121M+Total Funded
Average annual returns compound over decades
Patient capital meets consistent returns through peer lending
Build wealth that lasts decades
Why long term investing works
Time smooths out market noise and lets compound interest do the heavy lifting for your portfolio
10.6M+Interest paid
Lower volatility when holding 5+ years
1.8K+Funded projects
Tax advantages on long term capital gains
44.2K+Registered investors
Time to recover from temporary setbacks
€2.0M +Provision Fund
Predictable income from stable loans
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 long term peer lending works
Your capital funds loans with multi-year repayment schedules
Choose your loan duration
Terms available for 3, 5, or 7 years
Pick loans that match when you'll need the money back
Monthly interest payments arrive
Predictable cash flow
Reinvest or withdraw your monthly earnings as they come in
Principal returns at maturity
Full repayment scheduled
Get your original investment back when the loan term ends
Diversify across borrowers
Split your capital
Spread risk by funding portions of many loans instead of one
Track performance over years
Dashboard shows history
Watch your portfolio grow as loans perform and interest accumulates
Reinvest to compound faster
Auto-invest earnings
Turn monthly payments into new loans without lifting a finger
What makes peer lending long term
Loans run for years, not months, giving you predictable income tied to real repayment schedules
0% Multi-year loan terms match your horizon
No fees for deposits, investments or withdrawals.
28,003 +No daily price swings to worry about
A growing community built around transparent investing.
€1,712 +Compounding works when you reinvest payments
Average amount invested by active users each month.
€139 +Less temptation to sell during market panic
Average interest paid to active investors each month.
Loans built for patient investors
Business expansions, real estate development, and equipment financing with 3-7 year repayment timelines
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.
What you can control
Pick your own risk level and timeline preferences
Loan duration
Match term length to when you need funds back
Borrower credit grade
Balance between yield and default probability
Loan purpose filter
Fund only business types you understand or trust
Geographic diversification
Spread investments across different regional economies
Minimum interest rate
Set your required return before considering any loan
Maximum exposure per loan
Cap how much any single borrower gets from you
Reinvestment rules
Decide if monthly payments auto-fund new loans or sit idle
Early repayment preferences
Accept or avoid loans that might pay off ahead of schedule
Browse available long term loans
Filter by term length, interest rate, and loan purpose to find investments that match your patience and return expectations
See all loans
Performance over time matters most
Short term fluctuations fade when you measure results across years instead of months or quarters
€12M+ +Secondary Market volume
Consistent returns when holding 5+ years
9,308+ +Secondary Market participants
Lower anxiety from ignoring short term noise
Start investing for the long haul
Three actions get you funding loans with multi-year timelines
Set your investment horizon
Choose 3, 5, or 7 year terms
Pick your diversification level
Split across 20+ loans minimum
Enable automatic reinvestment
Compound without manual work
Rewards for staying invested
Longer commitment earns you better rates, priority access to top-graded loans, and reduced platform fees
Rate boost after 12 months
Extra 0.25% on new investments
Priority queue at 24 months
First access to premium loans
Fee reduction at 36 months
Lower servicing costs permanently
VIP support after 48 months
Dedicated account manager assigned
Join the long term investor community
Why we focus on patient capital
Quick flips and day trading work for some people. We built this platform for investors who'd rather check their portfolio quarterly than hourly and value predictable income over gambling on price swings.
What we share about performance
Every loan shows its full repayment history, current status, and any late payments. We publish platform-wide default rates quarterly and break down performance by loan grade, duration, and purpose so you can make informed choices about where your money goes.
- Historical default rates by grade
- Average time to full repayment
- Late payment recovery statistics
- Loan performance by industry sector
- Platform fee structure breakdown
- Investor return distributions over time
Collateral and the
Provision Fund help reduce certain risks, but do not eliminate investment risk.
Common questions about long term investing
Compound interest accelerates portfolio growth when earnings are reinvested over decades. Monthly interest payments can be automatically funneled into new loans, multiplying the effect of your original capital without requiring active management.
Borrowers repay loans over 3, 5, or 7 year periods, providing predictable cash flows tied to actual repayment schedules rather than market speculation. Investors choose terms matching their financial horizon and liquidity needs.
Long-term holding eliminates forced selling during market downturns and lets loans reach maturity on schedule. This stability removes the pressure to react to temporary setbacks or price fluctuations that plague shorter-term strategies.
Spreading capital across many borrowers and loan terms ensures no single default derails your returns. If one loan underperforms, dozens of others continue generating income, creating a cushion against isolated losses.
Holding investments beyond one year typically qualifies for preferential tax treatment on capital gains and interest income. This structural advantage increases net returns compared to frequent trading or short-term strategies.
Your original investment returns at the loan maturity date, whether that is year 3, 5, or 7. The borrower's repayment schedule is fixed from the start, removing guesswork about when you'll access your principal.