P2P business lending platforms from Europe

Based on the types of loans the p2p lending platforms offer, they can be split into 3 main categories:

  • focused on consumer loans – offering loans to private persons for different reasons
  • offering business loans – funding businesses operations and expansions
  • focused on real estate development loans

Many platforms are a mix of these 3: Mintos and Viventor offer both consumer and business loans, Crowdestate and Grupeer offer both business and property loans. 

There are many European p2p lending platforms that let you invest in business loans and gain good interest rates for your money. Some of the ones I like the most are on this list.

TFG Crowd

TFG Crowd is one of the newest p2p business lending platforms from Europe. Registered in Estonia, it has offices in Tallinn, Riga, London and Berlin.

All loans are covered by buyback guarantee and TFG Crowd created a special buyback fund to cover for any defaults. 2% of the amount of every funded project goes into this fund.

Loans location

Most of the loans available are issued to British and German companies, so TFG Crowd is a good platform for portfolio diversification outside of the Baltics region.


Flender is a p2p lending platform that offers loans for Irish small and medium enterprises.

The loan amounts range from 15.000 EUR to 150.000 EUR and the loan terms are up to 3 years.

There is no buyback guarantee, but each loan is rated with a credit ranking from A+ to V. Flender analyses the borrowers’ creditworthiness in-house and also uses the credit information obtained from Credit Safe and Stubbs Gazette.

Flender is a good option if you want to diversify your portfolio by investing in Irish businesses.

Signup bonus

5% bonus on all investments made in the first 30 days

Debitum Network

Debitum Network is a decentralized p2p lending marketplace from Latvia, that started offering business loans to worldwide companies in September 2018.

The average interest rate for the loans available is 9.36%.

All loans available are secured with some assets and most of them come with a buyback guarantee. Depending on the loan originator, some of the loans are bought back while paying back the principal and accrued interest, while others only pay back the principal.

The main downside when investing in Debitum Network is the lack of a secondary market. Your funds are stuck on the platform until the loan matures or defaults.

One other downside is that the interest rates currently offered, at around 10%, are a lot smaller than what most of the Baltics platforms offer right now.

Signup bonus

10 EUR bonus when you invest at least 250 EUR on the platform


Crowdestor is a peer to peer lending platform based in Estonia that publishes on its website secured loans with interest rates that vary from 12% to 36%.

The domain activity of the companies finances range are very different: real estate, transporting, restaurants, hotels, startups, mobile games, movies, etc.

The loans are not covered by a buyback guarantee, although Crowdestor is slowly building a buyback fund that amounts to around 100.000 EUR currently.

The loan terms range from 3 to 18 months.


Crowdestate is a real estate crowdfunding platform based in Estonia. You can either finance or get funding for a real estate development project.

You can invest in the real estate market through credit loans or invest in business loans and mortgage-backed loans.

All real estate development projects offered on the platform are ended with the sale of the property. Some of the projects might close earlier than the expected term, if specific conditions are met, like “a 30% increase in the value of the property”.

Assetz Capital

Assetz Capital is a crowd investing platform from the UK that lets investors earn interest by investing in secured business loans. 

There’s no minimum investment and while the loans are not covered by a buyback guarantee, most of the investment options available are covered by a provision fund.

Assetz Capital is one of the safest p2p business lending platforms to invest in the UK. The downside is that the interest rates in the UK are a lot smaller than the ones in the Baltics.

The manual investments offer an average return for its investors of around 8% per year. The currently available interest rates are between 4.5% and 11.9%, so the 8% return assumes a diversified portfolio and also takes into account the defaults.

The automatic investment setups offer a cap to 6.25% on the annual return. Lower than the manual investment options, although for now, I prefer the auto-invest funds.