Posted by Looking back at 2025, I named Nectaro the best P2P platform of the past year. The reason for this is not only the strong return of 17.5% that I have achieved since starting my investment 12 months ago, but also the overall positive development of the Latvia-based platform.
Although Nectaro had only completed its second full financial year in 2025, the licensed Latvian P2P platform delivered convincing results across the board.
- Competitive interest rates from profitable loan originators
- Attractive bonus campaigns to boost returns
- Integration of an auto-invest function
- Introduction of a group guarantee for Abele Finance
- Open communication and a high standard of transparency
The result: Assets under management increased from EUR 3.6 million to almost EUR 20 million in 2025, with a default ratio of 0%.
As positive as this snapshot may be, it is equally logical that things cannot continue like this forever. At least not if Nectaro intends to keep growing in the future. This would, however, require a new strategy and new structures.
Can high returns still be promised if, at the same time, investors demand more safety and higher liquidity? Which new loan originators and asset classes will be added to Nectaro?
This is exactly what I discussed in the current interview with Nectaro CEO Sigita Kotlere.
Here are the topics discussed, including timestamps:
- 00:00 Challenges 2024 and Improvements in 2025
- 03:53 Missed Targets in 2025
- 06:06 Future Plans and New Asset Classes
- 07:56 Exploring Real Estate Opportunities
- 10:35 Enhancing Platform Functionality and User Experience
- 12:43 Liquidity and Secondary Market Considerations
- 18:05 Understanding Nectaro’s Investor Base
- 21:21 Group Guarantee for Abele Finance
- 24:26 Transparency and Funding Needs for Abele Finance
- 30:14 Future Outlook for Romania and Moldova
- 34:33 Onboarding New Lending Companies
- 37:05 Final Thoughts
A detailed analysis of the Latvian platform can be found in my Nectaro review.
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.