121M+Total Funded
Average annual return across all loan types
Invest once, earn every month through loan interest payments
Turn your lump sum into monthly income
Your money can work harder
Investors using our platform typically see consistent returns while keeping control over where their money goes and how it's allocated
10.6M+Interest paid
Loans available to invest in right now
1.8K+Funded projects
Average time to receive first monthly payment
44.2K+Registered investors
Minimum investment to start earning income
€2.0M +Provision Fund
Investors currently receiving monthly payments
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 your lump sum generates income
Simple steps that turn a one-time investment into recurring returns
Deposit your lump sum
Send money safely and directly into your bank account with protected transactions
No lock-in periods or hidden fees during the deposit process
Choose loans to fund
Browse borrower profiles and terms
Filter by risk level, loan duration, and expected monthly return
Spread across multiple loans
Diversify to reduce single-borrower risk
Most investors split their lump sum across 20-50 different loans
Receive monthly interest payments
Income arrives as borrowers repay
Payments hit your account automatically each month
Reinvest or withdraw
Use income however you prefer
Keep it as cash flow or compound by funding new loans
Track performance in real time
Dashboard shows all active investments
See exactly which loans are paying and which need attention
Why this works for lump sums
A single payment can create income streams that last months or years depending on how you allocate it
0% No need to time the market
No fees for deposits, investments or withdrawals.
28,003 +Start earning from month one
A growing community built around transparent investing.
€1,712 +Control exactly where money goes
Average amount invested by active users each month.
€139 +Income scales with investment size
Average interest paid to active investors each month.
Featured loan opportunities right now
These loans are currently accepting investment and offer monthly repayments starting within 30 days
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.
You decide how income is generated
Customize your approach based on risk tolerance and income needs
Choose loan duration
Short-term loans return capital faster, long-term ones offer higher rates
Select risk levels
Higher-risk borrowers pay more interest but carry greater default chance
Set diversification rules
Limit exposure per loan to protect your monthly income stream
Pick repayment types
Interest-only loans maximize monthly cash flow during the term
Filter by borrower type
Business loans, personal loans, or property-backed options available
Adjust reinvestment settings
Auto-reinvest income to compound or withdraw it for spending
Monitor late payments
Get alerts when borrowers miss scheduled monthly payments
Review borrower history
Check past repayment behavior before committing your funds
Access the secondary market
Need your lump sum back before loans mature? Sell your loan parts to other investors and exit early without waiting for full repayment
See marketplace
Real numbers from active investors
These figures reflect actual platform performance and typical outcomes for investors who diversified their lump sum across multiple loans
€12M+ +Secondary Market volume
Average monthly income per £10,000 invested
9,308+ +Secondary Market participants
Median number of loans per portfolio
Get started in three steps
From signup to first monthly payment in under a week
Create your account
Takes about 5 minutes
Deposit your lump sum
Bank transfer or debit card
Fund your first loans
Manually or using auto-invest
Rewards for consistent investors
Earn bonus returns and fee reductions as you invest more or hold loans longer on the platform
Cashback on investment fees
Up to 0.5% back monthly
Priority access to new loans
Fund before general release
Lower secondary market fees
Reduced selling costs
Exclusive borrower insights
Extended credit reports
Join the investor community
About our platform
We connect people who have lump sums to invest with borrowers who need funding. Every loan is vetted, and every investor gets full transparency into where their money goes and what monthly income they can expect from it.
How we keep things transparent
You can see exactly which loans you own, track every payment in real time, and review borrower details before investing. No hidden fees, no surprise charges, and no black-box algorithms deciding where your lump sum goes unless you choose auto-invest.
- Live loan performance data
- Borrower credit scores shown upfront
- Full fee breakdown before investing
- Monthly statements sent automatically
- Default rates published quarterly
- Independent audit reports available
Collateral and the
Provision Fund help reduce certain risks, but do not eliminate investment risk.
Common questions about lump sum investing
Platform investors typically achieve consistent annual returns across diversified loan portfolios. Actual performance depends on risk selection and loan duration, with most participants seeing monthly payments begin within weeks of initial funding.
Spreading a lump sum across 20–50 loans limits exposure to any single borrower's default. This approach distributes risk while maintaining meaningful income from the overall portfolio, making monthly payments more stable and predictable.
Monthly income payments arrive automatically and can be withdrawn or reinvested immediately. Your principal remains invested until loan terms complete, though secondary market options may exist for early exits depending on platform rules.
P2P lending offers higher yield potential than traditional fixed-income instruments while preserving investor control over loan selection and allocation. Monthly distributions provide regular cash flow without waiting years for maturity.
Fund transfers occur securely with no lock-in periods or hidden fees during deposit. Most investors can begin selecting loans and funding borrowers within one to two business days of initiating their transfer.