What changed
The portfolio in figures
- five main categories: short-term, long-term, business, leasing and real-estate loans;
- 34 loan originators across 16 countries;
- the share of short-term loans increased from approximately 7% at the start of 2026 to 19.5%.
How exposure is distributed
The offering includes originators associated with Aventus Group, Gofingo Group, SIB Group, Lithome and Litelektra. Investors can combine different originators, countries, loan types and maturities.
What this means for investors
A broader supply makes it easier to spread investments across markets and loan types. However, the number of originators should not automatically be treated as full corporate diversification because multiple lenders may belong to the same business group.
Investor Impact
Diversification: ↑
More countries, originators, maturities and loan types create additional allocation options.
Concentration: ↔
Many originators remain connected to a limited number of business groups.
Returns: ↔
Portfolio growth does not represent a platform-wide change in interest rates.
Liquidity: ↔
A larger supply does not guarantee a faster exit from an individual investment.
Important: portfolio size and variety are measures of scale, not guarantees of lower risk. Investors should monitor concentration by business group, lender solvency, buyback and group-guarantee terms, and actual liquidity.
Impact on the P2P Investitor Score
No change in the Score. A larger portfolio and a higher number of originators do not change the rating unless a measurable methodology criterion has changed.