In absolute terms, the market of crowd-investing (equity, lending, minibond) has passed from 344 million of euros last year (July 2022-June 2023) to 302 million of euros this year (July 2023-June 2024). This is highlighted by Ener2Crowd.comthe number one platform and app in Italy for green investments, based on data from the School of Management of the Polytechnic University of MilanThe market is suffering and the biggest drop is recorded in the part equity (-25.5%). The minibondwhich however represent a very small part of this market, and real estate, where however the default rates are very high.
Sustainable investments on the rise
Despite this situation of generalized decline, Ener2Crowd.comwhich operates in the field of sustainable investments, is instead growing. In the report of the School of Management of PoliMi, as of 30 June 2024, the platform preferred by “green investors” is placed at fifth place for amount of loans granted within the business. The total number of Authorized platforms has collapsed: in June 2024 there were less than half of those of the previous year (33 against 75). number of operators went from 48 to 18 for equity crowdfunding and from 27 to 15 for lending crowdfunding. From the data analysis, the sustainable investment segment also appears to be the safercharacterized by just 1.73% default rate medium.
The detail
Ener2Crowd analysts note that as of today the main contraction of the market occurred in the sector ofequity crowd investing (-26%) with a total volume reached equal to 107 million of euros; while lending crowdinvesting recorded a 7% contraction, mainly attributable to the loss of consumer sectorwhich has passed into the hands of institutional operators or has ceased its activity due to default rate issues.
The situation in lending
In the lendingof the 170 million investments, 85% concerns the real estate sectorin which however the numbers are significantly increasing default rates (officially 8%). From what can be read in online groups and forums, the real percentage could be around 30%. The remaining 15% of the financial resources collected in the lending segment, equal to approximately 24 million euros, are instead destined for businesses (business sector), used in 50% of cases in impact or ESG projects.
