The EU Euro zone leading marketplace lending platforms

Lending Deposit gives you an overview of the size and likely future returns of the leading peer-to-peer or marketplace lending platforms based in the Euro Zone.

The Eurozone's leading marketplace lending platforms

The following table gives an overview of the leading marketplace lending platforms of the Euro zone. The data is as of January 2019. The assessment regarding platform yields are forward looking, net of fees and risk costs.

Your questions and feedback are welcome. For a further explanation of the table captions please see the Table Description at the bottom of the page.

Name Volume to date in € Expected net return HQ country Borrower countries Active since Loan types
Auxmoney > 1 billion Medium Germany Germany 2007 Consumer
Younited Credit 0.5-1 billion Low France France 2009 Consumer
Twino 100-500 million High Latvia Poland, Georgia, Denmark, Russia Latvia, Spain 2009 Consumer
Fellow Finance 100-500 million High Finland Finland 2013 Consumer
Credimi 100-500 million Medium Italy Italy 2015 Invoice
October 100-500 million Medium France France 2015 Business
Finexcap 100-500 million Medium France France 2012 Invoice
GreenVesting 100-500 million Medium Germany Germany 2005 Business (impact)
Crealsa 100-500 million Medium Spain Spain 2009 Invoice
Bondera 100-500 million High Estonia Various European 2009 Consumer
Workinvoice 100-500 million Medium Italy Italy 2013 Invoice
Geldvoorelkaar 100-500 million Medium Netherland Netherland 2010 Business
Viainvest 100-500 million High Latvia Various European 2016 Consumer
Fixura 50-100 million High Finland Finland 2010 Consumer
Estate Guru 50-100 million High Estonia Estonia 2014 Mortgage
Linked Finance 50-100 million Medium Ireland Ireland 2011 Business
Finanzarel 50-100 million Medium Spain Spain 2014 Invoice
Circulantis 50-100 million Medium Spain Spain 2014 Invoice
Borsa del Credito 50-100 million Medium Italy Italy 2013 Business
LoanBook 50-100 million Medium Spain Spain 2013 Business
MyTripleA 50-100 million Medium Spain Spain 2014 Business
Lendahand 30-50 million Medium Netherland Netherland 2011 Business
Swaper 30-50 million High Latvia Poland, Denmark, Russia, Spain 2016 Consumer
IUVO 30-50 million High Estonia Various European 2016 Consumer
epic 30-50 million Medium Italy Italy 2014 Corporates
Kokos 30-50 million Medium Poland Poland 2009 Consumer
Kapilendo 30-50 million Medium Germany Germany 2015 Business
Unilend 30-50 million Medium France France 2013 Business
Smartika 30-50 million Medium Italy Italy 2012 Consumer
Dofinance 10-30 million Medium Latvia Latvia 2016 Consumer
Investly 10-30 million Medium Estonia Estonia 2014 Invoice
Credit-fr 10-30 million Medium France France 2014 Business
Finansowo 10-30 million Medium Poland Poland 2008 Consumer
Look&Fin 10-30 million Medium Belgium 2012 Business
Raize 10-30 million Medium Portugal Portugal 2014 Business
Arboribus 10-30 million Medium Spain Spain 2013 Business
Prestiamoci 10-30 million Medium Italy Italy 2007 Consumer
Smava 10-30 million Medium Germany Germany 2007 Consumer
Savy 10-30 million Medium Lithuania Lithuania 2014 Consumer
Finbee 10-30 million High Lithuania Lithuania, Czech Republic 2015 Consumer
Grupeer 10-30 million High Latvia Various European 2016 Consumer
Growly 10-30 million Medium Spain Spain 2013 Business
Neofinance 10-30 million High Lithuania Lithuania 2015 Consumer
Bolden 10-30 million Medium France France 2015 Business
Bitbond 10-30 million Medium Germany Global 2014 Cryptoassets
Zity Melon 10-30 million Medium Slovakia Slovakia 2012 Consumer
Econeers 10-30 million Medium Germany Germany 2013 Business (impact)
Pret-Up < 10 million Medium France France 2014 Business
Zank < 10 million Medium Spain Spain 2014 Consumer
Initiative Ireland < 10 million Medium Ireland Ireland 2015 Mortgage
  • Mintos

    Mintos is do not originate loans themselves but instead provide their investors access to over 60 loan originators. Most of these originators provide a “buy-back-guarantee” for overdue loans, which means that the default risk is mainly with the originators and not the underlying assets. Historic returns on Mintos, when investing in a diversified portfolio have been above 11% and it is likely that also future returns will be above 10%. Investors should take care, however, to diversify well across a large number of loan originators.

  • EstateGuru

    EstateGuru is the Eurozone’s largest property lending platform with an excellent track record (very low risk costs). The platform’s historic yield has been above 11% and it is likely that also future returns will be above 10%.

  • Bondora

    Bondora is one of Europe’s oldest crowdlending platform. It focuses on sub-prime consumer loans from Estonia, Finland and Spain. The platform is not very easy to use and average returns differ quite a lot between investors, which is why Bondora recently introduced their “Go & Grow” product with a target yield of 6.75% instead of the above 10%, which are possible to reach when investing manually or with one of their pre-defined investment algorithms.

Table description

  • Volume
    The Volume data given in the tables are either directly taken from the respective website or estimates from us if there is no data.
  • Expected annual return
    The given expected return is directly taken from the platforms websites; only in the case that there is not information provided do we estimate the number.
  • Riskiness
    Under “Riskiness” we try to give the investor an idea how risky the investment is given historical default rates and the loan type. Different loan types carry different risks: Asset-backed loans are for example less risky than personal loans which are especially affected in times of economic instability.
  • Type of loans
    Indicates the biggest group of loan types the respective platform deals with.