The SPI Crowdlending Method Checklist: 47 Points to Vet Any Platform

After losing €50,000 to fake crowdlending gurus, I developed a systematic approach that now safeguards my €1,000,000+ portfolio and delivers consistent 12.25% net returns.

The hardest lesson learned? Most platform failures are predictable if you know what to look for.

In this comprehensive guide, I’m giving you the exact 47-point checklist I use to evaluate every crowdlending opportunity—the same framework that’s helped me achieve 4.5 years without significant losses.

Why I Created This Checklist (My €50,000 Wake-Up Call)

Like most investors, I started by trusting social media “experts” with impressive charts and success stories. The brutal truth I discovered? Many maintained minimal investments (€200-€500) primarily to qualify for affiliate commissions while recommending I risk tens of thousands.

When platforms I’d invested significant amounts in began failing, these “gurus” disappeared. Their business model was customer acquisition, not investment success.

My fundamental mistake: trusting advice from people with minimal skin in the game. Many social media analysts sign up with €200 for three months just to create “review” content, lacking the long-term experience and real financial commitment that separates theoretical analysis from practical wisdom.

This €50,000 lesson taught me that real due diligence requires both a systematic framework and genuine platform experience.

How to Use This Checklist Without Analysis Paralysis

This 47-point checklist is comprehensive, but you don’t need perfect information on every point. Focus on these priorities:

• Red flags in any category should give you pause
• Aim for 80% completeness rather than 100%
• Some verified data beats perfect missing data

The real value comes from combining this structured approach with the intangible wisdom of actual experience—something I provide clients through 5 years and €1,000,000+ of real testing across 50+ platforms.

The SPI P2P Method Checklist: 47 Points Across 3 Pillars

💰 PILLAR 2: REAL PROFIT POTENTIAL (12 Points)

Moving Beyond Advertised Returns
Calculate what you’ll actually keep after all costs

Net Return Calculation

• Stated gross returns vs. historical actual returns
• All fees and commissions clearly itemized
• Historical default rates across market cycles
• Currency exchange costs if applicable
• Tax treatment efficiency

Operational Efficiency

• Auto-invest functionality and flexibility
• Cash drag minimization features
• Reinvestment automation options
• Withdrawal processing times
• Secondary market liquidity depth

Sustainable Competitive Advantage

• Unique technology or market position
• Defensible market niche
• Scalability of business model
• Innovation pipeline visibility

The Intangible Difference: Experience You Can’t Download

While this checklist provides the framework, the real wisdom comes from lived experience. At Carlia Consulting, we offer what no checklist can provide:

Your Next Steps: From Checklist to Confident Investing

P2P Crowdlending Platforms Where I Maintain Substantial Personal Investments

These platforms have passed our 47-point checklist AND 3-5 years of real-money testing:

Note: Some links above are affiliate links that provide minor compensation at no cost to you. We only affiliate with platforms where we maintain substantial personal investments.

Conclusion: Knowledge vs. Wisdom

This 47-point checklist gives you the knowledge to avoid obvious red flags and make informed decisions. But wisdom comes from applying this framework across market cycles, learning from mistakes, and developing the intuition that only experience brings.

After losing quite a lot of money due to bad advice, I committed to providing the guidance I wish I’d had. The choice is simple: continue following potentially conflicted influencers, or embrace a proven methodological framework backed by real skin in the game.

The next time you see an “expert” recommending crowdlending platforms, ask one question: “How much do they actually have invested here?”We show you transparently. Because the only valid recommendation is one you’d make with your own money first.

To learn more about the SPI methodology that has enabled these results, visit our complete guides:

• Why I created the SPI method after losing €50,000
• The SPI Method: The definitive guide to safe crowdlending investing
• How to apply the SPI method in crowdlending