PeerBerry
Our take
PeerBerry bundles short-term consumer loans with a buyback guarantee: if a loan falls into arrears, the lender repurchases it including accrued interest. That sounds like safety — and in practice it has worked reliably so far.
The fine print is what matters: a buyback guarantee is only as dependable as the lender that issues it. Because many loans originate from the same corporate group, concentration risk builds up. High returns here are the compensation for exactly that counterparty risk — and there is no deposit insurance.
Strengths
- Attractive double-digit target returns at short maturities
- Lender buyback guarantee on late loans
- Group guarantee from the Aventus/Gofingo group on many loans
Weaknesses
- A buyback guarantee is only as strong as the lender behind it
- Concentration risk: many loans come from the same corporate group
- No independent EU regulation; no deposit insurance
Risk profile: medium-high
Frequently asked questions
What is the average return at PeerBerry?
PeerBerry offers approximately 11.0% p.a. gross return. The high target yield reflects the counterparty risk — a buyback guarantee does not replace deposit insurance.
Is PeerBerry regulated?
No, PeerBerry is not independently EU-regulated. There is no investment firm licence or ECSP authorisation. This is a relevant risk that investors should factor in.
Does PeerBerry have a secondary market?
No, PeerBerry currently has no secondary market. Invested capital remains locked until repayment, unless a buyback applies.
Who is PeerBerry best suited for?
PeerBerry is best suited for more experienced investors seeking short maturities (1–12 months) and high target returns who knowingly accept the concentration and counterparty risk of a single corporate group.