Stable returns

  • High and stable returns
  • New way to diversify
  • No fees

Risk management

  • Geographical diversification
  • Personal guaranteed or collaterals
  • Limited credit loss risk

Investing products

  • Peer to peer loans
  • Business loans
  • Invoices

Invest in loans with limited credit risk

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Fellow Finance

The leading marketplace lending platform in Notrhern Europe for creditworthy consumer and business borrowers and for anybody who wants to gain rerturns for their spare money.

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Registration

Set up your free investment account and set your lending criteria. You can invest manually in loan applications or automate your investment by using a Loan Allocator.

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Loan contract

A loan contract is automatically signed between you and the borrower when the loan is withdrawn. Fellow Finance manages all the administration between parties involved.

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Stable and steady returns

You receive monthly interests and repayments which you can re-invest to receive compound interest. If needed, porfolio can be liquidated on the secondary market.

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Fellow Finance Plc is regulated by the Financial Supervisory Authority of Finland as an Authorised Payment Institution

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A new profitable asset class

Consumer and business loans have offered a high annual return for investors. The average annual return after credit losses has been around 10%. Investing in loans offers you an access to a new asset class. The return on loans does not correlate significantly with the stock or bond markets indicating that loans are a good addition to managing your own total portfolio.

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Profit from capital lent

The return is interest based on capital you have lent. The interest rate of a loan is determined in an auction between investors. Interest rates generally vary between 5-20%. The level of interest rate in our service offers competitive loans for borrowers and a excellent return opportunities for investors.

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Limited credit risk

In Finnish and Polish peer to peer loans the credit risk is limited by selling unpaid loans to collection agencies. In addition, a voluntary payment protection insurance is offered for Finnish consumers. In business loans the credit risk is significantly reduced by an entrepreneur's own personal guarantee and also often a collateral such as real estate or enterprise mortgage.

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Consumers and businesses

Our online marketplace combines those who want to save their spare money for those who need temporary funding. Both a borrower and a lender decide the terms on which they are willing lend and borrow. You can invest in German, Polish, Swedish and Finnish consumer loans and Finnish business loans and trade receivables.

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The leader in Northern Europe

Fellow Finance is the leading marketplace lending platform in Northern Europe. We have intermediated through our marketplace for over 240 million euros of loans and the platform has been used by over 300 000 borrowers and over 7 000 investors. Did you know that more than 70% of peer-to-peer applications are rejected because of rigorous credit policy?

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Investing for everyone

Are you considering a new alternative investment asset class to diversify your total investment portfolio or are you thinking to start your journey as an investor? Whether you are looking for a savings instrument or managing a bigger portfolio Fellow Finance enables you to invest in an asset class earlier unavailable. We have made he investing in consumer and business loans easy. Over 15 years of experience in credit risk management and investing in loans we have built the most advanced marketplace lending platform in Northern Europe. Since our establishment in 2013 we have grown to become the leader in Northern Europe in our field. We offer a possibility to invest directly in loans for investors free of charge.

Become a banker in 2018

By investing in loans you will have an access to an investment product that has previously been exclusively available for banks. According to the bank earning logic, a bank collects money from depositors at a low deposit rate to lend the same money to borrowers at a higher interest rate. Our platform removes the bank between a saver and a borrower and the saver himself chooses whom and on what terms he wants to lend his spare money. Thus, the saver gets the entire interest from his money without brokerage fees earlier taken by the bank. Fellow Finance is a part of the sharing economy digital solutions are used to connect the end users without traditional intermediaries. Why lend money at a low interest rate to a bank if you now can lend it directly at a higher interest rate?

Credit risk management

Fellow Finance finds and identifies the loan applicants and assesses their loan applications. To have his loan application accepted the borrower can’t have any earlier payment defaults and needs to have sufficient monthly disposable income to repay the monthly instalment. You choose whom you are willing to lend and on which terms. Our machine learning based credit scoring model has a proven track record that can be observed on our statistics page.

Diversification of porfolio

You can easily diversify investment portfolio in hundreds of loans to reduce credit risk significantly and making it possible to get steady returns with low volatility. You can diversify your loan portfolio geographically in German, Polish and Finnish peer to peer loans and Finnish business loans and trade receivables. Investing your total capital to at least 100 different loans decreases credit risk. A maximum 1% of the total capital should be invested in one loan within a single loan market. Investing in peer to peer and business loans enables you to diversify your overall investments in to a totally new asset class that does not correlate much with traditional asset classes such as stocks and bonds.

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Institutional investors receive

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Peer to peer and business loans

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High returns

The historical average annual return of investment has been around 10% after credit losses

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Limited credit risk

Finnish and Polish peer to per loans have limited credit risk as unpaid loans are sold to collection agencies

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Compound interest

Received payments can be automatically re-invested in new loans in order to benefit from the compound interest

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Diversification

Portfolio can be diversified in hundreds of loans. By investing in loans directly you also diversify your total investments in a new asset class

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Transparency

Real-time status of investments and cash flows are available with advanced tools for portfolio analysis.

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No fees

Opening an investment account and investing in loans is free of charge for everybody at Fellow Finance service.

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​Secure service

Interest yield is based on a contract between a lender and a borrower. Thus, the investors are not financing Fellow Finance

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Secondary market

You can sell your loans on the secondary market. This enables to withdraw investments from the service quickly if needed.

See how it works by testing the demo

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