&#8221;&#8221; rt_row_shadows=&#8221;&#8221; rt_row_paddings=&#8221;true&#8221; rt_row_borders=&#8221;bottom&#8221; rt_bg_effect=&#8221;classic&#8221; rt_transparent_bg=&#8221;false&#8221; rt_bg_image_repeat=&#8221;repeat&#8221; rt_bg_size=&#8221;cover&#8221; rt_bg_position=&#8221;right top&#8221; rt_bg_attachment=&#8221;scroll&#8221; rt_bg_layer=&#8221;&#8221; rt_bg_video_format=&#8221;self-hosted&#8221; rt_padding_top=&#8221;25&#8243; rt_padding_bottom=&#8221;20&#8243;][vc_column rt_col_paddings=&#8221;true&#8221; rt_wrp_col_paddings=&#8221;false&#8221; rt_column_shadow=&#8221;&#8221; rt_border_top=&#8221;&#8221; rt_border_bottom=&#8221;&#8221; rt_border_left=&#8221;&#8221; rt_border_right=&#8221;&#8221; rt_border_top_mobile=&#8221;&#8221; rt_border_bottom_mobile=&#8221;&#8221; rt_border_left_mobile=&#8221;&#8221; rt_border_right_mobile=&#8221;&#8221; rt_bg_image_repeat=&#8221;repeat&#8221; rt_bg_size=&#8221;auto auto&#8221; rt_bg_position=&#8221;right top&#8221; rt_bg_attachment=&#8221;scroll&#8221; rt_bg_color=&#8221;&#8221; rt_bg_overlay_color=&#8221;&#8221;][vc_column_text]<\/p>\n<style>\n.mtl-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:0;align-items:stretch;}\n.mtl-col{display:flex;flex-direction:column;padding:0 22px 0 0;border-right:2px solid #d0252d;}\n.mtl-col:last-child{border-right:none;padding-right:0;padding-left:22px;}\n.mtl-col:not(:first-child){padding-left:22px;}\n.mtl-head{border-left:3px solid #d0252d;padding-left:10px;margin-bottom:14px;}\n.mtl-head-title{font-size:15px;font-weight:700;color:#222;margin-bottom:4px;line-height:1.3;}\n.mtl-head-desc{font-size:12px;color:#555;line-height:1.6;}\n.mtl-box{border:1px solid #ddd;border-radius:8px;padding:13px 14px;font-size:12px;color:#333;line-height:1.6;background:#fafafa;min-height:88px;}\n.mtl-num{text-align:center;margin:18px 0 4px;}\n.mtl-num-val{font-size:68px;font-weight:800;color:#555;line-height:1;display:block;}\n.mtl-num-val.red{color:#d0252d;}\n.mtl-unit{text-align:center;font-size:13px;color:#333;font-weight:600;margin-bottom:6px;}\n.mtl-arrow{text-align:center;font-size:22px;color:#d0252d;margin:6px 0 8px;line-height:1;}\n.mtl-bar{position:relative;height:7px;background:#e2e2e2;border-radius:4px;margin:0 0 14px;}\n.mtl-dot{position:absolute;top:50%;transform:translateY(-50%);width:14px;height:14px;background:#d0252d;border-radius:50%;box-shadow:0 0 0 3px rgba(208,37,45,0.18);}\n.mtl-note{border:1px dashed #ccc;border-radius:6px;padding:11px 13px;margin-bottom:14px;font-size:12px;color:#333;line-height:1.6;background:#fff;}\n.mtl-card{border:1px solid #e0e0e0;border-top:3px solid #d0252d;border-radius:6px;padding:13px 14px;background:#fff;flex:1;}\n.mtl-card-head{display:flex;align-items:center;gap:7px;margin-bottom:6px;}\n.mtl-card-title{font-size:13px;font-weight:700;color:#222;}\n.mtl-card-desc{font-size:12px;color:#555;line-height:1.6;margin-bottom:8px;}\n.mtl-card ul{margin:0;padding-left:16px;font-size:12px;color:#555;line-height:1.9;}\n@media(max-width:900px){\n.mtl-grid{grid-template-columns:repeat(2,1fr);gap:28px 18px;}\n.mtl-col{padding:0 14px 0 0 !important;border-right:2px solid #d0252d;}\n.mtl-col:nth-child(2n){border-right:none;padding-right:0 !important;padding-left:14px !important;}\n.mtl-col:nth-child(2n+1):not(:first-child){padding-left:0 !important;}\n.mtl-num-val{font-size:52px;}\n}\n@media(max-width:640px){\n.mtl-grid{grid-template-columns:1fr;gap:32px 0;}\n.mtl-col,.mtl-col:last-child,.mtl-col:not(:first-child),.mtl-col:nth-child(2n){padding:0 0 24px 0 !important;border-right:none !important;border-bottom:2px solid #d0252d;}\n.mtl-col:last-child{border-bottom:none;padding-bottom:0 !important;}\n.mtl-head{border-left:3px solid #d0252d;padding-left:12px;}\n.mtl-num{margin:16px 0 4px;display:flex;align-items:baseline;justify-content:center;gap:8px;}\n.mtl-num-val{font-size:46px;display:inline-block;}\n.mtl-unit{display:inline-block;margin-bottom:0;font-size:14px;}\n.mtl-arrow{display:none;}\n}\n<\/style>\n<p style=\"text-align:justify;margin-bottom:24px;\"><strong>The ECSPR authorisation process is structured around three regulatory phases, with the NCA legally required to decide within 3 months of receiving a complete application.<\/strong> In practice, the total timeline from engagement to authorisation typically runs 4-5 months depending on jurisdiction, documentation quality and NCA query volume. Lithuania tends to be the fastest of the three; Estonia the most thorough.<\/p>\n<div class=\"mtl-grid\">\n<div class=\"mtl-col\">\n<div class=\"mtl-head\">\n<div class=\"mtl-head-title\">1. Legal Opinion &amp; Preparation<\/div>\n<div class=\"mtl-head-desc\">Assess model, select jurisdiction and build the full documentation package.<\/div>\n<\/div>\n<div class=\"mtl-box\">Business model structuring, jurisdiction selection, AML\/CFT framework design, KIIS template preparation, backup servicer arrangement and IT security description. Capital structure confirmed, key personnel identified and company formation initiated.<\/div>\n<div class=\"mtl-num\"><span class=\"mtl-num-val\">~1<\/span><\/div>\n<div class=\"mtl-unit\">month<\/div>\n<div class=\"mtl-arrow\">&#8594;<\/div>\n<div style=\"position:relative;height:7px;background:#e2e2e2;border-radius:4px;margin:0 0 14px;\">\n<div style=\"position:absolute;left:0;top:0;height:7px;width:30%;background:#d0252d;border-radius:4px;\"><\/div>\n<div style=\"position:absolute;top:50%;left:30%;transform:translate(-50%,-50%);width:14px;height:14px;background:#d0252d;border-radius:50%;box-shadow:0 0 0 3px rgba(208,37,45,0.18);\"><\/div>\n<\/div>\n<div class=\"mtl-note\"><strong>Practical note:<\/strong> Quality of preparation directly determines NCA review speed. All 20+ required documents must be complete and consistent before submission. Well-prepared files receive fewer queries.<\/div>\n<div class=\"mtl-card\">\n<div class=\"mtl-card-head\"><i class=\"fas fa-clipboard-list\" style=\"color:#d0252d;font-size:12px;\"><\/i><span class=\"mtl-card-title\">What to prepare<\/span><\/div>\n<div class=\"mtl-card-desc\">Build the regulatory and business documentation package to NCA standard.<\/div>\n<ul>\n<li>Programme of operations<\/li>\n<li>3-year business plan and financials<\/li>\n<li>AML\/CFT policies and KYC procedures<\/li>\n<li>KIIS policy and project templates<\/li>\n<li>Investor suitability test design<\/li>\n<li>Backup servicer arrangement<\/li>\n<li>IT security and continuity plan<\/li>\n<li>Governance and management body docs<\/li>\n<\/ul>\n<\/div>\n<\/div>\n<div class=\"mtl-col\">\n<div class=\"mtl-head\">\n<div class=\"mtl-head-title\">2. Application &amp; Pre-Meeting<\/div>\n<div class=\"mtl-head-desc\">Finalise documentation and present to NCA at pre-application meeting.<\/div>\n<\/div>\n<div class=\"mtl-box\">Finalising business plan, AML\/CFT programme, conflict of interest policy, complaint management procedure, investor suitability framework and shareholder questionnaires. NCA pre-application meeting requested and held.<\/div>\n<div class=\"mtl-num\"><span class=\"mtl-num-val\">~1<\/span><\/div>\n<div class=\"mtl-unit\">month<\/div>\n<div class=\"mtl-arrow\">&#8594;<\/div>\n<div style=\"position:relative;height:7px;background:#e2e2e2;border-radius:4px;margin:0 0 14px;\">\n<div style=\"position:absolute;left:0;top:0;height:7px;width:55%;background:#d0252d;border-radius:4px;\"><\/div>\n<div style=\"position:absolute;top:50%;left:55%;transform:translate(-50%,-50%);width:14px;height:14px;background:#d0252d;border-radius:50%;box-shadow:0 0 0 3px rgba(208,37,45,0.18);\"><\/div>\n<\/div>\n<div class=\"mtl-note\"><strong>Legal timeline:<\/strong> All three NCAs encourage a pre-application meeting before formal submission. It is not mandatory but materially reduces information queries and can shorten the overall review period.<\/div>\n<div class=\"mtl-card\">\n<div class=\"mtl-card-head\"><i class=\"fas fa-file-alt\" style=\"color:#d0252d;font-size:12px;\"><\/i><span class=\"mtl-card-title\">What must be complete<\/span><\/div>\n<div class=\"mtl-card-desc\">A coherent application signals readiness and reduces NCA queries significantly.<\/div>\n<ul>\n<li>All 20+ required documents drafted<\/li>\n<li>Shareholder and management questionnaires<\/li>\n<li>AML algorithms and risk scoring models<\/li>\n<li>Draft partner and service provider agreements<\/li>\n<li>Internal rules (conflicts, complaints, data)<\/li>\n<li>Evidence of initial \u20ac25,000 capital<\/li>\n<\/ul>\n<\/div>\n<\/div>\n<div class=\"mtl-col\">\n<div class=\"mtl-head\">\n<div class=\"mtl-head-title\">3. NCA Review &amp; Authorisation<\/div>\n<div class=\"mtl-head-desc\">NCA formally assesses the application. Queries pause the review clock.<\/div>\n<\/div>\n<div class=\"mtl-box\">NCA assesses governance, AML\/CFT programme, management fitness, capital adequacy, investor protection framework, KIIS readiness and operational continuity. Queries are responded to promptly with legal support throughout.<\/div>\n<div class=\"mtl-num\"><span class=\"mtl-num-val\">~2-3<\/span><\/div>\n<div class=\"mtl-unit\">months<\/div>\n<div class=\"mtl-arrow\">&#8594;<\/div>\n<div style=\"position:relative;height:7px;background:#e2e2e2;border-radius:4px;margin:0 0 14px;\">\n<div style=\"position:absolute;left:0;top:0;height:7px;width:80%;background:#d0252d;border-radius:4px;\"><\/div>\n<div style=\"position:absolute;top:50%;left:80%;transform:translate(-50%,-50%);width:14px;height:14px;background:#d0252d;border-radius:50%;box-shadow:0 0 0 3px rgba(208,37,45,0.18);\"><\/div>\n<\/div>\n<div class=\"mtl-note\"><strong>Legal timeline:<\/strong> Under ECSPR, NCAs must decide within 3 months of a complete application. The clock pauses during supplementary information requests, so total review often runs longer in practice. The completeness check takes up to 25 working days.<\/div>\n<div class=\"mtl-card\">\n<div class=\"mtl-card-head\"><i class=\"fas fa-search\" style=\"color:#d0252d;font-size:12px;\"><\/i><span class=\"mtl-card-title\">What is assessed<\/span><\/div>\n<div class=\"mtl-card-desc\">The NCA tests whether your platform meets all ECSPR requirements before granting authorisation.<\/div>\n<ul>\n<li>Fitness and propriety of management and shareholders<\/li>\n<li>Adequacy of AML\/CFT framework<\/li>\n<li>Business plan viability and capital sufficiency<\/li>\n<li>KIIS and investor protection procedures<\/li>\n<li>IT security and business continuity<\/li>\n<li>Backup servicer arrangement validity<\/li>\n<\/ul>\n<\/div>\n<\/div>\n<div class=\"mtl-col\">\n<div class=\"mtl-head\">\n<div class=\"mtl-head-title\">4. Authorisation &amp; EU Passporting<\/div>\n<div class=\"mtl-head-desc\">Licence granted. ESMA register updated. EU passporting notifications filed.<\/div>\n<\/div>\n<div class=\"mtl-box\">Authorisation granted by NCA. Platform added to ESMA public register of crowdfunding service providers. Passporting notifications filed with target EU member state NCAs. Platform operations and investor onboarding commence.<\/div>\n<div class=\"mtl-num\"><span class=\"mtl-num-val red\">4-5<\/span><\/div>\n<div class=\"mtl-unit\">months total<\/div>\n<div style=\"height:7px;margin:0 0 14px;\"><\/div>\n<div style=\"position:relative;height:7px;background:#d0252d;border-radius:4px;margin:0 0 14px;\">\n<div style=\"position:absolute;top:50%;right:0;transform:translate(50%,-50%);width:14px;height:14px;background:#d0252d;border-radius:50%;box-shadow:0 0 0 3px rgba(208,37,45,0.18);\"><\/div>\n<\/div>\n<div class=\"mtl-note\"><strong>Post-authorisation:<\/strong> File passporting notifications to target EU\/EEA states, activate investor onboarding and KIIS publication workflow, and appoint your MLRO and compliance officer for ongoing NCA reporting.<\/div>\n<div class=\"mtl-card\">\n<div class=\"mtl-card-head\"><i class=\"fas fa-globe\" style=\"color:#d0252d;font-size:12px;\"><\/i><span class=\"mtl-card-title\">What to maintain<\/span><\/div>\n<div class=\"mtl-card-desc\">Ongoing supervision expects live compliance from day one of operations.<\/div>\n<ul>\n<li>MLRO and compliance function active<\/li>\n<li>Quarterly and annual NCA reporting<\/li>\n<li>KIIS publication per new project offer<\/li>\n<li>Investor suitability testing maintained<\/li>\n<li>Own funds scaled with outstanding loan volume<\/li>\n<li>Annual AML\/CFT risk assessment<\/li>\n<\/ul>\n<\/div>\n<\/div>\n<\/div>\n<p style=\"font-size:11px;color:#666;margin-top:12px;font-style:italic;\">* Timelines are indicative and depend on jurisdiction, documentation quality and NCA workload. Our team manages each phase to minimise delays.<\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row]<br \/>\n[vc_row rt_row_background_width=&#8221;fullwidth&#8221; rt_row_content_width=&#8221;default&#8221; rt_row_style=&#8221;default-style&#8221; rt_row_height=&#8221;&#8221; rt_column_gaps=&#8221;&#8221; rt_row_shadows=&#8221;&#8221; rt_row_paddings=&#8221;true&#8221; rt_row_borders=&#8221;bottom&#8221; rt_bg_effect=&#8221;classic&#8221; rt_transparent_bg=&#8221;false&#8221; rt_bg_image_repeat=&#8221;repeat&#8221; rt_bg_size=&#8221;cover&#8221; rt_bg_position=&#8221;right top&#8221; rt_bg_attachment=&#8221;scroll&#8221; rt_bg_layer=&#8221;&#8221; rt_bg_video_format=&#8221;self-hosted&#8221; rt_padding_top=&#8221;5&#8243; rt_padding_bottom=&#8221;10&#8243;][vc_column rt_col_paddings=&#8221;true&#8221; rt_wrp_col_paddings=&#8221;false&#8221; rt_column_shadow=&#8221;&#8221; rt_border_top=&#8221;&#8221; rt_border_bottom=&#8221;&#8221; rt_border_left=&#8221;&#8221; rt_border_right=&#8221;&#8221; rt_border_top_mobile=&#8221;&#8221; rt_border_bottom_mobile=&#8221;&#8221; rt_border_left_mobile=&#8221;&#8221; rt_border_right_mobile=&#8221;&#8221; rt_bg_image_repeat=&#8221;repeat&#8221; rt_bg_size=&#8221;auto auto&#8221; rt_bg_position=&#8221;right top&#8221; rt_bg_attachment=&#8221;scroll&#8221; rt_bg_color=&#8221;&#8221; rt_bg_overlay_color=&#8221;&#8221;]<div class=\"rt_heading_wrapper style-1\">\n\t\t\t\t\t\t<h2 class=\"rt_heading style-1\"  style=\"margin-top:0px;\">What Does an ECSPR Crowdfunding Application Require?<\/h2>\n\t\t\t\t\t<\/div>[vc_column_text css=&#8221;.vc_custom_1pi001{margin-top:0!important;padding-top:0!important;}&#8221;]<\/p>\n<p style=\"text-align:justify;margin-bottom:16px;\"><strong>An ECSPR crowdfunding application requires over 20 distinct documents covering platform governance, investor protection, AML\/CFT framework, IT security and financial projections.<\/strong> The quality of preparation directly determines how many information requests you receive from the NCA, and therefore how long the formal review takes.<\/p>\n<style>\n.cf-app-grid{display:grid;grid-template-columns:1fr 1fr;gap:16px;margin-bottom:20px;}\n@media(max-width:900px){.cf-app-grid{grid-template-columns:1fr;}}\n<\/style>\n<div class=\"cf-app-grid\">\n<div style=\"background:#f9f9f9;border:1px solid #e0e0e0;border-radius:8px;padding:16px 18px;\">\n<div style=\"font-size:13px;font-weight:700;color:#d0252d;margin-bottom:10px;\"><i class=\"fas fa-file-alt\" style=\"margin-right:6px;\"><\/i>Corporate &amp; Governance<\/div>\n<ul style=\"margin:0;padding-left:16px;font-size:13px;color:#333;line-height:1.8;\">\n<li>Licensing application form (NCA standard)<\/li>\n<li>Articles of association and company registration<\/li>\n<li>Organisational structure and governance chart<\/li>\n<li>Management body questionnaires (CEO, directors)<\/li>\n<li>Shareholder questionnaires (20%+ holders)<\/li>\n<li>CVs and criminal record extracts (apostilled)<\/li>\n<li>Power of attorney to legal representative<\/li>\n<\/ul>\n<\/div>\n<div style=\"background:#f9f9f9;border:1px solid #e0e0e0;border-radius:8px;padding:16px 18px;\">\n<div style=\"font-size:13px;font-weight:700;color:#d0252d;margin-bottom:10px;\"><i class=\"fas fa-chart-bar\" style=\"margin-right:6px;\"><\/i>Business Plan &amp; Financials<\/div>\n<ul style=\"margin:0;padding-left:16px;font-size:13px;color:#333;line-height:1.8;\">\n<li>Programme of operations (detailed platform description)<\/li>\n<li>3-year financial projections (pessimistic and target)<\/li>\n<li>Capital adequacy calculations and stress tests<\/li>\n<li>Revenue model and fee structure<\/li>\n<li>Evidence of initial \u20ac25,000 own funds<\/li>\n<li>Own funds scaling plan for volume growth<\/li>\n<\/ul>\n<\/div>\n<div style=\"background:#f9f9f9;border:1px solid #e0e0e0;border-radius:8px;padding:16px 18px;\">\n<div style=\"font-size:13px;font-weight:700;color:#d0252d;margin-bottom:10px;\"><i class=\"fas fa-shield-alt\" style=\"margin-right:6px;\"><\/i>AML\/CFT Framework<\/div>\n<ul style=\"margin:0;padding-left:16px;font-size:13px;color:#333;line-height:1.8;\">\n<li>AML\/CFT policy and procedures<\/li>\n<li>Client risk scoring algorithm (KYC matrix)<\/li>\n<li>Ongoing monitoring procedure<\/li>\n<li>Sanctions screening implementation<\/li>\n<li>Internal investigation procedures<\/li>\n<li>KYC questionnaire forms and MLRO appointment<\/li>\n<\/ul>\n<\/div>\n<div style=\"background:#f9f9f9;border:1px solid #e0e0e0;border-radius:8px;padding:16px 18px;\">\n<div style=\"font-size:13px;font-weight:700;color:#d0252d;margin-bottom:10px;\"><i class=\"fas fa-users\" style=\"margin-right:6px;\"><\/i>Investor Protection<\/div>\n<ul style=\"margin:0;padding-left:16px;font-size:13px;color:#333;line-height:1.8;\">\n<li>Investor suitability assessment procedure<\/li>\n<li>Entry knowledge test for non-sophisticated investors<\/li>\n<li>Loss simulation procedure (ECSPR Art. 21)<\/li>\n<li>KIIS policy and project sheet templates<\/li>\n<li>Creditworthiness assessment policy (loan-based)<\/li>\n<li>Complaint and conflict of interest management policies<\/li>\n<\/ul>\n<\/div>\n<div style=\"background:#f9f9f9;border:1px solid #e0e0e0;border-radius:8px;padding:16px 18px;\">\n<div style=\"font-size:13px;font-weight:700;color:#d0252d;margin-bottom:10px;\"><i class=\"fas fa-laptop\" style=\"margin-right:6px;\"><\/i>IT, Security &amp; Continuity<\/div>\n<ul style=\"margin:0;padding-left:16px;font-size:13px;color:#333;line-height:1.8;\">\n<li>Detailed IT architecture description<\/li>\n<li>Information security policy (CISO-level)<\/li>\n<li>Business continuity policy and BCP<\/li>\n<li>Operational impact analysis<\/li>\n<li>Data retention policy and GDPR framework<\/li>\n<li>Risk management and operational risk policies<\/li>\n<\/ul>\n<\/div>\n<div style=\"background:#f9f9f9;border:1px solid #e0e0e0;border-radius:8px;padding:16px 18px;\">\n<div style=\"font-size:13px;font-weight:700;color:#d0252d;margin-bottom:10px;\"><i class=\"fas fa-hands-helping\" style=\"margin-right:6px;\"><\/i>Platform-Specific Requirements<\/div>\n<ul style=\"margin:0;padding-left:16px;font-size:13px;color:#333;line-height:1.8;\">\n<li>Backup servicer arrangement (mandatory under ECSPR)<\/li>\n<li>Default rate calculation methodology (loan-based)<\/li>\n<li>Project owner creditworthiness policy<\/li>\n<li>Internal rules preventing own-platform conflicts<\/li>\n<li>Draft agreements with key external providers<\/li>\n<\/ul>\n<\/div>\n<\/div>\n<p>[\/vc_column_text][\/vc_column][\/vc_row]<br \/>\n[vc_row rt_row_background_width=&#8221;fullwidth&#8221; 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size=&#8221;lg&#8221; custom_color=&#8221;#d0252d&#8221;][\/vc_column_inner][vc_column_inner width=&#8221;5\/12&#8243; rt_col_paddings=&#8221;true&#8221; rt_wrp_col_paddings=&#8221;false&#8221; rt_column_shadow=&#8221;&#8221; rt_border_top=&#8221;&#8221; rt_border_bottom=&#8221;&#8221; rt_border_left=&#8221;&#8221; rt_border_right=&#8221;&#8221; rt_border_top_mobile=&#8221;&#8221; rt_border_bottom_mobile=&#8221;&#8221; rt_border_left_mobile=&#8221;&#8221; rt_border_right_mobile=&#8221;&#8221; rt_bg_image_repeat=&#8221;repeat&#8221; rt_bg_size=&#8221;auto auto&#8221; rt_bg_position=&#8221;right top&#8221; rt_bg_attachment=&#8221;scroll&#8221;][vc_column_text]<\/p>\n<h4>1. Assessment &amp; Business Model Review<\/h4>\n<p>We evaluate your platform model (loan-based, equity-based or hybrid), determine the optimal jurisdiction from Lithuania, Latvia or Estonia, and confirm ECSPR eligibility. We produce a written readiness opinion covering governance, capital, AML and investor protection requirements, with a clear project roadmap and document checklist.[\/vc_column_text][\/vc_column_inner][vc_column_inner width=&#8221;1\/12&#8243; rt_col_paddings=&#8221;true&#8221; rt_wrp_col_paddings=&#8221;false&#8221; rt_column_shadow=&#8221;&#8221; rt_border_top=&#8221;&#8221; rt_border_bottom=&#8221;&#8221; rt_border_left=&#8221;&#8221; rt_border_right=&#8221;&#8221; rt_border_top_mobile=&#8221;&#8221; rt_border_bottom_mobile=&#8221;&#8221; rt_border_left_mobile=&#8221;&#8221; rt_border_right_mobile=&#8221;&#8221; rt_bg_image_repeat=&#8221;repeat&#8221; rt_bg_size=&#8221;auto auto&#8221; rt_bg_position=&#8221;right top&#8221; rt_bg_attachment=&#8221;scroll&#8221;][vc_icon icon_fontawesome=&#8221;fas fa-building&#8221; color=&#8221;custom&#8221; size=&#8221;lg&#8221; custom_color=&#8221;#d0252d&#8221;][\/vc_column_inner][vc_column_inner width=&#8221;5\/12&#8243; rt_col_paddings=&#8221;true&#8221; rt_wrp_col_paddings=&#8221;false&#8221; rt_column_shadow=&#8221;&#8221; rt_border_top=&#8221;&#8221; rt_border_bottom=&#8221;&#8221; rt_border_left=&#8221;&#8221; rt_border_right=&#8221;&#8221; rt_border_top_mobile=&#8221;&#8221; rt_border_bottom_mobile=&#8221;&#8221; rt_border_left_mobile=&#8221;&#8221; rt_border_right_mobile=&#8221;&#8221; rt_bg_image_repeat=&#8221;repeat&#8221; rt_bg_size=&#8221;auto auto&#8221; rt_bg_position=&#8221;right top&#8221; rt_bg_attachment=&#8221;scroll&#8221;][vc_column_text]<\/p>\n<h4>2. Company Formation &amp; Capital Setup<\/h4>\n<p>We incorporate your CSP entity in the chosen jurisdiction, arrange the registered office and local directorship, and coordinate the initial \u20ac25,000 own funds injection into a designated EU credit institution account. Shareholder and management questionnaires are prepared and reviewed before submission.[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_row_inner rt_row_style=&#8221;global-style&#8221; rt_column_gaps=&#8221;&#8221; rt_row_paddings=&#8221;true&#8221; rt_bg_effect=&#8221;classic&#8221; rt_transparent_bg=&#8221;false&#8221; rt_bg_image_repeat=&#8221;repeat&#8221; rt_bg_size=&#8221;cover&#8221; rt_bg_position=&#8221;right top&#8221; rt_bg_attachment=&#8221;scroll&#8221; rt_bg_layer=&#8221;&#8221; class=&#8221;icons_row_center&#8221; rt_padding_bottom=&#8221;10&#8243; rt_padding_top=&#8221;10&#8243;][vc_column_inner width=&#8221;1\/12&#8243; rt_col_paddings=&#8221;true&#8221; rt_wrp_col_paddings=&#8221;false&#8221; rt_column_shadow=&#8221;&#8221; rt_border_top=&#8221;&#8221; rt_border_bottom=&#8221;&#8221; rt_border_left=&#8221;&#8221; rt_border_right=&#8221;&#8221; rt_border_top_mobile=&#8221;&#8221; rt_border_bottom_mobile=&#8221;&#8221; rt_border_left_mobile=&#8221;&#8221; rt_border_right_mobile=&#8221;&#8221; rt_bg_image_repeat=&#8221;repeat&#8221; rt_bg_size=&#8221;auto auto&#8221; rt_bg_position=&#8221;right top&#8221; rt_bg_attachment=&#8221;scroll&#8221;][vc_icon icon_fontawesome=&#8221;fas fa-file-alt&#8221; color=&#8221;custom&#8221; size=&#8221;lg&#8221; custom_color=&#8221;#d0252d&#8221;][\/vc_column_inner][vc_column_inner width=&#8221;5\/12&#8243; rt_col_paddings=&#8221;true&#8221; rt_wrp_col_paddings=&#8221;false&#8221; rt_column_shadow=&#8221;&#8221; rt_border_top=&#8221;&#8221; rt_border_bottom=&#8221;&#8221; rt_border_left=&#8221;&#8221; rt_border_right=&#8221;&#8221; rt_border_top_mobile=&#8221;&#8221; rt_border_bottom_mobile=&#8221;&#8221; rt_border_left_mobile=&#8221;&#8221; rt_border_right_mobile=&#8221;&#8221; rt_bg_image_repeat=&#8221;repeat&#8221; rt_bg_size=&#8221;auto auto&#8221; rt_bg_position=&#8221;right top&#8221; rt_bg_attachment=&#8221;scroll&#8221;][vc_column_text]<\/p>\n<h4>3. Application Preparation &amp; NCA Submission<\/h4>\n<p>Our legal team prepares all 20+ required documents: programme of operations, business plan, AML\/CFT policies, KIIS framework, investor suitability procedures, backup servicer arrangement, IT security description and all governance policies. We coordinate the pre-application NCA meeting, file the completed application and manage all information requests through to authorisation.[\/vc_column_text][\/vc_column_inner][vc_column_inner width=&#8221;1\/12&#8243; rt_col_paddings=&#8221;true&#8221; rt_wrp_col_paddings=&#8221;false&#8221; rt_column_shadow=&#8221;&#8221; rt_border_top=&#8221;&#8221; rt_border_bottom=&#8221;&#8221; rt_border_left=&#8221;&#8221; rt_border_right=&#8221;&#8221; rt_border_top_mobile=&#8221;&#8221; rt_border_bottom_mobile=&#8221;&#8221; rt_border_left_mobile=&#8221;&#8221; rt_border_right_mobile=&#8221;&#8221; rt_bg_image_repeat=&#8221;repeat&#8221; rt_bg_size=&#8221;auto auto&#8221; rt_bg_position=&#8221;right top&#8221; rt_bg_attachment=&#8221;scroll&#8221;][vc_icon icon_fontawesome=&#8221;fas fa-users-cog&#8221; color=&#8221;custom&#8221; size=&#8221;lg&#8221; custom_color=&#8221;#d0252d&#8221;][\/vc_column_inner][vc_column_inner width=&#8221;5\/12&#8243; rt_col_paddings=&#8221;true&#8221; rt_wrp_col_paddings=&#8221;false&#8221; rt_column_shadow=&#8221;&#8221; rt_border_top=&#8221;&#8221; rt_border_bottom=&#8221;&#8221; rt_border_left=&#8221;&#8221; rt_border_right=&#8221;&#8221; rt_border_top_mobile=&#8221;&#8221; rt_border_bottom_mobile=&#8221;&#8221; rt_border_left_mobile=&#8221;&#8221; rt_border_right_mobile=&#8221;&#8221; rt_bg_image_repeat=&#8221;repeat&#8221; rt_bg_size=&#8221;auto auto&#8221; rt_bg_position=&#8221;right top&#8221; rt_bg_attachment=&#8221;scroll&#8221;][vc_column_text]<\/p>\n<h4>4. Authorisation &amp; Ongoing Compliance<\/h4>\n<p>Once the NCA grants authorisation, your platform is added to the ESMA public register and passporting notifications are filed with target EU member state NCAs. We provide ongoing support including MLRO outsourcing, AML\/CFT reporting, KIIS compliance and annual supervisory obligation management.[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_btn title=&#8221;Contact us for a Free Assessment &raquo;&#8221; style=&#8221;outline-custom&#8221; outline_custom_color=&#8221;#d0252d&#8221; outline_custom_hover_background=&#8221;#d0252d&#8221; outline_custom_hover_text=&#8221;#ffffff&#8221; size=&#8221;lg&#8221; align=&#8221;center&#8221; i_icon_fontawesome=&#8221;far fa-envelope&#8221; add_icon=&#8221;true&#8221; link=&#8221;url:%23contact&#8221; css=&#8221;.vc_custom_1764521622929{margin-top: 20px !important;margin-bottom: 0px !important;}&#8221;][\/vc_column][\/vc_row]<br \/>\n[vc_row rt_row_background_width=&#8221;fullwidth&#8221; rt_row_content_width=&#8221;default&#8221; rt_row_style=&#8221;default-style&#8221; rt_row_height=&#8221;&#8221; rt_column_gaps=&#8221;&#8221; rt_row_shadows=&#8221;&#8221; rt_row_paddings=&#8221;true&#8221; rt_row_borders=&#8221;&#8221; rt_bg_effect=&#8221;classic&#8221; rt_transparent_bg=&#8221;false&#8221; rt_bg_image_repeat=&#8221;repeat&#8221; rt_bg_size=&#8221;cover&#8221; rt_bg_position=&#8221;right top&#8221; rt_bg_attachment=&#8221;scroll&#8221; rt_bg_layer=&#8221;&#8221; rt_bg_video_format=&#8221;self-hosted&#8221; rt_margin_top=&#8221;0&#8243; rt_bg_image=&#8221;36245&#8243;][vc_column rt_col_paddings=&#8221;true&#8221; rt_wrp_col_paddings=&#8221;false&#8221; rt_column_shadow=&#8221;&#8221; rt_border_top=&#8221;&#8221; rt_border_bottom=&#8221;&#8221; rt_border_left=&#8221;&#8221; rt_border_right=&#8221;true&#8221; rt_bg_image_repeat=&#8221;repeat&#8221; rt_bg_size=&#8221;auto auto&#8221; rt_bg_position=&#8221;right top&#8221; rt_bg_attachment=&#8221;scroll&#8221; rt_bg_color=&#8221;&#8221; rt_bg_overlay_color=&#8221;&#8221;]<div class=\"rt_heading_wrapper style-7\">\n\t\t\t\t\t\t<h2 class=\"rt_heading style-7 aligncenter\"  style=\"margin-top:0px;\"><span class=\"icon-ava-question heading_icon\"><\/span>Frequently Asked Questions<\/h2>\n\t\t\t\t\t<\/div>[\/vc_column][\/vc_row]<br \/>\n[vc_row rt_row_background_width=&#8221;fullwidth&#8221; rt_row_content_width=&#8221;default&#8221; rt_row_style=&#8221;default-style&#8221; rt_row_height=&#8221;&#8221; rt_column_gaps=&#8221;&#8221; rt_row_shadows=&#8221;&#8221; rt_row_paddings=&#8221;true&#8221; rt_row_borders=&#8221;bottom&#8221; rt_bg_effect=&#8221;classic&#8221; rt_transparent_bg=&#8221;false&#8221; rt_bg_image_repeat=&#8221;repeat&#8221; rt_bg_size=&#8221;cover&#8221; rt_bg_position=&#8221;right top&#8221; rt_bg_attachment=&#8221;scroll&#8221; rt_bg_layer=&#8221;&#8221; rt_bg_video_format=&#8221;self-hosted&#8221; rt_row_borders=&#8221;bottom&#8221; rt_padding_bottom=&#8221;7&#8243; class=&#8221;faq-compact&#8221;][vc_column width=&#8221;1\/2&#8243; rt_col_paddings=&#8221;true&#8221; rt_wrp_col_paddings=&#8221;false&#8221; rt_column_shadow=&#8221;&#8221; rt_border_top=&#8221;&#8221; rt_border_bottom=&#8221;&#8221; rt_border_left=&#8221;&#8221; rt_border_right=&#8221;true&#8221; rt_bg_image_repeat=&#8221;repeat&#8221; rt_bg_size=&#8221;auto auto&#8221; rt_bg_position=&#8221;right top&#8221; rt_bg_attachment=&#8221;scroll&#8221; rt_bg_color=&#8221;&#8221; rt_bg_overlay_color=&#8221;&#8221;]<br \/>\n[vc_column_text]<br \/>\n[vc_toggle title=&#8221;What is an ECSPR crowdfunding service provider licence?&#8221; el_id=&#8221;cf-faq1&#8243;]An ECSPR licence (under Regulation EU 2020\/1503) authorizes your company to operate a digital crowdfunding platform connecting investors or lenders with businesses seeking capital. It covers both loan-based crowdfunding (facilitating loans with repayment schedules) and equity-based crowdfunding (facilitating securities offerings). The ECSPR licence covers platforms incorporated in any EU member state, replacing all prior national crowdfunding regimes with a unified EU-wide framework supervised by ESMA. The ESMA public register lists all authorised providers.[\/vc_toggle][vc_toggle title=&#8221;What services does an ECSPR licence cover?&#8221; el_id=&#8221;cf-faq2&#8243;]An ECSPR licence covers: (1) facilitation of loan-based crowdfunding where investors lend to project owners with agreed repayment terms; (2) facilitation of investment-based crowdfunding where investors acquire shares, bonds or other transferable securities. It does not cover payment processing, e-money issuance or consumer lending. If your platform also needs to manage client payment accounts or issue e-money, a PI or EMI licence must be obtained separately.[\/vc_toggle][vc_toggle title=&#8221;What is the minimum capital for a crowdfunding licence?&#8221; el_id=&#8221;cf-faq3&#8243;]The ECSPR sets a minimum own funds requirement of \u20ac25,000 at authorisation, the same across Lithuania, Latvia and Estonia. As your platform grows, own funds must scale: once outstanding loans exceed \u20ac5 million, additional own funds of 0.5% of the excess are required, capped at \u20ac5 million additional. Alternatively, professional indemnity insurance of equivalent coverage may be used.[\/vc_toggle][vc_toggle title=&#8221;What is the project offer cap under ECSPR?&#8221; el_id=&#8221;cf-faq4&#8243;]ECSPR sets a maximum of \u20ac5 million per project owner per 12-month period, applied cumulatively across all crowdfunding platforms. Offers above \u20ac5 million require a prospectus under the EU Prospectus Regulation and fall outside the ECSPR framework. Project owners must provide a Key Investment Information Sheet (KIIS) for each offer. <a href=\"#contact\">Contact us<\/a> for advice on structuring offers within the regulatory cap.[\/vc_toggle][vc_toggle title=&#8221;What is a Key Investment Information Sheet (KIIS)?&#8221; el_id=&#8221;cf-faq5&#8243;]A KIIS is a mandatory standardised disclosure document published for every crowdfunding offer, setting out the key terms, risks, project owner&#8217;s financial position, fees and investor rights. ECSPR and its delegated regulations specify the exact format. Your KIIS policy and template forms part of the licence application. Providing incomplete or misleading KIIS information is a regulatory breach subject to NCA sanction.[\/vc_toggle][vc_toggle title=&#8221;What is a backup servicer arrangement and why is it required?&#8221; el_id=&#8221;cf-faq6&#8243;]ECSPR Article 12 requires platforms to have a business continuity plan including a backup servicer arrangement: a contractual agreement with a third party to administer outstanding loans and investments if the original platform ceases operations. This protects investors in the event of platform insolvency. The arrangement must be in place before authorisation is granted and is reviewed by the NCA. <a href=\"#contact\">Contact us<\/a> for assistance identifying suitable backup servicer partners.[\/vc_toggle]<br \/>\n[\/vc_column_text]<br \/>\n[\/vc_column][vc_column width=&#8221;1\/2&#8243; rt_col_paddings=&#8221;true&#8221; rt_wrp_col_paddings=&#8221;false&#8221; rt_column_shadow=&#8221;&#8221; rt_border_top=&#8221;&#8221; rt_border_bottom=&#8221;&#8221; rt_border_left=&#8221;&#8221; rt_border_right=&#8221;&#8221; rt_bg_image_repeat=&#8221;repeat&#8221; rt_bg_size=&#8221;auto auto&#8221; rt_bg_position=&#8221;right top&#8221; rt_bg_attachment=&#8221;scroll&#8221; rt_bg_color=&#8221;&#8221; rt_bg_overlay_color=&#8221;&#8221;]<br \/>\n[vc_column_text]<br \/>\n[vc_toggle title=&#8221;How long does the ECSPR authorisation process take?&#8221; el_id=&#8221;cf-faq7&#8243;]Under ECSPR, the NCA has 3 months to decide on a complete application. The completeness check takes up to 25 working days. In practice the full process from engagement to authorisation typically runs 4-5 months: 4-6 weeks for preparation and company formation, 3 weeks for the pre-application meeting and final submission, and 2-3 months for NCA review. Lithuania and Latvia tend to be slightly faster than Estonia based on current NCA track records.[\/vc_toggle][vc_toggle title=&#8221;What are the application fees in each jurisdiction?&#8221; el_id=&#8221;cf-faq8&#8243;]State application fees differ by jurisdiction: Lithuania charges a \u20ac710 state fee paid before submission; Latvia charges \u20ac2,500 payable to Latvijas Banka on submission; Estonia charges \u20ac1,000 payable to Finantsinspektsioon. Annual supervisory fees apply after authorisation: Latvia charges \u20ac4,000 per year plus up to 1.4% of gross revenue (capped at \u20ac100,000). Lithuania and Estonia charge volume-based annual fees. <a href=\"#contact\">Contact us<\/a> for a full cost breakdown.[\/vc_toggle][vc_toggle title=&#8221;What governance does a crowdfunding platform require?&#8221; el_id=&#8221;cf-faq9&#8243;]Your platform must have at minimum a CEO and an MLRO. A Management Board of at least 3 members is recommended. All managers and shareholders holding 20% or more of voting rights are subject to a fitness and propriety assessment. Key personnel including CFO, CTO, CISO and CCO are also reviewed. All persons must demonstrate good repute, relevant qualifications and no adverse regulatory or criminal history.[\/vc_toggle][vc_toggle title=&#8221;Do I need investor suitability testing on my platform?&#8221; el_id=&#8221;cf-faq10&#8243;]Yes. ECSPR requires platforms to assess non-sophisticated investors before they participate in crowdfunding offers. The entry knowledge test assesses understanding of crowdfunding risks. Platforms must also simulate the ability to bear loss for each investor. Sophisticated investors are exempt but must self-certify. Your investor suitability framework must be documented as part of the licence application.[\/vc_toggle][vc_toggle title=&#8221;Can I operate a crowdfunding platform without a licence?&#8221; el_id=&#8221;cf-faq11&#8243;]No. Under ECSPR, all crowdfunding service providers operating in the EU must hold authorisation from their home-state NCA. Operating without authorisation is a regulatory breach subject to fines, business suspension and reputational damage. The transitional period for platforms under prior national regimes ended in November 2023. The ESMA public register lists all currently authorised providers. <a href=\"#contact\">Contact us<\/a> to assess your current status and fastest path to authorisation.[\/vc_toggle][vc_toggle title=&#8221;What ongoing compliance is required after authorisation?&#8221; el_id=&#8221;cf-faq12&#8243;]Authorised CSPs must maintain an active MLRO and compliance function, submit quarterly and annual prudential and AML\/CFT reports to the NCA, publish a KIIS for every new crowdfunding offer, conduct annual investor suitability reviews and maintain an up-to-date AML\/CFT risk assessment. Any material changes to business model, key personnel or ownership require prior NCA notification. Own funds must be monitored and scaled with loan volume. We provide ongoing compliance support and reporting assistance post-authorisation.[\/vc_toggle]<br \/>\n[\/vc_column_text]<br \/>\n[\/vc_column][\/vc_row]<br \/>\n[vc_row rt_row_background_width=&#8221;fullwidth&#8221; rt_row_content_width=&#8221;default&#8221; rt_row_style=&#8221;default-style&#8221; rt_row_height=&#8221;&#8221; rt_column_gaps=&#8221;&#8221; rt_row_shadows=&#8221;&#8221; rt_row_paddings=&#8221;true&#8221; rt_row_borders=&#8221;&#8221; rt_bg_effect=&#8221;classic&#8221; rt_transparent_bg=&#8221;false&#8221; rt_bg_image_repeat=&#8221;repeat&#8221; rt_bg_size=&#8221;cover&#8221; rt_bg_position=&#8221;right top&#8221; rt_bg_attachment=&#8221;scroll&#8221; rt_bg_layer=&#8221;&#8221; rt_bg_video_format=&#8221;self-hosted&#8221; rt_margin_top=&#8221;0&#8243; rt_bg_image=&#8221;36245&#8243;][vc_column rt_col_paddings=&#8221;true&#8221; rt_wrp_col_paddings=&#8221;false&#8221; rt_column_shadow=&#8221;&#8221; rt_border_top=&#8221;&#8221; rt_border_bottom=&#8221;&#8221; rt_border_left=&#8221;&#8221; rt_border_right=&#8221;true&#8221; rt_bg_image_repeat=&#8221;repeat&#8221; rt_bg_size=&#8221;auto auto&#8221; rt_bg_position=&#8221;right top&#8221; rt_bg_attachment=&#8221;scroll&#8221; rt_bg_color=&#8221;&#8221; rt_bg_overlay_color=&#8221;&#8221;]<div class=\"rt_heading_wrapper style-7\">\n\t\t\t\t\t\t<h2 class=\"rt_heading style-7 aligncenter\"  style=\"margin-top:0px;\"><span class=\"icon-mail heading_icon\"><\/span>Start Your EU Crowdfunding Licensing Project<\/h2>\n\t\t\t\t\t<\/div>[\/vc_column][\/vc_row]<br \/>\n[vc_row id=&#8221;contact&#8221; rt_row_background_width=&#8221;fullwidth&#8221; rt_row_content_width=&#8221;default&#8221; rt_row_style=&#8221;default-style&#8221; rt_row_height=&#8221;&#8221; rt_column_gaps=&#8221;&#8221; rt_row_shadows=&#8221;&#8221; rt_row_paddings=&#8221;true&#8221; rt_row_borders=&#8221;&#8221; rt_bg_effect=&#8221;classic&#8221; rt_transparent_bg=&#8221;false&#8221; rt_bg_image_repeat=&#8221;repeat&#8221; rt_bg_size=&#8221;cover&#8221; rt_bg_position=&#8221;right top&#8221; rt_bg_attachment=&#8221;scroll&#8221; rt_bg_layer=&#8221;&#8221; rt_bg_video_format=&#8221;self-hosted&#8221; rt_padding_top=&#8221;10&#8243; rt_padding_bottom=&#8221;10&#8243;][vc_column width=&#8221;2\/3&#8243; rt_col_paddings=&#8221;true&#8221; rt_wrp_col_paddings=&#8221;false&#8221; rt_column_shadow=&#8221;&#8221; rt_border_top=&#8221;&#8221; rt_border_bottom=&#8221;&#8221; rt_border_left=&#8221;&#8221; rt_border_right=&#8221;true&#8221; rt_bg_image_repeat=&#8221;repeat&#8221; rt_bg_size=&#8221;auto auto&#8221; rt_bg_position=&#8221;right top&#8221; rt_bg_attachment=&#8221;scroll&#8221; rt_bg_color=&#8221;&#8221; rt_bg_overlay_color=&#8221;&#8221;]<div class=\"rt_heading_wrapper style-1\">\n\t\t\t\t\t\t<h2 class=\"rt_heading style-1\"  style=\"margin-top:0px;\">Get in Touch With Our EU Crowdfunding Team<\/h2>\n\t\t\t\t\t<\/div>[vc_column_text]<\/p>\n<p style=\"text-align:justify;margin-bottom:14px;\">Contact us through the form below or use any of our direct channels to discuss your EU crowdfunding licensing project. <strong>Every project we handle is backed by our team&#8217;s hands-on expertise across all three jurisdictions and a thorough process, ensuring all ECSPR requirements are addressed before NCA submission.<\/strong> Share your business model, preferred jurisdiction and planned services and we will respond with an initial project review.<\/p>\n<p>[\/vc_column_text]\n<div class=\"wpcf7 no-js\" id=\"wpcf7-f36490-o1\" lang=\"en-US\" dir=\"ltr\" data-wpcf7-id=\"36490\">\n<div class=\"screen-reader-response\"><p role=\"status\" aria-live=\"polite\" aria-atomic=\"true\"><\/p> <ul><\/ul><\/div>\n<form action=\"\/eng\/wp-json\/wp\/v2\/pages\/38641#wpcf7-f36490-o1\" method=\"post\" class=\"wpcf7-form init\" aria-label=\"Contact form\" novalidate=\"novalidate\" data-status=\"init\">\n<fieldset class=\"hidden-fields-container\"><input type=\"hidden\" name=\"_wpcf7\" value=\"36490\" \/><input type=\"hidden\" name=\"_wpcf7_version\" value=\"6.1.4\" \/><input type=\"hidden\" name=\"_wpcf7_locale\" value=\"en_US\" \/><input type=\"hidden\" name=\"_wpcf7_unit_tag\" value=\"wpcf7-f36490-o1\" \/><input type=\"hidden\" name=\"_wpcf7_container_post\" value=\"0\" \/><input type=\"hidden\" name=\"_wpcf7_posted_data_hash\" value=\"\" \/><input type=\"hidden\" name=\"_wpcf7_recaptcha_response\" value=\"\" \/>\n<\/fieldset>\n<div class=\"rt_form\">\n\t<ul>\n\t\t<li class=\"form-input\">\n\t\t\t<p><label><span class=\"wpcf7-form-control-wrap\" data-name=\"yourname\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text\" aria-invalid=\"false\" placeholder=\"Your name *\" value=\"\" type=\"text\" name=\"yourname\" \/><\/span> <\/label>\n\t\t\t<\/p>\n\t\t<\/li>\n\t\t<li class=\"form-input\">\n\t\t\t<p><label> <span class=\"wpcf7-form-control-wrap\" data-name=\"email\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-email wpcf7-validates-as-required wpcf7-text wpcf7-validates-as-email\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Email *\" value=\"\" type=\"email\" name=\"email\" \/><\/span><\/label>\n\t\t\t<\/p>\n\t\t<\/li>\n\t\t<li class=\"form-input\">\n\t\t\t<p><label> <span class=\"wpcf7-form-control-wrap\" data-name=\"telephone\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text\" aria-invalid=\"false\" placeholder=\"Telephone\" value=\"\" type=\"text\" name=\"telephone\" \/><\/span><\/label>\n\t\t\t<\/p>\n\t\t<\/li>\n\t\t<li class=\"form-input\">\n\t\t\t<p><label> <span class=\"wpcf7-form-control-wrap\" data-name=\"message\"><textarea cols=\"2\" rows=\"5\" maxlength=\"2000\" class=\"wpcf7-form-control wpcf7-textarea wpcf7-validates-as-required\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Your message *\" name=\"message\"><\/textarea><\/span><\/label>\n\t\t\t<\/p>\n\t\t<\/li>\n\t\t<li class=\"submit-button\">\n\t\t\t<p><input class=\"wpcf7-form-control wpcf7-submit has-spinner\" type=\"submit\" value=\"SEND NOW \u00bb\" \/>\n\t\t\t<\/p>\n\t\t<\/li>\n\t<\/ul>\n<\/div><div class=\"wpcf7-response-output\" aria-hidden=\"true\"><\/div>\n<\/form>\n<\/div>\n<p style=\"font-size:11px;color:#999;margin-top:0;line-height:1.6;\">By submitting this form you agree to our <a href=\"https:\/\/www.maxcorp.eu\/eng\/privacy-policy\/\" target=\"_blank\" rel=\"noopener\" style=\"color:#999;\">Privacy Policy<\/a>. Your personal data is processed solely for the purpose of responding to your enquiry and will not be shared with third parties. You have the right to access, correct or delete your data at any time.<\/p>\n<p>[\/vc_column][vc_column width=&#8221;1\/3&#8243; rt_col_paddings=&#8221;true&#8221; rt_wrp_col_paddings=&#8221;false&#8221; rt_column_shadow=&#8221;&#8221; rt_border_top=&#8221;&#8221; rt_border_bottom=&#8221;&#8221; rt_border_left=&#8221;&#8221; rt_border_right=&#8221;&#8221; rt_bg_image_repeat=&#8221;repeat&#8221; rt_bg_size=&#8221;auto auto&#8221; rt_bg_position=&#8221;right top&#8221; rt_bg_attachment=&#8221;scroll&#8221; rt_bg_color=&#8221;&#8221; rt_bg_overlay_color=&#8221;&#8221;]<div class=\"rt_heading_wrapper style-3\">\n\t\t\t\t\t\t<h3 class=\"rt_heading style-3\" ><span class=\"icon-mail heading_icon\"><\/span>Contact details<\/h3>\n\t\t\t\t\t<\/div>[vc_column_text css=&#8221;.vc_custom_1748200021{margin-bottom: 15px !important;}&#8221;]Contact us to discuss your EU crowdfunding licensing project with our team or to arrange an online meeting.[\/vc_column_text][vc_btn title=&#8221;Book a Meeting at Calendly &raquo;&#8221; style=&#8221;custom&#8221; custom_background=&#8221;#d0252d&#8221; custom_text=&#8221;#ffffff&#8221; i_icon_fontawesome=&#8221;far fa-calendar-alt&#8221; add_icon=&#8221;true&#8221; link=&#8221;url:https%3A%2F%2Fcalendly.com%2Fmaxcorp%2F30min||target:%20_blank&#8221;]\t \n\t\t<div  class=\"with_icons style-4 \">\n\t\t\t \n\t\t<div  >\n\t\t<span class=\"icon-chat-empty icon\"><\/span><div class=\"list-content\"><p><a href=\"https:\/\/api.whatsapp.com\/send?phone=3725043245&amp;text=Hello%2C%20I%20am%20interested%20in%20EU%20Crowdfunding%20licensing\" target=\"_blank\" rel=\"noopener noreferrer\">WhatsApp message us<\/a><\/p>\n<\/div>\n\t\t<\/div>\n\t\t \n\t\t<div  >\n\t\t<span class=\"icon-telegram-logo icon\"><\/span><div class=\"list-content\"><p><a href=\"https:\/\/t.me\/maxcorp_eu\" target=\"_blank\" rel=\"noopener\">Telegram message us<\/a><\/p>\n<\/div>\n\t\t<\/div>\n\t\t \n\t\t<div  >\n\t\t<span class=\"icon-mail icon\"><\/span><div class=\"list-content\"><p><a href=\"mailto:fintech@maxcorp.eu\">Email us at fintech@maxcorp.eu<\/a><\/p>\n<\/div>\n\t\t<\/div>\n\t\t \n\t\t<div  >\n\t\t<span class=\"icon-ava-location icon\"><\/span><div class=\"list-content\"><p><a href=\"#contact\" style=\"color:#d0252d;\">Lithuania | Latvia | Estonia<\/a><\/p>\n<\/div>\n\t\t<\/div>\n\t\n\t\t<\/div>\n\t<div class=\"google_map_holder\" data-height=\"300\" data-scope=\"#map-512821\" data-bw=\"yes\">\n\n\t\t\t<div id=\"map-512821\" class=\"google_map\"><\/div>\n\t\t\t<script type=\"text\/javascript\">\n\t\t\t \/* <![CDATA[ *\/ \n\t\t\t\t\/\/ Runs google maps\t\n\t\t\t\t\tjQuery(function() {\n\t\t\t\t\t\tjQuery(\"#map-512821\").rt_maps([[\"Lithuania - Bank of Lithuania\", 54.6872, 25.2797, 4,\"Vilnius, Lithuania\"],[\"Latvia - Latvijas Banka\", 56.9496, 24.1052, 4,\"Riga, Latvia\"],[\"Estonia - Finantsinspektsioon\", 59.4370, 24.7536, 4,\"Tallinn, Estonia\"],],6); \n\t\t\t\t\t});\n\t\t\t\/* ]]> 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