Period: July 2026 · Published: 25 August 2026This analysis summarises official operating and financial information published by the platforms through 25 August 2026. PeerBerry and LANDE figures cover July, while the latest Go & Grow monthly report reviewed covers June. The indicators are not fully comparable and should be treated as signals rather than a ranking.
Key takeaways
Investment activity: ↑
PeerBerry reported €41.6m in loans funded during July and a €144.27m outstanding portfolio. The figures indicate strong demand and a larger supply of loans.
Recoveries: positive signal
TWINO completed the recovery of the remaining funds linked to Moneza Russia claims. This is a tangible result for affected investors, but it does not remove future credit risk.
Financial results: context required
Sandfield Capital reported €5.3m in revenue and a €2.4m net profit for 2025. According to the official publication, the improvement was driven mainly by a write-back of accrued but unpaid salaries for former management board members. Equity remained negative at −€0.2m.
Bonuses and promotions: ≠ lower risk
Loanch’s updated Loyalty Programme and First Investment Bonus may increase nominal returns, but they do not automatically improve credit quality or liquidity.
Platform overview
PeerBerry
- €41.6m in loans funded during July;
- €144.27m outstanding portfolio at month-end;
- more than €1.1m in interest earned by investors;
- more than 121,000 verified users.
Main risk: exposure to connected lending groups and reliance on buyback and group guarantees.
Go & Grow / Bondora
- €40.36m added by customers in June;
- €3.73m in returns credited;
- €43.39m in new loan originations by Bondora Group.
Main risk: product liquidity and the quality of the underlying loan portfolio.
Income / Sandfield Capital
Revenue reached €5.3m in 2025 and net profit was €2.4m. However, the result was driven mainly by an accounting write-back, while equity remained negative at −€0.2m. The profit should therefore not be treated on its own as proof of improved solvency.
Main risk: the lender remains the source of credit risk regardless of the platform’s protection mechanisms.
TWINO
TWINO states that all remaining principal and interest linked to Moneza Russia were recovered and paid, reducing exposure to zero. A new feature can automatically move eligible repayments to FLEXI. If the funds cannot be invested immediately, they remain as FLEXI Cash and do not earn interest.
Main risk: automation does not turn FLEXI into a bank deposit or guarantee immediate liquidity under stress.
LANDE
The official July report covers new loan issuance, debt recovery and key platform developments. These updates help track momentum, but they are not sufficient without detail on arrears and funds actually recovered.
Main risk: agricultural projects are sensitive to seasonality, prices, weather and the practical enforcement of collateral.
Loanch
From 1 July, the Loyalty Programme has six tiers — from Iron at a €3,000 portfolio with +0.25% to Diamond at €80,000 with +1.50%. Loanch’s July update also reports a €20 bonus after a first qualifying investment.
Main risk: a higher bonus rate does not reduce credit risk, and pursuing it may create excessive concentration on one platform.
Overall market assessment
Scale and availability: positive
Higher volumes indicate an active market and more opportunities to deploy capital.
Credit risk: no proven change
A larger portfolio and interest already paid do not demonstrate improved loan quality.
Liquidity: product-specific
A secondary market, FLEXI or a product offering flexible withdrawals does not guarantee liquidity under stress.
Transparency: key criterion
Regular data on arrears, recoveries, lenders and concentration is more useful than an advertised headline return.
What to watch next month
- whether portfolio growth is accompanied by stable repayments;
- the trend in arrears and funds actually recovered;
- concentration by lender and connected business group;
- exit conditions and secondary-market behaviour;
- new financial statements and changes in regulatory status.
Important: the indicators use different reporting periods and methodologies. This material is for information only and does not constitute investment advice. Historical results, interest already paid and promotional bonuses do not guarantee future returns.