My P2P investment portfolio – Updated (August 2025)

P2P portfolio

This is the distribution of my Crowdlending investment portfolio. The percentage corresponds to the proportion of money in my portfolio that I invest in each of the P2P platforms.

Distribution of my Crowdlending portfolio

Interests per platform

In the following table you will find the annualised interest I have obtained on each platform. Please note that this interest varies depending on the strategy/configuration chosen on each platform.

Plataforma ⇅Interés (1)Interés (2)
Asterra117.48%85.66%
Devon57.63%35.84%
Ventus30.79%20.26%
Maclear22.70%15.42%
Loanch17.14%16.10%
Nectaro16.12%12.49%
Afranga15.39%15.49%
Debitum15.20%11.76%
Finforta13.32%12.96%
Hive512.68%09.01%
Inrento*12.40%07.77%
Fintown*11.91%21.98%
Income11.58%12.14%
Viainvest11.27%10.48%
Lande*10.94%08.39%
Esketit10.78%06.80%
Twino10.55%22.61%
Peerberry10.20%09.16%
Lonvest10.05%05.90%
Robocash09.93%07.50%
Crowdpear*09.06%05.61%
Mintos08.98%05.52%
HeavyFinance08.74%19.23%
Bondster06.60%00.00%
Bondora06.53%05.78%
Domoblock*06.49%07.78%
Brickstarter*06.38%04.55%
Ethichub*05.99%53.41%
Indemo*05.81%10.25%
Reinvest24*05.44%00.00%
Estateguru*05.34%00.00%

Interest 1 = Interest (XIRR) Annualised⇅ calculated from the start of investment in that platform.

Interest 2 = Interest (XIRR) Annualised⇅ calculated taking into account ONLY the last month.

* Some of the projects I invest in on this platform do not have monthly payments, but at the end of the loan. This affects the interest calculation.

** This platform applies commissions.

*** New platform in my portfolio (not yet possible to see actual performance)

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💛 P2P platforms with welcome BONUS for new investors

🎁 Bondora BONUS 5€ (investing minimum 50€)

🎁 Bondster BONUS 1% of investment for the first 3 months

🎁 Brickstarter BONUS 50€ using the code CARMEN50

🎁 Crowdpear BONUS 0,5% of your investment for the first 3 months

🎁 Debitum BONUS 1% of your investment for the first 30 days

🎁 Esketit BONUS 1% of your investment for the first 90 days

🎁 Estateguru BONUS 0,5% of your investment for the first 3 months

🎁 Fintown BONUS 2% of the first investment

🎁 Insoil BONUS 2% of your investment for the first 30 days

🎁 Income BONUS 1% of your average investment in the first 30 days

🎁 Inrento BONUS 20€ after first investment

🎁 Lande BONUS 3% of the invested amount for the first 30 days

🎁 Lendermarket BONUS 1% of your investment for the first 60 days

🎁 Peerberry BONUS 0.5% of your investment for the first 3 months

🎁 Twino BONUS 1% of your investment in the first 90 days

🎁 Viainvest BONUS 1% of the invested amount for the first 90 days

Other investments

Bitcoin and other cryptocurrencies:

🎁 Binance

🎁 Coinbase

🎁 Kraken

⚙️Herramientas Financial:

These are some tools I use to better manage my money, investments and finances:

Revolut European Transfers without commissions

💱 WISE (Transferwise), for international transfers with currency exchange.

Excel table to track monthly my P2P investment portfolio. You can download it here to keep track of your investments.

More information about Crowdlending

📧 Get the latest crowdlending news delivered straight to your inbox every fortnight. Subscribe to the newsletter

🔝 RANKING – COMPARISON OF THE BEST PLATFORMS

📙 BOOK Invest in P2P Lending

JOIN TELEGRAM comunity to stay in touch with other investors:

HAPPY EUROS: Investors Community

Welcome Bonus for New Investors

Want to start investing? By signing up through the following links, you’ll receive a bonus:

🎁 Debitum BONUS: 1% of your invested amount during the first 60 days
🎁 Domoblock BONUS: €50 (minimum investment €500)
🎁 Finforta BONUS: 2% of your first investment
🎁 Hive5 BONUS: 0.5% of your invested amount during the first 90 days
🎁 Indemo BONUS: temporary instant cashback (check the website for details)
🎁 Income BONUS: 1% of your average invested balance during the first 30 days
🎁 Lande BONUS: 3% of your invested amount during the first 30 days
🎁 Loanch BONUS: 1% of your invested amount during the first 90 days
🎁 Maclear BONUS: 3% of your invested amount during the first 90 days
🎁 Mintos BONUS: €25 (minimum investment €1,500)
🎁 Nectaro BONUS: 1% of your average invested balance during the first 30 days
🎁 Ventus BONUS: 1% of your invested amount during the first 60 days

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Carmen Corral

I invest in P2P lending since 2019. This type of investment was the first that I incorporated into my portfolio, due to its simplicity. Here and on the YouTube channel canal de YouTube I talk about my investments and crowdlending news.

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