121M+Total Funded
Average annual return across all funded loans
Fund loans directly and earn competitive returns from borrowers
Browse investment opportunities
What you can expect
Real returns from direct lending across different risk categories and loan types with full transparency on every deal
10.6M+Interest paid
Minimum investment to start funding loans
1.8K+Funded projects
Active loans available for investment right now
44.2K+Registered investors
Average time from funding to first repayment
€2.0M +Provision Fund
Investors currently earning from the platform
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 investment opportunities work
Fund loans directly, track repayments, and manage your portfolio in one place
Browse available loans
Filter loan options by selecting your preferred loan amount, repayment term length, and interest rate range
Check loan details, borrower profile, and risk grade before committing funds to any opportunity
Review borrower details
Income, purpose, credit history
See verified income data, loan purpose, and credit assessment to help you decide which loans match your risk level
Fund the loan
Partial or full funding
Invest any amount from the minimum up to the full loan value, or split funding with other investors
Earn monthly repayments
Principal plus interest
Get paid monthly as borrowers repay, with interest credited directly to your account each payment cycle
Reinvest or withdraw
Your choice, anytime
Use repayments to fund new loans automatically or transfer earnings to your bank account when you need them
Track performance live
Real-time dashboard updates
Monitor active loans, repayment status, and total returns across your portfolio from a single dashboard
Why choose direct lending
Higher returns than traditional savings, more control than funds, and full transparency on every investment you make
0% Rates often exceed savings accounts
No fees for deposits, investments or withdrawals.
28,003 +You choose which loans to fund
A growing community built around transparent investing.
€1,712 +Track each loan's performance separately
Average amount invested by active users each month.
€139 +Diversify across multiple borrowers easily
Average interest paid to active investors each month.
Featured opportunities this week
Curated loans with strong borrower profiles, competitive rates, and quick funding timelines worth checking first
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.
Tools to manage your portfolio
Filter, sort, and track opportunities with precision to build a portfolio that fits your goals
Filter by risk grade
Match investments to your comfort level with default risk
Sort by interest rate
Find the highest returns available in your chosen risk range
Set term length preferences
Choose short-term loans or longer commitments based on liquidity needs
View funding progress
See how much each loan still needs before it closes and funds disburse
Track repayment history
Check borrower payment behavior on past loans before investing in new ones
Download performance reports
Export earnings data for tax filing or personal record keeping anytime
Set diversification limits
Cap investment per loan automatically to spread risk across more borrowers
Get alerts on new loans
Receive notifications when opportunities matching your criteria get listed
Secondary market for early exits
Sell funded loans to other investors before maturity if you need liquidity, though selling may involve a discount depending on loan performance and demand
Browse marketplace
Portfolio performance matters
Diversifying across multiple loans historically reduces the impact of any single default and smooths out returns over time compared to concentrated bets
€12M+ +Secondary Market volume
Recommended number of loans for basic diversification
9,308+ +Secondary Market participants
Typical default rate across all risk grades combined
Start investing in three steps
From signup to first investment in minutes with no hidden fees or minimums beyond the stated amount
Create your account
Verify identity and link bank
Deposit funds
Transfer money to your wallet
Pick your first loan
Review and commit funds
Rewards for active investors
Earn bonuses when you hit investment milestones, refer other investors, or maintain a diversified portfolio over time
Cash bonus at first milestone
After funding your initial loans
Referral earnings
When friends invest through your link
Fee discounts at higher tiers
Reduced servicing fees above thresholds
Early access to premium loans
Top-rated opportunities before public listing
Join the investor community
About this platform
We link borrowers seeking funds with investors wanting better returns than savings accounts. Each loan undergoes credit checks, income verification, and risk rating before listing. You choose investments matching your goals and risk comfort level.
What we show you
Every loan shows the borrower's credit rating, confirmed income, loan reason, amount needed, duration, and rate. You'll also view current funding progress, projected monthly payments, and past results from comparable loans. Complete transparency—all information is visible upfront before you invest.
- Borrower credit grade and score range
- Verified income and employment status
- Loan purpose and amount requested
- Full repayment schedule with interest breakdown
- Historical default rates for similar loans
- Current funding status and time remaining
Collateral and the
Provision Fund help reduce certain risks, but do not eliminate investment risk.
Common questions about investing
Average annual returns vary by risk category and loan type, with full transparency on each deal. Most investors see competitive yields from direct lending, with monthly repayments credited to their account alongside principal.
The minimum investment threshold allows most individuals to begin funding loans with a modest amount. This low entry point makes direct lending accessible to a broad range of investors seeking diversified portfolio exposure.
Yes. Every loan listing includes verified income data, the stated purpose, and a risk grade assigned after credit assessment. This transparency helps you evaluate which opportunities align with your personal risk tolerance before committing capital.
Borrowers repay loans monthly, with interest and principal credited directly to your account each cycle. You can then reinvest those repayments into new loans automatically or withdraw funds to your bank account whenever needed.
A real-time dashboard displays all active loans, repayment status, and cumulative returns across your entire portfolio. Updates occur continuously, giving you current visibility into performance metrics and borrower payment activity.
Absolutely. You can fund any amount from the minimum threshold up to the full loan value, or share funding with other investors on the platform. This flexibility lets you control exposure and diversify across multiple opportunities.