€95,529 in P2P Loans: My Portfolio Update for August 2026

It's time again for the monthly update on my P2P lending investment. Today we look at my portfolio in detail: which platforms I'm invested in, how much on each, how much interest I already receive and which new platform made it in. I share my full portfolio live and transparently via P2P Dash – so you can look at it yourself at any time.

As always, the most important note up front: this is not investment advice and not a buy recommendation. I only ever share my personal investments and my personal opinion. I'm responsible for my money, you're responsible for yours – especially in the P2P and lending space the risks are significant. Inform yourself thoroughly and always make your own decision.

Portfolio overview: €95,529 across 22 platforms

My total balance is currently €95,529.30, spread across 22 platforms – so I'm getting ever closer to the €100,000 mark. Around €88,000 of that is my own deposits, the rest is gross income: €7,618, made up of €5,646 in interest and €2,047.51 in bonuses, minus fees and withholding tax.

My return (XIRR) is 14.4% on average, 10.3% if you strip out all bonuses. Capital recovery – the share of invested capital already freed up through repayments – is at 7.85% and currently continues to rise.

New in the portfolio: Nectaro in, Triple Dragon out via early exit

Nectaro* made it completely new into my portfolio this month. Not an unknown platform, but one of the regulated ones – I started with €1,000 and will add another €1,000 this month. Since the investment only happened one or two weeks ago, I haven't received an interest payment yet. The first positions are currently running at around 6 months and 25 days term at an 11% interest rate. As soon as the first interest has arrived, there'll be a separate update video on it.

In return, Triple Dragon has completely disappeared from the portfolio. I'd been invested there since January, everything ran smoothly, but with just €1,000 it was more of a test of the platform. The early exit was available after a 6-month term – I simply tried it out: within a few hours the position was sold, and the payout only took one day. So it worked great. I'm therefore no longer directly invested in Triple Dragon (via a Debitum position I'm still indirectly involved), but I'll probably build the platform back up long-term – I actually like it.

My largest positions

In 1st place is still Mintos* with around €13,017. Of that, €10,000 is really invested in loans, the rest is in online real estate and now also, as a test, in an ETF. This €10,000 loan cap is no coincidence for me, more on that shortly.

Behind it comes Bondora Go & Grow* with just under €12,345 – for me above all a liquidity block. In 3rd place Debitum* with around €10,780, which I'll wind down towards €10,000, and in 4th place Lande*, where I've now landed at around €10,000.

Ventus Energy is still my "problem child" in the portfolio – the platform is currently working on a restructuring plan which, according to its own statement, was only submitted last week. There's nothing major new to report here yet; as soon as something happens, you'll get a separate update on it.

It continues with Indemo* (growing steadily, currently around €5,861), Maclear*, which I'm currently testing extensively (around €4,667, but capped at max €5,000 long-term), Devon* (around €4,292) and Asterra* (around €4,289, where I currently withdraw the interest on an ongoing basis). After that come smaller but also active positions at FF Forest*, Hive5*, Loanch*, Twino* (where I now only use the liquid Flexy product), 8lends*, Esketit*, Lendermarket*, Monefit*, Afranga*, Viainvest*, MyPeak Finance*, Income* (which I'm currently reducing because too much is stuck in payment arrears) and, newly, Nectaro*.

You can view the complete, live-updated breakdown with all percentages in detail at any time: Look inside the P2P portfolio.

July income: €787 despite a noticeable capital withdrawal

In July the bottom line was €787.04 net – a little less than in the record month of June (€902.48), but still at a very high level. In detail: €730.55 in interest plus €98.62 in bonus makes €801.16 gross, minus €14.12 withholding tax and €28.01 fees leaves the €787.04 net. I'm curious where we'll land in September.

In the income distribution, Ventus Energy is still out front (around 19% of the income), even though no new capital flows in there anymore. Behind it come Debitum, Mintos, Lande, Asterra, Devon and Maclear.

In terms of cash flow, July was atypical: only €649 in deposits versus €3,846 in withdrawals. That's mainly because I was already above my new €10,000 cap on some platforms and withdrew capital there – more on that and my new strategy shortly.

Regulation & country risk

35.53% of my portfolio runs through platforms regulated under MiFID II (including Mintos, Debitum, Indemo, Twino, Viainvest, Nectaro). Another 13.31% runs through platforms with an ECSP licence (including Lande, Lendermarket, Afranga), 19.39% are nationally regulated (including Bondora Go & Grow, Monefit in Estonia). The rest – 31.77% – is on unregulated or self-regulated platforms, currently including Maclear and, as the largest unregulated position, still Ventus Energy.

In terms of country distribution, Latvia clearly dominates, because many projects are based there (e.g. Devon and Asterra almost entirely). Behind it come Spain (10.31%), Lithuania, Estonia, Poland, the UK, Romania and Bulgaria. I do see the concentration on Latvia as a small cluster risk, but at least it's spread across several platforms. I'll gradually shrink the Poland position (currently around 41% of it via Lande) a bit – I'd find 15% more comfortable here.

My new P2P strategy: clear caps per platform

My goal for a long time was to complete the €100,000 mark in the P2P space – I've now almost reached that. P2P thus currently makes up around 21–22% of my total net worth, which I personally find quite high. Long-term I want to bring the share down to more like 10% – not by reducing here, but by funding stocks, real estate and the like much more strongly than P2P.

The Ventus Energy situation also prompted me to fundamentally rethink my risk in the P2P sector again. From that a clear rule emerged:

• Regulated platforms (e.g. Lande, Debitum, Mintos): cap around €10,000. The exception is Bondora Go & Grow, because it's a very liquid product already proven in the market – the cap doesn't apply here.
• Unregulated or self-regulated platforms (e.g. Maclear): cap around €5,000, so half. With Ventus Energy I'm currently above that (around €6,500–7,000), but I can't withdraw capital there right now because of the restructuring.

Important here: these caps are safety buffers, not target values I have to reach. So there will still be platforms where I'm only in with €1,000–2,000, simply to try them out. Fundamentally I tend to shift my capital from unregulated towards regulated platforms – Twino, Lendermarket and Nectaro I'll build further towards €10,000 in the medium term, while on some unregulated platforms capital tends to be pulled out.

Current cashback promotions

On almost all the platforms I'm invested in myself, cashback campaigns are currently running too – above all Mintos* with up to €350 welcome bonus via the code "GO-LENNARD". You'll find all the other current promotions bundled and continuously updated on my own page: P2P bonus overview.

Conclusion

P2P loans remain an asset class I like – above all because it runs relatively independently of the stock market: if the market crashes, I still keep collecting my interest income for now. In return there are of course other risks here (platform, credit and currency risk), on which I'll make a separate, detailed video soon.

Otherwise that's it for the update. If you want to try one of the platforms, you'll find all the links along with current bonuses in the P2P bonus overview. How's it looking for you – are you invested in P2P loans yourself, and how do you deal with cluster risks like the one at Ventus Energy? Let me know, I always enjoy the exchange.