P2P lending software for Europe

Marketplace lending for platforms in the Baltics and across the EU: borrower scoring, investor accounts, auto-invest and servicing in one place.

See markets
lendhero P2P lending · Europe software interface
45
Europe markets with local setup
650+
local connectors ready to switch on
2 sides
borrower and investor portals on one platform
1–2
weeks from kickoff to the first loan

What you get

P2P lending in Europe, configured, not coded.

Investor accounts

Onboarding, KYC and wallets for retail and institutional investors.

Auto-invest

Rules that spread funds across loans by grade and term.

Loan listings

Publish, fund and close loans with clear investor terms.

Payment waterfall

Repayments split across investors automatically.

Secondary market

Let investors sell loan parts to each other.

Investor statements

Returns, defaults and tax documents in one place.

Reporting and analytics

Marketplace, investor and loan reporting

  • 25+ ready reportsFunding speed, investor returns, defaults and recoveries by loan grade.
  • BI and analyticsFeed marketplace data to your BI tools and investor dashboards.
  • Accounting and taxPlatform fees, investor payouts and tax withholding post to local accounting systems, across Europe.
Marketplace, investor and loan reporting: lendhero interface

Local rails

Ready in the markets that matter for P2P lending.

  • Estonia5 connectors
    • CCreditinfo Estonia
    • SSmart-ID
    • SSEPA
    • SSEPA Instant
    • SSEPA Direct Debit
  • Latvia5 connectors
    • CCredit Register of the Bank of Latvia
    • SSmart-ID
    • SSEPA
    • SSEPA Instant
    • SSEPA Direct Debit
  • Lithuania5 connectors
    • LLoan Risk Database
    • SSmart-ID
    • SSEPA
    • SSEPA Instant
    • SSEPA Direct Debit
  • United Kingdom5 connectors
    • EExperian
    • OOnfido
    • FFaster Payments
    • BBacs
    • DDirect Debit
  • Germany5 connectors
    • SSCHUFA
    • IIDnow
    • SSEPA
    • SSEPA Instant
    • SSEPA Direct Debit
  • Spain5 connectors
    • CCIRBE
    • OOnfido
    • SSEPA
    • BBizum
    • SSEPA Direct Debit

All Europe markets

Open Europe

Integrations

Connected out of the box

Connect SEPA and open banking, card issuing, KYC, credit bureaus, messaging and e-signature providers across Europe out of the box.

  • Connected out of the box4 ready connectors
    • TTink
    • TTrueLayer
    • VVeriff
    • EExperian

Questions

Frequently asked

Didn’t find the answer? Write to us and we’ll reply within one business day.

Which Europe markets is it available in?+

All 45. The most active for P2P lending are Estonia, Latvia, Lithuania and the United Kingdom.

Can we use local bureaus and wallets?+

Yes. Local credit bureaus, ID registries, wallets and payment rails come connected; the country pages list them one by one.

How long does a launch take?+

A standard SaaS launch takes 1–2 weeks. On-premise installations and migrations from another system usually take 6–10 weeks.

Can we run several countries on one platform?+

Yes. One installation serves several countries, each with its own currency, products, languages and local connectors.

Which other products run in Europe?+

Microfinance lending, BNPL & POS lending, Auto financing, Islamic financing, Business lending and Bank lending. Each one has its own page for Europe.

Book a demo

Launching P2P lending in Europe?

We’ll walk you through the platform, show what matters for your products and answer questions about your business.

  • A 30-minute call
  • A walkthrough on your products and markets
  • Answers on timeline, integrations and pricing

Tell us about your lending

We reply within one business day.

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