P2P investment platforms

P2P platforms act as intermediaries between investors and borrowers, making it easier to invest in and manage loans. Each platform has its own business model, risk profile and terms, all of which should be analysed before investing.

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Dashboard for comparing and analysing P2P investment platforms

P2P platform models differ significantly: some offer buyback commitments, others work with multiple lending companies, while some target higher returns in exchange for higher risk.
For a platform to be a reliable choice, it should be transparent, appropriately regulated and provide detailed information about its loans, partners and financial statements. Choosing the right platform is a key factor in the long-term success of any P2P investor because it shapes the level of risk, the stability of returns and the overall quality of the portfolio.

Leading platforms

The information was verified on 18 July 2026. Terms may change. A buyback mechanism is a contractual obligation of the relevant lender and does not guarantee your capital.

Mintos logo

Mintos

Regulation
MiFID II investment firm supervised by Latvijas Banka
Minimum investment
€50 for Notes on the primary market
Asset types
Notes backed by loan portfolios, as well as bonds and other investment products
Secondary market
Yes; the ability to sell depends on market demand
Buyback mechanism
Only when provided by the lending company or the specific product
Main risk
Default by an issuer or lending company and risk associated with the underlying loans
Suitable for
Investors seeking a broad selection who accept a more complex product structure
Last reviewed
Bondora Go & Grow logo

Bondora Go & Grow

Regulation
Go & Grow does not have a separate financial licence; group companies are licensed lenders
Minimum investment
No clearly stated fixed minimum
Asset types
An automatically diversified portfolio of unsecured consumer loans
Secondary market
No; it closed on 30 September 2025
Buyback mechanism
No buyback guarantee
Main risk
Credit losses and possible partial payments during periods of mass withdrawals
Suitable for
Investors who prefer an automated product with minimal management
Last reviewed
PeerBerry logo

PeerBerry

Regulation
Marketplace for claims; not a MiFID II investment firm
Minimum investment
€10 per loan
Asset types
Consumer, leasing, business and property loans
Secondary market
Yes; active since January 2026 under certain conditions
Buyback mechanism
Applies to all listed loans; a group guarantee applies only to some of them
Main risk
Solvency of the lending companies and their related groups
Suitable for
Investors seeking different loan terms and automated investing
Last reviewed
Esketit logo

Esketit

Regulation
Marketplace for claims; no stated MiFID II or ECSP licence
Minimum investment
€10
Asset types
Claims arising from consumer loans
Secondary market
Yes; no fee under the published terms
Buyback mechanism
Available on most offers; the terms and time frame should be checked for each loan
Main risk
The lender or group may be unable to meet its buyback obligation
Suitable for
Investors who accept higher lender risk in exchange for automation
Last reviewed
Robocash logo

Robocash

Regulation
Not regulated under a financial services licence
Minimum investment
€10
Asset types
Claims arising from UnaFinancial short- and long-term loans
Secondary market
Yes; transactions are carried out at face value
Buyback mechanism
Up to 30 days after the due date, according to the platform's terms
Main risk
High concentration in a single financial group and its lenders
Suitable for
Investors seeking automation who accept group concentration
Last reviewed
Swaper logo

Swaper

Regulation
Swaper Platform OÜ is not regulated under a financial services licence
Minimum investment
€10
Asset types
Claims arising mainly from consumer loans
Secondary market
Yes; selling depends on the availability of a buyer
Buyback mechanism
Depends on the lender and the specific agreement
Main risk
Concentration among a limited number of lenders and default risk
Suitable for
Investors who accept concentration in exchange for simplified management
Last reviewed
Income Marketplace logo

Income Marketplace

Regulation
Marketplace for claims; no stated MiFID II or ECSP licence
Minimum investment
€10
Asset types
Consumer, business and secured loans from external lenders
Secondary market
Yes; the ability to sell and the price depend on demand
Buyback mechanism
Applies to listed loans and is supplemented by a Cashflow Buffer; it does not guarantee full recovery
Main risk
Lender default, in which case the protection buffers may prove insufficient
Suitable for
Investors seeking additional contractual safeguards who accept lender risk
Last reviewed
IUVO logo

Iuvo

Regulation
The service is not licensed as an investment, banking or crowdfunding service
Minimum investment
Usually €10, depending on the specific offer
Asset types
Claims arising from different types of loans
Secondary market
Yes; selling is not guaranteed and depends on demand
Buyback mechanism
Only when provided for in the specific assignment agreement
Main risk
Lender solvency and the possibility of a partial or total loss
Suitable for
Investors who want a choice of lenders and accept an unregulated model
Last reviewed
TWINO logo

Twino

Regulation
Licensed investment firm supervised by Latvijas Banka
Minimum investment
Depends on the selected product
Asset types
Asset-backed securities linked to loan portfolios
Secondary market
Yes for loan investments; liquidity depends on demand
Buyback mechanism
Not a universal platform guarantee; the terms depend on the product
Main risk
Issuer, credit and liquidity risk relating to the underlying assets
Suitable for
Investors who prefer a regulated environment and automated strategies
Last reviewed
Afranga logo

Afranga

Regulation
Licensed European crowdfunding service provider (ECSP)
Minimum investment
€10 per loan
Asset types
Business loans to pre-approved European companies
Secondary market
No; the feature is still under development
Buyback mechanism
No universal buyback guarantee; terms are specific to each loan
Main risk
Business borrower default and limited liquidity until maturity
Suitable for
Investors who understand business loans and can hold their investment until maturity
Last reviewed