Plataforma neerlandesa de impact lending que financia PMEs em mercados emergentes a partir de 10 €.
A Lendahand é uma plataforma de crowdlending sediada em Roterdão que canaliza capital de investidores particulares para PMEs em mercados emergentes, com forte ênfase em impacto social e climático. A operar desde 2013 sob licença ECSP, permite a investidores apoiar pequenas empresas e projetos de energia limpa a partir de 10 €.
Lendahand is a sme crowdfunding platform headquartered in Netherlands. Retail and accredited investors fund debt opportunities project-by-project — either manually after reading the disclosure pack, or via an auto-invest strategy that allocates across new deals according to your filters (yield, term, region, originator score). The platform handles deal sourcing, underwriting, KYC and ongoing servicing on behalf of every investor on its cap table.
Each deal is presented with a project page that includes the borrower / sponsor identity, the use of funds, the security or collateral structure, the headline yield and the repayment schedule. Minimum ticket sizes start at €10 and typical deal terms run 12-24 months. When a deal is fully funded, capital is released to the borrower and scheduled returns (interest, dividends, capital amortisation) post to your investor account on the dates specified in the loan agreement.
Operations are supervised by AFM (Netherlands). Supervision covers conduct, disclosure, segregation of investor cash, marketing standards and the platform’s own capital adequacy — it does not, however, guarantee that an individual deal will perform as advertised. Investors retain full project-level risk on every loan or equity stake they buy.
Once an investor has built a portfolio of 20–30 positions, performance is best assessed against the platform’s historical default rate, recovery rate on workouts, and the relative performance of its loan book through prior macro cycles. Reinvestment can be automated to compound returns; withdrawals go out via SEPA or local bank transfer to the account on file, usually within 1–3 business days for available cash.
The platform advertises target gross yields in the 4–8% APR band. Realised net returns on a diversified portfolio typically run 1–3 percentage points below the headline range once defaults, cash drag and fees are taken into account.
Track record is best read against the Netherlands macro context — local interest rates, property cycle and employment data move loan-default rates in real time. Investors should diversify across at least 20–30 loans before extrapolating any single year of returns.
Suited to investors wanting direct exposure to sme opportunities with a 12-24 months horizon, comfortable with default risk and limited liquidity. Minimum ticket from €10. Recommended portfolio size: 20–30 deals for adequate diversification; treat as a complement to traditional fixed-income, not a substitute.
Capital at risk. Investments on Lendahand are not bank deposits and are not covered by any deposit-guarantee scheme (FGD in Spain, FGDR in France, gli istituti di garanzia in Italy, etc.). You can lose part or all of your capital.
Default risk. Borrowers may stop paying. Even with collateral or buyback, recovery is slow and partial in stressed scenarios.
Liquidity risk. There is no secondary market — invested capital is locked until the loan or project reaches maturity.
Tax. Interest and capital gains are taxable in your country of residence. Most European platforms do not withhold automatically.
support@www.lendahand.com — confirm on the platform’s contact page before sending sensitive information.Lendahand operates under supervision of AFM (Netherlands). Supervision covers conduct, disclosure, segregation of investor cash and minimum capital requirements. It does not guarantee that any individual deal will perform as advertised — investors retain full project-level risk on every position they hold.
The minimum ticket per deal is €10. There is no upper limit for retail accounts; institutional tickets are arranged separately with the platform.
Advertised gross yields are 8% p.a.. Realised net returns depend on default rates, cash drag (money waiting between deals) and any servicing fees — expect actual portfolio returns 1–3 percentage points below the headline range after a full investment cycle.
Available cash typically arrives via SEPA or local bank transfer within 1–3 business days. Funds locked in active deals only return as borrowers repay; there is no secondary market, so plan on holding to maturity.
In an underwriting failure, the platform pursues the contractual recovery path — collateral realisation, debt-collection enforcement or court proceedings, with workouts typically taking 12–24 months. Recovery is rarely 100 %, and investors should size positions accordingly.
Investor cash held on the platform is segregated from Lendahand’s own balance sheet, as required by the rules of AFM (Netherlands). In an insolvency, cash should be returned to investors and outstanding loans transferred to a runoff administrator who continues to collect repayments on investors’ behalf. The process can take 12–24 months and recovery is rarely 100 %, but the loans you own remain your property, not the platform’s.
Yes — interest, dividends and realised capital gains are taxable in your country of residence. Most platforms do not withhold automatically; investors report the income in their annual tax return and may apply double-tax-treaty relief where available.
Typical project duration is 12-24 months. Longer durations generally pay higher headline yields but lock capital for longer and increase exposure to macro cycles; shorter durations offer faster reinvestment but reset rates more often.
A common rule of thumb is 20–30 positions to absorb single-deal default risk. Below 10 positions, one bad loan can wipe out a year of returns; above 30 the marginal benefit of further diversification flattens. Auto-invest rules make this easy to maintain over time.
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It feels great to help other entrepreneurs in developing counters to build their company
Great platform, very well designed. Also, I believe in the model of microfinancing. I invest in many different projects and with it i am spreading any risks but apart from exchange rate risks so far all payments were done in time.
Goede instelling om positie van mensen te verbeteren door leningen die ze terug betalen met rente. Win win situatie.
Lendahand is great in supporting initiatives in underdeveloped countries. It feels great to contribute to that and receive a good return on investment.
Teveel verlies geleden.
Les projets sont socialement et économiquement utiles
Le but et l'impact des projets sont bien expliqués. Le bénéfice du projet est clair. Le risque de l'investissement est bien mentionné et même rappellé au moment du paiement. Le site est intuitif : il est très facile de procéder à un investissement et de suivre la situation de chaque investissement.
I am grateful that I'm able to support people who try to make their and other lives better. Though I don't have a big amount of money, I feel that my investments are imporant. So I will continue.
Over de jaren heen in heel wat projecten gestort (meestal bedragen rond de 150 a 250 euro per project). Jammer genoeg zijn er hier en daar een paar afgeschreven of serieus afgewaardeerd (waarvoor ik per maand nog een paar eurocent krijg)... Het positieve is wel dat ze relatief open communiceren, het negatieve is dat ik op een totaal van 5000 euro zo'n 100 euro verlies heb i.p.v. winst, terwijl ik nochtans heb verspreid in heel veel verschillende projectjes.
Ik wil graag mee werken aan de opbouw van personen die in het leven vooruit willen, maar die van hogerhand tegen gewerkt worden (banken, instellingen) omdat zij de middelen zelf niet hebben, gelukkig ben ik in de omstandigheid dat ik een klein steentje bij kan dragen in de behoefte van personen die vooruit willen. Toen ik zelf, zelfstandig wilde worden werd ik ook niet geholpen, toen ik het geld niet meer nodig had kwamen ze vragen of ik soms nog wat wilde lenen (ja, uiteraard wel met een onderpand) , dat is de omgekeerde wereld. Vandaar dat ik personen wil helpen, die het nodig hebben.
Helping women and their familys to provide a better life and future.
sinds een maand stort ik in de diverse projecten een bedrag en volg de prestaties van Lenda. Iki heb er vertrouwen in dat de projecten alles terugbetalen met de beloofde rente,maar dat blijk dan pas over 2 jaar.Ik heb dan wel de voldoening dat ik anderen help hun levensomstandigheid te verbeteren.Dat is voor mij wel het risiko waard.