P2P Lending Platform Reviews

Founded in 2010 by Wall Street executives, Peerform operates as a P2P lending marketplace connecting American investors with borrowers seeking personal loans, primarily for debt consolidation and credit card refinancing. Its proprietary Loan Analyzer algorithm evaluates borrowers beyond traditional credit scores, creating loan grades that offer investors different risk-return profiles.

Estonia-based P2P platform offering cross-border consumer loans across Europe with automated portfolio builder Go & Grow.

Non-profit organisation focusing on financial inclusion with loans primarily funded through individual contributions starting at US$25.

Facilitated over €2.89bn (US$3.69bn) in loans since 2017, with most loans sourced from lenders within the affiliated Aventus Group.

Founded in 2010 by Wall Street executives, Peerform operates as a P2P lending marketplace connecting American investors with borrowers seeking personal loans, primarily for debt consolidation and credit card refinancing. Its proprietary Loan Analyzer algorithm evaluates borrowers beyond traditional credit scores, creating loan grades that offer investors different risk-return profiles.

Linked Finance was founded in 2013 to connect Irish SMEs with retail investors looking to invest in the growth of businesses across the country. In a market of dwindling opportunities for business owners to seek funding from traditional pillar banks, Linked Finance filled that gap and became Ireland’s leading peer-to-peer business lender.

UK platform specialising in secured business loans to rural and regional enterprises with a focus on property-backed lending.

The leading European multi-asset investment platform regulated under MiFID, with over €610 million AUM at the end of 2023.

UK platform focusing on secured lending to SMEs, property developers, and renewable energy projects with all loans backed by property security.

Founded in 2005, it was the first P2P lending platform established in the United States, having facilitated over US$28bn in loans to date.

Hive5 is a growing European P2P lending marketplace, launched in Croatia in 2022. With a minimum investment of just €10, it connects investors with short-term, high-yield loans backed by a 60-day buyback guarantee.

InRento is a regulated Lithuanian buy-to-let real estate crowdfunding platform founded in 2020 and licensed under the EU's ECSP framework by the Bank of Lithuania. It allows investments starting from €500, offering average annual returns of around 11–13.5%. Investors earn rental income monthly plus potential capital gains, and investments are secured by first-rank mortgages. A secondary market with a 2% seller fee provides liquidity options.

Esketit is a European peer-to-peer lending platform launched in 2020 by the founders of Creamfinance Group, a large international lending company. It allows investors to start from as little as €10 and offers average annual returns of around 12 to 14 percent. Most loans come with a buyback guarantee, meaning that if a loan becomes overdue for more than 60 days the originator buys it back together with accrued interest. Investors can diversify across consumer loans in multiple countries and use auto-invest strategies or the secondary market to manage liquidity. Registration is quick and the platform is available to investors worldwide, except for a few restricted jurisdictions.