Three crowdfunding models, one platform
Crowdfunding covers more ground than a single product can usually serve well: donation campaigns with no expectation of return, debt-based campaigns where investors are repaid principal plus interest, and equity campaigns where investors take a stake in the business. The platform runs all three simultaneously rather than specialising in one.
A licensing pathway through Lithuania
Launching a regulated crowdfunding platform across the EU typically means seeking authorisation market by market. Creditonline is based in Lithuania and can help a business work through a single authorisation procedure with the Bank of Lithuania. Once granted, that licence passports across the EU under the European Crowdfunding Service Provider framework, providing single market access to roughly 450 million consumers and over 20 million businesses, without separate national licensing in each country you operate in.
Liquidity through secondary markets
Investors aren’t necessarily locked in until a project concludes. Secondary market functionality lets them exit a position early, typically at a discount to face value, which matters for keeping the platform attractive to investors weighing liquidity against return.
Payments and virtual accounts
Multiple payment gateways and major card schemes are supported, alongside virtual bank accounts with separate IBANs, so funds for different campaigns or use cases can be kept clearly segregated.