TopLending · Editorial standard
How we score lending
platforms — transparently.
Every score on this site is the same formula applied to the same public data. No paid placements, no hidden adjustments. Below: the exact weights, the sources we pull from, and how often the numbers refresh.
The formula.
The overall score is a weighted composite of four independent signals. Each signal is normalised to a 0–5 scale before weighting.
- Verified investor reviews
- 35 %
- Investment conditions
- 25 %
- Regulatory standing
- 25 %
- Operational momentum
- 15 %
Aggregated investor feedback from Trustpilot, TradingView and Google Play, weighted by recency. Community reviews posted on TopLending are included after moderation but do not dominate the score.
Investment conditions: published yields, minimum investment, buyback guarantees, secondary-market availability and fee transparency.
Regulatory standing: ECSP/MiFID licence, supervising authority and country of incorporation. Unregulated platforms cannot achieve a top score.
Operational momentum: financing volume reported in the last 12 months, project pipeline and platform uptime signals.
Where the data comes from.
Trustpilot · TradingView · Google Play
Reviews are fetched directly from the public pages of each source. We do not edit, rephrase or filter feedback by sentiment.
Moderated user reviews
Reviews submitted on TopLending are screened by editors for spam and personal data before publication.
ECSP & national registers
Licence and supervisor data is verified against ESMA, CNMV, CMVM, Bank of Latvia and equivalent national registers.
Yields, fees and volume
Conditions and volume figures come from public statistics pages published by the platforms themselves and are spot-checked by our editors.
What does not affect the score.
- No paid placements. Platforms cannot pay for a higher position, a higher score, or removal of negative reviews.
- Affiliate links are disclosed. Where present, they are flagged as referral links and do not influence ordering.
- Editorial firewall. The team scoring platforms has no commercial relationship with them.
- No manual overrides without reason. Editors can adjust a score only when a verifiable event (regulatory action, insolvency, fraud disclosure) justifies it, with the reason logged.