Lending / consumer credit · Cyprus

European Crowdfunding Service Provider authorisation (Cyprus)

The European Crowdfunding Service Provider authorisation is issued by Cyprus Securities and Exchange Commission (CySEC) under Regulation (EU) 2020/1503 on European crowdfunding service providers (ECSPR). It can be passported to the other EU/EEA states by notification. The official register lists 2 current holders. Ownership changes need the regulator's approval before completion.

Last verified 2026-09-24Regulator CySECMarkdown · Data (CC BY 4.0)

At a glance

Official name	European Crowdfunding Service Provider authorisation¹
Also known as	ECSP · ECSPR authorisation · Cyprus crowdfunding licence · Cyprus ECSP licence · Cyprus crowdfunding service provider authorisation · CySEC crowdfunding authorisation
Issued by	Cyprus Securities and Exchange Commission
Jurisdiction	Cyprus
Licence family	Lending / consumer credit
Legal basis	Regulation (EU) 2020/1503 on European crowdfunding service providers for business (ECSPR)²
Passporting	EU/EEA passport available
Public register	official register¹
Current holders	2¹

What it lets you do

Crowdfunding services	Matching business funding interests of investors and project owners through a platform, by facilitating loans or placing securities.

Where it is valid

Issued in Cyprus (gold); can be passported to the other EU/EEA states (blue) by notification.

Buying a company that already holds it

Prior notification with an objection period. Any natural or legal person proposing to acquire or increase, directly or indirectly, a qualifying holding reaching or crossing 10%, 20%, 30%, or 50% in a CIF, AIFM, or CASP, or to achieve control making it a subsidiary, must submit prior written notification to CySEC under Sections 12 and 13 of Law 87(I)/2017 and MiCA Article 83. CySEC acknowledges receipt within two working days and has a statutory assessment period of 60 working days to oppose the acquisition based on reputation, financial soundness, AML risks, and fit-and-proper criteria. The assessment period may be interrupted once by up to 20 working days (or 30 working days for non-EU entities) to request additional information. If CySEC does not object in writing before expiry, the transaction is deemed approved. Closing without CySEC non-opposition suspends voting rights and risks statutory penalties.³

Credit in other countries

Country	Licence	Regulator	Min. capital	Application fee	Statutory time
Australia	Australian credit licence (ACL)	ASIC	n/a	n/a	n/a
Cyprus	European Crowdfunding Service Provider authorisation	CySEC	n/a	n/a	n/a
Czech Republic	Non-bank Consumer Credit Provider licence	CNB	n/a	CZK 50,000	n/a
Czech Republic	Crowdfunding Service Provider authorizationCrowdfunding Service Provider authorization under ECSPR	CNB	n/a	CZK 20,000	~3 mo
Estonia	Operating licence as a credit servicer	FI	n/a	n/a	n/a
Estonia	Operating licence as a creditor	FI	n/a	n/a	n/a
Estonia	Authorisation as a crowdfunding service providerAuthorisation as a crowdfunding service provider under ECSPR	FI	n/a	n/a	n/a
Estonia	Authorisation for operating as a financial institution	FIU	n/a	EUR 3,300	~2.8 mo
Estonia	Operating licence as a credit intermediary	FI	n/a	n/a	n/a
France	European crowdfunding service provider authorization	AMF	n/a	n/a	~3 mo
Ireland	Crowdfunding Service Provider Authorisation (ECSPR)	CBI	n/a	n/a	n/a
Italy	European crowdfunding service provider authorization (ECSPR)	CONSOB	n/a	n/a	~3 mo
Latvia	Crowdfunding service provider authorization	LB	n/a	n/a	n/a
Lithuania	Crowdfunding service provider authorization	LB	n/a	n/a	n/a
Lithuania	Peer-to-peer lending platform operator	LB	n/a	n/a	n/a
Luxembourg	Crowdfunding service provider authorisation	CSSF	n/a	EUR 30,000	n/a
Netherlands	European Crowdfunding Service Provider (ECSPR) authorisationEuropean Crowdfunding Service Provider (ECSPR) authorisation under Regulation (EU) 2020/1503	AFM	n/a	EUR 200	~4.2 mo
Poland	Crowdfunding Service Provider authorizationCrowdfunding Service Provider authorization under ECSPR	KNF	n/a	n/a	n/a
Poland	Lending Institution registration	KNF	n/a	PLN 616	n/a
Slovakia	Crowdfunding service provider authorisationCrowdfunding service provider authorisation under ECSPR	NBS	n/a	n/a	n/a
Spain	European crowdfunding service provider authorization	CNMV	n/a	n/a	n/a
Spain	Specialized lending credit institution authorization	BdE	n/a	n/a	n/a
United Kingdom	Consumer Credit Full Permission Authorisation (Part 4A FSMA)	FCA	n/a	n/a	n/a

Values come from each licence's page, where every figure has its source.

Laws behind it

European Crowdfunding Service Providers Regulation: Regulation (EU) 2020/1503

Last verified 2026-09-24Author Danil Marmysh, Founder & CEO, ProtegraReviewed by Anastasia Sidorenkova, Head of Licensing, ProtegraReport an errorReference information, not legal advice.

Sources

cysec.gov.cy: ΜΗΤΡΩΟ ΠΥΣΧ · retrieved 2026-09-24
EUR-Lex: CELEX 32020R1503 · retrieved 2026-09-24
cylaw.org: full · secondary · retrieved 2026-09-24

Want the Credit licence in Cyprus?

Tell us your business model and target markets. We check the fit before you spend on an application, then handle the licence end to end.

A free preliminary assessment: we check your business model against the licence before you spend on an application. We handle this licence and any other fintech licence, including jurisdictions the Atlas does not cover yet.