Nectaro Review 2026

Last Update: 13 July 2026

What is Nectaro?

Nectaro is a Latvia-based P2P lending marketplace that began its operations in October 2023. On the platform, investors can invest in regulated financial instruments (Notes), which include both private consumer loans and business loans.

Since March 2023, the P2P platform, operated by Latvian company SIA Nectaro, has been supervised by the Latvian financial authority and regulated under MiFID II. As a result, investor accounts are protected by the investor compensation system, covering up to EUR 20,000 in case of misappropriation or the platform’s insolvency.

Across all P2P platforms, Nectaro offers above-average return potential. This is due to competitive interest rates of up to 15% and due to various bonus and cashback campaigns that can further boost returns.

So far, there have been no repayment difficulties or defaults at the lender level (default rate: 0%). As a result, investors have consistently achieved double-digit returns on the platform since 2023.

Nectaro at a Glance

All key facts and figures about Nectaro at a glance.

For those who prefer watching over reading, take a look at my Nectaro video review (March 2025):

DYNINNO Group

Nectaro is part of the DYNINNO Group, which was founded in San Francisco in 2004. The company operates in over 50 countries, offering products and services in the travel, finance, entertainment, and technology sector. Currently, the group employs more than 5,000 people worldwide. In Riga, the Dyninno Group owns a large building complex where several of the group’s companies operate across nine floors. This includes both Nectaro and the EcoFinance lenders featured on the P2P platform.

For its financial division, the Dyninno Group established the company “Dyninno Fintech Holding Limited.” This is a private limited company founded on October 5, 2015, in Cyprus. The company encompasses both the lenders in Romania and Moldova as well as the P2P platform Nectaro.

For the Dyninno Fintech Holding, Nectaro serves as an additional financing source for its lending operations. To this end, the group relies on a mix of credit lines from local banks, shareholder loans and P2P funding via Nectaro.

Business Model

Nectaro is a P2P marketplace that to date works exclusively with loan originators from the Dyninno Fintech Holding. The key advantage of this approach is the greater degree of control that can be exercised over business development.

Nectaro monetises primarily through commission income from brokerage and intermediation services charged to the loan originators on the platform. According to Nectaro, this fee corresponds to the average market rate, which amounts to approximately 2% p.a. Through this model, Nectaro generated revenue of EUR 367,938 in the 2025 financial year.

Nectaro On-Site Visit

In June 2024, I visited Nectaro in Riga as part of my P2P Lending Trip through the Baltic States. During my visit, I had the opportunity to get to know the team around CEO Sigita Kotlere, who previously spent three years as a Partnership Executive at Mintos.

The conversation focused on the current stage of the platform’s development, including the planned introduction of an Auto Invest function, publicly accessible portfolio statistics and the expansion of the loan offering through new markets. Overall, the visit left the impression of a platform with a solid foundation and clear growth ambitions, backed by the financial strength of the parent company and an early regulatory approval from the Latvian financial supervisory authority.

Nectaro News

P2P lending is a dynamic asset class where investors should stay continuously informed. You will find the latest news on Nectaro on my P2P lending news page, where I cover other P2P platforms 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.

Shareholder and Management

What does the ownership and shareholder structure of Nectaro look like? And who is responsible for the operational management of the P2P platform? More information on this topic are outlined in the following sections of my Nectaro review.

Nectaro Shareholder

Who owns Nectaro? The P2P platform is operated by the Latvian company “SIA Nectaro”. A look into the Latvian business register reveals that the platform is 100% owned by the Cypriot company “DYNINNO FINTECH HOLDING LIMITED”.

The Cypriot company, in turn, is owned by two different shareholders:

• Dmitry Tsymber, co-founder of the DYNINNO Group, owns 21.76% of the shares.
• Through Dynamic Innovations Limited (a limited liability company in Malta, registration number C71892), Alex Weinstein owns the remaining 78.24% of the shares. As the founder of the Dyninno Group, he is therefore the ultimate beneficial owner of the company.

Nectaro Management

Since September 2022, Nectaro’s operational management has been led by CEO Sigita Kotlere. The Latvia-born executive, whom I had the opportunity to meet personally during my P2P lending journey through the Baltics, has been working in the Latvian financial and banking sector since 2012.

From April 2019 to April 2022, Sigita worked for three years as a Partnership Executive at Mintos, where she was primarily responsible for onboarding, conducting due diligence, and managing new loan originators. Following a request from Dmitry Tsymber, the founder of Nectaro’s loan originator Ecofinance and co-founder of the DYNINNO Group, Sigita was entrusted with leading the new P2P platform from the end of 2022.

Sign Up and Bonus

To register with Nectaro, the following requirements must be met: A minimum age of 18 years, residency in the European Economic Area, and a valid passport or ID card.

The registration process on the Nectaro website is relatively simple and intuitive. It consists of three steps:

• Confirmation of the email address
• Identity verification and personal information submission (KYC form)
• Suitability & Appropriateness Assessment questionnaire

Legal entities can also register with Nectaro. In this case, companies must submit additional information, including registration documents and details about the beneficial owners.

Nectaro Bonus

Nectaro offers a 1% cashback for new investors. This is calculated based on the average daily investment balance within the first 30 days after registration. To receive the bonus, investors must sign up using my Nectaro partner link.

Apart from that, the P2P lending platform frequently offers additional bonus campaigns that can help boost returns. A cross-platform overview with all bonus offers and cashback promotions can be found by investors on the bonus page.

Investing on Nectaro

How does investing on Nectaro work? What should you know, and what should you pay attention to? In the following sections, you will find a concise overview with all the answers.

Loan Offering

On Nectaro, investors can invest in regulated financial instruments called Notes. These Notes are composed of small fractions of many loans sharing similar characteristics. Each Note carries a unique ISIN (International Securities Identification Number). This allows investors to benefit from diversification across all the underlying loans within the pool.

Currently, Nectaro offers investments from three different lenders.

Two of these companies are consumer credit institutions that provide personal loans to individuals. These lenders have been in operation for many years and utilize different financing sources.

CreditPrime Romania

The Romanian lender “CreditPrime Romania” (ECOFINANCE IFN SA) is a credit company offering personal loans to borrowers in Romania. Most products are structured as flexible credit lines with terms of up to two years. Since 2015, the Romanian lender has been part of the fintech company EcoFinance.

CreditPrime Moldova

The Moldovan lender “CreditPrime Moldova” (ECOFINANCE TECHNOLOGIES LLC) operates in a similar segment, providing personal loans to borrowers in Moldova. These are also primarily credit lines, but with terms of up to five years. CreditPrime Moldova has likewise been part of the financial service provider EcoFinance since 2015.

Abele Finance

The third lender available on Nectaro is Abele Finance. This company exclusively provides business loans within the EcoFinance group. Investments in Abele Finance are secured by a business loan issued to one of the group’s companies.

Currently, Abele Finance’s portfolio includes the following companies:

• CreditPrime Romania and CreditPrime Moldova: The consumer credit companies described above, providing personal loans in Romania and Moldova, respectively.
• Warm Cash Lending Corp.: A consumer credit company offering short-term installment loans with flexible repayment options of up to six months, distributed via the Honey Loan platform.
• Dyninno Fintech Holding Limited (DFHL): A holding company operating fintech businesses under the EcoFinance brand and providing technology-driven financial solutions across multiple markets.
• Dyninno Technologies (Dynatech SIA): A company supporting the various divisions of the Dyninno Group in over 50 countries (fintech, travel, entertainment, etc.).

It is important to note that the EcoFinance holding company Dyninno Fintech Holding Limited (DFHL), which is the parent company of all the above entities (except Dynatech and DFHL itself), has issued a guarantee for the repayment of all business loans. This guarantee has always been honored to date.

Costs and Fees

Retail investors can register with Nectaro for free. There are no costs or hidden fees for investing in P2P loans on the Latvian P2P marketplace. Not only is investing free on Nectaro, but deposits and withdrawals on the platform are also free of charge.

Expected Return

Across all P2P platforms, the expected return on Nectaro is above average. This is partly due to the competitive interest rates, which can vary depending on the loan originator and market conditions. The range is often between 9% and 14%. In addition, there are regular bonus and cashback campaigns that allow investors to further increase their expected returns.

On the other hand, there have been no repayment difficulties or defaults at the lender level so far. Therefore, an expected return in the low double-digit range is realistically achievable.

The investment portfolio of re:think P2P Lending, driven by an active investment strategy designed to take advantage of the various bonus campaigns, has achieved a total return of 17.5% since March 2025.

Auto Invest and AutoPilot

There are three ways to invest money on the Nectaro platform.

Manual Investments: Starting from a minimum investment amount of EUR 10, individual loans can be filtered and selected for investment via the “Manual Investments” section.

Auto Invest: The Auto Invest function allows investors to define individual investment criteria. As long as there are available funds in the investor account, they will be invested according to the predefined settings. The following settings are currently available with Nectaro Auto Invest:

• Borrower Country: Moldova (P,B*), Romania (P,B*), Cyprus (B*), Philippines (B*)
• Loan Term: 0 to 60 months
• Interest Rate: 11% to 15%
• Investment Amount: Minimum of EUR 50

*P (private consumer loans), B (business loans)

AutoPilot: AutoPilot is a predefined auto-invest strategy in which funds are automatically invested into available loans. Investors only need to define a total investment limit, while AutoPilot invests several times a day across all markets and loan originators.

Buyback Guarantee

Nectaro offers a buyback guarantee, which is common on many other P2P platforms as well. This means that if a borrower fails to make a payment on time, the lender is obligated to repurchase the loan after 60 days of payment delay.

This feature is also referred to as the “Buyback Guarantee” and covers both the principal and all accrued interest. So far, the buyback guarantee on Nectaro has always been honored.

Secondary Market

Currently, Nectaro does not offer a secondary market or any other early-exit option to sell loan investments before maturity. Investors are therefore committed to the full term of the loans they invest in.

Nectaro Taxes

In general, interest income generated by loan financing is considered investment income and must be reported as such in the tax declaration. After obtaining the investment brokerage firm license in 2023, Nectaro is now legally required to also withhold taxes on interest income that is collected through regulated financial instruments.

The applied tax rate is based on the country of tax residency and the tax information that are submitted.

• 20% for investors from Latvia
• 20% for investors outside the EU or EEA
• 5% for investors with residency in the EU or EEA (except Latvia)
• 0% for investors from Lithuania (tax certificate required)
• 0% for legal entities

As a rule, the withheld withholding taxes can be deducted from the total tax liability in the country of residence. This means that the effective tax rate remains the same as with the previous investment in claim rights. The key factor for deductibility is the relevant double taxation agreement between Latvia and the country of residence.

Currently, there is no automated option to generate a tax report. However, investors can request a tax report via email at support@nectaro.eu.

Nectaro Risks

Investors should carefully assess potential risk factors when evaluating a P2P platform and weigh them before making an investment. What should be considered in the case of Nectaro? Where are the risks, and how should they be evaluated?

In general, investors should consider three different risk levels: The potential bankruptcy of the P2P platform, the insolvency of a loan originator, and the default risk of the borrower.

Platform Risk

The P2P platform, operated by SIA Nectaro, launched operations in October 2023. In its home market, the platform is supervised and monitored by the Latvian Central Bank (Latvijas Banka).

Regulation and Licence

Since March 2023, SIA Nectaro has held a licence as an investment firm, issued by the Latvian Central Bank. Nectaro therefore secured its regulatory authorisation before commencing operations in October 2023.

Through its regulatory status, the platform is subject to the requirements of the Markets in Financial Instruments Directive (MiFID II). As a result, investor accounts are protected by up to EUR 20,000 (90% of net loss) through the Latvian investor compensation scheme, in the event of platform insolvency or misappropriation of investor funds. Potential defaults by loan originators are not covered by this scheme.

Through its regulatory status, Nectaro is also required to meet a high standard of compliance and transparency, including the annual publication of audited financial statements.

Segregation of Funds and Deposit Protection

Under MiFID II regulation, Nectaro is required to keep investor funds separate from the platform’s own assets. In the event of insolvency, these funds are protected from enforcement proceedings and cannot be used to settle claims against third parties.

Unlike traditional bank deposits, there is no entitlement to compensation through a deposit guarantee scheme. Investors should therefore be aware that invested capital is subject to a real risk of loss, that returns are not guaranteed and that it may not be possible to recover the full amount invested.

Financial Stability

The financial stability of a P2P platform is a key risk factor. Is Nectaro able to operate profitably? And what conclusions can be drawn from the balance sheet?

The following figures are based on the SIA Nectaro annual report for 2025. The report was prepared by BDO Assurance and audited in accordance with IFRS standards. The figures therefore carry a certain degree of credibility.

Profitability

In 2025, the second full financial year of SIA Nectaro, the P2P platform recorded a loss of EUR 1.42 million. Marketing expenses more than doubled compared to the previous year, rising by over 50% to EUR 676,000, and administrative expenses (particularly personnel costs) increased by around EUR 355,000 compared to 2024.

Investors should note that reaching the breakeven point is not the primary priority of Nectaro. As the business model makes clear, the main function of the Nectaro platform is to serve as a financing tool for the lending operations of Dyninno Fintech Holding.

In the “Going Concern” section, it was communicated that the parent company has committed to providing the necessary financial support and that the company’s share capital will be increased quarterly in 2026 up to the required capital level. In 2025, the share capital was already increased by EUR 1.96 million to cover the operational loss phase and maintain regulatory capital requirements.

Note 24 confirms that after the balance sheet date, the share capital was further increased to EUR 3.62 million (an increase of EUR 350,000). This demonstrates that the parent company is following through on its commitments.

Balance Sheet

Despite the lack of profitability, the balance sheet of SIA Nectaro appears solid. This is primarily due to the increase in share capital to EUR 3.27 million. As a result, the equity ratio stands at a strong 53%, the debt ratio at 0.83, and the liquidity ratio at 1.73, indicating no major issues.

Overall, SIA Nectaro’s balance sheet shows stable financial metrics. However, given the rather small total balance sheet of only EUR 955,000, these figures should not be overestimated.

Lender Risk

Nectaro collaborates exclusively with loan originators that are part of its parent company, Dyninno Group. Among them are the CreditPrime brands from Romania and Moldova, two lenders that have been active since 2015 and thus have reached a certain level of market maturity.

However, due to regulatory requirements, Nectaro must conduct thorough onboarding and due diligence procedures. The assessment of loan originators consists of several steps, including:

• Financial analysis
• Analysis of portfolio quality, internal risk assessment, and debt collection
• Review of the business model and business plan
• AML screening (for the company itself and its handling of customers)
• Management team
• Market risks

As an investor, it is advisable to assess the financial viability and portfolio performance of the loan originator independently. In this regard, the annual financial statements of the loan originators published on Nectaro should be carefully reviewed. Below is a tabular overview of the current financial figures for each loan originator.

You can check out the lender overview and comparison page to learn more about the applied KPIs and their interpretation.

Borrower Risk

The non-performing loans at Nectaro depend on credit market, product type, and risk policy. The available data indicates a default rate range between 7% and 20%.

• Romania (RO): 8% to 9%
• Moldova (MD): 6.92%
• Philippines (PH): 20%

The borrower default risk at Nectaro is mitigated through the implementation of a buyback guarantee. With this mechanism, loans are automatically repurchased by the lender once they are more than 60 days overdue. Accrued interest is also reimbursed.

The sustainability of the buyback guarantee largely depends on the financial performance of the issuer, which is why it makes sense to take a closer look at the performance of the loan originators.

So far, the buyback guarantee on Nectaro has always been honored.

Recovery

A large portion of the defaulted loans is handled internally to ensure greater efficiency and direct control. However, complex and high-risk cases are outsourced and sold to external agencies. The discount rates depend on the loan market and are also influenced by the portfolio quality, recovery potential, and legal framework.

Nectaro consistently retains a representative sample of both internally managed and outsourced cases to monitor market trends, conduct performance comparisons, and track the impact of internal process changes.

Advantages and Disadvantages

In this section, I have listed the biggest advantages and disadvantages of Nectaro.

Summary Nectaro Review 2026

What is the conclusion of my Nectaro review? Is it worth investing?

Since 2023, Nectaro has emerged as a promising alternative in the P2P lending space, meeting all the conditions for long-term success. It is a regulated P2P marketplace, which is supervised by the Latvian financial authority, offering competitive interest rates of up to 15%, profitable loan originators, and strong corporate backing.

Across all P2P platforms, Nectaro offers an above-average return potential.

This is due to the attractive interest rates and regular bonus campaigns, as well as the strong performance of the lending companies. Since there have been no repayment difficulties or defaults at the lender level so far, investors have consistently achieved double-digit returns on the platform since 2023.

Considering further growth and additional asset classes, the return profile on Nectaro may slightly decline in the future.

On the risk-side, investors should take into account the comparable young market maturity (< 3 years), the absence of a secondary market for higher liquidity, and the lack of transparency regarding the group guarantee issued for Abele Finance.

Aside from that, Nectaro offers an attractive overall package in the current P2P lending market. For this reason, I have also been actively investing on the platform since March 2025. My total return after 12 months is 17.51%.

Nectaro Alternatives

Already invested in Nectaro? Or looking for similar platforms? Here are three Nectaro alternatives from the P2P market.

Viainvest: A regulated P2P marketplace from Latvia with a focus on consumer loans from within the European Economic Area. Like Nectaro, Viainvest is closely tied to the lending business of its parent company and targets investors that are looking for a regulated platform with competitive interest rates. More information in my Viainvest review.

TWINO: A regulated P2P marketplace from Latvia with a long-standing track record and a focus on financing unsecured consumer loans from Poland. Similar to Nectaro, TWINO is backed by an experienced parent company with an international presence in the lending business. Both platforms target investors that are looking for a regulated and reliably performing platform with double-digit return expectations. More information in my TWINO review.

Afranga: A regulated P2P marketplace based in Bulgaria, holding an ECSP licence. Like Nectaro, Afranga serves primarily as a financing channel for the lending business of its parent company and stands out through competitive interest rates and a notably clean performance record with no capital losses for investors to date. More information in my Afranga review.

You can find other Nectaro alternatives in the P2P Platform Comparison page.

FAQ Nectaro Review

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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