Throughout Europe, peer-to-business (P2B) lending has emerged as a gorgeous manner for companies to lift capital, benefiting small and medium-sized enterprises (SMEs) particularly by providing sooner approval processes, various funding sources, and entry to capital which may be out of attain by conventional banking channels.
P2B lending is a type of various financing that connects buyers with companies in want of capital. In contrast to conventional financial institution loans, P2B lending platforms permit people to immediately put money into enterprise loans, offering companies with extra accessible and versatile funding choices.
In Europe, P2B is very related as many companies proceed to face challenges in securing finance from conventional lenders.
In accordance to a 2023 report by the European Funding Fund, 24% of Euro space SMEs confronted extreme access-to-finance points within the first half of 2023. German insurance coverage agency Allianz estimates the SME financial institution mortgage financing hole within the Eurozone at 3% of gross home product (GDP), equal to EUR 400 billion, in 2019.
Right now, we have a look at a number of the largest and most distinguished P2B lending suppliers in Continental Europe. These platforms join loans issued by lending firms throughout the area with personal buyers looking for various funding alternatives and portfolio diversification.
These firms have reached notable scale and affect, providing a wide variety of loans for buyers to select from, together with enterprise, customers loans, in addition to actual property loans, whereas offering SMEs with simpler entry to capital, sooner approval, in addition to larger flexibility in mortgage merchandise.
Mintos

Mintos is a distinguished participant within the European P2B lending market, specializing in facilitating common passive revenue by diversified funding alternatives. The corporate supplies a digital platform for buyers to entry a broad spectrum of income-generating belongings, together with agricultural loans, enterprise loans, automotive loans, mortgage loans, private loans, bill financing, and extra. Buyers can take part by each automated and guide funding methods, offering flexibility and management over their portfolios.
These funding alternatives are offered in collaboration with varied lending firms throughout Europe and past, which challenge these loans. Mintos then converts these loans into monetary devices referred to as Notes, that are supplied on the Mintos platform.
Established in 2014 and headquartered in Riga, Minto has quickly grown to turn out to be one of many largest funding platforms of its form of Europe, managing over EUR 600 million in belongings below administration (AUM) for greater than 500,000 registered customers. The corporate claims EUR 11.1 billion in complete loans funded on its platform, with private loans making up the lion’s share, adopted by enterprise loans and bill financing.
PeerBerry

One other main funding platform for passive revenue in Europe is PeerBerry. The corporate, which is primarily based in Croatia, strives to assist people obtain monetary stability and a greater life-style by strategic investments. It does so by offering a platform that connects buyers with mortgage originators from varied nations.
This platform options an intuitive, user-friendly interface and cutting-edge funding instruments, making it accessible to each people and firms trying to diversify their portfolios. One key device accessible on PeerBeery is Auto-Make investments, a function which permits buyers to create funding methods that robotically make investments in keeping with their chosen standards.
Like Mintos, PeerBerry companions with a number of mortgage originators to supply loans for buyers to again. These companions embody Gofingo, which makes a speciality of shopper and enterprise loans, and Lithome, an actual property developer that additionally supply affords. Funding alternatives accessible on PeerBerry embody short-term and long-term personal shopper loans, leasing loans for car purchases, actual property loans for improvement tasks, and enterprise loans that help ventures comparable to renewable vitality initiatives.
PeerBerry was based in 2017 by Aventus Group, one of many largest non-banking lending teams working in European, Asian, and African nations since 2009. Its sturdy ties to Aventus Group have contributed to its stability and credibility, permitting it to skilled exceptional development. As of February 2025, PeerBeery’s excellent portfolio stood at practically EUR 117 million in February 2025, with actual property loans comprising 43% of the overall and enterprise loans accounting for twenty-four%. Since its inception, practically EUR 3 billion has been invested by the platform.
Viainvest

Viainvest is a digital platform that permits customers to put money into asset-backed securities (ABS) backed by loans originated by non-banking lenders, VIA SMS Group, its subsidiaries, and associated firms. This platform is designed to simplify the funding course of whereas sustaining a excessive stage of transparency and help, offering personal buyers with a straightforward and controlled technique to put money into ABS linked to loans.
Debtors request funding from the VIA SMS Group and its daughter firms. Loans from every mortgage originator are mixed into swimming pools of loans. After the securitization course of, all securities linked to a sure pool of loans are revealed on the Viainvest platform with the identical ISIN (Worldwide Securities Identification Quantity offered by Nasdaq Riga). This makes them accessible for funding, and permits customers to simply put money into particular swimming pools of loans in keeping with their monetary technique and threat tolerance.
As of the most recent figures, Viainvest has funded loans totaling greater than EUR 557 million and paid out EUR 15 million in curiosity to buyers, reflecting its sturdy efficiency and investor attraction. The platform boasts a complete rely of registered prospects of than 1.6 million.
Viainvest is regulated by the Central Financial institution of Latvia and operates throughout seven nations in Europe and Asia, with its headquarters in Riga. Based in 2009, Viainvest is part of VIA SMS Group, a monetary companies supplier working throughout Europe and Asia.
Twino

Twino is one other distinguished funding platform in Europe that goals to democratize investing. The corporate supplies a digital platform that offers customers entry to lending alternatives, together with shopper, enterprise and actual property loans.
This platform is designed to supply high-yield alternatives with strong investor safety and a user-friendly expertise, making it a trusted selection for each new and skilled buyers. Like its European counterparts, it comes with an Auto-Make investments device that automates the funding course of, permitting customers to set preferences and passively develop their portfolios.
Twino selects funding alternatives by a rigorous credit score threat evaluation course of. First, debtors apply for loans on Twino’s mortgage originators web sites. Twino evaluates the creditworthiness of every applicant utilizing a mixture of utility data, current liabilities, and lots of of particular person information factors. If the borrower qualifies, Twino grants the mortgage, after which sends it to its funding platform the place buyers can fund it.
Twino’s strategic concentrate on accessibility and monetary inclusion has additionally enabled it to develop its attain globally. Since launching its lending operations in Latvia in 2009, the corporate has expanded to a number of worldwide markets, together with Poland, Georgia, Denmark, Spain, Kazakhstan, and Vietnam.
Twino claims it has originated over EUR 1 billion in unsecured shopper loans and has greater than 58,000 registered buyers.
CG24

CG24 is one among Switzerland’s largest market lending platforms. The platform affords debtors the chance to take out private, actual property, and enterprise loans, whereas offering personal and institutional buyers with the chance to put money into these financings.
CG24 makes use of state-of-the-art applied sciences to streamline the mortgage course of, guaranteeing effectivity and transparency. This permits debtors to profit from versatile, quick and low-cost loans with clear pricing and reimbursement phrases, together with amortization and bullet lending. Debtors additionally profit from a easy and simple mortgage evaluate course of. Buyers, in the meantime, have the chance to put money into varied credit score tasks with totally different threat and return profiles.
The platform helps the safety of buyers by strict and elaborate threat evaluation. Debtors bear a strict underwriting course of, and extra options like fee safety insurance coverage and portfolio diversification additional improve web returns.
Launched in March 2015, CG24 specializes in private, actual property, and enterprise loans. Since its launch, the platform claims it has disbursed over CHF 1 billion in loans.
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