PeerBerry
P2P Lending Review
The only P2P platform in Europe to have fully repaid all war-affected loans — €51.4 million returned to investors without a single euro lost. Zero defaults in platform history. 11.02% average annual return across €3.42 billion funded.
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PeerBerry was founded in 2017 and is registered as Peerberry d.o.o. in Zagreb, Croatia, with its operational office in Vilnius, Lithuania. It is a peer-to-peer lending marketplace — meaning you invest in loans originated by third-party lending companies (called loan originators), rather than the platform lending directly as Bondora does with Go & Grow.
The platform’s single most important credential is its handling of the Russia-Ukraine war. When the war began in February 2022, PeerBerry had €51.4 million in investor funds tied up in war-affected loans from Ukrainian and Russian originators. It was the only European P2P platform to fully repay all of those obligations to investors — every euro, with interest, without exception. Every other platform that had exposure to the same region left investors with partial or unresolved recoveries. PeerBerry did not.
As of July 3, 2026, the live statistics page confirms: 95.09% of investments are current, with 0% in any overdue category (1-15 days, 16-30 days, 31-60 days, 61+ days). The platform states explicitly: “PeerBerry has never had regular loans overdue for more than 60 days. There have never been defaulted loans in PeerBerry’s history.” This is a remarkable record for a platform that has been operating for 9 years through COVID, war, and multiple rate cycles.
PeerBerry is a marketplace model, not a direct lender. Understanding the structure is important — and it is where the website can feel confusing, because PeerBerry organises its originators into groups and sub-entities that can be hard to follow. Here is how it actually works:
Most P2P platforms offer a buyback guarantee from the originator. PeerBerry adds a group guarantee on top: the parent group entity (e.g. Aventus Group) guarantees the originator’s buyback obligations. This double-layer structure — individual originator buyback + group parent backstop — is the structural reason PeerBerry has never had a defaulted loan in its history. It only works as long as the group itself remains solvent, which is why originator group financial health matters.
This is the section the PeerBerry website makes unnecessarily complicated. The platform lists 36+ individual originator names, but they all belong to just 5 originator groups. Understanding the groups — not the individual entities — is what matters for risk assessment. The group guarantee only applies within a group, so if you have all your capital in Aventus Group originators, your diversification across originators is more limited than it appears.
One concentration point deserves explicit attention: Aventus Group represents over 83% of PeerBerry’s total loan book. Of the 36 active originator entities on the platform, approximately 17 belong to Aventus. Geographically you are spread across 15+ countries, but at the credit-risk level, the vast majority of your exposure is to one group. Aventus Group is financially strong — it reported €225.7M equity and €95.7M net profit in 2025 — but investors should understand that PeerBerry’s diversification is largely geographic, not structural.
The largest originator group on PeerBerry, representing over 83% of the total loan book. Founded 2009, 5,000+ employees, 20+ countries. Reported €225.7M equity and €95.7M net profit in 2025. Brings short-term, long-term, business, leasing, and real estate loans. The group stepped up to repay the full €51.4M in war-affected loans — the group guarantee in real-world action. Rates: 7.5-10%.
Consumer and business loan provider focused on Lithuania and Czech Republic. Uses big data and FinTech solutions for risk management. Stakeholders have 20+ years of banking and lending experience. Brings business and short-term consumer loans to PeerBerry. Rate: 8%.
One of the top 10 largest residential real estate developers in Vilnius, Lithuania’s capital. Has developed over 75,000 m2 of living space worth over €100 million. Brings real estate development loans at 8.5% to PeerBerry. Note: Lithome loans carry buyback guarantee but no group guarantee — there is no parent group backstop.
Lithuanian real estate developer focused on residential and commercial projects in Vilnius, operating both independently and with partners. Currently the largest single originator by outstanding loans on PeerBerry at €37.56M at 10% interest — the highest yield available on the platform. Note: SIB Group loans also carry no group guarantee.
A Lithuanian renewable energy company that owns and develops wind farms, with plans to expand into solar. Unique in the P2P space — instead of consumer or business loans, Litelektra uses PeerBerry to finance energy infrastructure projects. Brings business loans at 8.5%, €4.3M outstanding. Covered by Gofingo group guarantee.
Lithome and SIB Group — the two real estate originators — carry only a buyback guarantee, not a group guarantee. This means if either fails, there is no parent group entity to cover the obligation. Real estate loans also tend to be longer duration and less liquid. The SIB Group tranche alone represents €37.56M of the outstanding portfolio at 10% — if you are investing for the higher yield, understand that this comes without the double protection that consumer loans carry.
PeerBerry offers five loan types across its originator groups. Understanding the differences helps you build a more deliberate portfolio rather than just using the default auto-invest settings:
| Loan Type | Interest Rate | Duration | Group Guarantee | Key Notes |
|---|---|---|---|---|
| Short-term (consumer) | 9-10% | Days to 3 months | Yes | Payday-style consumer loans. Fast capital recycling. Aventus & Gofingo. |
| Long-term (consumer) | 8% | 3-60 months | Yes | Instalment consumer loans. Moldova, Poland. Aventus Group. |
| Business loans | 7.5-9% | Variable | Yes (most) | SME lending. Aventus, Gofingo, Litelektra. Litelektra = renewable energy financing. |
| Real estate | 8.5-10% | 12-36 months | No | Lithome (8.5%) & SIB Group (10%). Development loans. No group guarantee — higher yield, higher risk. |
| Leasing | 8.5% | Variable | Yes | Vehicle leasing loans from Kazakhstan (Auto-Money KZ). Secured against vehicles. |
The 11.02% average annual return is the platform-wide figure across all investors. New investors using standard auto-invest settings can expect returns in the 9-11% range depending on which loan types and originators they select. The highest-yield option is SIB Group real estate at 10%, but without a group guarantee. Consumer short-term loans from Aventus Group at 9-10% with group guarantee are the most popular combination for investors prioritising the double protection structure.
| Feature | Detail |
|---|---|
| Auto-Invest | Set your criteria (loan type, originator, country, duration, rate, amount per loan) and the platform invests automatically. Can combine with manual investing for best efficiency. |
| Manual investing | Browse and filter the full loan list. Invest from €10 per loan. Full control over originator and loan type selection. |
| Secondary market | Launched January 2026. Sell loans before maturity to other investors. No fees on secondary market transactions (confirmed by PeerBerry help centre). Liquidity is new and untested under stress — do not rely on it for critical liquidity needs. Note: a 6-month holding period applies before loans can be listed. |
| Mobile app | iOS and Android. Full functionality: invest, track portfolio, generate tax reports, withdraw funds. |
| Welcome bonus | +0.5% on your investment return for 90 days after registration. |
| Loyalty rewards | Up to 1% bonus based on portfolio size for long-term investors. |
| Minimum investment | €10 per loan. No minimum account balance. |
| Deposits & withdrawals | SEPA only. From EU credit institutions or equivalent AML/CFT jurisdictions. No fees on deposits or withdrawals. Maximum €15,000 per withdrawal transaction (multiple transactions for larger amounts). |
| Fees | No fees to investors — no management fee, no deposit fee, no withdrawal fee, no secondary market fee. PeerBerry earns from the spread between originator rates and investor rates. |
| Cash drag | Investor demand can outpace loan supply, leaving funds uninvested. At peak times, manual investing during business hours outperforms auto-invest. Worth monitoring actively, especially with larger portfolios. |
| Tax reports | Available in-app and online for self-assessment filing. |
| Who can invest | Individuals and companies. Age 18+. EU residents or third countries with equivalent AML/CFT systems. |
PeerBerry (Peerberry d.o.o.) is registered in Croatia and operates its office from Vilnius, Lithuania. It is not MiFID II licensed and there is no investor compensation scheme covering PeerBerry investors. This is the key regulatory gap compared to Mintos, which holds a full MiFID II licence and covers investors up to €20,000 through Latvia’s investor compensation scheme.
PeerBerry itself has no investment firm licence and no ECSP licence. It applied for an ECSP licence with the Bank of Lithuania in autumn 2024, but as of July 2026 no approval has been confirmed. Its spin-off Crowdpear — a real estate crowdfunding platform sharing the same CEO (Arunas Lekavicious) and two of three shareholders — holds a full ECSP licence from the Bank of Lithuania (granted July 2023). Crowdpear is regulated, PeerBerry is not. Investors who want PeerBerry’s management track record inside a regulated wrapper can use Crowdpear for real estate exposure, but holding both means concentrating in the same management and ownership cluster.
What PeerBerry does have in place of regulatory protection is an exceptionally strong operating track record: nine years of operation, zero defaults, full war-loan repayment, and a live statistics page updated daily showing 0% of loans in any overdue category. In the P2P sector, demonstrated behaviour under stress is arguably more meaningful than regulatory framework for assessing real investor risk.
PeerBerry was launched by Aventus Group — the same company that is its largest loan originator. Aventus Group’s largest shareholder Andrejus Trofimovas holds 50% of PeerBerry and is simultaneously CEO of Aventus Group. PeerBerry’s CEO Arunas Lekavicious is also CEO of Crowdpear. Two of PeerBerry’s three shareholders also own Crowdpear. This creates a single management and ownership cluster across PeerBerry, Aventus, and Crowdpear. The platform’s incentives and its main originator’s incentives sit with the same people. This is not unusual in the P2P sector — many platforms are launched by their own loan originators. But investors should know it when assessing independence of due diligence and originator oversight. The track record — zero defaults, full war-loan repayment — suggests the structure has worked. The concentration risk is structural, not a red flag.
No MiFID II licence. No investor compensation scheme (Mintos covers up to €20,000 per investor for platform insolvency). No KPMG-audited annual accounts published. PeerBerry does not publish its own financial statements. The protection comes entirely from the originator group guarantee structure and the platform’s operating track record — not from regulatory frameworks. Size your PeerBerry position accordingly.
- EU investors building a multi-platform P2P portfolio
- Diversifying away from Mintos originator pool
- Investors prioritising clean default track record
- Those comfortable without MiFID II protection
- Short-term and real estate loan exposure seekers
- Investors wanting loyalty bonuses for long-term hold
- Investors needing MiFID II regulatory protection
- Those relying on secondary market liquidity (too new)
- First-time P2P investors (start with Go & Grow)
- Non-EU residents outside equivalent AML jurisdictions