European P2P lending platforms by age, published volume, loan types and minimums
Mintos reports €13 billion invested in total, PeerBerry €3.56 billion, Estateguru €969 million. Ten platforms by age, loan types and minimums.
Updated: 3 October 2026
Among European crowdlending platforms that publish a cumulative figure, Mintos reports €13 billion invested in total (Mintos statistics, read 3 October 2026). PeerBerry reports €3.56 billion, Estateguru €969 million and Maclear €158.9 million. Each figure counts something different, so the tables below label and date every one.
Age, published volume and loan types of ten European crowdlending platforms
All ten platforms below publish their own statistics. Each cell was read on 3 October 2026 unless a date appears in it, and n/a marks an item the pages read do not give.
| Platform | Started | Published size figure (page label) | Loan types the platform states |
|---|---|---|---|
| Mintos | Marketplace launched January 2015 (TechCrunch, 23 Feb 2016) | €13 billion "total invested"; "€800m+ assets under management" (statistics, home page) | Personal, short-term, car, mortgage, business, agricultural and pawnbroking loans, car rentals, invoice financing, Forward Flow (help page, 13 Jun 2025) |
| Go & Grow (Bondora Group) | Bondora Group founded 2008 (Go & Grow) | €2,271,069,154 "invested in total" in Go & Grow; €1,881,828,441 in Bondora loans issued, 845,627 loans (statistics, page metadata last modified 15 Jan 2026) | Fractions of loans to Bondora Group's customers in Estonia, Finland, the Netherlands, Spain and Latvia (Go & Grow). August 2026 originations also in Denmark and Lithuania (stats post, 25 Sep 2026) |
| PeerBerry | Founded 2017 by Aventus Group (About) | €3,556,853,543 "total invested" (statistics, updated 3 Oct 2026 07:54 UTC) | Real estate, short, business, long and leasing categories; real estate €81,950,480, 51.98% of outstanding loans (same page) |
| Debitum | n/a | €5.99 million of new investments in September 2026 (Debitum blog, 2 Oct 2026) | Business loans, offered as asset-backed securities and Notes (FAQ, 4 Dec 2025) |
| Estateguru | Started operations in 2014 in Tallinn (blog, 9 Mar 2026) | €969,092,704 "money lent", 160,673 investors, 8,027 funded loans (home page) | Property-backed loans to SMEs; the blog says all new loans originate in Estonia, Latvia and Lithuania |
| Robocash | Launched 2017 (how it works) | €1,384,943,814 "invested through the platform" (home page); outstanding portfolio €68,219,116.04 (statistics) | Loans the originators page lists as "Consumer", for example Big Loan and Digido in the Philippines (originators) |
| Lendermarket | Established 2018 (home page) | €42.0M+ "earned by investors" (home page counter) | Consumer loans, including personal and short-term credit; Gatelink raises business financing for lending companies (home page) |
| Maclear | Maclear AG acquired in 2020; first fundraising campaign in August 2023 (About) | €158.9M+ "Total Funded", 56,544 investors, €57.9M+ repaid (maclear.ch) | Business loans (registration FAQ, 3 Aug 2026) |
| CivisLend | Registered on 6 October 2017 as a CNMV platform, by its own statement (statistics page) | €361 million financed across 183 projects (company release, 22 Jul 2026) | Real estate developer loans; first-half 2026 projects included hotels, garages, industrial units, rural land, commercial premises and luxury assets (same release) |
| BienPrêter | Company created 31 Oct 2017, launched 26 Nov 2018 (2025 annual report) | €440,916,942 "nominal financé" since 1 Jan 2018, 4,969 projects (statistics, updated 2 Oct 2026) | Business projects financed as "crowdfactoring" (home page) |
Live counters change between reads. For example, Maclear's counters moved from €158.4M+ and 56,435 investors to the figures above between two reads on 3 October 2026. Every live counter in the table is a reading. Therefore, none is a fixed total.
Minimum investment, exit route and investor residence on the same ten platforms
Minimums run from €1 to €250. However, the units differ between per loan, per project and per account. In addition, the residence column quotes what each platform's own page states.
| Platform | Minimum investment | Exit route as stated | Investor residence as stated |
|---|---|---|---|
| Mintos | €50 on the primary market, €1 on the secondary (help, 17 Aug 2026) | Secondary market for Notes only since 1 Jul 2022 (help, 7 May 2026); a sale depends on finding a buyer (home page) | EEA, EU or Swiss citizens and residents aged 18 or over; UK residents and US nationals cannot register (help, 24 Jul 2025) |
| Go & Grow | €1 (home page) | Withdrawals at any time, with partial payouts when liquidity is short (statistics page footer) | n/a |
| PeerBerry | €10 (home page) | Secondary market opened 15 Jan 2026, desktop only at launch (PeerBerry); sale only after 180 days (help) | n/a |
| Debitum | €10 (FAQ, 5 Dec 2025) | No secondary market, per the FAQ of 29 Apr 2026; Debitum Flow Notes allow withdrawal requests up to €5,000 a week (blog, 11 Sep 2026) | Global investors who comply with Debitum's local legislation (FAQ, 5 Dec 2025) |
| Estateguru | €50 per project (blog) | "Trade" section for buying and selling on the secondary market (home page) | Has served investors from over 100 countries (blog, 9 Mar 2026) |
| Robocash | €10 (About) | Secondary market listed among free operations (home page FAQ) | EU, UK or Swiss residents aged 18 or over with a bank account there (how it works) |
| Lendermarket | €10 per loan (FAQ) | Auto Invest FLEX exit request, subject to approval, a 3.5% fee and up to ten working days to reach the available balance (help centre) | Individuals aged 18 or over with a bank account in the EEA or Switzerland and tax residence in the EU or Switzerland (help centre) |
| Maclear | €50 (FAQ, 3 Aug 2026) | 14-day listings, €30 minimum on the secondary market (FAQ, 3 Aug 2026) | Private investors and legal entities residing in 44 countries across Europe, the EEA and the UK (FAQ, 3 Aug 2026) |
| CivisLend | €250 per project (FAQ) | Capital cannot be recovered before the project ends once the funding target is reached (FAQ) | Residents of any country; investors outside the EU need a Spanish foreigner number, the NIE (FAQ) |
| BienPrêter | €20 (home page) | BP Flex resale before maturity, in whole or in part (BP Flex) | n/a |
UK and non-EU access on the three platforms that state it
Three of the ten pages name the United Kingdom or its residents.
- Mintos states on its help page of 24 July 2025 that UK residents cannot register or invest.
- Robocash accepts residents of the EU, the UK or Switzerland who hold a bank account in that region. Its how-it-works page also sets 18 as the minimum age.
- Maclear's registration FAQ lists the UK among 44 countries of residence.
Licence details behind that access, including the FCA rules that apply to UK platforms, sit in who licenses which platform.
Cumulative volume against outstanding portfolio on Robocash, PeerBerry and Go & Grow
A cumulative figure adds up every loan ever funded, while an outstanding figure shows what is on the books now. Still, Robocash and PeerBerry publish both kinds on their own pages, and Go & Grow publishes two related measures.
| Platform | Cumulative figure | Current-stock figure | Stock as a share of cumulative |
|---|---|---|---|
| Robocash | €1,384,943,814 invested through the platform | €68,219,116.04 outstanding portfolio | 4.9% |
| PeerBerry | €3,556,853,543 total invested | €81,950,480 of real estate loans, 51.98% of outstanding, which implies about €157.7M outstanding in total | 4.4% |
Shares in the last column are arithmetic on figures taken on 3 October 2026 from Robocash and PeerBerry. Likewise, Go & Grow's page shows a gap between two measures. That page gives €2.27 billion invested in Go & Grow against €1.88 billion in Bondora loans issued.
Published loan terms on European P2P platforms
Terms range from days to years, so each platform's basis needs reading on its own.
- Robocash's originators page lists consumer loans of 7 to 180 days (Big Loan) and 7 to 183 days (Digido).
- Estateguru's blog gives typical terms of 12 to 18 months for property-backed loans.
- CivisLend's July 2026 release reports a 16-month average term for projects financed in the first half of 2026.
- BienPrêter's statistics show a weighted contractual average of 17 months since 2018 and an actual average of 13 months.
- Debitum Flow Notes have a 5-year maturity with an option to request a withdrawal earlier.
Buyback, provision fund and mortgage security as each platform words it
Platforms protect investors in three different ways: a buyback by the loan originator, a fund filled by the platform, or security over an asset. Wording in the table is each platform's own.
| Platform | Mechanism as stated | Trigger or scope |
|---|---|---|
| Mintos | Buyback obligation, a credit enhancement for a particular loan. The lending company or a group entity gives it to the Note issuer (help, 7 Dec 2022) | Loan more than 60 days late; the page scopes it to Notes |
| PeerBerry | Loan originator buys back in full with accrued interest, plus an additional group guarantee (help) | Borrower more than 60 days late; force majeure may affect both guarantees |
| Lendermarket | Loan originator repays principal plus accrued interest (FAQ) | Borrower more than 60 days late |
| Robocash | Loan originator repurchases the claim (how it works) | No later than 30 days after the due date |
| Debitum | The partner that issued the loan has the option to buy it back (FAQ, 4 Dec 2025) | Loan in the recovery stage; pays remaining principal and interest earned to the trigger date |
| Maclear | Provision Fund filled with 2% of each funded project (FAQ, 10 Sep 2026; terms clause 3.9) | Covers losses on interest and/or principal to the extent funds are available. A delay over 3 days triggers interest payments from the fund. Grant Thornton AG audits it |
| Estateguru | Estateguru says most property-backed loans carry first-rank mortgage security; the rank is stated in each project's documents (blog, property-backed loans) | Per project |
| CivisLend | Mortgages, corporate sureties and share pledges, depending on the deal (FAQ) | Per project |
| BienPrêter | Up to 11 listed security mechanisms (guarantees page) | Chosen per project |
For fees on these platforms see P2P lending explained, and for a checklist applied to any platform see how to choose a crowdlending platform.
European P2P platform comparison FAQ
How large are the cumulative volumes that European P2P platforms publish?
Mintos reports €13 billion "total invested" on its statistics page read 3 October 2026, PeerBerry €3.56 billion, Estateguru €969 million and Maclear €158.9 million. Each platform counts a different measure, which makes the figures incomparable as a ranking. The Mintos website also shows €800m+ in assets under management, a separate measure from cumulative volume.
How much money does it take to start on a European P2P platform?
The minimum is between €1 and €250 on the ten platforms read. Go & Grow is at €1, and PeerBerry, Debitum, Robocash and Lendermarket are at €10. BienPrêter is at €20, Mintos, Estateguru and Maclear are at €50, and CivisLend is at €250 per project.
Can UK residents invest on European P2P platforms?
It depends on the platform. Mintos states that UK residents cannot register or invest (help page, 24 July 2025). Robocash accepts residents of the EU, the UK or Switzerland. Maclear lists the UK among its 44 countries of residence (FAQ, 3 August 2026). In the licence article linked above, the FCA rules that apply to UK platforms and the FSCS position are covered.
Does every European P2P platform have a secondary market?
No. Debitum's FAQ of 29 April 2026 says it does not currently offer one. However, Mintos (Notes only), PeerBerry (after 180 days), Estateguru, Robocash, Maclear (14-day listings) and BienPrêter (BP Flex) describe one.
What separates a buyback guarantee from a provision fund?
A buyback guarantee is an obligation of the loan originator to repurchase a late loan, as PeerBerry's 60-day and Robocash's 30-day terms show. A provision fund is a pool the platform fills, which at Maclear takes 2% of each funded project. Maclear's FAQ of 10 September 2026 says its fund is not an insurance scheme and does not legally guarantee full repayment of interest or principal.