The main difference between lending and equity crowdfunding is the type of investment and the corresponding return on investment. Lending crowdfunding, also known as debt crowdfunding, involves investors lending money to a project or company with the expectation of receiving a fixed return, usually in the form of interest payments. This is similar to a traditional loan, where the borrower repays the principal plus interest over a set period of time. The investor’s capital is secured and the return on investment is predictable. Equity crowdfunding, on the other hand, involves investors buying shares or ownership in a project or company. In real estate equity crowdfunding, the investor becomes a shareholder in the property and receives a share of the property’ s income or profits. The return on investment in this case is not fixed and may vary greatly depending on the success of the project. The investor’s capital is not secured and the return on investment is not predictable. In summary, lending crowdfunding is a form of debt investment where the investor receives a fixed return on their investment, while equity crowdfunding is a form of equity investment where the investor receives a share of the profits or ownership in the project.