Last Update:
27/09/2025
€117,181.12
Total portfolio amount
FAQ About The Portfolio
What is IRR?
IRR represents the internal return rate, a discount rate that makes the net present value (NPV) of all cash flows equal to zero in a discounted cash flow analysis. In short, it helps calculate the portfolio's profitability over a specific period. This rate also considers cash drag, periodic changes in the interest rate, and delayed loan repayments. The IRR shown in our portfolio has been calculated monthly for the past 12 months.
What's the difference between Active, Testing and Exiting?
The active portfolio signifies where most of its profits are reinvested. On the other hand, testing portfolios refer to those where no additional investments are made. When the portfolio is labeled as "Exiting," that implies the withdrawal of all funds is ongoing.
Why does the investment period matter?
In order to gain a comprehensive understanding of any platform, it is important for investors to invest over time and gather experience in both prosperous and turbulent economic cycles.
Should I just copy your portfolio?
We never recommend blindly following any investment strategy. Our risk appetite might differ from yours. Always do your research before deciding to invest money in P2P loans.
Latest Portfolio Update
Stay informed about the latest updates regarding our P2P lending portfolio to find out which platform is performing well and which isn’t.
Read The Latest News
26. September 2025Esketit Limits Instant Cash Out for Auto-Invest Strategy
Esketit investors using the Diversified Automated Strategy report delays of over a month when cashing out, especially from Credus Capital mortgage loans. Previously near-instant, the cash out option is now constrained by market demand. With 25% exposure to long-term mortgage loans, immediate liquidity should no longer be expected, despite initial promises of flexible exits.
26. September 2025Esketit Limits Instant Cash Out for Auto-Invest Strategy
Esketit investors using the Diversified Automated Strategy report delays of over a month when cashing out, especially from Credus Capital mortgage loans. Previously near-instant, the cash out option is now constrained by market demand. With 25% exposure to long-term mortgage loans, immediate liquidity should no longer be expected, despite initial promises of flexible exits.
24. September 2025Updated 2024 KPIs Released for Key Lenders
New financial KPIs for 2024 are now available for Virtus Lending, Mojo Capital, Spanda Capital, Credius IFN, and Smartcredito. Investors can review the latest performance metrics in the lender data hub.
24. September 2025Spanda Capital Posts Strong Q2 Results Amid Spanish Market Expansion
Spanda Capital reported robust Q2 2025 results, with Capex up 231% YoY to €8.6M and ERC reaching €32M (+300% YoY). Cash collections rose 180% to €820K. The firm now manages €4B in assets across 80,000 cases. Following a profitable first year in Spain, Spanda aims to close several NPL deals in Q3, focusing on operational integration and recovery performance.
