Last Update:
06/09/2025
€114,434.15
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
Keeping up with the latest news regarding your platform is essential for maintaining a profitable portfolio.
17. September 2025Capitalia Sees Surge in Borrower Demand and Project Volume in August
Borrower activity rose sharply on Capitalia in August, with 130 loan applications totaling €17M, up from 101 applications (€12M) in July. The platform published 16 projects worth €1.54M, including its first from Finland, compared to €0.81M in July. Meanwhile, 16 loans totaling €0.85M were fully repaid in July, nearly half of which were bullet loans.
17. September 2025Capitalia Sees Surge in Borrower Demand and Project Volume in August
Borrower activity rose sharply on Capitalia in August, with 130 loan applications totaling €17M, up from 101 applications (€12M) in July. The platform published 16 projects worth €1.54M, including its first from Finland, compared to €0.81M in July. Meanwhile, 16 loans totaling €0.85M were fully repaid in July, nearly half of which were bullet loans.
15. September 2025Mintos Updates Deposit Fees and Inactivity Charges
Mintos now charges a 2% fee on all deposits via card, Apple Pay, or Google Pay—removing the previous €1,000 free threshold. Bank transfers remain fee-free. Starting October 1, 2025, a €4.90 monthly inactivity fee applies if your account shows no activity or balance for 360 days.
12. September 202516.12% Return from “Pienių 18A” Loan Recovery
Investors have received EUR 258,631 from loan ID 105 after full recovery, including EUR 208,600 in principal and EUR 50,031 in interest. Borrower MB Victoria Beauty House delayed repayment by over 6 months but continued regular interest payments. The project generated an average annual return of 16.12%, supported by a +5% annual penalty interest for late repayment.
