•PeerBerry is a P2P marketplace registered in Croatia. The platform launched its operations in November 2017.
•On PeerBerry, investors can invest in buyback-secured consumer loans while earning a return of up to 10%.
•The platform is primarily used as a financing channel for the lending operations of the Aventus Group, a large and internationally established non-bank lender.
•Three years after the war in Ukraine has started, PeerBerry’s partners successfully repaid all war-affected loans totalling EUR 51.4 million to affected investors.
PeerBerry is a Croatian P2P marketplace with Lithuanian roots, where investors can invest into a variety of international consumer loans, while earning a return of up to 10%.
The operational launch of the platform took place in November 2017, giving PeerBerry a comparatively long track record in the P2P lending environment. Considering the financed loan volume, which exceeded the EUR 2 billion mark in 2023, the P2P marketplace is currently one of the largest and fastest-growing P2P platforms in Europe.
The driving force behind PeerBerry is the Aventus Group, an international non-bank lender that offers a wide range of consumer and business loans for financing on the marketplace.
Because PeerBerry has built up a reputation as a crisis-tested company in recent years, the platform regularly achieves top rankings in the annual community votings, where it has never finished lower than sixth place.
PeerBerry at a Glance
All key facts and figures about PeerBerry at a glance.
For those who prefer watching over reading, take a look at my PeerBerry video review (November 2023):
The Origin Story
PeerBerry is holding close ties to Aventus Group, a company founded in 2009. Within Aventus are currently 12 international non-bank lending companies that primarily finance short-term and unsecured consumer loans. The majority of them are located in Europe.
In order to access cheaper as well as a broader range of funding sources for their lending operations, Aventus founded the PeerBerry platform back in 2017.
In the early stages, the development of PeerBerry was significantly supported by Aušra Čiuplienė (picture) who was the CEO of the platform from September 2017 to January 2019. A year earlier, she had already worked as Chief Risk Officer at the Aventus Group. In an interview from July 2019, Aušra was talking about the early years of building up and growing the PeerBerry platform.
Aventus Group
The Aventus Group is the largest partner on the PeerBerry platform, financing a part of its loan portfolio through the marketplace. The group was founded in 2009 and is headquartered in Vilnius, Lithuania. The Aventus Group brings together a number of international non-bank lenders under one roof. Since 2009, the group has issued loans with a total volume of over EUR 7 billion and, by its own account (geographic reach), ranks among the largest online lending groups worldwide.
The group’s loan offering is now spread across more than 20 markets. In addition to its European focus, an increasing number of business areas are developing in emerging markets such as India, the Philippines, Mexico, Colombia, and most recently Brazil and Australia. The loans are primarily short-term and unsecured consumer loans, although the product range is increasingly being expanded to include longer-term loans as well as business and real estate loans.
Economically, the group presents itself as robust: For the 2025 financial year, the Aventus Group reported a net profit of EUR 95.7 million. The group’s total loan portfolio stood at over EUR 305 million at the end of May 2025.
Business Model
How does PeerBerry make money? PeerBerry is a P2P marketplace where external lenders offer their loans for funding. Therefore, PeerBerry primarily finances itself through fees and commission income from loan brokerage.
The commission fee is said to range between 1% and 5%. This range falls within the market average. The exact percentage is variable and is determined based on the quality of the lenders loan portfolio. In the 2024 financial year, PeerBerry generated a revenue of nearly EUR 2.2 million from brokerage fees.
PeerBerry On-Site Visit
In June 2024, I visited the PeerBerry team in Vilnius. During my visit, I had the opportunity to speak with numerous team members, including Marketing Manager Rita Simanavičiūtė. Particularly memorable was the conversation with Aventus owner Andrejus Trofimovas. He addressed critical questions openly and without evasion, including the absence of audited financial reports, the decision against writing off the Ukrainian assets and the discontinuation of lending operations in Poland.
Overall, the PeerBerry team left a very reliable and professional impression, which further reinforced my personal assessment of the platform’s integrity.
PeerBerry News
P2P lending is a dynamic asset class where investors should stay continuously informed. You will find the latest news on PeerBerry on my P2P lending news page, where I cover other P2P platforms as well.
13. July 2026
Aventus Group Reports EUR 49.1 Million Profit in the First Half of 2026
The Aventus Group has released selected financial figures for the first half of 2026. According to the company, it originated EUR 851.6 million in new loans, while its loan portfolio grew to EUR 468.7 million by the end of June. The group also reported a net profit of EUR 49.1 million.
These figures suggest that the costs associated with the group's growth strategy have remained well under control despite its ongoing international expansion. If the second half of the year develops at a similar pace, Aventus could potentially surpass its previous record annual profit of EUR 95.7 million.
PeerBerry Introduces New Loan Originator From Colombia
PeerBerry has added another new loan originator to its marketplace: TU AMIGO SIEMPRE S.A.S., which operates under the brand name TuParcero. The short-term loans are currently offered with an annual return of 10% and are backed by both a buyback guarantee and a group guarantee issued by the Aventus Group.
Within the first few days, investors have already funded approximately EUR 80,000 in loans from the new lender. At this point, it is still too early to draw any conclusions regarding long-term performance, as the company was only established and started operations this year.
Thanks to rising loan volumes from existing business partners and the continued expansion of the Aventus Group, the growth trajectory on #PeerBerry continues. In May alone, nearly EUR 36 million in loans were funded, representing a 35% increase compared to the previous month. Assets under management have also reached a new record high of EUR 126.5 million.
A recent announcement shows that the growth is far from being over. Starting today, interest rates on selected loan originators have been increased to 10%. The primary goal is to support the growth of some of the newer loan originators on the platform.
SmartCredito (Spain): 10% (+1%)
RealCredito (Spain): 10% (+1%)
Lendi (Argentina): 10% (+1%)
Prestamo365 (Peru): 10% (+1%)
Credito365 (Mexico): 10% (+1%)
Credito365 (Colombia): 10% (+1%)
Personally, I also had a new milestone to celebrate on PeerBerry recently: The outstanding value of my largest P2P position has exceeded EUR 50,000 for the first time.
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
Who are the main shareholders and management executives behind PeerBerry? Let’s have a look!
The Lithuanian is an experienced businessman with a background in fintech and property. He has been CEO of Aventus Group since January 2017 and has since ensured that PeerBerry investors have received their repayments even in times of crisis.
The other 50% are shared equally by the two Lithuanian private investors Vytautas Olšauskas and Ivan Butov.
PeerBerry Management
Arunas Lekavicius has been CEO of the PeerBerry platform since January 2019. In his time before PeerBerry, he worked for nearly four years at 4finance, one of the largest non-bank lenders in Europe.
Further information about the PeerBerry team members can be found on this page.
Sign Up and Bonus
To invest on PeerBerry, investors must meet three requirements:
A minimum age of 18 years,
a residence in the European Economic Area
and a European bank account.
The sign-up process is fairly simple and intuitive. After opening the account via email, the KYC (Know-Your-Customer) and AML (Anti-Money-Laundering) questionnaires must be completed. This is followed by the verification of the identity and the confirmation of the tax residence.
Also legal entities have the opportunity to sign up on PeerBerry.
PeerBerry Bonus
If you want to invest on PeerBerry, you will receive a cashback bonus of 0.5% if you register viathis link. This way, all of your investments in the first 90 days after registration will receive an additional interest rate booster.
Investing on PeerBerry
How does PeerBerry work and what should investors know and consider when investing on the plaform? In the following sections of my PeerBerry review you will find all the necessary information that you need.
Loan Offering
PeerBerry promotes five different lender groups on its marketplace: Aventus Group, Gofingo, Lithome, Litelektra and SIBgroup.
With these lenders, investors have the opportunity to invest in five different types of loans: Short-term consumer loans (up to max. 30 days), long-term consumer loans, real estate loans, leasing loans and business loans.
The geographic focus of the lenders is very international. Thus, investors have the opportunity to invest in borrower countries such as Czech Republic, Lithuania, Kazakhstan, Moldova, Poland, Sri Lanka, Vietnam or Spain, among others.
With the start of war in Ukraine, lending companies from both Russia and Ukraine have been temporarily suspended.
Costs and Fees
Currently, there are no costs or hidden fees for investors at PeerBerry. Neither for deposits or withdrawals. Also investing on the platform is free of charge.
Unfortunatey, this is no more a common practice among many P2P platforms, which should therefore be highlighted positively in favor of PeerBerry.
Expected Returns
PeerBerry is currently promoting a return of up to 10% on its homepage. Investors should take notice that the interest rates on PeerBerry can be adjusted depending on the market environment and lender needs.
My personal investment experience with PeerBerry goes back to June 2021. During this period, I was able to achieve a return of 12.18%. Both the additional bonus through the loyalty program as well as the above-average interest paid throughout 2022 have helped to push the return this far.
With the assistance of the loyalty program, investors have the opportunity to receive an additional cashback depending on the exposure on the platform:
Silver: 0.5% Cashback for outstanding investment portfolio > EUR 10,000
Gold: 0.75% Cashback for outstanding investment portfolio > EUR 25,000
Platinum: 1% Cashback for outstanding investment portfolio > EUR 40,000
Auto Invest
On PeerBerry, investors have a chance to invest in loans manually as well as through an Auto Invest feature.
The PeerBerry Auto Invest allows investors to select individual lenders as well as borrower countries, loan terms, interest rates, investment amount, loan type or the buyback guarantee option.
The minimum investment amount per loan is currently EUR 10, which is a common standard for most consumer loan focused platforms. A secondary market, which would offer additional liquidity for investors, is currently not available.
Secondary Market
On January 15, 2026, PeerBerry introduced a secondary market on its P2P marketplace. This allows investments to be sold before the end of the loan term, providing additional liquidity for investors.
Here is the key information on the rules and how it works:
No fees apply.
Only full investments can be sold; partial sales are not possible.
Sale offers can be canceled or adjusted at any time before they are purchased.
Investments can be sold at their remaining value or with a discount of up to 50%.
Each sale offer is active for 14 calendar days and is automatically canceled if not purchased.
Investments purchased on the secondary market can be resold no earlier than one day after purchase.
Currently, the secondary market is only available to desktop users. Later this year, the secondary market functionality is expected to be introduced in the PeerBerry app.
Buyback Guarantee
PeerBerry, among other platforms, also offers a buyback guarantee. In this case, loans are repurchased by the respective lenders in the event of loans being 60+ days late for repayment. In addition, some lenders also offer an additional group guarantee as a liability option.
Lender
Buyback Guarantee
Group Guarantee
Aventus Group
Yes
Yes
Gofingo
Yes
Yes
Lithome
Yes
No
SIBgroup
Yes
No
The PeerBerry T&C make it clear that PeerBerry doesn’t cover for any liability that is offered or promoted by their lending companies.
The User is aware of the risk of default on Borrower’s obligations, as a result of which the User might not fully recover the Claim. The Loan Originator will perform all the necessary and allowed actions to facilitate timely and full recovery of the Claim without an involvement of the User. In event of the Borrower’s default, PeerBerry and the Loan Originator shall not assume the responsibility for the security of the Claim.
PeerBerry App
If you want, you can also use the mobile app from PeerBerry. The PeerBerry App was launched in 2021 and can be downloaded from the operating systems iOS (App Store) or Android (Play Store).
PeerBerry Taxes
Generally, interest income generated by loan financing is considered investment income and must be reported as such on the tax declaration.
Unlike other platforms, PeerBerry does not withhold taxes through interest income such as in Latvia or Lithuania.
Through the dashboard, investors can download an extract of the tax report for the given year, where the corresponding income is listed.
PeerBerry Risks
Investors should look very carefully at the potential risk factors when evaluating a P2P platform. What is it that investors need to be aware of when it comes to PeerBerry? Where are the underlying risks and how can they be assessed?
Safety Score
Rank 4 of 28
7.6/ 10Low Risk
Regulation and Licensing0 / 15
Financial Stability
11 / 20
Transparency and Disclosure
15 / 15
Loan Portfolio and Investor Losses
25 / 25
Track Record and Crisis Behaviour
25 / 25
Red Flags 0
No Red Flags present.
The Safety Score assesses platform risk only. Lender risks and country-specific risks are not covered and must be evaluated separately.
The P2P platform is operated by the Croatian company “PeerBerry d.o.o”. Similar to Robocash, PeerBerry was originally registered in Latvia before relocating its registered office to Croatia in October 2021. The primary reason was the planned regulatory framework introduced by the Latvian financial supervisory authority (FCMC), which PeerBerry deliberately chose to avoid.
Due to its domicile in Croatia, the platform is not subject to any supervision or oversight by a financial authority. There is neither an investor compensation scheme nor any regulatory requirement for compliance or transparency standards.
What speaks in favour of PeerBerry is its long track record since 2017, during which the platform has consistently met its obligations towards investors, including in difficult crisis situations. Particularly noteworthy is the full repayment of more than EUR 50 million in war-affected loans following the outbreak of the war in Ukraine.
On the shareholder side, Aventus owner Andrejus Trofimovas conveys a reliable and trustworthy impression, which positively influences the risk assessment of the platform.
Segregation of Funds and Deposit Protection
Investor funds at PeerBerry are held through Paysera, a Lithuanian e-money institution licensed by the Bank of Lithuania. Funds are therefore kept separate from the platform’s own operating funds.
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.
PeerBerry in Crisis Situations
In the past, PeerBerry had to navigate several crisis situations, including the COVID-19 pandemic and the war in Ukraine.
COVID-19 Pandemic: PeerBerry was one of the major beneficiaries following the outbreak of the COVID-19 pandemic. There were no payment delays and no defaults among loan originators. The Aventus Group reported a maximum of 20% overdue loans in its portfolio according to its own statements and was able to achieve a net profit of approximately EUR 10 million despite the challenging market conditions.
War in Ukraine: A total of 12 loan originators with an outstanding portfolio of EUR 51.4 million were affected by the conflict. In December 2024, PeerBerry’s partners successfully repaid all war-affected loans in full, including accrued interest. An achievement that remains unmatched in the P2P market to date.
Financial Stability
The financial stability of a P2P platform is a key risk factor. Is PeerBerry able to operate profitably? And how well is the company positioned financially?
Annual Report
No financial statement is published for investors.
Auditor: Not Available
No external audit firm engaged.
Standard: Not Available
No audited financial statement available.
The following figures are based on the PeerBerry annual report for 2024. The report was neither prepared by an external audit firm nor audited in accordance with IFRS standards. The credibility and informative value of the financial figures are therefore limited.
Profitability
PeerBerry has been consistently profitable since the start of its operations and was able to close 2024 with a profitable business result for the seventh consecutive year.
In the 2022 financial year, the P2P lending marketplace even achieved a record profit of EUR 663,455, despite the difficult circumstances caused by the war in Ukraine, which heavily impacted the platform.
Lender Risk
There are a total of five lender groups that offer their loans for financing on PeerBerry. To date, all lenders have honoured their buyback obligations, meaning that no losses have yet been incurred on the platform. Possible repayment delays are due in particular to events such as the war in Ukraine.
PeerBerry applies a range of risk management measures to ensure the quality of the lenders. Among other things, lenders may only finance a maximum of 45% of their loan portfolio on P2P platforms. Secondly, a liquidity reserve of 10% of the loan book value must be formed in order to be able to service loan defaults or payment requests immediately.
Regardless of the platform’s own assessment, investors should independently examine the risk profile of each lender. For an evaluation of financial stability, the following table provides an overview of the current financial figures.
✅Losses: No capital losses for investors on the platform to date
✅Auto Invest: Automated investment option available
✅Liquidity: Secondary market, short maturities or early exit possible
✅Parent Company: Supported by a large and established company (Aventus Group)
✅Market Size: More than EUR 100 million in assets under management
✅Costs: No fees or costs for investors
✅Crisis-Tested: Outstanding crisis management
Disadvantages
⚠️Regulation: No investment license or control by a financial supervisory authority
⚠️Transparency: No or only unaudited financial reports available
⚠️Conflicts of Interest: Shareholder overlaps between platform and lenders
Summary PeerBerry Review
What is the conclusion of this PeerBerry review?
PeerBerry is one of the biggest and most popular P2P lending platforms in Europe. PeerBerry’s popularity is in particular due to the platform’s stability and exceptional crisis management. Whether it’s a lack of regulation, the coronavirus pandemic or the war in Ukraine, the platform has always emerged stronger from every difficult situation to date.
The increasing market maturity, coupled with competitive interest rates, make PeerBerry one of the best options for any investor that is starting out and searches for a reliable and stable P2P investment.
On the flipside, decreasing interest rates and a temporary cash drag must be accepted as well. Unfortunately, this is unavoidable for one of the most attractive and compelling P2P platforms in Europe.
Personally, PeerBerry has been the largest position in my P2P portfolio since September 2022. If the marketplace continues to maintain its reliability, I will remain invested on the platform with a larger amount for a long time to come.
Already invested in PeerBerry? Or looking for similar platforms? Here are three PeerBerry alternatives from the P2P market.
Mintos: The largest P2P platform in Europe with assets under management of 800+ million euros. Like PeerBerry, Mintos follows a marketplace model with a wide range of international loan originators. Compared to PeerBerry, Mintos offers a notably broader selection of asset classes, including loans, ETFs and bonds, within a regulated and established platform environment. More information in my Mintos review.
Viainvest: A regulated P2P marketplace from Latvia with a focus on consumer loans from within the European Economic Area. Similar to PeerBerry, Viainvest is closely tied to the lending business of its parent company and targets investors that are looking for a reliably performing platform with competitive interest rates. More information in my Viainvest review.
Nectaro: A regulated P2P marketplace based in Latvia, operating under MiFID II regulations and backed by an internationally established group. Loans are primarily used to fund the lending operations of the parent company. Affiliated loan originators offer competitive interest rates and a solid track record. More information in my Nectaro review.
This article contains affiliate links. If you register and/or invest through one of these links, the operator receives a commission. The compensation has no influence on the opinion or the evaluation of the platform. Potential conflicts of interest can be looked up on the “P2P Portfolio” page.
Investments in P2P loans involve risks and may result in the complete loss of the invested capital. Past performance is not a reliable indicator of future developments. The following content is provided for informational purposes only and does not constitute investment advice. Despite careful research, no guarantee is given for the accuracy, completeness, or timeliness of the information provided. No liability is accepted for any financial losses or investment decisions made based on the information presented here. For more details, see the full disclaimer.
FAQ PeerBerry Review
✅ What is PeerBerry?
PeerBerry is a P2P lending platform incorporated in Croatia, operational since November 2017, where investors can invest in buyback-secured consumer loans. Loans primarily come from Aventus Group originators, with returns of up to 10%.
✅ Is PeerBerry regulated?
No. PeerBerry is not regulated by any financial supervisory authority. There is therefore no statutory investor protection comparable to MiFID II-regulated platforms such as Viainvest or Twino.
✅ How did PeerBerry handle the war in Ukraine?
PeerBerry was severely impacted, as several Aventus Group lenders were active in Ukraine and Russia. Despite this, the platform repaid all outstanding investor claims in full.
✅ What is the Aventus Group?
The Aventus Group is the loan originator network behind PeerBerry. It operates lending companies across multiple countries and backs the buyback guarantee on the platform. The financial stability of the Aventus Group is therefore key to assessing the risk of any PeerBerry investment.
✅ Is there a bonus for signing up with PeerBerry?
Yes. New investors registering via my affiliate link currently receive 0.5% cashback for 90 days on all investments.
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.
Um dir ein optimales Erlebnis zu bieten, verwenden wir Technologien wie Cookies, um Geräteinformationen zu speichern und/oder darauf zuzugreifen. Wenn du diesen Technologien zustimmst, können wir Daten wie das Surfverhalten oder eindeutige IDs auf dieser Website verarbeiten. Wenn du deine Zustimmung nicht erteilst oder zurückziehst, können bestimmte Merkmale und Funktionen beeinträchtigt werden.
Funktional
Always active
Die technische Speicherung oder der Zugang ist unbedingt erforderlich für den rechtmäßigen Zweck, die Nutzung eines bestimmten Dienstes zu ermöglichen, der vom Teilnehmer oder Nutzer ausdrücklich gewünscht wird, oder für den alleinigen Zweck, die Übertragung einer Nachricht über ein elektronisches Kommunikationsnetz durchzuführen.
Vorlieben
Die technische Speicherung oder der Zugriff ist für den rechtmäßigen Zweck der Speicherung von Präferenzen erforderlich, die nicht vom Abonnenten oder Benutzer angefordert wurden.
Statistiken
Die technische Speicherung oder der Zugriff, der ausschließlich zu statistischen Zwecken erfolgt.Die technische Speicherung oder der Zugriff, der ausschließlich zu anonymen statistischen Zwecken verwendet wird. Ohne eine Vorladung, die freiwillige Zustimmung deines Internetdienstanbieters oder zusätzliche Aufzeichnungen von Dritten können die zu diesem Zweck gespeicherten oder abgerufenen Informationen allein in der Regel nicht dazu verwendet werden, dich zu identifizieren.
Marketing
Die technische Speicherung oder der Zugriff ist erforderlich, um Nutzerprofile zu erstellen, um Werbung zu versenden oder um den Nutzer auf einer Website oder über mehrere Websites hinweg zu ähnlichen Marketingzwecken zu verfolgen.
PeerBerry is a Croatian P2P marketplace with Lithuanian roots, where investors can invest into a variety of international consumer loans, while earning a return of up to 10%.
Who owns PeerBerry? PeerBerry is owned by three different shareholders. 50% of the shares are held by Andrejus Trofimovas who is also CEO of the Aventus Group.
The sign-up process is fairly simple and intuitive. After opening the account via email, the KYC (Know-Your-Customer) and AML (Anti-Money-Laundering) questionnaires must be completed. This is followed by the verification of the identity and the confirmation of the tax residence.
PeerBerry promotes five different lender groups on its marketplace: Aventus Group, Gofingo, Lithome, Litelektra and SIBgroup.
PeerBerry is currently promoting a return of up to 10% on its homepage. Investors should take notice that the interest rates on PeerBerry can be adjusted depending on the market environment and lender needs. 
The P2P platform is operated by the Croatian company “PeerBerry d.o.o”. Similar to Robocash, PeerBerry was originally registered in Latvia before relocating its registered office to Croatia in October 2021. The primary reason was the planned regulatory framework introduced by the Latvian financial supervisory authority (FCMC), which PeerBerry deliberately chose to avoid.
What is the conclusion of this PeerBerry review?