Independent P2P analysis
P2P investing — with your eyes open.
Independent, sober analysis of P2P lending for retail investors in Germany. Platforms compared, risks named plainly — no return promises.
6
platforms analysed
independent
rated by fixed criteria
monthly
re-assessed
[ Photo / illustration — P2P overview ]
How we rate
Return
after defaults
Safety
Collateral & regulation
Liquidity
Exit & secondary market
Transparency
Data & disclosure
Top rated
Platforms in focus
Monthly research brief
Once a month: plain talk instead of return promises.
New platform ratings, updated default rates and the risks others stay quiet about — compact, in one email. For investors who want to understand what they're doing.
- Newly rated platforms first
- Warning signs & defaults in view
- Strategies for a robust portfolio
Knowledge
Guides & analysis
[ Return distribution of P2P loans ]
Risk
What makes P2P loans profitable — and what makes them dangerous
Buyback guarantees, collateral, diversification: which factors actually decide your real return — and where the pitfalls hide.
1 min read · 08 Feb 2026
[ Schematic of a P2P loan marketplace ]
Basics
Understanding P2P lending: the basics for retail investors
How P2P investing works, where the return comes from and what risks sit behind it — a sober primer to get started.
1 min read · 15 Jan 2026