How Crowdfunding for EU Startups will Change this Fall

05.18.2021 - By - The Authority on German Startups

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The Upcoming Changes to EU Crowdfunding Rules for Startups

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The Expert
We talk to a former guest, Jamal El Mallouki (, Managing Director (MD) and Co-Founder of Crowdfunding SaaS tech company CrowdDesk. He is also chairman of the board of directors of Germany’s Crowdfunding Association (
He talks with us about the upcoming rules, which will harmonize crowdfunding for startups across the European Union.
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The new Rules / European Crowdfunding Service Provider (ECSP)
Currently, Germany has national rules, getting retail investors without any prospectus to invest in startups. Each retail investor can invest up to 25.000 € in total. This limit does not exist for professional investors.  A startup can now raise up to 6 million Euros with crowdfunding.
These rules are about to change with upcoming EU rules. You can dig deeper in the rules with the links below. The main points are:

Crowdfunding campaigns can now target retail investors across the EU. They can now scale up to the whole EU market.
(Crowd)Fundraising startups can now target directly online retail investors across the EU
Crowdlending in Germany is now possible, directly via the crowdfunding platform, the need for an intermediate bank is gone.
This also means that crowdfunding is competing with classical bank credit here.

EU Startups, running a crowdfunding campaign can now raise funds in the German market, the largest in the EU with 6.7 trn € (8.14 trn US$) in private household wealth (according to Bundesbank, as end of 2020).
Fundraising without prospectus is possible, up to 5 mn Euros

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