New P2P Lending Platforms in 2022
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New P2P lending platforms are always interesting for investors for multiple reasons. Diversification can be one of them, where interest rates with new platforms tend to be higher as well. When opening up an account, in most cases a bonus or promo code gives an investor an additional return on investment.
A Selection of New European P2P Lending Platforms in 2022
HeavyFinance is offering loans using farm equipment as collateral. Rates are very attractive, up to 14% on a yearly basis.
- 2% bonus over the amount invested during the first 30 days
- Area of operation: the Baltics
- Fixed yearly return up to 14%
- Secondary market: available
- Minimum investment amount: 100 EUR
Although HeavyFinance is rather new as a platform, as is this form of P2P financing, the team behind it has more than sufficient expertise in this field. Also, there are plenty of loans to invest in and the risk-reward ratio is very attractive due to the solid collateral.
Invest in litigation funding in the United Kingdom with potential returns of 20% per year.
- No bonus available
- Area of operation: United Kingdom
- Fixed annual returns: not fixed, average annual return is 20%
- Secondary market: available
- Minimum investment amount: 500 GBP
Investing in lawsuits is fairly new within the P2P lending business and definitely adds to the options you have as an investor. Each investment on this platform should be made carefully, as money could be lost too. However, the platform is solid and run by a team of skilled professionals with strong track records. The average interest rates of 20-30% (yearly) are very attractive and should be rewarding to investors.
With InRento you can invest in rental properties, backed by real estate, where you can earn from rental income and/or capital growth.
- Bonus available of 20 EUR when you make your first investment
- Area of operation: the Baltics, Spain
- Average yearly return: 7.11%
- Secondary market: available
- Minimum investment amount: 500 EUR
- Licensed and regulated by the Bank of Lithuania
With InRento you invest in properties (shared ownership), where you gain from rental income and potential capital growth. You can benefit from investing in multiple countries within one platform. Licensed by the Latvian authorities and with an annual average return on investment of 7%, this will definitely appeal to more conservative investors.
Invest in personal, business or consumer loans with income safeguarded by a buyback guarantee and a cashflow buffer.
- No bonus available
- Area of operation: Brazil, Finland, Indonesia, Latvia
- Fixed annual return: up to 12%
- Secondary market: not available
- Minimum investment amount: 10 EUR
- Automatic investment to easily invest large amounts
Income prioritizes the safety of your invested funds, which means you have lower yields. It offers loans from various loan orginators on its marketplace, but only after a rigorous selection. In case a loan orginator gets into financial difficulties, Income has a sophisticated system in order to make sure the investors are exposed to minimum risk.
Returns are up to 10% yearly when investing in real estate, all of them covered by a first rank mortgage on the MaxCrowdfund marketplace.
- No bonus available
- Area of operation: the Netherlands, United Kingdom, Germany
- Fixed yearly return up to 10%
- Secondary market: not available
- Minimum investment amount: 100 EUR
- Regulated by the Dutch Financial Authorities (AFM)
Max Crowdfund mostly offers bridge or development loans to invest in, with real estate as collateral. Although the platform is fairly new, the team behind is very experienced. The rates are fair, MaxCrowdfund is regulated by Dutch authorities and the website is available in multiple languages as well. Clearly a platform an investor should consider.
Earn on average 8-9% per year by investing in consumer loans, all of them backed by a buyback guarantee of the Placet Group.
- No bonus available
- Area of operation: the Baltics
- Fixed yearly return up to 9%
- One Click Exit: immediately sell your investment and get your money instantly booked to your account
- Minimum investment amount: 10 EUR
- Automatic investment to easily invest large amounts
Moncera as a platform is fairly new and mostly offers personal loans to invest in. Additionally, you can invest in real estate as well. The rates are a little bit lower on average compared to its competitors, but you can sell your investment instantly if you feel the need to. Moncera is owned by the Placet Group, a solid and profitable group which also offers its loans on Mintos.
What do you think? Let us know in the comments section below!