Equity crowdfunding vs P2P lending

Type

Loan

Shares

Exit

Assured

Unknown

ROI

Determined in advance

Dependent on exit conditions
The possibility of getting benefits
Dependent on loan conditions
Right to dividends
Investment security

Dependent on project and type of collateral

Dependent on project

Impact on investment

Lack
The right to participate in the shareholders’ meeting and the right to vote in proportion to the shares held
Access to information
Dependent on borrower’s decision
The right to information according to the Code of Commercial Companies
Collateral options
Mortgage, guarantee etc…

Lack

In the event of bankruptcy
Order of satisfaction in accordance with bankruptcy law, priority over shareholders’ equity
The last order of satisfying claims