Goparity
Impact crowdlending, sustainable projects in Europe and LATAM.
Crowdscope score
Volume
59 M€
Investors
62k
2nd market
No
Auto-invest
Yes
Avg. duration
36 months
Default rate
7.5%
Score breakdown
Each criterion rated from 0 to 10 then weighted.
About Goparity
Overview of the platform, its framework and risk profile.
Goparity is a Portuguese impact finance platform whose mission is to democratize access to sustainable investment. Unlike traditional crowdlending platforms, Goparity connects investors with projects that directly contribute to the United Nations Sustainable Development Goals (SDGs), such as clean energy, the circular economy, or social inclusion.
Operational Framework and Security
The platform operates under a European Crowdfunding Service Provider (ECSP) license, guaranteeing a strict regulatory framework:
- Triple Impact Selection: each project is evaluated according to its financial viability, environmental impact, and social relevance. Only projects presenting a solid profile and measurable positive impact are selected.
- Variable Guarantees: depending on the project, guarantees may be put in place (pledges of equipment, parent company guarantees, or specific insurance). It is important to note that Goparity does not offer an automatic "buyback guarantee" as on consumer credit platforms.
- Total Transparency: investors have access to detailed information sheets (KIIS) for each project, including the borrower's history and identified specific risks.
Risk Profile
Investing in the real and sustainable economy involves risks that every user must weigh:
- Borrower Default Risk: the main risk is that the funded company or organization may not be able to repay the loan, leading to a loss of capital.
- Liquidity Risk: funds are tied up for the duration of the project (ranging from a few months to several years). However, Goparity offers a secondary market allowing investors to resell their shares to other investors before maturity.
- Sectoral Risk: certain projects (such as renewable energies in emerging countries) may be subject to specific regulatory or political risks in the country of operation.
- Absence of Deposit Guarantee: as with any crowdlending investment, capital is not guaranteed by the state.
Current Climate & Sentiment
Our interpretation of the community's climate and trust level regarding the platform.
The general sentiment around Goparity is that of an ethical, transparent, and pioneering platform.
Community Engagement
Investors express high satisfaction that their money is used to finance energy transition or concrete social projects. The "meaning" of the investment is the primary driver of loyalty.
Interface and Experience
The sentiment is very positive regarding the simplicity of the interface and the mobile application, considered modern and intuitive.
Stability and Seriousness
In 2026, Goparity is perceived as a mature player in the European market, having proven its ability to manage complex projects while maintaining a controlled default rate through rigorous selection.
Active Secondary Market
The presence of a secondary market is often cited as a reassuring point, offering an exit option in case of unexpected liquidity needs.
Crowdscope's opinion: Goparity is the ideal platform for those who wish to reconcile financial returns and ethical values. It is an excellent tool for diversifying one's portfolio outside traditional financial markets while acting for the planet.
Crowdscope editorial analysis · August 2026. Summary of observed community exchanges, not sponsored.
Guarantees
- Caution
Conditions
- Minimum ticket
- 10 €
- Indicative yield
- 6.5%
- Average duration
- 36 months
- Status
- ECSP
Warning
Investing carries a risk of partial or total capital loss. Displayed yields are indicative and not guaranteed.
Discover Goparity
Head to the official website to open an account and explore the investment opportunities offered by Goparity.
Crowdscope receives no commission from this platform — link provided for informational purposes. Investing involves a risk of capital loss.
Compare Goparity with similar platforms
Side-by-side comparisons on score, yield, guarantees, liquidity and regulation.
Goparity — frequently asked questions
Is Goparity a safe crowdlending platform?
Goparity scores 58/100 in the Crowdscope framework. It operates from Portugal since 2017, under the ECSP status, with a reported default rate of 7.5%. Loans are backed by: Caution. No crowdlending platform is risk-free: capital is at risk and past performance does not predict future returns.
What return can you expect on Goparity?
The indicative yield advertised on Goparity is around 6.5% per year, before defaults, recovery delays and cash drag. The net return observed by investors is usually lower.
Does Goparity have a secondary market?
No, Goparity does not offer a secondary market. Investments must be held until the loan matures or is repaid early.
What is the minimum investment on Goparity?
The minimum investment per loan on Goparity is 10 EUR, with an average duration of 36 months.
Is Goparity regulated?
Goparity operates under the ECSP regime. ECSP means the platform holds the European Crowdfunding Service Provider licence supervised by a national regulator; other statuses indicate a national regime or the absence of a dedicated crowdfunding licence.
Last updated: · Reviewed by the Crowdscope editorial team