Compare interest rates of new P2P platforms in Europe and UK

New P2P platforms

Why invest with new and startup P2P platforms? There are three reasons. Interest rates are often higher than for established platforms. Some offer very attractive sign up bonuses which can significantly boost returns. They can also help to diversify a portfolio by offering loans in locations that are hard to find elsewhere, or have features that are unique. A capital allocation to these platforms, as part of a larger investment portfolio can make sense for many investors.

Loan types	Typical rates	Location	Our view	Bonuses available	Learn more
Aggregator of loans from multiple platforms	10-15%	Across Europe	Tribe is an 'aggregator' site that offers loans from 16 different platforms. While many of these platforms appear on this table and can be accessed directly, Tribe makes it easier to diversify investments across a lot of different sites without having to open accounts at each one.	0.5%	Visit Tribe
Personal and business loans	13-15%	Poland	Hive5 is a new P2P site. It is still quite small and only has a limited range of loans. It offers personal and business loans from a lending company operating in Poland. There are big plans to expand operations over the coming year. For now only suitable to receive a small allocation of an investor portfolio		Visit Hive5
Development finance	7-10%	Lithuania	Letsinvest is a new site focusing on funding small, high quality real estate developments. Currently all projects are in Lithuania but there are plans to expand into other countries.		Visit Letsinvest
Personal loans	12-14%	Global	Esketit is a new P2P site from the lending group Creamfinance. It offers loans from Creamfinance as well as startup companies in Jordan and Sri Lanka that are owned by the Creamfinance founders	1%	Visit Esketit
Personal loans, business loans	7-12%	Global	GetIncome is a new site that has been designed to improve the security of investors' funds. It takes control of the cash repaid by borrowers, which allows it to closely monitor performance and helps ensure that investors receive cash owed to them. Offers loans from 3 lending companies		Visit GetIncome
Rental properties	7%	Lithuania	InRento offers investors shared ownership of properties that are rented out. Investors earn rental income (at around 7% net yields) and a share of any capital growth. Interesting concept. From the team behind EvoEstate	€20	Visit InRento
Personal loans	16%	Bulgaria	Afranga is a new P2P site created by the Stikcredit group. Stikcredit are small but have been performing well. We are not sure why the rates offered are so high - it may be a short term thing while they help their new site to grow		Visit Afranga
Equipment finance	10-14%	Baltics	HeavyFinance is based in Lithuania. It looks promising. HeavyFinance offers loans secured on heavy machinery such as tractors and other farm equipment. A fairly new site but the team behind it have a track record in both P2P and equipment finance. Strong yield and an interesting asset class		Our review
Bridge and development loans	10-13%	UK	FutureBricks is a small and fairly new site that is focusing on funding small property developments. It has big plans to grow over the next 12 months, as a result of a crowdfunding equity raise and partnerships with institutional investors		Visit FutureBricks
Secured loans	11-13%	Baltics	Lande has been operating since 2011 but has only now launched a P2P platform. It offers loans secured on farmland, and development projects. Plans to launch some interesting products during 2021		Visit Lande
Aggregator of loans from multiple platforms	10-14%	Various European	Brickfy is a new Estonian site that offers loans from 5 different platforms / partners. Brickfy is currently working on adding new platforms and increasing the supply of loans. The Brickfy team say that they perform due diligence on each loan that is listed on Brickfy. The site could be interesting if it can keep growing and offer loans that are difficult to find elsewhere		Visit Brickfy
Litigation finance	Returns depend on litigation results	UK	AxiaFunder is a bit different to other sites but we think it is very interesting. They help to crowdfund litigation, and the returns depend on the outcome of the litigation. High risk/reward but worth taking a look if you have some funds you are willing to make some financial bets with, where the odds are in your favour		Visit AxiaFunder