Lending / consumer credit · Poland

Crowdfunding Service Provider authorization under ECSPR (dostawca usług finansowania społecznościowego) (Poland)

The Crowdfunding Service Provider authorization under ECSPR (dostawca usług finansowania społecznościowego) is issued by Polish Financial Supervision Authority (KNF) 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 4 current holders. Ownership changes need the regulator's approval before completion.

Last verified 2026-09-24Regulator KNFMarkdown · Data (CC BY 4.0)
Crowdfunding Service Provider authorization under ECSPR (dostawca usług finansowania społecznościowego): licenceCredit

At a glance

Official nameCrowdfunding Service Provider authorization under ECSPR (dostawca usług finansowania społecznościowego)1
Issued byPolish Financial Supervision Authority
JurisdictionPoland
Licence familyLending / consumer credit
Legal basisRegulation (EU) 2020/1503 on European crowdfunding service providers for business2
Act on Consumer Credit of 12 May 20113
Act on Crowdfunding for Business Ventures and Aid to Borrowers of 7 July 20224
PassportingEU/EEA passport available
Annual feeUp to 0.5% of average 3-year revenue, min EUR 7505
Public registerofficial register1
Current holders41

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

Poland licence, passportable across the EU/EEAATBEBGHRCYCZDKEEFIFRDEGRHUIEITLVLTLUNLPLPTROSKSIESSEISNOMTLI
Issued in Poland (gold); can be passported to the other EU/EEA states (blue) by notification.

Cost

Cost components, upper bound total EUR 0.5Annual supervisory fee: EUR 0.5
Regulatory costs from the official sources above. Professional fees, staff, office and audit come on top and depend on the business model.

Buying a company that already holds it

Prior notification with an objection period. Acquiring or increasing a qualifying holding needs prior notification to the KNF, which can object within 60 working days (extendable by up to 20 working days while it waits for information). For national payment institutions the thresholds are 20%, 30% and 50% (Payment Services Act, Art. 72a); for banks they are 10%, 20%, one third and 50% (Banking Law, Art. 25). Shares acquired in breach carry no voting rights.6

Laws behind it

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

Sources

  1. knf.gov.pl: dostawcy uslug finansowania spolecznosciowego rejestr · retrieved 2026-09-24
  2. eur-lex.europa.eu: TXT (32020R1503) · retrieved 2026-09-24
  3. dziennikustaw.gov.pl: 1028 · retrieved 2026-09-24
  4. dziennikustaw.gov.pl: 414 · retrieved 2026-09-24
  5. knf.gov.pl: grupa VII · retrieved 2026-09-24
  6. knf.gov.pl: zezwolenie rozpatrywanie wniosku · retrieved 2026-09-24

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