Best-of listing · 13 platforms

Best buyback-backed P2P platforms

Platforms in the «Best buyback-backed P2P platforms» category, ordered by overall score. Open any entry for an in-depth review and the full record of investor feedback.

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Composite of verified investor reviews, editorial review and regulatory standing.

01
CivisLend
Real estate · Spain · since 2017 · ECSP · Asset-backed (mortgage / collateral)
6.0% return
210 reviews
4.50 /5
02
Crowdpear
Real estate · Lithuania · since 2021 · ECSP · Asset-backed (mortgage / collateral)
11.0% return
26 reviews
4.10 /5
03
Mintos
Real estate · Latvia · since 2015 · MiFID II · Group-level buyback
11.7% return
500 reviews
4.00 /5
04
Income Marketplace
Consumer loans · Estonia · since 2020 · EFSA (Estonia) · 60-day buyback
12.0% return
63 reviews
4.00 /5
05
Robocash
SME · Croatia · since 2018 · ECSP · 30-day buyback
10.5% return
215 reviews
4.00 /5
06
Lendermarket
SME · Ireland · since 2016 · ECSP · 60-day buyback
15.6% return
500 reviews
4.00 /5
07
InRento
Real estate · Lithuania · since 2020 · ECSP · Asset-backed (mortgage / collateral)
12.4% return
42 reviews
4.00 /5
08
Profitus
Real estate · Lithuania · since 2017 · ECSP · Asset-backed (mortgage / collateral)
11.4% return
206 reviews
4.00 /5
09
PeerBerry
Real estate · Croatia · since 2017 · ECSP · Group-level buyback
11.0% return
319 reviews
3.50 /5
10
Esketit
Personal loans · Ireland · since 2020 · ECSP · 60-day buyback
12.9% return
256 reviews
3.50 /5
11
Indemo
Mortgages · Latvia · since 2022 · Bank of Latvia · Asset-backed (mortgage / collateral)
15.1% return
135 reviews
3.50 /5
12
Debitum
SME · Latvia · since 2018 · ISP · 60-day buyback
11.0% return
0 reviews
3.50 /5
13
Twino
Real estate · Latvia · since 2015 · ISP · 60-day buyback
12.0% return
101 reviews
3.00 /5
Pros
  • Smoother reported returns.
  • Less administrative work on defaulted loans.
  • Useful proxy for originator confidence.
Risks
  • Buyback can mask weak underlying loan quality.
  • Several originators have failed since 2020 — buyback failures are real, not theoretical.
  • Group-level buyback ≠ deal-level buyback. Read the fine print.
How to choose

Picking a platform in «Best buyback-backed P2P platforms».

Diversify across 5+ originators minimum. Check published financials — equity ratio, profitability, leverage. A buyback from an unprofitable originator is little more than marketing.

FAQ

Frequently asked.

What happens if the originator cannot honour the buyback?

The platform pursues collection on the original loan — usually consumer or SME debt — and may eventually return some pennies on the euro. Multiple high-profile failures (Eurocent, Aforti, Akulaku, Capital Service, ExpressCredit) have shown 0–30 % recovery in practice.

Related collections
Best crowdlending platforms Best real-estate crowdfunding platforms Best SME crowdlending platforms Best consumer crowdlending platforms Best P2P platforms with a secondary market Best auto-invest crowdlending platforms Best ECSP-licensed crowdlending platforms Real-estate crowdfunding SME / business crowdlending Consumer crowdlending Crowdlending in Spain Crowdlending in Latvia