Scoring methodology
Our score out of 100 combines 8 public criteria, normalized on a 0–10 scale and then weighted. Readability first: no opaque ranking.
Weights
Age
Years the platform has been operating. The older it is, the more cycles it has weathered.
Funded volume
Total cumulative amount deployed through the platform since inception.
Investors
Size of the active investor community.
Secondary market
Presence of a resale mechanism before maturity — a key liquidity factor.
Guarantees
Mortgage, surety, pledge, on-demand guarantee, buyback…
Regulation
ECSP (EU), FCA (UK) or equivalent license. Operational safety.
Transparency
Regular publication of default rates, freshness of data.
Cash drag
Average time between deposit and effective deployment of funds. Low cash drag preserves real yield.
Limits & disclaimers
The Crowdscope score is a synthetic indicator for informational purposes. It is neither investment advice nor a recommendation. Past performance is not indicative of future results. Any crowdlending investment carries a risk of partial or total capital loss and an illiquidity risk. Always check the regulatory status (ECSP, AMF) and read the contractual documentation before subscribing.
Last updated: · Reviewed by the Crowdscope editorial team