P2P Lending & Crowdfunding Platforms — Full Directory
Compiled by Thomas Lovas Lokoy — researched and drafted with AI assistance from published sources; edited and published by NorwegianSpark SA · Last reviewed: July 2026
The 30 peer-to-peer lending and crowdfunding platforms we currently track — property-backed, agricultural, consumer and business models in one place. The most established, broad-availability names are featured first; the full directory follows. Descriptions cover what each platform does; we do not quote returns, because advertised rates are not guaranteed.
We also publish the regulatory status of each platform — the operator entity, jurisdiction and financial licence, read from each operator’s own site and dated. Four of these platforms hold an EU crowdfunding licence; others are licensed under a different regime, and one states it holds no financial-services licence at all.
Some links on this page are affiliate links: NorwegianSpark may earn a commission if you open an account, at no extra cost to you. Our selection and ordering are editorial and independent of commission. See our disclosure. This page is information, not financial advice.
Capital at risk
Investing in P2P loans and crowdfunding puts your capital at risk — you may lose some or all of the money you invest. Advertised or historical returns are not guaranteed and are not a reliable indicator of future results. These platforms are not banks and are not covered by any deposit-guarantee scheme; your money can be illiquid and a platform can fail. Availability and eligibility vary by country. This is information, not financial advice.
Featured platforms
The most established and broadly available platforms we track. Featuring is editorial — it is not a safety rating, and it does not mean lower risk.
EstateGuru
Bridge and development loans secured against real estate — one of the most documented names in property-backed P2P. “Secured” reduces but does not remove the risk of loss.
Capital at risk · not deposit-protected
Visit EstateGuru →Lendermarket
Invest in short-term consumer loans from established originators, typically with a buyback arrangement. A buyback is an originator promise, not a guarantee of return.
⚠ EU or Switzerland tax residents only
Capital at risk · not deposit-protected
Visit Lendermarket →LANDE
Loans to farmers and agribusiness secured against land, machinery and crops — collateral with a different risk profile from the property cycle.
Capital at risk · not deposit-protected
Visit LANDE →Hive5
A newer marketplace offering short-term consumer and business loans. Newer platforms carry less operating history to assess.
Capital at risk · not deposit-protected
Visit Hive5 →robo.cash
Fully automated investing into buyback-backed consumer loans within a single group structure — simpler to run, but concentrated in one corporate family. robo.cash states on its own site that it “is not regulated under any financial services license.”
⚠ EU, UK and Switzerland residents only
Capital at risk · not deposit-protected
Visit robo.cash →TWINO
One of Europe's longest-running consumer-loan marketplaces, with buyback on most listings and a long operating history through several credit cycles.
Capital at risk · not deposit-protected
Visit TWINO →Crowdpear
Secured business and property loans for investors who want collateral behind their lending. Collateral lowers, but does not remove, default risk.
⚠ Worldwide, except FATF / EU high-risk jurisdictions
Capital at risk · not deposit-protected
Visit Crowdpear →Debitum
Funds loans to small and medium-sized businesses — a different borrower class from consumer marketplaces, which behaves differently in a downturn.
Capital at risk · not deposit-protected
Visit Debitum →InRento
Rental-property crowdfunding for investors seeking real-estate exposure through a platform rather than direct ownership.
⚠ Not available in Norway
Capital at risk · not deposit-protected
Visit InRento →Lonvest
Short-duration consumer loans with buyback cover and brief commitment windows, aimed at investors who value shorter lock-ins. Lonvest states that it is “operating within the Croatian jurisdiction, which allows platforms like ours to operate without a formal license.”
Capital at risk · not deposit-protected
Visit Lonvest →Monefit SmartSaver
A flexible, liquidity-friendly crowdlending product with no long fixed lock-in. It is not a bank deposit and carries no deposit protection.
Capital at risk · not deposit-protected
Visit Monefit SmartSaver →Nectaro
A Bank of Latvia-licensed platform offering consumer-loan investments with buyback obligations from its originators — regulatory oversight is still uneven across the sector, so the investment-firm licence is a meaningful distinction. No live secondary market yet, so treat positions as hold-to-maturity.
Capital at risk · not deposit-protected
Visit Nectaro →Loanch
A newer entrant offering short-term consumer loans. Its smaller scale means less historical data to rely on.
Capital at risk · not deposit-protected
Visit Loanch →All platforms we track
The featured platforms above plus the 17 below make up every P2P lending and crowdfunding platform we currently track. Availability varies by country — most are EU/EEA platforms — so check eligibility on each platform before investing.
| Platform | Type / model | Availability | |
|---|---|---|---|
| AxiaFunder | Specialist crowdfunding | UK (FCA) — sophisticated and high-net-worth investors only. Don't invest unless you're prepared to lose all the money you invest. This is a high-risk investment and you are unlikely to be protected if something goes wrong. Losses can exceed the invested amount. | Visit |
| Asterra Estate — Launch | Real-estate crowdfunding | EU/EEA — check eligibility | Visit |
| Asterra Estate — Thrive | Real-estate crowdfunding | EU/EEA — check eligibility | Visit |
| InSoil Finance | Agricultural / farm lending | EU/EEA — check eligibility | Visit |
| Fintown | Real-estate-linked notes | EU/EEA — check eligibility | Visit |
| Smart Crowd | Real-estate crowdfunding | Dubai property (DFSA-regulated) — not an EU/EEA platform | Visit |
| Norgehouse | Property crowdfunding | EU/EEA — check eligibility | Visit |
| TD Funding | European crowdlending / crowdfunding | EU/EEA — check eligibility | Visit |
| Modena | European crowdlending / crowdfunding | EEA residents only | Visit |
| FF Forest | European crowdlending / crowdfunding | EU/EEA — check eligibility | Visit |
| Devon | European crowdlending / crowdfunding | EU/EEA — check eligibility | Visit |
| Digilo | European crowdlending / crowdfunding | EEA residents only | Visit |
| Mypeak | European crowdlending / crowdfunding | EU/EEA — check eligibility | Visit |
| Bricks Funding | Property-backed corporate bonds | Czechia and Slovakia only | Visit |
| Millea | Retail & commercial property financing | EU/EEA — check eligibility | Visit |
| Silvaland | Forestry investment | EU/EEA — check eligibility | Visit |
| 7Harvests | Diversified loan investing | Swiss platform — availability varies by country of residence | Visit |
AxiaFunder
Specialist crowdfunding
UK (FCA) — sophisticated and high-net-worth investors only. Don't invest unless you're prepared to lose all the money you invest. This is a high-risk investment and you are unlikely to be protected if something goes wrong. Losses can exceed the invested amount.
Visit AxiaFunderAsterra Estate — Launch
Real-estate crowdfunding
EU/EEA — check eligibility
Visit Asterra Estate — LaunchAsterra Estate — Thrive
Real-estate crowdfunding
EU/EEA — check eligibility
Visit Asterra Estate — ThriveSmart Crowd
Real-estate crowdfunding
Dubai property (DFSA-regulated) — not an EU/EEA platform
Visit Smart Crowd7Harvests
Diversified loan investing
Swiss platform — availability varies by country of residence
Visit 7HarvestsCapital at risk. P2P lending and crowdfunding are not savings accounts. Your capital is at risk, returns are not guaranteed, loans can default, funds can be illiquid and platforms can fail. A buyback guarantee is a promise from a loan originator that fails exactly when the originator becomes insolvent.
Availability. Most of these are EU/EEA platforms and eligibility varies by country — some do not accept residents of every country, including Norway. Always confirm availability, regulation and terms directly with the platform before opening an account.
This directory is general information, not financial advice or a recommendation to invest in any platform. Our selection is independent of commission — see our disclosure.
Millea: Investing involves risk. You may lose some or all of the capital invested. Returns are not guaranteed and depend on the borrower's ability to repay and, where relevant, the value and enforceability of collateral. Millea OÜ is not authorised or supervised as a crowdfunding service provider or investment firm. Information is for informational purposes only and does not constitute an offer; any offer is made only upon request to an eligible registered user and subject to applicable law.