Compare Bondora vs EstateGuru vs PeerBerry p2p platforms

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Key Facts

Investment Structures

Bondora Direct (peer-to-peer)
EstateGuru Direct (peer-to-peer)
PeerBerry Marketplace (peer-to-business)

Originator Types

Bondora Peers
EstateGuru Peers
PeerBerry Loan Originators

Investing Into

Bondora Consumer Loans
EstateGuru Real Estate
PeerBerry Business Loans, Consumer Loans, Leasing, Real Estate

HQ Country

Bondora country image Estonia
EstateGuru country image Estonia
PeerBerry country image Croatia

Investments

Interest Rates

Bondora n/a
EstateGuru 8.00% – 13.00%
PeerBerry 9.00% – 11.00%

Number of Originators

Bondora n/a
EstateGuru 0
PeerBerry 23

Number of Countries

Bondora n/a
EstateGuru 7
PeerBerry 8

Currencies

Bondora EUR
EstateGuru EUR
PeerBerry EUR

Minimum Investment

Bondora 1 EUR
EstateGuru 50 EUR
PeerBerry 10 EUR

Statistics

Average Net Return

Bondora 8.40%
EstateGuru 10.20%
PeerBerry 11.11%

Total Loans Funded

Bondora 427m EUR
EstateGuru 893m EUR
PeerBerry 2b EUR

Loans Outstanding

Bondora n/a
EstateGuru 217m EUR
PeerBerry 106m EUR

Loans Current

Bondora n/a
EstateGuru 67m EUR
PeerBerry 88m EUR

Loans Late

Bondora n/a
EstateGuru 3m EUR
PeerBerry 18m EUR

Loans 1 To 15 Days Late

Bondora n/a
EstateGuru n/a
PeerBerry 18m EUR

Loans 16 To 30 Days Late

Bondora n/a
EstateGuru n/a
PeerBerry 0 EUR

Loans 31 To 60 Days Late

Bondora n/a
EstateGuru n/a
PeerBerry 0 EUR

Loans 60 Plus Days Late

Bondora n/a
EstateGuru n/a
PeerBerry 0 EUR

Loans Defaulted (In Recovery)

Bondora n/a
EstateGuru 28m EUR
PeerBerry n/a

Loans Defaulted (Recovered)

Bondora n/a
EstateGuru 8m EUR
PeerBerry n/a

Loans Defaulted (Written Off)

Bondora n/a
EstateGuru n/a
PeerBerry n/a

Investors

Bondora 162,089
EstateGuru 164,005
PeerBerry 65,570

Average Amount Per Investor

Bondora n/a
EstateGuru 5k EUR
PeerBerry n/a

Principal Returned

Bondora n/a
EstateGuru 675m EUR
PeerBerry n/a

Interest Earned

Bondora n/a
EstateGuru 92m EUR
PeerBerry 19m EUR

Late Fees Earned

Bondora n/a
EstateGuru n/a
PeerBerry n/a

Loan Originators Statistics new

Bondora n/a
EstateGuru n/a
PeerBerry n/a

Features

Auto-Invest

Bondora

Available as: Go & Grow, Portfolio Manager, Portfolio Pro

You have to activate the Auto-Transfer feature in order to have a fully automatized investment flow. Bondora pledges 6.75% returns per year when investing with Go & Grow. Be aware: as of September 2020, bondora has limited the monthly deposit to Go & Grow accounts to 1000 EUR. With Portfolio Manager you can pick your personal risk level and start investing. Portfolio Pro offers you a wide range of customization.

EstateGuru

Available as: Automated Investment Strategies

In January 2022, EstateGuru replaced the former auto-Invest feature with automated investment strategies. Instead of requiring a minimum investment of 250€, the strategies work already with a minimum of 50€ per investment. There are two presets for the strategies: "conservative" and "balanced". They differ in the strength of collateral (Loan To Value), the selection of countries and other risk adjustments. For more advanced investors, EstateGuru now offers individual strategy configuration possiblities.

PeerBerry

Available
Manual-Invest

Bondora

Not available

EstateGuru

Available

PeerBerry

Available
Instant Cash-Out

Bondora

Available as: Go & Grow

EstateGuru

Available as: Instant Exit Program

In October 2021, EstateGuru launched the instant exit programm. Next to the secondary market, investors can quickly liquidate their loans by returning them to EstateGuru. BE WARNED that a 35% discount is due to be taken from EstateGuru. In almost every case it would make more sense to sell a loan via the secondary market. Latest at high discounts of 10-15% you should find a buyer.

PeerBerry

Not available
Secondary Market

Bondora

Available

EstateGuru

Available

The secondary market is available but needs to be consented and activated by the investor. There is currently a survey running whether the secondary market should be made available also for auto-invest.

PeerBerry

Not available

Risk & Security

Buyback Guarantee

Bondora

Not available

EstateGuru

Not available

PeerBerry

Available as: Buyback Guarantee, Group Guarantee

The loan originators on PeerBerry usually guarantee to take over a loan if the borrower fails to pay after 60 days. Furthermore, in case a loan originator is insolvent and cannot pay back the money, the main partners of PeerBerry – the Aventus group and the Gofingo group – guarantee to payback investors. This is called "group guarantee". However, members of the investor community have criticized that legally there exist no "Aventus group" as an entity. And thus, the group guarantee may be a shallow term.

Payment Guarantee

Bondora

Not available

EstateGuru

Not available

PeerBerry

Not available
Rating System

Bondora

Available

AA (lowest risk), A, B, C, D, E, F, HR (highest risk)

EstateGuru

Not available

PeerBerry

Not available
Due Diligence

Bondora

Available

EstateGuru

Available

EstateGuru has a due diligence process for every loan project. Each loan is secured with a mortgage. In case, the borrower cannot pay back the loan, the property would be seized.

PeerBerry

Not available
Skin in the Game

Bondora

Not available

EstateGuru

Not available

PeerBerry

Not available

Collaterals

Bondora n/a
EstateGuru Property, Inventory
PeerBerry n/a

Maximum Loan To Value (LTV)

Bondora n/a
EstateGuru 75.00%
PeerBerry n/a

Bondora – is it a match?

EstateGuru – is it a match?

PeerBerry – is it a match?

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Legal Notice

This is not an offer to invest. Investing in financial instruments involves risk. No investment is guaranteed, and there is always a risk of partial or full loss of invested funds. This information is not investment advice or a recommendation. All investment decisions shall be made by you independently, taking into account all your personal circumstances. BeyondP2P earns commissions from platforms when you sign up through our affiliate links. This can influence how prominently platforms are displayed, but we strive not to let it influence us on how we write about them.

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