Equity Crowdfunding (ECF) and Peer-to-Peer (P2P) financing are two methods of raising capital that connect investors with businesses, but they differ mainly in what investors receive in return.

In ECF, investors purchase shares or equity in a business. This means they become partial owners of the company and may benefit from its future growth and profits. ECF is typically associated with startups or early-stage businesses seeking growth capital.

In P2P financing, the arrangement is debt-based. Investors provide financing to individuals or businesses and receive interest or profit payments in return. The financing is repaid over a specified period, and investors do not acquire ownership in the business.

On BR Capital, this financing is facilitated through investment notes subscribed by investors, rather than equity ownership.