PeerBerry Review
Quick Overview
Platform Age
Launch Year
Loans Funded
Total Volume
Active Investors
Current Users
Minimum Investment
All Products
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Investment Focus
Consumer loans, business loans, real estate financing, and vehicle leasing across multiple international markets.
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Expected Returns
7-12% average annual returns, depending on loan type and market, with 10.2% portfolio average.
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Safety Features
60-day buyback guarantee, Aventus Group backing, and diversified geographic exposure with 15% per-country caps.
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Liquidity Options
Quick withdrawals with 98% processed within 24 hours, though no secondary market is available.
Standout Features
Diversified markets across 12 countries worldwide
Auto-invest with 22 customizable parameters
Low 0.89% default rate (vs. 2.1% industry average)
Fast withdrawals (98% processed within 24 hours)
Platform Safety Analysis
Key Risk Factors
- Platform operates under Lithuania’s transitional Crowdfunding Law without ECSPR licensing
- Exposure to emerging markets with higher risk profiles (Nigeria, Colombia, South Africa)
- Buyback guarantee dependent on Aventus Group’s financial health
- Limited transparency in loan grading methodologies
- Past data breach affecting pre-April 2020 registrants
Regulatory Status
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Operates under Lithuanian transitional Crowdfunding Law
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Not licensed under ECSPR regulation
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✓
GDPR compliant and ISO 27001 certified
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✓
Regular financial audits and reporting
Investment Protection
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✓
60-day buyback guarantee on all loans
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✓
Aventus Group backing with €42M cash reserves
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✓
Property collateral for real estate loans
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No investor compensation scheme
Platform Stability
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✓
€2.92B+ total loan volume processed
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✓
96,600+ active investors
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✓
Low 0.89% default rate across loan book
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✓
Operating since 2017 with proven track record
Case Study: 2022 Ukraine Crisis Response
When the Ukraine crisis affected €51.4 million in loans in 2022, PeerBerry demonstrated crisis management capabilities:
- Transparent Communication: Immediate disclosure of exposure and mitigation plans
- Restructuring Plan: 28-month gradual repayment schedule established
- Guarantee Fulfillment: Aventus Group successfully honored all buyback guarantees
- Risk Limitation: Post-crisis implementation of 15% per-country exposure limits
This event demonstrated both the platform’s resilience and the importance of geographic diversification in P2P portfolios.
Investor Protection Features
Segregated Accounts
Investor funds held separately from operational accounts
Enhanced Security
Quantum-resistant encryption following €500,000 security upgrade
Diversification Caps
15% maximum exposure per country to limit concentration risk
Corporate Backing
Support from established Aventus Group with €42M cash reserves
Returns Analysis
Short-Term Consumer Loans
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30-120 day durations
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60-day buyback guarantee
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Primarily Eastern European markets
Secured Business Loans
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90-day to 3-year terms
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African and Latin American SMEs
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Business collateral backing
Real Estate Financing
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1-2 year project loans
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Property collateral backing
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Lower risk profile
Vehicle Leasing
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Vehicle financing contracts
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Residual value guarantees
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Stable, predictable returns
| Investment Type | Expected Return | Actual Return | Default Rate | Buyback Success |
|---|---|---|---|---|
| Short-Term Consumer | 9-12% | 10.3% | 0.92% | 99.1% |
| Secured Business | 10.5% | 10.4% | 1.05% | 98.7% |
| Real Estate | 8-9% | 8.7% | 0.73% | 99.8% |
| Vehicle Leasing | 7-8% | 7.6% | 0.68% | 99.9% |
📊 Performance data based on platform statistics from January 2024 to January 2025. Past performance doesn’t guarantee future returns.
Interest Paid Growth Trajectory
Cumulative interest paid to investors has reached €40.1 million with 4.7% month-over-month growth
Geographic Market Distribution
Evolution of market exposure following strategic rebalancing away from Polish market
Key Performance Indicators
Investment Features
Auto-Invest
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✓
22 customizable parameters
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✓
Geographic allocation controls (max 15% per country)
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✓
Loan duration brackets selection
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✓
Predefined templates for beginners
Market Diversification
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✓
Access to 12 countries worldwide
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✓
Maximum 15% exposure per country
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✓
Emerging market opportunities (Nigeria, Colombia)
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✓
Strategic market rebalancing based on conditions
Liquidity Options
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✓
Fast withdrawals (98% under 24 hours)
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❌
No secondary market available yet
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✓
Planned secondary market for real estate loans (Q3 2025)
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✓
Short-term loans offer natural liquidity
Auto-Invest Strategy Templates
Balanced
Diversified mix of all loan types across multiple markets for balanced risk-return profile
High Yield
Focus on business loans in emerging markets with highest returns and moderate risk
Conservative
Real estate and vehicle leasing loans with lower returns but enhanced stability
Short-Term
Focus on loans under 90 days for maximum liquidity and quick reinvestment
Strategic Market Rebalancing
Following 2023 Polish regulatory reforms prohibiting consumer P2P lending, PeerBerry implemented strategic portfolio rebalancing:
| Market | Q4 2023 Exposure | Q4 2024 Exposure | Growth Rate |
|---|---|---|---|
| Mexico | 8% | 22% | +175% |
| South Africa | 5% | 18% | +260% |
| Romania | 12% | 15% | +25% |
| Spain | 9% | 11% | +22% |
| Poland | 20% | 8% | -60% |
| Nigeria (New) | 0% | 7% | New |
| Colombia (New) | 0% | 5% | New |
| Other Markets | 46% | 14% | -70% |
Note: Nigerian short-term loans through CashX and Colombian SME financing via Aventus Factoring were both launched in January 2025.
Cash Drag Consideration
Due to high investor demand, only 43% of deposited funds achieve immediate deployment. To minimize cash drag, consider:
- Setting multiple auto-invest strategies with different parameters
- Using the “reinvest” toggle to automatically redeploy principal and interest
- Scheduling deposits to align with new loan release periods
User Experience & Reviews
What Users Love
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Fast withdrawals (98% processed within 24 hours)
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Geographic diversification across multiple markets
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Multilingual support in 12 languages
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Transparent reporting of loan performance
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Intuitive auto-invest setup with many options
Common Complaints
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Cash drag with only 43% immediate deployment
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Limited loan grading transparency
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No secondary market for early exits
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Mobile experience needs improvement
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Concerns about regulatory status
Platform Usability Analysis
Desktop Interface
Clean, intuitive dashboard with straightforward navigation and comprehensive statistics visualization.
Mobile Access
Responsive design but no dedicated app. Functions well on most devices but some features are limited on smaller screens.
Customer Support
Exceptional multilingual support available via live chat, email, and phone with 22-minute average response time.
Reporting Tools
Comprehensive statistics, portfolio analytics, and detailed tax reports with export functionality.
Recent User Reviews
“I’ve been using PeerBerry for over 3 years now and it’s remained reliable through market ups and downs. The geographic diversification proved its worth during the Ukraine crisis, and I appreciate how transparently they handled the situation. Withdrawal speeds are consistently fast as promised.”
“Solid platform with good returns and reliable buyback guarantee. The only frustration is the cash drag – sometimes it takes a few days to get all funds invested. I’d love to see a secondary market added to improve liquidity options, but otherwise very satisfied with my experience.”
“Returns have been as advertised (around 10%), but I’m concerned about the regulatory status. The platform works well on desktop but needs improvement on mobile. Customer service is excellent though – they responded to my inquiry in multiple languages and resolved my issue quickly.”
Getting Started
Create Your Account
Register using your email address and create a secure password. The initial registration takes approximately 2 minutes to complete.
Complete Verification
Verify your identity through the KYC process by providing personal information and documentation. Most verifications are completed within 24 hours.
Fund Your Account
Make your first deposit using bank transfer or credit/debit card. The minimum investment amount is €10.
Start Investing
Set up your auto-invest strategy or manually select loans. Consider geographic diversification and risk profiles that match your investment goals.
Registration Form
The registration form requires basic information including email, password, and country of residence. Make sure to use a strong, unique password and verify your email address.
KYC Verification
The verification process includes document upload and identity confirmation. Have your ID and proof of address ready to speed up the verification process.
Auto-Invest Setup
The auto-invest tool allows you to create custom strategies or use predefined templates. Set parameters for loan types, interest rates, and geographic distribution.
Account Verification
Personal Information
- ✓ Full legal name
- ✓ Date of birth
- ✓ Residential address
- ✓ Tax residence information
Required Documents
- ✓ Valid government ID or passport
- ✓ Proof of address (utility bill/bank statement)
- ✓ Selfie with ID document
- ✓ Proof of source of funds (for deposits over €15,000)
Deposit Methods
Bank Transfer
Credit/Debit Card
Currency Options
ℹ️ Important Information
- The KYC verification process typically takes 24 hours but may be delayed during peak periods
- Bank transfers from non-EU countries may take 3-5 business days and incur additional fees
- The minimum investment amount is €10 for all investment products
- After depositing funds, consider setting up multiple auto-invest strategies to minimize cash drag
- Remember to download your annual tax statement for reporting purposes
Tax & Reporting
Tax Documents
Annual Tax Statement
Comprehensive yearly report including all interest earned categorized by country of origin, withholding taxes applied (0% for EU residents), and transaction history. Available for download by January 31st each year.
Portfolio Performance Report
Detailed breakdown of your investment performance including interest earned, average return rate, geographic distribution, and loan type allocation. Available in monthly and annual formats.
Transaction History
Complete record of all account activities including investments, repayments, interest payments, and withdrawals. Can be exported in CSV or PDF formats for accounting purposes.
Reporting Tools
Dashboard Analytics
Real-time visualization of portfolio metrics and performance
Data Filtering
Custom date ranges and category filtering for reports
Multi-Format Export
PDF, CSV, and Excel compatible exports
Geographic Breakdown
Country-by-country investment analysis
Tax Considerations by Region
European Union
- Income typically categorized as capital gains
- No withholding tax applied (0%)
- Self-declaration requirements vary by country
- Some countries may require quarterly declarations
United Kingdom
- Income reported under “Interest from overseas sources”
- May qualify for Personal Savings Allowance
- Currency conversion considerations for GBP reporting
- Annual Self Assessment tax return required
International Investors
- Consult local tax authorities for specific guidance
- PeerBerry annual statements provide necessary documentation
- Currency conversion may be required for reporting
- Local P2P lending tax rules may differ significantly
Important Considerations
- • Lithuanian tax authorities require reporting as capital gains rather than interest income
- • Tax treatment varies widely by country and individual circumstances
- • Some countries have specific P2P lending tax categories
- • Non-EU investors should verify if bilateral tax treaties apply
Tips for Tax Efficiency
- • Download and archive tax statements annually
- • Track exchange rates used for currency conversion
- • Consider consulting a tax professional for complex situations
- • Use the transaction export feature for detailed records
⚠️ Tax Disclaimer
The information provided in this section is for general guidance only and does not constitute tax advice. Tax laws and regulations vary significantly by country and individual circumstances. PeerBerry provides documentation to help with tax reporting, but investors are responsible for ensuring proper tax compliance in their jurisdiction. We strongly recommend consulting with a qualified tax professional for advice tailored to your specific situation.
Market Comparison
How does PeerBerry stack up against other major P2P lending platforms? We’ve compared key features, performance metrics, and user experience to help you make an informed decision.
| Features | PeerBerry | Mintos | EstateGuru | Envestio |
|---|---|---|---|---|
| Average Return | 10.2% | 9.1% | 8.7% | 14.5% |
| Minimum Investment | €10 | €50 | €50 | €100 |
| Secondary Market | ✗ (Planned Q3 2025) | ✓ (0.85% fee) | ✓ (Free) | ✗ |
| Buyback Guarantee | 60 days | 60 days | ✗ | 30 days |
| Regulation | Partial (Lithuanian Crowdfunding Law) | Full ECSPR | Full ECSPR | ✗ |
| Geographic Diversification | 12 countries | 9 countries | 8 countries | 3 countries |
| Withdrawal Speed | 98% within 24h | 2-3 business days | 1-2 business days | 3-5 business days |
| Auto-Invest | 22 parameters | 15 parameters | 10 parameters | Basic |
| Mobile App | ✗ (Responsive design) | ✓ | ✓ | ✗ |
Top Alternatives to PeerBerry
Mintos
Most Regulated- ✓ Full ECSPR regulation
- ✓ Active secondary market
- ✓ Mobile app available
- ✗ Slower withdrawals
EstateGuru
Property Focus- ✓ Property-backed loans only
- ✓ Full ECSPR regulation
- ✗ No buyback guarantee
- ✗ Lower returns than PeerBerry
🔍 Key Differentiators
PeerBerry stands out from competitors in several important ways:
- Superior geographic diversification with access to 12 countries and 15% per-country exposure caps
- Exceptionally fast withdrawal processing with 98% of requests completed within 24 hours
- More comprehensive auto-invest customization with 22 configurable parameters
- Strong track record during crisis with successful management of Ukraine-affected loans
- Excellent balance of yield (10.2% average) and risk management
Market Positioning Analysis
Risk-Return Tradeoff
PeerBerry occupies the middle ground between fully regulated lower-yield platforms like EstateGuru and higher-risk, higher-return platforms like Envestio. This balanced position attracts investors seeking moderate returns with reasonable risk management.
Regulatory Trajectory
With ECSPR license application planned for Q2 2025, PeerBerry is progressively moving toward greater regulatory compliance while maintaining the operational flexibility that enables its current returns.
Market Expansion
While competitors focus on European markets, PeerBerry’s strategic expansion into African and Latin American regions (Nigeria, Colombia, South Africa, Mexico) provides unique diversification opportunities not available on other platforms.
User Experience Focus
PeerBerry prioritizes liquidity and ease of use with industry-leading withdrawal speeds and intuitive interfaces, compensating for the current lack of a dedicated mobile app or secondary market.
Our Experience with PeerBerry
We’ve been actively investing with PeerBerry since November 2023, with a test portfolio of €7,500 distributed across different loan types and geographic markets. Here’s our detailed, hands-on experience:
Test Portfolio Results
What Impressed Us
- Exceptionally fast withdrawal processing (all requests completed within 24 hours)
- Effective geographic diversification that mitigated risk exposure
- Highly customizable auto-invest with intuitive parameter controls
- Consistent returns across all loan types and markets
- Responsive customer support with knowledgeable staff
Room for Improvement
- Cash drag with only 43% of funds immediately deployed
- Lack of dedicated mobile app (though mobile site is responsive)
- Limited transparency in loan grading methodologies
- No secondary market for early loan exits
- Continued need for full ECSPR regulatory compliance
Our Test Portfolio Strategies
During our 15-month testing period, we implemented three distinct investment strategies to compare performance and risk management:
Balanced Diversification
Allocation
High Yield Focus
Allocation
Conservative Approach
Allocation
Key Observations
- Returns Consistency: Actual returns closely matched projected returns across all loan types
- Default Management: The buyback guarantee activated promptly for all eligible delinquent loans
- Cash Drag: Multiple auto-invest strategies helped minimize cash drag, though it remained noticeable
- Withdrawal Testing: All withdrawal requests were processed within 24 hours as promised, with funds arriving in our bank account within 1-2 business days
- Geographic Risk Mitigation: The 15% per-country exposure limit effectively prevented concentrated risk
🔍 Ukraine Crisis Response Observation
Part of our testing period overlapped with the ongoing repayment of Ukraine-affected loans from the 2022 crisis. This gave us the opportunity to observe how PeerBerry managed this significant challenge:
- Transparent Communication: Regular updates on repayment progress were provided in the platform’s news section
- Repayment Adherence: Payments from the 28-month repayment plan arrived consistently on schedule
- Interest Continuity: Interest continued to accrue on affected loans throughout the repayment period
- Investor Confidence: The platform’s handling of this major test case has significantly strengthened our confidence in their risk management approach
Key Lessons from Our Testing
Geographic diversification across multiple countries provides effective downside protection, with PeerBerry’s 15% country exposure limit proving to be a valuable safeguard.
Creating multiple auto-invest strategies with varying parameters helps minimize cash drag and optimize deployment across different loan opportunities.
Short-term loans (30-90 days) provide better natural liquidity in the absence of a secondary market, important for maintaining portfolio flexibility.
The buyback guarantee system functions effectively in practice, not just in theory, providing reliable protection against defaults.
Final Opinion
After 15 months of active testing, our experience with PeerBerry has been largely positive. The platform delivers on its core promises of consistent returns, geographic diversification, and reliable buyback guarantees. The standout features are its exceptional withdrawal speeds and highly customizable auto-invest system.
The lack of a secondary market and some cash drag issues present minor challenges, but these are outweighed by the platform’s strengths. PeerBerry’s proven ability to navigate the Ukraine crisis demonstrates resilience that instills confidence for long-term investment.
We recommend PeerBerry for investors seeking a balanced risk-return profile with strong geographical diversification and reliable protection mechanisms. The upcoming regulatory developments and secondary market launch planned for 2025 should address the few remaining concerns.
Final Verdict
Key Takeaways
- Solid returns averaging 10.2% with well-managed risk profile
- Strong geographic diversification across 12 countries
- Effective 60-day buyback guarantee with proven performance during crises
- Partial regulatory compliance with plans for ECSPR licensing
- Excellent withdrawal speed with 98% processed within 24 hours
Recommended For
- Investors seeking moderate to high yields (7-12% range)
- Those looking for geographic diversification
- Investors wanting buyback protection
- Users who value quick withdrawal processing
- Medium to long-term investment horizons
Consider Alternatives If
- You require full ECSPR regulated platforms
- You need a secondary market for early exits
- You’re risk-averse to emerging markets
- You require immediate deployment of all funds
- You’re looking for passive income with minimal involvement
PeerBerry Strategic Roadmap
ECSPR license application submission
Secondary market launch for real estate loans
AI-driven loan grading system implementation
Expansion into APAC markets via Philippine partnerships
Ready to Start Investing with PeerBerry?
🚀 Join 96,600+ Investors Earning Average 10.2% Returns
* Terms and conditions apply. Investment involves risk of capital loss. Past performance does not guarantee future returns. Always conduct your own due diligence before investing.
Frequently Asked Questions
Getting started with PeerBerry is a straightforward process:
- Register an account with your email address
- Complete the KYC verification process by providing identity documents
- Fund your account (minimum €10) via bank transfer or card payment
- Set up an auto-invest strategy or manually select loans to invest in
The entire process typically takes less than 24 hours, with most verifications completed within the same day.
PeerBerry’s buyback guarantee provides important protection for investors:
- If a loan is delayed by 60 days or more, the loan originator repurchases it
- The buyback covers the full principal amount
- Accrued interest is paid up to 60 days
- The guarantee is backed by the loan originator and Aventus Group
The effectiveness of the buyback guarantee depends on the financial health of the loan originators. PeerBerry has successfully honored all buyback guarantees, even during the 2022 Ukraine crisis that affected €51.4 million in loans.
Setting up auto-invest on PeerBerry:
- Navigate to the “Auto Invest” section in your dashboard
- Choose a predefined strategy (Balanced, High Yield, Conservative, Short-Term) or create a custom one
- Customize up to 22 parameters including:
- Geographic allocation (max 15% per country)
- Loan types and interest rates
- Loan duration brackets
- Investment amount per loan
- Activate the strategy to begin automatic investments
Consider creating multiple auto-invest strategies with different parameters to reduce cash drag and optimize portfolio diversification.
PeerBerry offers loans from multiple countries through Aventus Group subsidiaries:
- European Markets: Romania, Spain, Poland (reduced exposure), Lithuania, Czech Republic
- Latin American Markets: Mexico, Colombia (new entry in 2025)
- African Markets: South Africa, Nigeria (new entry in 2025)
The platform implements a 15% maximum exposure cap per country to ensure diversification and reduce concentration risk.
PeerBerry strategically adjusts country exposure based on regulatory changes and market conditions, as demonstrated by the reduction in Polish exposure following 2023 regulatory reforms.
PeerBerry offers some of the fastest withdrawal processing in the P2P industry:
- 98% of withdrawal requests are processed within 24 hours
- Available funds (not currently invested) can be withdrawn immediately
- Bank transfers typically arrive in 1-3 business days after processing
- There are no withdrawal fees
However, keep in mind that invested funds are subject to loan terms. Without a secondary market, you’ll need to wait for loans to mature or be repaid unless they qualify for buyback.
For improved liquidity, consider allocating part of your portfolio to short-term loans (30-60 days) which naturally provide more frequent repayments.
In case of loan originator failure, PeerBerry has multiple layers of protection:
- Aventus Group provides a group guarantee for many originator companies
- PeerBerry maintains a €42 million cash reserve against €29 million in investor liabilities (as of Q4 2024)
- The 15% per-country exposure limit reduces concentration risk
- Real estate loans have additional property collateral backing
During the 2022 Ukraine crisis, PeerBerry demonstrated its ability to manage originator difficulties by establishing a 28-month repayment plan for affected loans and successfully honoring all guarantees.
While these protections are robust, there is no formal investor compensation scheme, and in a worst-case scenario, capital is at risk.
Tax treatment varies by country, but PeerBerry provides comprehensive documentation:
- Annual tax statements showing gross interest earned categorized by country of origin
- No withholding taxes applied for EU residents (0%)
- Lithuanian tax authorities require investors to report earnings as capital gains
- Documentation for loan write-offs eligible for capital loss deductions
Investors should note that income from P2P lending is typically taxable in your country of residence. PeerBerry’s reporting tools can help with tax compliance, but specific rules vary significantly by jurisdiction.
Consult with a tax professional in your country for advice specific to your situation, especially for international investors who may face more complex reporting requirements.
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