On August 2019 I realized that I’m investing for 12 months on Grupeer. Being one of my Top 10 P2P CrowdInvesting platforms, I felt this to be the right moment to share my experience and explain why investing in Grupeer offers a consistent source of fixed returns to my portfolio.
Grupeer Platform Quick Review
Grupeer is one of the most stable players in the P2P lending business ecosystem. You can invest in real estate projects and business loans and earn around 13% per year in interest. The minimum investment required is €10 and all loans in Grupeer have a buyback guarantee in case of borrower’s payments is delayed for more than 60 days (if the lender can’t pay, the loan originator company repurchases the debt).
Available to the public since February 2017, Grupeer works on a business model similar to Mintos: they are a marketplace where loan originators offer their pre-funded loans to investors like me. By doing this, they have more money available to fund new loans so they can leverage their businesses. Making a checkbox on my investment principles, Grupeer only fails one: early exit. I know they are working to have a secondary market available, but until then it is important you know that you cannot cancel or sell your investments once you commit to them.
Nothing wrong with that if you as an investor follow a strategy that does not require quick liquidity on your investment assets. In my particular case, Grupeer is the only platform present on my Top choices that do not provide early exit and even so is among my favorites. It is a great way to invest your money in medium-term loans in a totally automated manner. It could be an ideal starting point for a new P2P lending investor, but it’s all about what works for you!
A key aspect when considering investing in Grupeer is the recurrent cashback campaigns offered from time to time. They can have a significant impact on your portfolio returns if used wisely.
Creating a Grupeer investor account is very straight forward and it’s very easy to invest. The website is very simple and easy to navigate, invest and manage your portfolio. The auto-invest tool makes investing at Grupeer truly passive.
During the first year, Grupeer provided me with €598.83 in interest for a total investment of €4.043,72. A return of ~13% in 12 months.
Analysis Topic | Personal Take |
| Real Estate | Business |
![]() | ~13% |
![]() | Yes |
![]() | No (under development) |
![]() | Yes |
![]() | Yes, you choose |
![]() | No |
![]() | No |
![]() | 3 to 36 months |
![]() | High Quality |
![]() | High Quality |
![]() | In case you employ my referral link to invest in Grupeer you earn 1.25% on all investments over the first 6 months in cashback |
![]() | 8/10 |