About

Last Update: 14 August 2026

Hi, I’m Denny. I started the re:think P2P blog in December 2018. In the following sections, you will learn more about me and the story behind the blog.

Why This Blog?

Financial literacy is one of the most important keys to living an independent life. This conviction emerged in 2018, when I was dismissed without notice after five years in the corporate world and subsequently decided to pursue my own projects.

I saw P2P lending as one way to achieve this goal. At that point, I had already been investing in this asset class for a year and had gained my first P2P lending experiences.

At the time, I felt that content about P2P lending was often too one-sided and superficial. So, I wanted to do better. My approach was to provide a critical and balanced perspective based on authentic reviews and in-depth analysis. At the end of 2018, the re:think P2P blog went live!

My Track Record

I have been investing in P2P lending since October 2017. During this time, I have experienced several market cycles, from the COVID-19 pandemic to Russia’s invasion of Ukraine, and have witnessed various P2P platform and loan originator failures.

Since launching the blog, I have:

  • published more than 30 in-depth platform reviews in four languages,
  • built a P2P Portfolio worth more than €200,000, whose development I have transparently documented from the beginning,
  • published a P2P Risk Score that makes platform risk comparable based on transparent and verifiable criteria,
  • created a lender overview and comparison page with assessments of individual loan originators,
  • founded two YouTube channels, a podcast, and an active community on Telegram and WhatsApp.

How I Work

My analyses are based exclusively on publicly verifiable primary sources: Audited financial statements, company register extracts, Terms and Conditions, and official platform statements.

This results in several principles that I consistently follow:

  • Every factual claim is supported by evidence. Whenever I interpret information, I clearly identify it as an assessment and distinguish it from the facts.
  • Figures from press releases are not audited figures. Company information without an external audit is presented as information provided by the company, not as an established fact.
  • Communication with decision-makers. I maintain an extensive network of stakeholders within the P2P lending industry. In addition to regular communication, I also visit platforms in person, whether in the Baltics, Bulgaria, or Indonesia.
  • Criticism is published even when it is uncomfortable. Several of my analyses have resulted in partnerships being terminated. In some cases, I have even received legal letters attempting to stop my critical reporting (source).

Independence and Conflicts of Interest

This blog makes money from platforms that I analyse. Here is how it works in detail.

Skin in the Game: I invest myself in some of the P2P platforms that I analyse on this blog. I disclose my account balances, returns and losses transparently every month in my P2P Portfolio and discuss them in my monthly Portfolio Updates. The current status is also shown directly in each review for every platform I invest in.

Affiliate Links: The blog is primarily funded through affiliate links. If you sign up through one of these links, I receive a commission. There are no additional costs for you. Importantly, I only use affiliate links for platforms that have passed my own assessment. If I identify an elevated risk of loss for investors, I explicitly point this out and remove the affiliate link. The security of my community takes precedence over my own financial interests.

Paid Partnerships: Some of the reviews on this blog have been created as part of paid partnerships. Payment has always been for the research and content creation, never for the outcome. There are no agreements regarding the content upfront, no platform approval rights before publication, and no commitments regarding ratings or tonality. I reject partnerships that do not accept these conditions. Every affected article is clearly labeled accordingly.

What I Don’t Do: No financial advice, no investment recommendations, and no return guarantees. Everything on this blog represents my personal opinion and documents my own perspectives and experiences. P2P lending is a high-risk investment where a total loss is possible.

Who Am I?

My name is Denny Neidhardt, and I was born in East Berlin in August 1989. My career path has been relatively unremarkable: school, university, work, and in between, several years abroad in England and Italy.

To give you a slightly different perspective on who I am, here are five “Random Facts” about me:

  • I have been a passionate supporter of TSV 1860 Munich since 1995. A tough one, I know. But as they say: Once a Lion, always a Lion!
  • I have a soft spot for print magazines. During my university years, I even founded my own political magazine.
  • I can only enjoy chocolate when it’s cold, not at room temperature. Milka > Lindt!
  • In 2012, I met an Italian woman from Lake Garda. We got married in July 2022, on our 10-year anniversary.
  • I am a huge Batman fan. Best Batman ever: Michael Keaton. Best series: Batman: The Animated Series. Best comic: Mad Love.

If you would like to learn more about my personal story, how I got started with P2P lending, and how the project has evolved over the years, check out the video below.

Contact

If you would like to connect with me or follow my content, these are the best places to do so:

For P2P Platforms: Partnership inquiries are welcome. However, my conditions are non-negotiable: no influence over the content, no approval before publication, and full disclosure. Platforms that agree to these conditions can reach me at the email address above.