In recent years, alternative forms of financing have become increasingly popular. This includes crowd financing. Via platforms such as Kickstarter or Startnext, startups, established companies and private individuals can present their projects and have them financed by the ‘crowd’ in various modes. This also enables the broad masses to support innovations with small contributions and without bureaucracy.

In this article we present three different forms of crowd financing: Crowdfunding, Crowdinvesting and Crowdlending. While the former are particularly attractive for startups, crowd lending offers established companies an alternative to conventional financing with higher sums and loan-like arrangements.


Crowdfunding enables the financing of innovative projects or startups through a variety of supporters. Due to mostly small starting amounts, private individuals can also participate in initiatives relatively easily and unbureaucratically. In contrast to crowd investing, the investors do not receive any financial consideration. Rather, discounts or other benefits are granted, or a copy of the product is sent before the start of sales.


The Berlin startup INSNACK (also to be found in our Food & Food Tech Startups blog post) sells healthy, natural insect-based snacks – without any unnecessary additives. To expand the product range, INSNACK has created the INSNACK Power Pops.

With the help of a Startnext campaign, the startup wants to finance the production and sustainable packaging of the Power Pops through crowdfunding.

More information about the campaign can be found here.


Crowdinvesting helps startups or other young companies to realise their projects. The crowd invests in the company with mostly rather small amounts and thus participates in its financial success. Because of the relatively small amounts, crowd investing makes investments accessible to a broad investor base. Minimum investments depend on the chosen platform. In addition to the return, investors are usually granted exclusive discounts or benefits.


The online farm shop Frischepost supports regional farmers in the direct marketing of their products. Not only private individuals can benefit from this, but also companies or organisations. With the crowd investing campaign via wiwin (where, among other things, you can also invest in the food saver start-up Sirplus) Frischepost wants to expand its distribution and area of operation even further.

More information about the campaign can be found here.


Crowdlending is the brokerage of loans issued by companies or private individuals. Interested parties can thus invest in projects of companies or private individuals and thus support them, for example, in the development of alternative lines of business or a new business model. The entrepreneur thus has additional debt capital at his disposal, while the investors receive monthly repayments consisting of interest and repayment.

rainforest company

The Rainforest Company sells purees and to-go bowls on an açai basis. Every product purchased supports projects in the Brazilian rainforest, and educational work is also carried out on the subject of deforestation. Through the crowdlending campaign via Kapilendo, the startup wants to add new products such as açai ice cream or snacks to its range and further expand its sales.

More about the campaign can be found here.

Henrik Rackow Innovation

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Henrik Rackow
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