121M+Total Funded
Average annual return across active portfolios
Fund loans, earn returns, and control how your portfolio grows
Build income from your capital
Returns that work for you
Thousands of investors use our platform to generate regular income while maintaining flexibility over their capital and risk exposure.
10.6M+Interest paid
Active investors earning monthly income
1.8K+Funded projects
Total funded to borrowers since launch
44.2K+Registered investors
Average time from signup to first funded loan
€2.0M +Provision Fund
Loans available for funding each month
Investors receiving payouts
Investors who received at least one interest payment each month.
Rated 4.5 / 5 based on 779 reviews. Showing our 4 & 5 star reviews.
How income investing works
Fund loans directly and earn as borrowers repay over time
Browse available loans
Sort and narrow results based on loan duration, interest percentage, and borrower characteristics
Each loan shows expected return, duration, and risk grade before you commit funds.
Choose what to fund
Invest in individual loans or spread across many
You decide how much goes into each loan and can diversify across hundreds of borrowers.
Earn as borrowers repay
Receive principal and interest monthly
Payments flow into your account automatically as borrowers make their scheduled repayments.
Reinvest or withdraw
Use returns to fund new loans or cash out
Incoming payments can be reinvested automatically or transferred to your bank account.
Track performance live
See returns, defaults, and portfolio health in real time
Your dashboard updates daily with earnings, outstanding principal, and projected annual yield.
Adjust as you learn
Refine your strategy based on results
Most investors start conservative and adjust their risk appetite after a few months of data.
Why investors choose this approach
Income investing offers returns that aren't tied to stock market swings or bank deposit rates.
0% Higher yield than savings accounts
No fees for deposits, investments or withdrawals.
28,003 +Regular monthly cash flow
A growing community built around transparent investing.
€1,712 +Control over risk and diversification
Average amount invested by active users each month.
€139 +No lockup periods on most loans
Average interest paid to active investors each month.
Featured investment opportunities
Current loans available for funding, sorted by return, term, and borrower creditworthiness.
Wholesale Electronics
Supplies consumer electronics to major retailers and telecomes like Technomarket and Magnum-D
- Loan Amount
- €600,000
- Term
- 16 months
- Yield (APR)
- 15.1%
JINTEKI
Processes, freezes and dries fruits and vegetables in a modern, fully equipped organic-focused production facility
- Loan Amount
- €900,000
- Term
- 14 months
- Yield (APR)
- 14.9%
Datra Ltd
Supply, installation and maintenance of agricultural and food equipment
- Loan Amount
- €950,000
- Term
- 12 months
- Yield (APR)
- 14.6%
Investment Calculator
Future value in 6 years€8000
Start with €50
Average annual return17.6%
Earned return€460
Promotions€0
Estimated returns based on target rate of 14.6% APY. Actual returns may vary. Past performance does not guarantee future results.
Control your portfolio
Set limits, choose risk levels, and adjust strategy as you go
Set maximum exposure per loan
Cap how much goes into any single borrower to limit concentration risk.
Choose acceptable risk grades
Filter loans by credit score, income verification, and repayment history.
Pick loan terms that fit your timeline
Fund short-term loans for faster turnover or longer ones for higher yields.
Diversify across loan types
Mix consumer, business, and secured loans based on your risk tolerance.
Enable or disable auto-reinvestment
Choose whether incoming repayments fund new loans or stay liquid in your account.
Withdraw available funds anytime
Cash out your uninvested balance or wait for loans to mature before pulling capital.
Track individual loan performance
See which borrowers pay on time and which ones fall behind or default.
Adjust strategy based on results
Shift toward safer loans if defaults rise or take more risk if returns underperform.
Access a live loan market
New loans post daily. Fund them directly or buy existing ones from other investors looking to exit early before the loan matures.
Browse marketplace
Built for regular income
Income investing works best for people who want predictable cash flow without tying up capital in illiquid assets or volatile markets.
€12M+ +Secondary Market volume
Average monthly payout per active investor
9,308+ +Secondary Market participants
Percentage of investors using auto-reinvest
Get started in minutes
Open an account, fund it, and start earning from your first loan
Sign up and verify your identity
Takes under five minutes
Deposit funds to your account
Bank transfer or card payment
Fund your first loan
Browse loans or enable auto-invest
Benefits for active investors
Investors who maintain a funded portfolio get priority access to high-demand loans and reduced fees on larger balances.
Early access to top-rated loans
Before general marketplace release
Lower fees on portfolios over threshold
Reduced servicing costs at scale
Bonus rate on reinvested returns
Extra yield when you auto-invest earnings
Dedicated portfolio review support
Help optimizing risk and return balance
Join the investor community
About our platform
We connect investors with borrowers who need funding. You earn returns from loan repayments. Borrowers get access to capital. The platform handles verification, payment processing, and collections so you can focus on building your portfolio.
What you should know before investing
Income investing involves risk. Borrowers may default, potentially causing partial or total loss of your principal on individual loans. While diversification reduces risk, it doesn't eliminate it. Returns aren't guaranteed, and loans lack deposit insurance protection. Only invest funds you can afford to lose.
- Loans are not insured or guaranteed
- Default rates vary by loan grade
- Early withdrawal may limit available capital
- Past performance does not predict future results
- Fees apply to servicing and withdrawals
- Tax reporting is your responsibility
Collateral and the
Provision Fund help reduce certain risks, but do not eliminate investment risk.
Common questions about income investing
Active investors on peer-to-peer lending platforms typically earn annual returns ranging from mid-single to double digits, depending on risk selection and loan diversification. Returns come from interest payments made by borrowers as they repay their loans over agreed terms.
Investors can spread capital across hundreds of borrowers by funding small portions of multiple loans rather than concentrating funds in single loans. This reduces the impact of any single default on overall portfolio performance and helps manage risk exposure.
Borrowers make scheduled repayments monthly, and these payments—including both principal and interest—flow automatically into investor accounts on the platform. Funds can then be reinvested into new loans or withdrawn to a bank account.
Each loan listing displays the expected annual return, loan duration, risk grade, and borrower profile details before commitment. Investors can filter opportunities by term length, interest rate, and other criteria to match their strategy and risk tolerance.
Most participants begin with conservative loan selections and gradually increase risk exposure after observing several months of actual repayment behavior and portfolio performance. This data-driven refinement allows strategies to evolve based on real outcomes rather than assumptions.