Overview
PeerBerry is a Croatian P2P lending platform backed by the reputable Aventus Group, offering investors access to diverse loan portfolios spanning consumer lending, business loans, leasing, and real estate investments. Founded in 2017, PeerBerry has evolved into a comprehensive marketplace serving both cautious and adventurous investors with 116,592 active investors and €3.3B in total invested capital.
The platform delivers solid 11.05% average returns with a 0% default rate in historical performance. It recently launched a groundbreaking fee-free secondary market in January 2026, positioning itself as an attractive alternative to more established competitors. Aventus Group's backing provides institutional credibility and long-term stability.
Key Features
Auto-Invest
Secondary Market
Buyback Guarantee
Mobile App
Loan Types Available
PeerBerry's diversified loan portfolio encompasses consumer lending for individual borrowers, business loans for SMEs, equipment leasing products, and real estate-backed securities. This comprehensive range allows investors to customize their portfolio allocations based on risk tolerance and return expectations.
Pros & Cons
Advantages
- ✓ Aventus Group backing provides institutional credibility and stability
- ✓ New fee-free secondary market launched January 2026 for improved liquidity
- ✓ Diverse loan portfolio covering multiple asset classes and geographies
- ✓ Competitive 11.05% returns with 0% default rate and portfolio diversification
Disadvantages
- ✕ Unregulated platform with no investor protection framework
- ✕ Secondary market very new with uncertain liquidity depth over time
- ✕ Regulatory migration from Ireland to Croatia creates uncertainty
- ✕ Smaller than Mintos with less market liquidity and investor base
How It Works
Register and Verify
Create your account with email and complete identity verification. Minimum starting investment is €10.
Add Funds
Deposit via bank transfer. Funds appear in your wallet ready to invest.
Choose Your Loans
Select individual loans from the marketplace or set auto-invest filters for automatic portfolio management.
Collect Returns & Trade
Earn monthly interest payments. Trade notes fee-free on the secondary market. All loans include buyback guarantees within 60 days.
Fee Structure
| Fee Type | Amount |
|---|---|
| Investment Fee | None |
| Secondary Market Fee | Free |
| Withdrawal Fee | None |
| Platform Fee | Embedded in returns |
Who Is It For?
PeerBerry appeals to investors seeking exposure to diverse loan types with institutional backing. The platform works well for:
- → Diversification seekers wanting exposure to consumer, business, leasing, and real estate loans
- → Portfolio traders leveraging the new fee-free secondary market
- → Mid-tier risk investors comfortable with unregulated platforms but seeking institutional backing
- → Growing portfolio managers looking for alternatives to saturated platforms like Mintos
- → European investors seeking emerging platforms with growth potential
Top Lending Companies on PeerBerry
PeerBerry sources loans from established lenders across multiple sectors and geographies. These top three companies represent the largest and most consistent contributors to the platform's diverse loan portfolio.
Aventus Group
Lithuania
Multi-sector holding company operating across 18 countries. Earned EUR 87.19M net profit in 2024 and issued EUR 1.12B in loans.
GoFingo Group
Lithuania
Consumer and business lending provider operating since 2015 with 20+ years of track record in banking and real estate.
Lithome
Lithuania
Non-bank lending company connected to Lithuanian house building companies. Offers construction-related loans.
Verdict
PeerBerry represents an exciting middle ground between Mintos's maturity and emerging platforms' risk. The Aventus Group backing provides confidence, while the diverse loan portfolio and new fee-free secondary market offer tangible advantages. The 11.05% average returns are competitive without the management fees charged by regulated competitors. With €3.3B invested and a perfect 0% default rate, PeerBerry demonstrates strong risk management.
However, the unregulated status and nascent secondary market remain concerns worth monitoring. Investors should start with a modest allocation and carefully track the platform's development. For those seeking diversification beyond Mintos without the highest-risk unregulated platforms, PeerBerry is worth serious consideration.
Frequently Asked Questions
Is PeerBerry regulated?
PeerBerry is currently not regulated under MiFID II or similar EU financial frameworks. The platform relocated from Ireland to Croatia and operates without formal investor protection. However, PeerBerry is backed by the Aventus Group, which provides institutional credibility and financial backing.
What is the minimum investment on PeerBerry?
The minimum investment on PeerBerry is just 10 EUR, making it one of the most accessible P2P platforms in Europe. This low entry point allows new investors to start with a small amount and gradually build their portfolio.
Does PeerBerry have a secondary market?
Yes, PeerBerry launched a fee-free secondary market in January 2026. This is a significant addition that allows investors to sell their loan investments to other users without any transaction fees, improving liquidity options considerably.
What returns can I expect from PeerBerry?
PeerBerry currently offers average returns of 11.05% annually. The platform has maintained a 0% default rate historically, though past performance does not guarantee future results. Returns vary based on loan type, geography, and duration.
Who backs PeerBerry?
PeerBerry is backed by the Aventus Group, a holding company with operations in financial services across multiple countries. The Aventus Group connection provides operational support and credibility, with the platform having facilitated over 3.3 billion EUR in total investments since launch.