Crowdfunding and crowdlending in Poland are developing dynamically, enabling the raising of capital from the community. Crowdfunding includes various models (equity-based, reward-based, and donation-based), while crowdlending involves providing loans with an obligation to repay them with interest. As a partner of the GREET-CE project, Mazovia Energy Agency prepared a draft report, that highlights although charity-based and reward-based crowdfunding are better known and widely trusted in Poland, investment crowdfunding and crowdlending have encountered significant challenges. These difficulties are mainly the result of well-publicised failures and fraud scandals, which have significantly reduced public trust in these financing models. The report analyzes economic, legal, and social factors impacting crowdlending, including public attitudes, demographic profiles, and recent experiences with various crowdfunding models (charity, bonus, and investment). It also reviews the sector’s decline following scandals in crowdinvesting, which damaged trust. Nevertheless, new, licensed platforms such as Crowd Real Estate, Europpa, and Finansowo.pl mark a shift toward safer, more credible investment environments. Key recommendations include increasing financial education, rebuilding trust through transparent communication, and leveraging media to promote positive outcomes. Crowdlending could become a powerful tool for mobilizing capital for innovative and socially impactful ventures, particularly in bioeconomy, real estate, and green energy, if public trust and awareness are adequately nurtured. The report concludes likewise that crowdlending in Poland can develop successfully if supported by strong regulation, transparent communication, financial education and effective use of digital and social media channels. Rebuilding trust and increasing public awareness are essential for crowdlending to become a meaningful source of financing for green and innovative projects in Poland.
What is more, another report[1] analyzes polish regulations, with a focus on crowdfunding used for business and investment purposes. It describes crowdfunding as a method of raising funds online from a large number of people through dedicated platforms. Furthermore, it outlines the role of European Union law, in particular EU Regulation 2020/1503, which introduced a unified legal framework for crowdfunding services across the EU. This regulation aims to standardize rules, increase investor protection, and enable crowdfunding platforms to operate more easily across borders. The report explains also, how Poland implemented this EU regulation through a national law adopted in July 2022. This Polish law sets out the legal conditions for operating crowdfunding platforms in Poland and ensures compliance with EU requirements. It also highlights that crowdfunding platforms operating under this framework must obtain authorization and are supervised by the Polish Financial Supervision Authority (KNF). Overall, the report provides a legal overview of the crowdfunding framework in Poland and is intended for businesses, investors, and crowdfunding platform operators who want to understand the applicable regulatory requirements. On 18 November, 2025 representatives of the Mazovia Energy Agency participated in the National Eco-Energy Festival in Opole to promote crowdfunding and crowdlending opportunities in Poland. The event aimed to raise awareness of eco-energy, support knowledge exchange, and connect science, business, and investors, with a strong focus on local governments and prosumers. A key element of the festival was the good practices workshops and the participation of international experts sharing technological and financial solutions. During the event, Cezary Molski presented on the Green Transition in Central Europe, highlighting the role of crowdfunding and crowdlending within the GREET-CE project. The festival provided an excellent platform for networking, international cooperation and promoting innovative green energy solutions aligned with GREET-CE objectives.
[1] https://www.dudkowiak.com/regulatory-in-poland/crowdfunding-in-poland/
