Bondora has been a steady part of my P2P portfolio for years. Go & Grow delivers exactly what it promises: 6% annual returns, daily liquidity, zero effort required. For conservative investors who want P2P exposure without micromanaging loan portfolios, it’s hard to beat. But 6% isn’t what it used to be. With other P2P platforms […]

Visit Maclear I’ve been following the European P2P lending space for years, and Maclear has been on my radar for a while as one of the more interesting newer platforms in the SME lending category. Swiss-registered, collateral-backed, focused on small and medium businesses in Eastern and Southern Europe, with returns in the 14–16% range. It […]

PeerBerry has earned its reputation as one of the most reliable P2P lending platforms in Europe. EUR 3.24 billion funded, 110,000+ investors, zero major originator defaults, and ~11% annual returns. Hard to argue with that track record. So why look elsewhere? Two reasons. First, PeerBerry has no secondary market — once you invest, your money […]

After nine years and over EUR 150,000 invested on Mintos, I know the platform inside out. It’s the biggest P2P lending marketplace in Europe by a wide margin — MiFID II regulated, 60+ loan originators, EUR 12 billion+ funded. But putting all your P2P money on one platform is a mistake. Even the best platform […]

If you’re already investing on PeerBerry and wondering whether to add Lonvest to the mix — or you’re evaluating both for the first time — this comparison should help. I invest on both platforms and they share enough DNA to make a direct comparison useful: both focus on consumer loans, both offer buyback guarantees, and […]

Mintos and Twino are both Latvian platforms, both hold investment firm licenses, and both have been around since 2015. On paper, they look like siblings. In reality, they’re at completely different stages of their evolution in 2026. Mintos is the market leader — EUR 12 billion+ in funded loans, 700,000+ investors, 60+ loan originators across […]

Swaper vs ViaInvest is one of the cleanest risk-vs-reward tradeoffs in European P2P lending. Swaper offers ~14% returns (16% with the loyalty bonus) but is completely unregulated. ViaInvest offers ~13% returns under MiFID II regulation — the same framework that governs banks and brokerages. Is the extra 1-3% worth giving up regulatory protection? That’s the […]

I invest on both Esketit and Lonvest, and the dynamic between these two platforms is one of the more interesting stories in European P2P lending right now. Esketit has been around since 2020 and was once the well-backed platform with AvaFin (formerly Creamfinance) standing behind it. That changed in 2025 when AvaFin withdrew from P2P […]

I get asked fairly often about the tools and software I use on a daily basis. Rather than answering the same questions repeatedly, I thought I’d put together this comprehensive overview of my current setup. As someone who’s passionate about technology and productivity, I’m always experimenting with new tools. But these are the ones that […]

If you’re comparing Esketit and ViaInvest, you’re looking at two platforms that take regulation seriously — but in very different ways. That’s what makes this comparison interesting. I’ve been investing on both platforms and watching them evolve. ViaInvest has been a quiet, steady performer backed by the profitable VIA SMS Group since 2016. Esketit, launched […]