Platform reviews

European p2p lending platforms I’m invested (or I’ve invested for a while) and I found interesting.

Abundance Investments

  • Launched: 2012
  • Headquarters: UK
  • Loan types: Green Energy, Social Housing
  • Loans from: UK
  • Loan terms: 2 to 20 years
  • Interest rates: 5% – 12%
  • Loans funded: 101 million GBP (as of January 2020)
  • Investors: 6000 (as of January 2020)
  • Fees: no fees
  • Minimum investment: 50 GBP
  • Currency: GBP
  • Secondary market: yes
  • Auto-invest: no
  • Buyback guarantee: no
  • Accepts investor countries: UK, EEA and Switzerland
  • Authorized: yes, by FCA

Assetz Capital

  • Launched: 2013
  • Headquarters: UK
  • Loan types: Asset-backed business loans
  • Loans from: UK
  • Loan terms: 6 months to 5 years
  • Interest rates: 4.5% to 11%
  • Loans funded: 954 million GBP (as of January 2020)
  • Investors: 37000 (as of January 2020)
  • Fees: no fees
  • Minimum investment: 10 GBP
  • Currency: GBP
  • Secondary market: no
  • Auto-invest: yes
  • Buyback guarantee: no, but can invest with a provision fund
  • Authorized by: FCA
  • Accepts investor countries: UK, EEA and Switzerland
  • Bonus: 50 GBP when you invest at least 1000 GBP on the platform

Bondster

  • Launched: 2017
  • Headquarters: Czech Republic
  • Loan types: Unsecured Consumer Loans, Mortgage Loans, Business Loans
  • Loans from: Bulgaria, Czech Republic, Kazakhstan, Mexico, Philipines, Russia, South Africa
  • Loan terms: 1 month to 5 years
  • Loans funded: 33 million EUR
  • Investors: 8400
  • Interest rates: ~13%
  • Fees: no fees
  • Minimum investment: 5 EUR
  • Currency: EUR
  • Auto-invest: yes
  • Secondary market: no
  • Buyback guarantee: yes
  • Accepts investors from: EU countries
  • Bonus: 1% bonus on all investments made in the first 90 days after registration

Brickowner

  • Launched: 2017
  • Headquarters: UK
  • Loan types: real estate development projects
  • Loans from: UK
  • Loan terms: 1 to 5 years
  • Interest rates: 8% to 12%
  • Loans funded: 11 million GBP (as of January 2020)
  • Investors: 2000 (as of January 2020)
  • Fees: project-based (0% to 3.5% fees)
  • Minimum investment: 100 GBP
  • Currency: GBP
  • Secondary market: no
  • Auto-invest: no
  • Buyback guarantee: no
  • Authorized: no; it uses Sharein Limited‘s FCA license to function
  • Accepts investor countries: all countries, except US residents

Brickstarter

  • Launched: 2017
  • Headquarters: Spain
  • Investment types: Buy-to-sell properties
  • Investments from: Spain
  • Investment terms: ~1 year
  • Projects funded: 3 million EUR
  • Investors: ???
  • Return rates: ~9%
  • Fees: no fees
  • Minimum investment: 50 EUR
  • Currency: EUR
  • Auto-invest: no
  • Secondary market: no
  • Buyback guarantee: no
  • Accepts investors from: EEA countries, Switzerland

British Pearl

  • Launched: 2018
  • Headquarters: UK
  • Investment types: Buy-to-sell properties/Rental properties, Development loans
  • Investments from: UK
  • Investment terms: up to 5 years
  • Returns: 4% to 10%
  • Investments funded: 3 million GBP (as of January 2020)
  • Investors: ~2500 (as of January 2020)
  • Fees: 2% fee when you invest; 20% success fee from the property sale (only for the price appreciation)
  • Minimum investment: 1000 GBP (changed in 2019 from 50 GBP)
  • Currency: GBP
  • Secondary market: yes
  • Auto-invest: no
  • Buyback guarantee: no
  • Authorized: yes, by FCA
  • Accepts investor countries: all countries, except US residents

Bulkestate

  • Launched: December 2016
  • Headquarters: Latvia
  • Loan types: Real Estate Development Loans
  • Loans from: Latvia
  • Loan terms: up to 2 years
  • Interest rates: 10% – 16%
  • Loans funded: ???
  • Investors: ???
  • Fees: no fees
  • Minimum investment: 50 EUR
  • Currency: EUR
  • Secondary market: no
  • Auto-invest: yes
  • Buyback guarantee: no
  • Accepts investor countries: all countries

Crowdestate

  • Launched: July 2014
  • Headquarters: Estonia
  • Loan types: Real Estate Development Loans, Business Loans
  • Loans from: Estonia, Finland, Italy, Latvia, Romania
  • Loan terms: up to 5 years
  • Interest rates: 10% – 16%
  • Loans funded: 87 million EUR
  • Investors: 42000
  • Fees: no fees
  • Minimum investment: 100 EUR
  • Currency: EUR
  • Secondary market: yes
  • Auto-invest: yes
  • Buyback guarantee: no
  • Accepts investor countries: all countries, except the US

Crowdestor

  • Launched: 2018
  • Headquarters: Latvia
  • Loan types: Development loans, Business loans
  • Loan terms: 3-18 months (so far)
  • Loans funded: 30 million EUR
  • Investors: 11000
  • Interest rates: 12-36%
  • Fees: no fees
  • Minimum investment: 50 EUR
  • Currency: EUR
  • Secondary market: no
  • Auto-invest: no
  • Buyback guarantee: partially, it recently added a buyback guarantee fund
  • Accepts investor countries: EEA residents

Debitum Network

  • Launched: 2018
  • Headquarters: Latvia
  • Loan types: Business loans, Invoice financing, Trade financing
  • Loan terms: from a few days up to 3 years
  • Loans funded: 12 million EUR
  • Investors: 4000
  • Interest rates: 8% to 12%
  • Fees: no fees
  • Minimum investment: 10 EUR
  • Currency: EUR
  • Secondary market: no
  • Auto-invest: yes
  • Buyback guarantee: yes, not on all loans
  • Accepts investors from: Europe, Asia
  • Bonus: 10 EUR bonus when you invest at least 250 EUR on the platform (with the link below)

doFinance

  • Launched: 2017
  • Headquarters: Latvia
  • Loan types: Short-term consumer loans
  • Loan terms: from 7 days up to 5 years
  • Loans from: Latvia, Poland, Indonesia
  • Loans funded: ???
  • Investors: 4000
  • Interest rates: 5% to 11%
  • Fees: no fees
  • Minimum investment: 10 EUR
  • Currency: EUR
  • Secondary market: no
  • Auto-invest: yes
  • Buyback guarantee: yes
  • Accepts investors from: EEA Countries, Switzerland
  • Bonus: option to invest with a 12% interest rate(with the link below)

EstateGuru

  • Launched: 2014
  • Headquarters: Estonia
  • Accepts investors from: the entire world
  • Loan types: Business Loans, Development Loans, Bridge Loans, Refinancing Loans
  • Loan terms: up to 2 years (14.4 months average)
  • Loans from: Estonia, Latvia, Lithuania, Finland, Spain and Portugal
  • Loans funded: 170 million EUR
  • Investors: 38000
  • Interest rates: 8% – 12%
  • Fees: no fees
  • Minimum investment: 50 EUR
  • Currency: EUR
  • Secondary market: yes
  • Auto-invest: yes
  • Buyback guarantee: no (loans are secured by real estate property)
  • Bonus: 0.5% cashback on all investments made in the first 3 months (using the link below)(for those who sign-up in October, the cashback for the first 30 days is 1%)

Fast Invest

  • Launched: 2015
  • Headquarters: UK (virtual office)
  • Loan types: Consumer Loans
  • Loan terms: up to 1 year
  • Interest rates: 9-13%
  • Loans funded: ~13 million EUR
  • Investors: ~30000
  • Loans from: Spain, Poland, Denmark, Iceland
  • Fees: no fees
  • Minimum investment: 1 EUR
  • Currency: EUR, PLN
  • Secondary market: no
  • Auto-invest: yes
  • Buyback guarantee: yes
  • Accepts investors from: EEA countries, Australia, Bosnia and Herzegovina, Hong Kong, India, Indonesia, Israel, Japan, Kuwait, Malaysia, Montenegro, New Zealand, Oman, Saudi Arabia, Serbia, Singapore, South Africa, South Korea, Switzerland, Taiwan, Turkey, United Arab Emirates

Flender

  • Launched: 2015
  • Headquarters: Ireland
  •  Loan types: Business loans
  • Loan terms: up to 3 years
  • Loans funded: 18 million EUR
  • Investors: 4700
  • Loans from: Ireland
  • Interest rates: 9.1% to 15.9%
  • Fees: no fees
  • Minimum investment: 50 EUR
  • Currency: EUR
  • Secondary market: no
  • Auto-invest: yes
  • Buyback guarantee: no
  • Accepts investors from: any countries (even US)
  • Bonus: 5% bonus on all investments made in the first 30 days (with the link below)

Grupeer

  • Launched: 2016
  • Headquarters: Latvia
  • Loan types: Business Loans, Development Loans
  • Loan terms: up to 4 years
  • Loans funded: 63 million EUR
  • Investors: 22000
  • Interest rates: 11-13%
  • Fees: no fees
  • Minimum investment: 10 EUR
  • Currency: EUR
  • Secondary market: no
  • Auto-invest: yes
  • Buyback guarantee: yes
  •  Accepts investors from: EEA countries

Housers

  • Launched: 2015
  • Headquarters: Spain
  •  Investment types: Buy-to-sell properties, Rental properties, Development loans
  • Investment terms: up to 10 years
  • Projects funded: 108 million EUR
  • Investors: >100000
  • Investments from: Spain, Portugal or Italy
  • Expected annual return: 4-10%
  • Fees: 10% fee on the profit made; tax is deducted automatically
  • Minimum investment: 50 EUR
  • Currency: EUR
  • Secondary market: yes
  • Auto-invest: no
  • Buyback guarantee: no
  • Accepts investors from: most countries (except US residents)

Investly

  • Launched: 2015
  • Headquarters: Estonia
  •  Investment types: Invoice financing
  • Investment terms: up to 6 months
  • Projects funded: 40 million EUR
  • Investors: 3000
  • Investments from: Estonia, UK
  • Expected annual return: 11% – 13%
  • Fees: no fees
  • Minimum investment: 10 EUR
  • Currency: EUR
  • Secondary market: no
  • Auto-invest: yes
  • Buyback guarantee: no
  • Accepts investors from: EEA countries

Mintos

  • Launched: 2015
  • Headquarters: Latvia
  • Loan types: Personal Loans, Mortgage Loans, Business Loans, Car Loans, Invoice Financing, Short-term Loans, Pawnbroking Loans, Agricultural Loans
  • Loan terms: up to 20 years
  • Loans funded: 4.9 billion EUR
  • Investors: 271000
  •  Interest rates: 7-18%
  •  Fees: no fees
  •  Minimum investment: 10 EUR
  •  Currency: EUR, GBP, USD, RUB, SEK, DKK, etc.
  •  Secondary market: yes
  •  Auto-invest: yes
  •  Buyback guarantee: yes
  •  Accepted investor countries: all countries (except the US and UK)
  •  Bonus: 0.5% of your invested funds in the first 90 days (using the link below)

Monethera

  • Launched: June 2019
  • Headquarters: Estonia
  • Loan types: Business Loans, Real Estate, Green Energy, Logistics, Technology
  • Loans from: Latvia, Estonia, Poland, Germany
  • Loan terms: up to 2 years
  • Interest rates: 18% – 22%
  • Loans funded: 5.4 million EUR (as of February 2020)
  • Investors: 2700 (as of February 2020)
  • Fees: no fees
  • Minimum investment: 1 EUR
  • Currency: EUR
  • Secondary market: no (can sell loans back to Monethera with a 5% fee)
  • Auto-invest: no
  • Buyback guarantee: yes, partial
  • Accepts investor countries: all countries, except the USA, China and blacklisted or sanctioned for EU countries

Neo Finance

  • Launched: 2015
  • Headquarters: Lithuania
  •  Loan types: Consumer Loans
  • Loan terms: up to 5 years
  • Loans funded: 44 million EUR
  • Loans from: Lithuania
  • Investors: 9500
  • Interest rates: 6-27%
  • Fees: 0.29 EUR on withdrawing funds
  • Minimum investment: 10 EUR
  • Currency: EUR
  • Secondary market: yes
  • Auto-invest: yes
  • Buyback guarantee: yes, for 50% to 80% value on the defaulted loans, based on credit rating
  • Other securities: provision fund to cover missed or late payments
  • Accepts investors from: EEA countries
  • Bonus: 25 EUR on registration (using the link below)

PeerBerry

  • Launched: 2017
  • Headquarters: Latvia
  • Number of investors: 15000+
  • Loan types: Short-term loans, Mortgage, Leasing, Business Loans
  • Loan terms: 1 to 45 days on short-term loans, up to 5 years on long-term loans
  • Loans funded: 190 million EUR
  • Investors: 17000
  • Interest rates: 11-13.3%
  • Fees: no fees
  • Minimum investment: 10 EUR
  • Currency: EUR
  • Secondary market: no
  • Auto-invest: yes
  • Buyback guarantee: yes, after 60 days, including owed interest for the delay
  • Accepts investors from: EEA countries
  • Bonus: 0.5% – 1% loyalty bonus when investing more than 10.000 EUR

Property Partner

  • Launched: 2015
  • Headquarters: UK
  •  Investment types: Buy-to-sell properties, Rental properties, Development loans
  • Investment terms: up to 5 years
  • Investments funded: 145 million GBP
  • Investors: 10000+
  • Expected annual return: 4-10%
  • Fees: 2% fee on all investments; 1 GBP monthly fee; 1% annual fee on assets under management
  • Minimum investment: 1 GBP
  • Currency: GBP
  • Secondary market: yes
  • Auto-invest: no
  • Buyback guarantee: no
  • Accepts investors from: all countries, except US

Reinvest24

  • Launched: 2018
  • Headquarters: Estonia
  • Investment types: Buy-to-sell properties, Rental properties, Development loans
  • Investment terms: up to 10 years
  • Investments funded: 12 million EUR
  • Investors:???
  • Expected annual return: 6-8% on rental properties, 13-14% on development loans
  • Fees: 2% fee on investment, 10% rental income fee
  • Minimum investment: 100 EUR
  • Currency: EUR
  • Secondary market: no
  • Auto-invest: no
  • Buyback guarantee: no
  • Accepts investors from: all countries

Robo.cash

  • Launched: 2017
  • Headquarters: Croatia
  • Loan types: Short-term consumer loans
  • Loan terms: 1 to 12 months
  • Loans funded: 58 million EUR
  • Interest rates: 12%
  • Fees: no fees
  • Minimum investment: 10 EUR
  • Currency: EUR
  • Secondary market: no
  • Auto-invest: yes (and no manual invest)
  • Buyback guarantee: yes
  • Accepts investors from: all European countries
  • Bonus: loyalty program with additional interest paid when investing more than 1000 EUR

Swaper

  • Launched: October 2016
  • Headquarters:
  • Loan types: Short-term consumer loans loans
  • Loan terms: 1 to 12 months
  • Loans funded: 120 million EUR
  • Interest rates: 12% (14% when you invest more than 5000 EUR)
  • Fees: no fees
  • Minimum investment: 10 EUR
  • Currency: EUR
  • Secondary market: yes
  • Auto-invest: yes
  • Buyback guarantee: yes
  • Accepts investors from: EEA countries
  • Bonus: 2% loyalty bonus when investing more than 5000 EUR

TFG Crowd

  • Launched: 2019
  • Headquarters: Estonia
  • Loan types: Business loans, Invoice finance, Mortgage loans, Trade finance
  • Loans from: UK, Germany, the Baltics
  • Loans funded: > 3 million EUR
  • Loan terms: up to 2 years
  • Interest rates: 5-17%
  • Fees: no fees
  • Minimum investment: 100 EUR
  • Currency: EUR
  • Secondary market: no
  • Auto-invest: no
  • Accepts investors from: EEZ (European Economic Zone)
  • Buyback guarantee: yes

Twino

  • Launched: 2009
  •  Headquarters: Latvia
  •  Loan types: Consumer Loans
  •  Loan terms: 1 month up to 2 years
  • Loans funded: 600 million EUR
  • Loans from: Georgia, Latvia, Poland, Russia, Kazakhstan
  • Investors: 18000
  •  Interest rates: 8-14%
  •  Fees: no fees
  •  Minimum investment: 10 EUR
  •  Currency: EUR
  •  Secondary market: yes
  •  Auto-invest: yes
  •  Buyback guarantee: yes
  •  Accepted investor countries: all countries, with EU bank account

viaInvest

  • Launched: 2016
  • Headquarters: Latvia
  • Loan types: Consumer loans
  • Loan terms: from 7 days up to 5 years
  • Loans from: Latvia, Poland, Indonesia
  • Loans funded: ???
  • Investors: 10000
  • Interest rates: 9% to 11%
  • Fees: no fees
  • Minimum investment: 10 EUR
  • Currency: EUR
  • Secondary market: no
  • Auto-invest: yes
  • Buyback guarantee: yes
  • Accepts investors from: EEA Countries
  • Bonus: 10 EUR bonus when investing at least 50 EUR

Viventor

  • Launched: 2015
  • Headquarters: Latvia, Riga
  • Loan types: Consumer Loans, Business Loans, Invoice Financing, Mortgage-backed Loans, Line of credit, Pawnbroking Loans
  • Loan terms: 1-60 months
  • Loans funded: 117 million EUR
  • Investors: 7200
  • Interest rates: 6-15%
  • Fees: no fees
  • Minimum investment: 10 EUR
  • Currency: EUR
  • Secondary market: yes
  • Auto-invest: yes
  • Buyback guarantee: yes
  • Accepts investors from: EU countries, or any other countries if investors have an EU bank account

Wisefund

  • Launched: 2019
  • Headquarters: Estonia
  • Loan types: Business Loans
  • Loan terms: 3 – 18 months
  • Loans funded: 3 million EUR
  • Investors: 2000
  • Interest rates: 18% – 19%
  • Fees: early exit fee when selling back loans to Wisefund
  • Minimum investment: 10 EUR
  • Currency: EUR
  • Secondary market: yes
  • Auto-invest: no
  • Buyback guarantee: yes
  • Accepts investors from: EEA countries, Switzerland
  • Bonus: 0.5% cashback on all investments made in the first 270 days after registration

Yielders

  • Launched: 2016
  • Headquarters: UK
  • Investment types: Rental properties
  • Investments from: UK
  • Investment terms: 3 to 5 years
  • Returns: 6% to 10%
  • Investments funded: 2.5 million GBP
  • Investors: ~2500
  • Fees: 2.5% fee when you invest; 15% success fee from the property sale (only for the price appreciation)
  • Minimum investment: 100 GBP
  • Currency: GBP
  • Secondary market: no
  • Auto-invest: no
  • Buyback guarantee: no
  • Authorized: yes, by FCA
  • Accepts investor countries: all countries, except US residents

Other platforms


Wisealpha

  • Launched: 2016
  • Headquarters: UK
  • Regulated by: FCA
  • Investment types: Corporate bonds
  • Return rates: 2.9% – 14.2%%
  • Fees: 0.25% to 1% when investing; 0.25% fee on early sale
  • Minimum investment: 100 GBP / 100 EUR
  • Currency: GBP, EUR
  • Who can register: EU residents
  • Secondary market: yes (sort of)
  • Auto-invest: yes
  • Bonus: 25 GBP when you invest at least 1000 GBP