Business Loans, Consumer Loans, Leasing, Real Estate
HQ Country
Bondora
Estonia
EstateGuru
Estonia
PeerBerry
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?
Disclosure
This page may contain
affiliate links. If you sign up with an investment platform via the buttons and links
provided on this page, beyondp2p can be rewarded with a commission. That
does not mean that you have to pay money! Quite the contrary: Depending on
the offer, you may enjoy cash backs and bonuses. Signing up with
these links is a direct way of supporting our work. Thank you!