Lending / consumer credit · Spain

European crowdfunding service provider authorization (Spain)

The Proveedor de servicios de financiación participativa / European crowdfunding service provider authorization is issued by National Securities Market Commission (CNMV) 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 27 current holders. Ownership changes need the regulator's approval before completion.

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

At a glance

Official name	European crowdfunding service provider authorization¹
Local name	Proveedor de servicios de financiación participativa
Also known as	ECSP · ECSPR authorisation · Spanish crowdfunding licence · Spanish ECSP licence · Spanish crowdfunding service provider authorisation · PSFP · proveedor de servicios de financiación participativa · CNMV crowdfunding authorisation
Issued by	National Securities Market Commission
Jurisdiction	Spain
Licence family	Lending / consumer credit
Legal basis	Regulation (EU) 2020/1503 on European crowdfunding service providers for business (ECSPR)¹
Passporting	EU/EEA passport available
Public register	official register²
Current holders	27²

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 Spain (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 intending to acquire or increase, directly or indirectly, a qualifying holding reaching or crossing 10%, 20%, 30%, or 50% of capital or voting rights, or to gain control of an ESI, EAF, SGIIC, or CASP, must submit prior written notification to the CNMV under Articles 152-154 of Ley 6/2023 (LMVSI) and MiCA Art. 83. The CNMV assesses acquirer suitability, reputation, financial soundness, and AML/CFT risks within a statutory 60 working days assessment period (interruptible once by up to 20 working days for supplementary filings). Unauthorised acquisitions automatically forfeit voting rights and may trigger administrative intervention or statutory sanctions (Art. 156 LMVSI).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

EUR-Lex: CELEX 32020R1503 · retrieved 2026-09-24
cnmv.es: Listado Proveedores · retrieved 2026-09-24
boe.es: act · retrieved 2026-09-24

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