7Harvests Review 2026

What is 7Harvests?

7Harvests is a Swiss P2P platform based in Zug that went into regular operation in 2026. It advertises an offering of consumer, SME, and real estate loans with terms of 6 to 60 months.

In reality, the focus has only been on business loans to individual companies so far. Classic loan originators, which act as independent, separately capitalised partners bringing their own loan portfolios to a marketplace, do not exist at 7Harvests.

The platform is operated by 7 Harvests AG, registered in Zug under the number CHE-356.409.118. The company has been listed in the commercial register since April 2024 but traded under a different name until March 2026 and only began operating the platform in 2026.

7Harvests Fact Sheet

Below is a short summary of the key facts and figures about 7Harvests.

7Harvests News

P2P lending is a dynamic asset class where investors should stay continuously informed. You will find the latest news on 7Harvests on the P2P lending news page, where other P2P platforms are covered as well.

Alternatively, you can subscribe to my Telegram channel or WhatsApp group (both free of charge) to receive real-time updates as soon as new developments emerge.

Business Model and Shareholder Structure

7Harvests operates on an assignment-of-claims model: 7 Harvests AG enters into the loan agreement directly with the respective company and then assigns the resulting claim to investors. This makes 7Harvests structurally different from marketplaces such as PeerBerry or Mintos, where multiple independent loan originators offer their portfolios.

This has two consequences for investors. First, there is no diversification across multiple loan originators, only a project-by-project selection in which the platform’s own due diligence becomes the decisive factor. Second, it creates a contradiction in the advertised buyback guarantee, which is addressed further below.

The founder and Chairman of 7 Harvests AG is the Lithuanian Ričardas Vandzinskas. He began his career as an auditor at PWC and subsequently worked predominantly in finance at logistics and audit firms. In May 2020 he was hired as CFO of the Aventus Group and released again after roughly two months, before the end of his probationary period.

He then went on to be co-founder and CEO of the P2P platform Hive5, in which he held 35% of the shares through the Lithuanian holding company Hive Finance. His shares were sold to the Ruptela Group in 2025, after which he fully exited the company. Further details follow in the “Current Risk Notices” section.

Kurt Schöllhorn is named as an independent board member. The exact ownership split within 7 Harvests AG is not publicly disclosed.

Investing with 7Harvests

On the 7Harvests platform, investors purchase claims from business loans. According to the platform, terms range between 6 and 60 months, with interest usually paid out monthly. In addition to manual selection, an Auto Invest feature is available. A secondary market is referenced in the terms and conditions but is not yet established on the platform.

What stands out is a discrepancy between the website and the legally binding terms. The website advertises a minimum investment of EUR 50 and returns from 15%. The General Terms & Conditions, by contrast, state a minimum of EUR 500 and cap the interest rate at up to 12%.

The same terms and conditions are also directed “solely at users with residency or legal seat in Switzerland”. Investors outside of Switzerland must confirm that they discovered the platform on their own and initiated the first contact themselves.

The buyback guarantee also requires some explanation. The terms and conditions define it as the loan originator’s obligation to buy back the claim in full after more than 60 days of default. In the 7Harvests business model, however, this intermediary does not exist, because 7 Harvests AG is itself the loan originator. The promise is therefore not directed at a third, separately capitalised party but falls back on the platform’s own balance sheet.

In addition, 7Harvests advertises a platform-side protection layer funded from a liquidity buffer of at least 10% of the portfolio value. No evidence of the actual capital backing this buffer has been publicly disclosed.

Collateral is structured on a project-by-project basis. For the first publicly presented loan, a Lithuanian craft brewery with a volume of EUR 250,000, the first tranche is secured solely by personal guarantees from the founders. Security over land, buildings, and equipment is only due to be added in a subsequent tranche. Investors should therefore assess the collateral on a per-project basis and not assume continuous asset-backed security.

7Harvests Risk

The risks at 7Harvests cannot be assessed using performance metrics, because those metrics do not yet exist. What can be assessed instead is the structure and the people involved. The following sections break this picture down into Platform Risk and Current Risk Notices.

Platform Risk

7Harvests is operated by the Swiss company 7 Harvests AG, based in Zug. The platform has only been operational since May 2026, so its track record is quite short. A statistics page with information on total investor assets, the number of investors, or the performance of the loan portfolio has not yet been published.

The platform holds no licence under the EU Crowdfunding Regulation (ECSPR), no MiFID II authorisation, and no other approval from a European financial regulator. As a result, 7Harvests is not subject to ongoing supervision, capital requirements, or compliance obligations toward any authority. There is consequently no investor compensation scheme either.

Nonetheless, on its homepage 7Harvests prominently advertises terms such as “Swiss regulated”, “Swiss regulatory principles”, or “Swiss-grade protection”, aligned with the standards of a Swiss self-regulatory organisation (SRO). In the FAQ section and the website footer, this claim is significantly qualified: There, it refers to a VQF membership that is still only an application in progress.

The platform’s own terms and conditions even contradict this. There, it states that 7Harvests is already subject to the supervision of the VQF. The homepage and the contractual terms thus both assert an existing regulatory status, while the platform’s own FAQ and footer describe the membership as a mere application. The qualifying disclosure therefore sits precisely at the places investors tend to consult least often. The independent reviewer P2P Empire has also pointed to this contradiction.

On top of that: Even a granted VQF membership would cover only compliance with due diligence obligations under the Anti-Money Laundering Act (AMLA), not financial market stability or investor protection.

Is Swiss Jurisdiction a Regulatory Circumvention?

A central question is why a platform with a Lithuanian founder and Lithuanian borrowers, with no obvious connection to the Swiss market, would choose a registered office in Zug.

The answer is straightforward. Switzerland is not an EU member state, which is why 7Harvests falls outside the European Crowdfunding Regulation. That regulation obliges platforms to meet capital requirements, submit to ongoing supervision by a national financial authority, provide standardised key investment information sheets, and run an appropriateness test for inexperienced investors. Instead of a genuine licence, Switzerland only requires membership of a self-regulatory organisation covering anti-money-laundering matters exclusively.

This exact pattern is already documented in my Maclear review: A Swiss AG whose shareholders, projects, and operational management all sit outside Switzerland, with an SRO membership serving as a regulatory fig leaf.

The impression is reinforced by the terms-and-conditions clause mentioned above, under which investors outside Switzerland must confirm that they initiated the first contact themselves. This so-called reverse solicitation is a well-known construct used to formally deny active marketing in EU markets, while the English-language website and the promotion through international P2P channels in practice target exactly that audience.

For investors from the EU, this means a double weakening: They invest without the protection of the ECSPR and rely on a set of terms that formally does not even envisage them as a target group.

Segregation of Funds and Deposit Protection

7Harvests states that investor funds are held in an account separate from the operational business account. An independent confirmation of this claim, for example through a named payment provider or individual IBANs, has not been publicly disclosed.

More importantly, investments offered through 7Harvests are also not protected by any national or European deposit protection scheme. Investors should therefore be aware that the invested capital is subject to a genuine risk of loss, that returns are not guaranteed, and that they may not receive back the full amount invested.

Current Risk Notices

For a platform with no track record of its own, the history of the people involved is the most reliable available indicator. Ričardas Vandzinskas, founder and Chairman of 7Harvests, was previously co-founder and CEO of Hive5. Under his operational leadership, the following points are documented in my Hive5 review.

Misstatements About Profitability: As CEO, he publicly stated that the Hive Finance Group was already profitable at holding level. The consolidated annual report for 2022, by contrast, showed a loss of EUR 755,000.

Purchased Reviews: Hive5 credited investors EUR 25 for leaving a (positive) Trustpilot review (source). As of 31 January 2024, 208 of 234 reviews (89%) had been created within the preceding 30 days.

Legal Action Against Reporting: After the publication of my critical review, Hive5 took legal action against this blog (see document). Two YouTube videos were reported and subsequently taken down.

Legally, 7Harvests is a completely separate company. Hence, none of the events described directly implicate the new platform. Vandzinskas has also fully exited the Hive Finance structure since 2025.

Still, there are relevant and striking parallels. At Hive5, the public profitability claim contradicted the audited statement. At 7Harvests, the “Swiss regulated” advertising contradicts the platform’s own FAQ and terms and conditions, as do the advertised return and the minimum investment amount. The pattern of claiming more security to the outside world than the company’s own documents support repeats itself.

Summary 7Harvests Review

7Harvests presents itself as a reputable Swiss alternative to established P2P platforms. On closer inspection of its own documents, however, this picture is significantly qualified.

Two points stand out. First, the location. The choice of a Swiss AG with no obvious connection to the Swiss market follows the same pattern already documented on this blog with Maclear. As a non-EU country, Switzerland is not subject to the European Crowdfunding Regulation, so a self-regulatory membership covering anti-money-laundering matters takes the place of a genuine licence with supervision, capital requirements, and investor information obligations. At 7Harvests, even this membership is so far only an application, while the homepage already advertises “Swiss regulated”.

Second, the person at the top. In Ričardas Vandzinskas, the platform is led by the same person under whose operational leadership Hive5 saw documented public misstatements about profitability, purchased Trustpilot reviews, and legal action against critical reporting.

None of these points necessarily means that 7Harvests will fail. Taken together, however, they produce a risk profile that rules out active promotion at this time. Investors who wish to keep an eye on the platform should watch three things: The clarification of the VQF status, the collateral quality of the financed projects, and the publication of a portfolio statistics page.

7Harvests Alternatives

Here are three 7Harvests alternatives from the current P2P market.

Crowdpear: A crowdfunding platform based in Lithuania with an ECSP licence from the Bank of Lithuania. Compared to 7Harvests, Crowdpear offers a similar project-financing model, but within the regulatory framework of the EU Crowdfunding Regulation and with mortgage-backed loans. More information in my Crowdpear review.

LANDE: A Latvian provider with an ECSP licence from Latvijas Banka, specialising in agricultural loans. The loans are secured by land, harvest, or machinery, which makes the collateral concept considerably clearer for investors than project-dependent guarantee arrangements. More information in my LANDE review.

Nectaro: A P2P marketplace based in Latvia, regulated under MiFID II and backed by an internationally established group. Nectaro is aimed at investors looking to combine attractive double-digit return expectations with a manageable risk profile. More information in my Nectaro review.

You can find further alternatives in my P2P Platform Comparison.

FAQ 7Harvests

Denny Neidhardt

denny@rethink-p2p.de | Webseite

I’m Denny Neidhardt, the founder of re:think P2P. On this blog, I help retail investors make smarter, well-informed investment decisions in the world of P2P lending. Since 2019, I’ve been publishing in-depth analyses, platform reviews, and risk assessments to bring more transparency to this investment space. My goal is to challenge marketing claims, question developments, and empower investors with honest, independent insights.

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