Best-of listing · 13 platforms

Best buyback-backed P2P platforms

Platforms in the «Best buyback-backed P2P platforms» category, ordered by overall score. Open any entry for an in-depth review and the full record of investor feedback.

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Composite of verified investor reviews, editorial review and regulatory standing.

#01

CivisLend

Real estate · Spain · since 2017 · ECSP · Asset-backed (mortgage / collateral)

€120M financed · 6.0% return

1801 reviews

4.50 /5

#02

Crowdpear

Real estate · Lithuania · since 2021 · ECSP · Asset-backed (mortgage / collateral)

€45M financed · 11.0% return

31 reviews

4.50 /5

#03

Mintos

Real estate · Latvia · since 2015 · MiFID II · Group-level buyback

€10700M financed · 11.7% return

500 reviews

4.00 /5

#04

Income Marketplace

Consumer loans · Estonia · since 2020 · EFSA (Estonia) · 60-day buyback

€350M financed · 12.0% return

59 reviews

4.00 /5

#05

Robocash

SME · Croatia · since 2018 · ECSP · 30-day buyback

€1300M financed · 10.5% return

245 reviews

4.00 /5

#06

Lendermarket

SME · Ireland · since 2016 · ECSP · 60-day buyback

€57M financed · 15.6% return

709 reviews

4.00 /5

#07

InRento

Real estate · Lithuania · since 2020 · ECSP · Asset-backed (mortgage / collateral)

€25M financed · 12.4% return

54 reviews

4.00 /5

#08

Profitus

Real estate · Lithuania · since 2017 · ECSP · Asset-backed (mortgage / collateral)

€254M financed · 11.4% return

616 reviews

4.00 /5

#09

PeerBerry

Real estate · Croatia · since 2017 · ECSP · Group-level buyback

€3327M financed · 11.0% return

280 reviews

3.50 /5

#10

Esketit

Personal loans · Ireland · since 2020 · ECSP · 60-day buyback

€1500M financed · 12.9% return

273 reviews

3.50 /5

#11

Indemo

Mortgages · Latvia · since 2022 · Bank of Latvia · Asset-backed (mortgage / collateral)

€7M financed · 15.1% return

162 reviews

3.50 /5

#12

Debitum

SME · Latvia · since 2018 · ISP · 60-day buyback

€130M financed · 11.0% return

112 reviews

3.50 /5

#13

Twino

Real estate · Latvia · since 2015 · ISP · 60-day buyback

€37M financed · 12.0% return

101 reviews

3.00 /5

Pros

Smoother reported returns.
Less administrative work on defaulted loans.
Useful proxy for originator confidence.

Risks

Buyback can mask weak underlying loan quality.
Several originators have failed since 2020 — buyback failures are real, not theoretical.
Group-level buyback ≠ deal-level buyback. Read the fine print.

How to choose

Picking a platform in «Best buyback-backed P2P platforms».

Diversify across 5+ originators minimum. Check published financials — equity ratio, profitability, leverage. A buyback from an unprofitable originator is little more than marketing.

FAQ

Frequently asked.

What happens if the originator cannot honour the buyback?

The platform pursues collection on the original loan — usually consumer or SME debt — and may eventually return some pennies on the euro. Multiple high-profile failures (Eurocent, Aforti, Akulaku, Capital Service, ExpressCredit) have shown 0–30 % recovery in practice.

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Best crowdlending platforms Best real-estate crowdfunding platforms Best SME crowdlending platforms Best consumer crowdlending platforms Best P2P platforms with a secondary market Best auto-invest crowdlending platforms Best ECSP-licensed crowdlending platforms Real-estate crowdfunding SME / business crowdlending Consumer crowdlending Crowdlending in Spain Crowdlending in Latvia