€100,000 in P2P Loans Cracked: My Portfolio Update September 2026

It's done: the €100,000 mark in my P2P portfolio has been cracked. To be precise, as of 31 August 2026 there's actually €105,479 across 25 platforms – a goal I've worked toward for a long time. Time for a full update: I'll show you every platform with its amount, how much interest came in during August, how high my return is with and without bonus promotions, which three platforms newly joined – and why I still want to reduce the P2P share of my total net worth in the medium term. I share my entire portfolio live and transparently via the P2P dashboard, so you can look in at any time.

As always up front: this is not investment advice and not a buy recommendation. I only show my personal investments and my personal opinion. I'm responsible for my money, you're responsible for yours – and in the P2P and credit-investment space the risks are substantial: defaults, platform risk and a total loss of the capital invested are all possible. Inform yourself thoroughly and always make your own decision.

€105,479 across 25 platforms – the €100,000 is cracked

My total P2P balance currently stands at €105,479, spread across 25 active platforms. That finally reaches the long-standing goal of hitting the six-figure mark. A large part of this is my own deposits, the rest is interest and bonuses accumulated over the years, most of which I've reinvested.

Before we go into detail, a quick word on the promotions I keep getting asked about: on almost all platforms I'm invested in myself there are currently bonus and cashback campaigns running – from up to €500 at Mintos*, through up to 6% cashback at Asterra*, to the starting bonuses of the new additions. So that I don't retype this with every update and it always stays current, I keep all running promotions bundled on a dedicated page: P2P bonus overview.

New to the portfolio: Silvaland, 7Harvests and Revest

This month, three new platforms made it into the portfolio – all three with around €1,000 as a first test:

• Silvaland* from Latvia is the most unusual of the three: instead of classic loans, you invest in forest land here – a tangible asset that runs independently of the credit cycle. Via my link there's currently up to 3% cashback plus a €5 sign-up bonus.
• 7Harvests* (with an "s" at the end) comes from Switzerland, from Bern to be precise, and bundles consumer, SME and real-estate loans. New customers get a €21 bonus via my link.
• Revest* from Estonia specialises in the purchase of loan receivables. In the first 90 days there's up to 5% cashback here.

All three are deliberately small positions for now – I approach new platforms with a manageable amount on principle and only top up once the first interest and repayments run through cleanly.

My portfolio live: the complete breakdown

I share my entire portfolio in real time via the P2P dashboard* – every platform, every amount, every interest payment is publicly viewable there. Here's the full breakdown as of 31 August 2026:

*Affiliate links: if you sign up through one of these links you secure the respective bonus – the price stays the same for you, I receive a commission. You'll find all promotions with their conditions in the P2P bonus overview.

In first place is still Mintos* with around €13,144, closely followed by Bondora Go & Grow* (€12,907), which for me is mainly a flexible liquidity building block. Behind them, Debitum* and Lande* sit exactly at my self-imposed €10,000 cap for regulated platforms – more on that below.

Ventus Energy remains my problem child at €6,798: the platform is still stuck in restructuring, and I currently can't access the capital there. There'll be news once something actually happens. Below that come solidly grown positions like Indemo*, Maclear*, Devon* and Asterra*, plus a long list of smaller but active platforms. For completeness: Triple Dragon still shows up in the dashboard at €0 – I cleared that position via early exit, but I'm still indirectly in via a Debitum position.

Interest in August: €938.38 from 21 platforms

Now to the most exciting part – the passive income. In August, €938.38 in interest came in, spread across 21 platforms. That makes August my second-strongest month ever; the record narrowly remains June 2026 with €959.98, just €21.60 more.

Who leads on income is genuinely surprising – it isn't necessarily the largest positions:

• Debitum contributes by far the most: 16.06% or €150.66
• Lande follows with 8.78% (€82.41)
• Maclear with 8.28% (€77.74)
• Lendermarket with 8.16% (€76.56)
• Mintos with 7.51% (€70.45)

After that come Loanch (6.99%), Bondora Go & Grow (6.74%), Asterra (5.78%) and Devon (5.68%). Nice to see: the income now spreads across many shoulders – no single default would tip the whole month over.

Over the longer run the curve clearly points upward too – here are the monthly earnings since the beginning:

Return: 14.18% XIRR – double-digit even without bonuses

On return (XIRR) I'm currently at 14.18%. The perhaps more important figure sits right next to it: if I strip out all bonus and cashback promotions completely, 10.26% from pure interest still remains.

I think it's important to show this because the bonuses are of course a nice extra boost, but they don't run forever. Even without them the return is double-digit – that's the foundation the whole thing rests on. The bonuses on top turn a good result into a really good one.

How much P2P can my portfolio handle?

As nice as the milestone is – this is exactly where the real thinking starts for me. At €105,479, P2P now makes up around 22% of my total net worth of €479,563:

22% in such a high-risk asset class is, personally, already relatively high in my view. My goal is therefore to bring the P2P share back down to about 10% in the medium term – and specifically not by selling here or withdrawing capital, but by investing much more heavily into my other building blocks (stocks, real estate, crypto) than into P2P. The P2P pot may keep growing, just more slowly than the rest.

Fewer platforms, larger positions – and where diversification ends

25 platforms is a lot, and that number is more likely to fall again than to rise. My direction is clear: fewer platforms, but larger positions on the platforms I trust most – above all the regulated ones. As a rough guardrail I stick to around a €10,000 cap per regulated platform and about half that for unregulated ones. I keep testing new platforms with small €1,000 positions, like Silvaland, 7Harvests and Revest this month.

Because diversification has a limit: beyond a certain point, the 25th platform adds barely any extra safety but makes the portfolio noticeably harder to keep track of and maintain. I'd rather have a handful of genuinely understood, well-capitalised platforms than three dozen mini positions where I lose the overview.

Conclusion

The €100,000 in P2P has been cracked – a nice milestone after years of steady contributions. More important than the round number, though, are the figures behind it: €938 in interest per month, a double-digit return even without bonuses, and income that now spreads across many platforms. P2P remains a class I like – above all because it runs relatively detached from the stock market: if the market crashes, my interest still keeps coming in for now.

From here it's less about a bigger total and more about quality: more regulated, more concentrated, tidier – and proportionally rather down toward 10% of total net worth. If you want to try one of the platforms, you'll find all the links along with current bonuses bundled in the P2P bonus overview, and you can follow my entire portfolio live at any time at finlen.de/p2p. How high is your P2P share, and how do you deal with concentration risk? Write it in the comments – I read and answer everything.