Corporate P2P investing in Europe

Investing in P2P credit is an interesting to get a much better yield than with a classic saving account. 10% and higher are the norm rather than the exception.
If you live in a country without strict CFC rules you can take it a step further and set up a corporation in Estonia. Estonia's e-residency makes it very easy to establish and run a corporation from abroad. Literally zero paperwork. On top of that Estonia's corporate income tax is 0% as long as you keep the money in the company. Here we give some insights into actually investing through some of the P2P lending platforms.


Around 2007 Lending Club started filling the gaps left by banks.


Investing in short term "loanshark" style loans can feel wrong. The other side of this is that the more investment money flows into this, the lower the actual interest rates for borrowers will be.

Risks and disadvantages

There are several risks related to P2P investing:

  1. Platform goes bust. This has happened. It's preferable to invest through platforms that have been around a while, and to invest through more than one different platform.
  2. Borrowers default on your loans. To avoid this you usually spread your investment over many loans. It's also good to spread over loans with different risk categories. With some platforms you can go as low as 1€ per loan. With others the minimum is 100€ or more.
  3. Cash drag: if your money is not (re)invested quickly enough you don't get any interest.
  4. Currency exchange risk. If you invest through Mintos you can invest in loans in a dozen different currencies. This can of course also be turned into an advantage if you want to spread your money over various currencies (but there are fees).

P2P investment platforms we tried


Bondora is an Estonian p2p lending platform. Investing in p2p loans through Bondora is quite easy. The downside is that Bondora does not have a buyback guarantee. The upside is that you can diversify into many loans as the minimum investment per loan is only 1€.


Mintos is a Latvian platform, one of the biggest in Eastern Europe.


Twino is also based in Latvia. We've experienced small bugs with their auto invest feature so it's hard to recommend this platform currently.


Estateguru is an Estonian real estate loans platform. The downsides of Estateguru is the cash drag.


Crowdestate is another Estonian real estate platform, with even less possible investments than Estateguru.

Other options

We also looked into platforms in other countries, but the encountered bureaucracy was significantly more cumbersome than with the Baltic platforms:

  • Auxmoney - German, silly paper demands
  • Lendix - French, only allows corporate entitities investing more than 100k€
  • Fellow Finance - Finnish - in progress, requires a "board decision"
  • Fixura - Finland - not looked into yet

Home exchange

Taking part in home exchange programs can be a great way to travel and spend less money all the while enjoying the comforts of a well equipped house or apartment. The concept is also called "house swapping" at times. It's an alternative to hotels, websites like AirBnB or hospitality exchange. It's often considered one of the first systems of collaborative consumption. It's great way to save on accommodation costs and it can also be a good way to have someone take care of your cats and plants while you're away.

How to save money on groceries

There are two things sure in life, death and taxes. And actually, there is a third thing we can be sure of: inflation. Over time prices of almost all products are rising. This is especially obvious with groceries. World food prices have been rising more steadily in recent years. And you might feel that in your wallet. Saving money on groceries is a good way to get around it. How to save money on groceries?

Cheap Personal Loans without income proof

Cheap loans, cheap equity loans, cheap home equity loans, cheap mortgage loans and cheap student loans without a cosigner are available online as well as through various financial institutions in every main street in the USA, UK and Australia. Similar offers for fast cheap loans can also be found via online vendors, including cheap payday loans online and cheap refinance loans online. Remember that what seems cheap at a first glance could become too expensive for you to carry in the future.

Free credit report

Free credit reports have never been easier to get. You can still go the traditional route and pay for them, and then wait to get them in the mail. Or now you can get them online instantly and best of all for free. Now you can get access your credit history anytime you want and anywhere you want.

Car sharing

No money to buy a car? Be glad, because without a car you have fewer problems. You could try car sharing instead. Car sharing is a global trend and it can be a pretty good option besides public transport or even hitchhiking. Car sharing is a relatively good solution for saving money. Sharing a car without money is only possible if you're driving a sponsored car or if you have a friend who lets you use their car.

How to Save on Car Insurance

When it comes to purchasing auto insurance, grabbing as many discounts as possible is the most effective way to reduce your monthly premiums. Most of the major carriers offer similar discounts if you qualify but if you don’t ask, chances are they will not be offered. So, how to save on car insurance?