Why Launch a Crowdfunding Platform in Spain?
Spain is one of Europe’s most fintech-forward countries, with a growing appetite for alternative finance—especially among startups, real estate developers, and green energy investors.
📊 The Spanish crowdfunding market includes:
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Equity crowdfunding (startups and SMEs)
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Lending-based crowdfunding (P2P loans)
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Real estate crowdfunding
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Donation and reward-based crowdfunding
At Borderless Lawyers, we help you build and license a fully legal, scalable crowdfunding platform in Spain that complies with EU Regulation 2020/1503 and local financial laws.
🧾 Regulatory Framework for Crowdfunding in Spain
🔍 Key Regulations:
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EU Crowdfunding Regulation 2020/1503 (uniform across EU since Nov 2021)
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Supervision by CNMV (Comisión Nacional del Mercado de Valores)
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AML and investor protection laws
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Spanish Corporate Law and Fintech Licensing Framework
📌 Platforms targeting EU investors must have a Crowdfunding Service Provider (CSP) license and follow specific compliance rules.
🛠 Steps to Create a Crowdfunding Company in Spain
1. 🧠 Business Model Definition
Decide on:
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Platform type: equity, lending, real estate, or donation-based
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User profile: startups, property developers, or community projects
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Revenue streams: platform fees, success fees, investor commissions
🎯 We help you assess regulatory fit and commercial viability before setup.
2. 🏢 Company Formation
Most platforms are structured as:
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SL (Sociedad Limitada) – minimum €3,000 share capital
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SA (Sociedad Anónima) – for public offerings or scaling across the EU
✅ We handle incorporation, shareholder agreements, and director registrations.
3. 📋 CNMV Licensing as a CSP
Requirements include:
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Application dossier with business plan, risk protocols, governance structure
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Minimum capital:
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€25,000 for initial CSP license
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€50,000–€200,000 if handling client funds directly
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Technical platform audit and cybersecurity review
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AML/KYC compliance framework
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Appointment of compliance officer
⚖️ CNMV approval takes approximately 3 to 6 months. We manage the full process, including legal representation and communications with the regulator.
4. 🔐 Platform Development & Compliance Integration
Platform must include:
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Risk disclosures and investor education tools
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Investment caps based on investor profile
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Due diligence on listed projects
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Secure payment channels (via authorized payment providers)
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Optional secondary market for equity re-sale
💻 We assist with terms of use, privacy policies, and all legal disclaimers to ensure platform compliance.
5. 🌍 Passporting Across the EU
Once licensed in Spain, your platform can operate in other EU countries without re-licensing.
📈 Perfect for scaling your fintech brand across Europe.
💬 Real-World Example
Case: A Dutch real estate fintech partnered with us to launch a Spanish CSP. We:
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Formed the SL
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Drafted AML policy, investor agreements, and platform terms
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Filed all documents with the CNMV
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Advised on payment flows and digital investor onboarding
The platform now operates across Spain, Portugal, and Italy with EU passporting.
📦 Ongoing Legal & Compliance Support
At Borderless Lawyers, we provide:
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✅ CNMV licensing and platform registration
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✅ AML, GDPR, and fintech compliance
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✅ Investment contracts and loan agreements
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✅ Platform audits and updates
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✅ EU passporting and cross-border compliance
🌐 Multilingual fintech lawyers | 🤖 Tech-savvy legal team | 🔐 Full regulatory support