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

Source page: https://protegra.io/licensing/licences/lending/poland-crowdfunding/

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.

## At a glance

| Official name | Crowdfunding Service Provider authorization under ECSPR (dostawca usług finansowania społecznościowego) [1] |
| --- | --- |
| Issued by | [Polish Financial Supervision Authority](https://protegra.io/licensing/regulators/knf-poland/) |
| Jurisdiction | [Poland](https://protegra.io/licensing/jurisdictions/poland/) |
| Licence family | [Lending / consumer credit](https://protegra.io/licensing/licences/lending/) |
| Legal basis | Regulation (EU) 2020/1503 on European crowdfunding service providers for business [2]; Act on Consumer Credit of 12 May 2011 [3]; Act on Crowdfunding for Business Ventures and Aid to Borrowers of 7 July 2022 [4] |
| Passporting | EU/EEA passport available |
| Annual fee | Up to 0.5% of average 3-year revenue, min EUR 750 [5] |
| Public register | [official register](https://www.knf.gov.pl/podmioty/dostawcy_uslug_finansowania_spolecznosciowego_rejestr) [1] |
| Current holders | 4 [1] |

## What it lets you do

- [Crowdfunding services](https://protegra.io/licensing/activities/crowdfunding/)

- **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 Poland (gold); can be passported to the other EU/EEA states (blue) by notification._

## Cost

_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

- [European Crowdfunding Service Providers Regulation](https://protegra.io/licensing/laws/eu-ecspr-2020-1503/): Regulation (EU) 2020/1503

## Sources

1. [knf.gov.pl: dostawcy uslug finansowania spolecznosciowego rejestr](https://www.knf.gov.pl/podmioty/dostawcy_uslug_finansowania_spolecznosciowego_rejestr): retrieved 2026-09-24
2. [eur-lex.europa.eu: TXT (32020R1503)](https://eur-lex.europa.eu/legal-content/EN/TXT/?uri=CELEX:32020R1503): retrieved 2026-09-24
3. [dziennikustaw.gov.pl: 1028](https://dziennikustaw.gov.pl/DU/2023/1028): retrieved 2026-09-24
4. [dziennikustaw.gov.pl: 414](https://dziennikustaw.gov.pl/DU/2023/414): retrieved 2026-09-24
5. [knf.gov.pl: grupa VII](https://www.knf.gov.pl/dla_rynku/wplaty_pokrycie_kosztow_nadzoru/rynek_kapitalowy/grupa_VII): retrieved 2026-09-24
6. [knf.gov.pl: zezwolenie rozpatrywanie wniosku](https://www.knf.gov.pl/dla_rynku/procesy_licencyjne/platniczy/krajowe_instytucje_platnicze/zezwolenie_rozpatrywanie_wniosku): retrieved 2026-09-24

Last verified 2026-09-24 · Author: Danil Marmysh · Reviewed by Anastasia Sidorenkova · © Protegra. Data: CC BY 4.0, cite "Protegra Licensing Atlas". Not legal advice.