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Compiled by NorwegianSpark Editorial — written with AI assistance and reviewed by the NorwegianSpark SA editorial team · Last reviewed: July 2026
The 31 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 Descriptions cover what each platform does; we do not quote returns, because advertised rates are not guaranteed.
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.
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.
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.
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 →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.
Capital at risk · not deposit-protected
Visit Lendermarket →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 →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 →Fully automated investing into buyback-backed consumer loans within a single group structure — simpler to run, but concentrated in one corporate family.
Capital at risk · not deposit-protected
Visit robo.cash →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 →Secured business and property loans for investors who want collateral behind their lending. Collateral lowers, but does not remove, default risk.
Capital at risk · not deposit-protected
Visit Crowdpear →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 →Property-linked crowdfunding for investors seeking real-estate exposure through a platform rather than direct ownership.
Capital at risk · not deposit-protected
Visit FinForta →Short-duration consumer loans with buyback cover and brief commitment windows, aimed at investors who value shorter lock-ins.
Capital at risk · not deposit-protected
Visit Lonvest →A newer EU-focused crowdlending platform positioning on transparency and compliance. As with any young platform, start small and verify reporting.
Capital at risk · not deposit-protected
Visit Maclear →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 →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 →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 →Crowdlending into business loans for investors seeking exposure to SME borrowers through a single platform.
Capital at risk · not deposit-protected
Visit 8lends →The featured platforms above plus the 16 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 | EU/EEA — check eligibility | Visit |
| Brickstarter | Short-term-rental crowdfunding | EU/EEA — check eligibility | Visit |
| Asterra Estate — Launch | Real-estate crowdfunding | EU/EEA — check eligibility | Visit |
| Asterra Estate — Thrive | Real-estate crowdfunding | EU/EEA — check eligibility | Visit |
| InRento | Rental-property crowdfunding | Not available in Norway | 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 | EU/EEA — check eligibility | Visit |
| Norgehouse | Property crowdfunding | EU/EEA — check eligibility | Visit |
| TD Funding | European crowdlending / crowdfunding | EU/EEA — check eligibility | Visit |
| Modena | European crowdlending / crowdfunding | EU/EEA — check eligibility | Visit |
| FF Forest | European crowdlending / crowdfunding | EU/EEA — check eligibility | Visit |
| Devon | European crowdlending / crowdfunding | EU/EEA — check eligibility | Visit |
| Digilo | European crowdlending / crowdfunding | EU/EEA — check eligibility | Visit |
| Mypeak | European crowdlending / crowdfunding | EU/EEA — check eligibility | Visit |
| Revest | European crowdlending / crowdfunding | Not available in Norway | Visit |
Real-estate crowdfunding
EU/EEA — check eligibility
Visit Asterra Estate — LaunchReal-estate crowdfunding
EU/EEA — check eligibility
Visit Asterra Estate — ThriveCapital 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.