FinanzLennard’s September 2025 P2P Loan Portfolio Update: €12,800 Invested in Peer-to-Peer Lending

P2P Lending Gains Traction: A Portfolio Update for Investors

The landscape of passive income is constantly evolving, and Peer-to-Peer (P2P) lending continues to attract attention as a possibly lucrative option. A recent portfolio review, current as of September 30, 2025, reveals meaningful activity and returns among several platforms, offering valuable insights for both seasoned and prospective investors.

What Exactly are P2P Loans?

Peer-to-Peer, or P2P, loans connect individual investors directly with borrowers, bypassing traditional financial institutions. This disintermediation often translates to more attractive interest rates – typically ranging from 6% to 15% annually – but it also introduces heightened risks, including the possibility of borrower default, platform instability, and limited liquidity. It’s crucial to remember that P2P returns are not guaranteed.

A Detailed Portfolio Snapshot (September 30,2025)

An investor portfolio,meticulously tracked,currently stands at approximately €12,889 across five distinct platforms. September alone yielded €97.03 in interest and cashback rewards. Below is a breakdown:

Platform	Invested (€)	Portfolio Portion (%)	Average Interest/Yield (%)	Key Features
Mintos	5,049	39.2	10.77	Core loans, automated, secondary market available.
Debitum	2,259	17.5	11.43	Business loans, daily/monthly interest, diversified.
Ventus Energy	2,164	16.7	18.5	Mezzanine financing in energy infrastructure, daily interest.
Bondora Go & Grow	2,053	15.9	6.0	Simple, daily interest, high liquidity.
Indemo	1,362	10.6	15.0 (approx.)	Discounted bond packages secured by real estate.

Platform-Specific Experiences & Current Promotions

Mintos: A core Holding Since 2021

Investment in Mintos totals €5,049, representing 39.2% of the portfolio.The platform primarily utilizes ‘Core Loans,’ offering full automation and broad diversification. Interest and repayments are processed daily, with a secondary market available for enhanced flexibility. Investors should be prepared for occasional overdue payments; diversification is paramount.

Did You Know? Mintos is currently offering a welcome bonus of up to €500 using the code “WEALTH25”.

Debitum: Predictable Cash Flow from Business Lending

€2,259 is allocated to Debitum, focusing on business loans. The investor mixes loan durations for consistent payouts every few days and utilizes the auto-invest feature, supplemented by manual selections. A 1% cashback promotion is available on investments made within the first 30 days.

Ventus Energy: High Yields in Renewable Infrastructure

Ventus Energy holds €2,164 of the portfolio, delivering daily interest via mezzanine financing in energy projects, like wind farms. While interest rates are attractive, investors bear project-specific risks. A cashback promotion – up to 6% – is currently available for new investments for a limited time.

Bondora Go & Grow: Simplicity and Liquidity

Bondora Go & Grow features a €2,053 investment,known for its simplicity and daily interest payouts of up to 6%. Liquidity is generally high, though subject to market conditions. A €5 welcome bonus is available via a referral link.

indemo: Distressed Debt with Potential

€1,362 is invested in Indemo’s discounted bond packages, secured by real estate, primarily in Spain. This strategy offers a potential yield of around 15%, but involves longer lock-up periods and no secondary market. A cashback promotion of up to 4.5% is currently available.

Navigating the Risks of P2P Lending

While P2P lending presents opportunities for above-average returns, it’s not without inherent risks. project failures, borrower defaults, and platform vulnerabilities are all factors to consider. Investors should only allocate funds they can afford to lose and prioritize diversification across multiple platforms.

Evergreen Insights: Trends in P2P Lending

The P2P lending sector continues to mature, with increased regulatory scrutiny and a growing focus on risk management. According to a recent report by Statista, the global P2P lending market is projected to reach $240.30 billion in 2024,demonstrating consistent growth. Though, economic downturns can impact borrower repayment rates, highlighting the importance of thorough due diligence and careful portfolio construction. In 2023,there was a notable increase in the use of AI and machine learning for credit scoring and risk assessment within the P2P lending industry,as reported by Forbes advisor.

Pro Tip: Regularly review platform-specific updates and monitor your portfolio’s performance.Diversification remains the cornerstone of mitigating risk.

Frequently Asked Questions about P2P Lending

• What is P2P lending? P2P lending connects borrowers and lenders directly, cutting out traditional banks.
• What are the risks of P2P lending? Risks include borrower default, platform failure, and limited liquidity.
• How can I minimize my risk in P2P lending? Diversification across multiple platforms and borrowers is crucial.
• are P2P loan returns guaranteed? no, P2P loan returns are not guaranteed and can fluctuate.
• What is the typical return on P2P loans? Returns typically range from 6% to 15% annually, but can vary substantially.
• How do I choose the right P2P lending platform? Research platforms thoroughly, considering their loan types, risk levels, and fee structures.
• Are there any tax implications for P2P lending income? Yes, P2P lending income is generally taxable and should be reported accordingly.

This analysis showcases the potential – and complexities – of P2P lending.As with any investment, thorough research and a cautious approach are essential.

What are your thoughts on incorporating P2P lending into a diversified investment strategy? What concerns,if any,do you have about this evolving financial landscape?

How does FinanzLennard’s current P2P lending portfolio allocation strategy aim to mitigate risk, and what percentage of the portfolio is allocated to secured lending through EstateGuru?

Portfolio Overview – September 2025

As of September 30th, 2025, FinanzLennard’s peer-to-peer (P2P) lending portfolio stands at €12,800.This represents a continued commitment to diversifying investment strategies and exploring choice finance options. The portfolio is strategically allocated across several leading P2P lending platforms, focusing on both secured and unsecured loans to balance risk and potential returns. This update details the current allocation, performance, and key observations from the past month. We’re tracking key metrics like default rates, average interest rates, and platform-specific performance to optimize future investments in P2P lending.

Current Portfolio allocation

The €12,800 is distributed as follows:

* Mintos: €5,120 (40%) – Primarily focused on short-term consumer loans and invoice financing.

* EstateGuru: €3,840 (30%) – Dedicated to real estate-backed loans across Europe. This segment offers a degree of secured lending stability.

* Bondora: €2,560 (20%) – A mix of go & Grow and direct investments in personal loans.

* Twino: €1,280 (10%) – Concentrated on consumer loans with varying risk grades.

This allocation reflects a purposeful strategy to mitigate risk through diversification. We continually assess and adjust these percentages based on market conditions and platform performance. Diversification in P2P lending is crucial for managing potential losses.

Performance Highlights – September 2025

September proved to be a relatively stable month for the portfolio.

* Total Interest Earned: €115.20

* Average Net Return: 9.0% (annualized)

* Default Rate: 0.85% – Slightly above the target of 0.75%, requiring closer monitoring of loan quality on specific platforms.

* Recovery Rate: 65% – Successful recovery of funds from defaulted loans remains a key performance indicator.

The slight increase in the default rate is primarily attributed to economic headwinds in certain European markets impacting borrower repayment capacity. We are actively reviewing loan portfolios on affected platforms and adjusting investment strategies accordingly. Understanding P2P lending risks is paramount.

Platform-Specific Performance Breakdown

Here’s a closer look at how each platform performed in September:

Mintos

* Investment: €5,120

* Interest Earned: €45

* Default Rate: 0.6%

* Notes: Mintos continues to offer a wide range of loan originators, providing excellent diversification. We’ve observed a slight decrease in average interest rates on the platform, prompting a review of investment criteria.

EstateGuru

* Investment: €3,840

* Interest Earned: €35

* Default Rate: 1.2% – The highest default rate among the platforms, primarily due to a single project delay in Latvia.

* Notes: Despite the higher default rate, EstateGuru’s real estate P2P lending remains a core component of the portfolio due to the underlying asset security.

Bondora

* Investment: €2,560

* Interest Earned: €22.40

* Default Rate: 0.7%

* Notes: Bondora’s Go & Grow continues to provide a stable, albeit lower, return. Direct investments offer higher potential returns but also carry increased risk.

Twino

* Investment: €1,280

* Interest Earned: €12.80

* Default Rate: 0.5%

* Notes: Twino offers a streamlined investment experience, but the loan portfolio is less diversified than othre platforms.

Risk Management Strategies

Maintaining a healthy P2P lending portfolio requires proactive risk management. Here are the strategies employed:

1. Diversification: Spreading investments across multiple platforms and loan types.
2. Loan Selection: Prioritizing loans with lower risk grades and shorter durations.
3. Auto-Invest Settings: Utilizing auto-invest features with conservative settings to automatically reinvest earnings and maintain portfolio allocation.
4. Regular Monitoring: Tracking key performance indicators (KPIs) such as default rates, recovery rates, and platform performance.
5. Platform Due Diligence: Continuously evaluating the financial health and operational practices of each P2P lending platform. This includes assessing their **credit risk