{"id":24373,"date":"2024-10-07T06:00:00","date_gmt":"2024-10-07T04:00:00","guid":{"rendered":"https:\/\/rethink-p2p.de\/lonvest-review-2024-robocash-platform-2-0\/"},"modified":"2026-09-28T17:55:42","modified_gmt":"2026-09-28T15:55:42","slug":"lonvest-review","status":"publish","type":"page","link":"https:\/\/rethink-p2p.de\/en\/lonvest-review\/","title":{"rendered":"Lonvest Review 2026"},"content":{"rendered":"<p><span style=\"font-size: 1.125rem;\"><span class=\"rtp-aktualisiert\">Last Update: 29 September 2026<\/span><\/span><\/p>\r\n<p><span style=\"font-size: 1.125rem;\">\n    <div style=\"border:1px solid #c8c8c8;border-radius:8px;overflow:hidden;margin:1.5rem 0;background:#f9f9f9;box-shadow:0 2px 8px rgba(0,0,0,0.10);\">\n      <div style=\"padding:16px 20px 20px;\">\n       <div style=\"font-weight:700;font-size:1.1em;margin:0 0 -8px 0;padding:0;line-height:1.4;\">\n          Key Takeaways\n        <\/div>\n        <div style=\"margin-top:2px;\"><\/span><\/p>\r\n\n    <div style=\"display:flex;gap:10px;align-items:flex-start;margin-bottom:12px;padding-top:0px;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u2022<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\">Lonvest is a P2P platform incorporated in Croatia, active since March 2023. On Lonvest, investors can invest fully automatically in buyback-secured consumer loans with terms of up to 30 days. The return expectation is up to 13.5%.<\/span>\n    <\/div>\n    <div style=\"display:flex;gap:10px;align-items:flex-start;margin-bottom:12px;padding-top:0px;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u2022<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\">Behind Lonvest stands the SpaceCrew Finance Group from Singapore, which includes several internationally active loan originators in Ukraine, Sri Lanka and Mexico. Founder Roman Katerynchyk has long-standing experience in the lending business dating back to 2016.<\/span>\n    <\/div>\n    <div style=\"display:flex;gap:10px;align-items:flex-start;margin-bottom:12px;padding-top:0px;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u2022<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\">No repayment issues have occurred to date. The buyback guarantee is activated after 60 days of payment arrears and is additionally backed by a group guarantee from the parent company.<\/span>\n    <\/div>\n    <div style=\"display:flex;gap:10px;align-items:flex-start;margin-bottom:12px;padding-top:0px;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u2022<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\">The platform is not regulated and no audited financial reports of the parent company are available. The short track record since 2023 and the limited loan offering are additional risk factors.<\/span>\n    <\/div><\/div>\n      <\/div>\n    <\/div>\r\n\n    <style>\n      #rtp-bonusbox-6ae5acbd1d63f .rtp-bonus-row{display:flex;gap:24px;align-items:flex-start;flex-wrap:wrap;}\n      #rtp-bonusbox-6ae5acbd1d63f .rtp-bonus-left{align-self:center;}\n      #rtp-bonusbox-6ae5acbd1d63f .rtp-bonus-mid{flex:1;min-width:220px;}\n      #rtp-bonusbox-6ae5acbd1d63f .rtp-bonus-mid p{margin:0;font-size:14px;line-height:1.5;color:#555555;}\n      #rtp-bonusbox-6ae5acbd1d63f .rtp-bonus-cta{flex-shrink:0;align-self:center;}\n      #rtp-bonus-btn-6ae5acbd1d63f{transition:background 0.2s ease;}\n      #rtp-bonus-btn-6ae5acbd1d63f:hover{background:#088a1f !important;}\n      @media (max-width:600px){\n        #rtp-bonusbox-6ae5acbd1d63f .rtp-bonus-row{flex-direction:column;text-align:center;align-items:center;}\n        #rtp-bonusbox-6ae5acbd1d63f .rtp-bonus-left{width:100% !important;}\n      }\n    <\/style>\n    <div id=\"rtp-bonusbox-6ae5acbd1d63f\" style=\"border:1.5px solid #0aad27;border-radius:10px;background:#f3fbf5;box-shadow:0 2px 8px rgba(0,0,0,0.06);margin:1.5rem 0;padding:18px 22px;\">\n      <div class=\"rtp-bonus-row\"><div class=\"rtp-bonus-left\" style=\"flex-shrink:0;width:180px;text-align:center;\"><img decoding=\"async\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/07\/Lonvest-P2P-Logo.png\" alt=\"Lonvest\" style=\"--smush-placeholder-width: 804px; --smush-placeholder-aspect-ratio: 804\/167;max-width:160px;max-height:60px;height:auto;width:auto;display:inline-block;vertical-align:top;\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" class=\"lazyload\" \/>\n        <div style=\"margin-top:6px;display:flex;align-items:center;justify-content:center;gap:8px;\">\n          <span style=\"position:relative;display:inline-block;font-size:24px;line-height:1;letter-spacing:2px;\">\n            <span style=\"color:#d6d6d6;\">&#9733;&#9733;&#9733;&#9733;&#9733;<\/span>\n            <span style=\"position:absolute;left:0;top:0;overflow:hidden;white-space:nowrap;width:50%;color:#f5a623;\">&#9733;&#9733;&#9733;&#9733;&#9733;<\/span>\n          <\/span>\n          <span style=\"font-weight:700;color:#1a1a1a;font-size:16px;\">(2.5)<\/span>\n        <\/div><\/div><div class=\"rtp-bonus-mid\">\n          <div style=\"font-weight:700;font-size:1.1em;line-height:1.2;margin-bottom:6px;\">New Investor Bonus<\/div>\n          <p>New investors receive 1% cashback on all investments made within the first 90 days after registration.<\/p>\n        <\/div>\n        <div class=\"rtp-bonus-cta\">\n          <a id=\"rtp-bonus-btn-6ae5acbd1d63f\" href=\"http:\/\/bit.ly\/rethink-p2p-goes-lonvest\" target=\"_blank\" rel=\"nofollow sponsored noopener\" style=\"display:inline-flex;align-items:center;gap:8px;background:#0aad27;color:#ffffff;padding:12px 22px;border-radius:8px;font-weight:700;font-size:1em;font-family:inherit;text-decoration:none;white-space:nowrap;\">Invest Now<\/a>\n        <\/div>\n      <\/div>\n    <\/div>\r\n<style>\n        .rtp-sitg{display:flex;align-items:center;gap:22px;border-radius:8px;box-shadow:0 2px 8px rgba(0,0,0,0.08);padding:18px 22px;margin:1.5rem 0;}\n        .rtp-sitg-body{flex:1;min-width:0;}\n        .rtp-sitg-title{font-weight:700;font-size:1.1em;color:#222;margin-bottom:6px;line-height:1.2;}\n        .rtp-sitg-text{margin:0;font-size:14px;line-height:1.5;color:#555555;}\n        .rtp-sitg-note{font-size:12px;color:#999;margin-top:6px;}\n        .rtp-sitg-btn{background:#262521;color:#fff !important;padding:13px 34px;border-radius:10px;font-size:16px;font-weight:700;text-decoration:none !important;white-space:nowrap;flex-shrink:0;transition:background .2s ease;}\n        .rtp-sitg-btn:hover{background:#14120f !important;color:#fff !important;text-decoration:none !important;}\n        @media(max-width:600px){\n          .rtp-sitg{flex-direction:column;align-items:stretch;gap:14px;}\n          .rtp-sitg-title{text-align:center;}\n          .rtp-sitg-btn{align-self:center;}\n        }\n        <\/style>\n    <div class=\"rtp-sitg\" style=\"background:#f7f7f7;border:1px solid #c8c8c8;\">\n      <div class=\"rtp-sitg-body\">\n        <div class=\"rtp-sitg-title\">Skin in the Game<\/div>\n        <p class=\"rtp-sitg-text\">I have never been invested in Lonvest with my own funds. My assessment of this platform is neutral, so I neither recommend nor advise against investing here.<\/p><\/div>\n      <a class=\"rtp-sitg-btn\" href=\"https:\/\/rethink-p2p.de\/en\/p2p-portfolio\/\" target=\"_blank\" rel=\"noopener\">My Portfolio<\/a>\n    <\/div>\r\n<hr \/>\r\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_89 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 eztoc-toggle-hide-by-default' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/rethink-p2p.de\/en\/lonvest-review\/#What_is_Lonvest\" >What is Lonvest?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/rethink-p2p.de\/en\/lonvest-review\/#Shareholder_and_Management\" >Shareholder and Management<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/rethink-p2p.de\/en\/lonvest-review\/#Sign_Up_and_Bonus\" >Sign Up and Bonus<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/rethink-p2p.de\/en\/lonvest-review\/#Investing_on_Lonvest\" >Investing on Lonvest<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/rethink-p2p.de\/en\/lonvest-review\/#Lonvest_Taxes\" >Lonvest Taxes<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/rethink-p2p.de\/en\/lonvest-review\/#Lonvest_Risks\" >Lonvest Risks<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/rethink-p2p.de\/en\/lonvest-review\/#Advantages_and_Disadvantages\" >Advantages and Disadvantages<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/rethink-p2p.de\/en\/lonvest-review\/#Summary_Lonvest_Review\" >Summary Lonvest Review<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/rethink-p2p.de\/en\/lonvest-review\/#FAQ_Lonvest_Review\" >FAQ Lonvest Review<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"What_is_Lonvest\"><\/span><strong>What is <\/strong><strong>Lonvest?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\r\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/10\/Lonvest-Bonus.jpg\"><img decoding=\"async\" class=\"size-full wp-image-23798 alignleft lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/10\/Lonvest-Bonus.jpg\" alt=\"Lonvest-Bonus\" width=\"300\" height=\"169\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 300px; --smush-placeholder-aspect-ratio: 300\/169;\" \/><\/a>Lonvest is a P2P lending platform with jurisdiction in Croatia, which has been launched in March 2023. On Lonvest, investors have a chance to invest in buyback-guaranteed consumer loans with terms of up to 30 days, while achieving promoted returns of up to 13.5%.<\/p>\r\n<p>The P2P platform Lonvest belongs to holding company \u2018SpaceCrew Finance Company\u2019, which was founded in 2020. The parent company assembles a number of international lenders that also offer their loans for financing on Lonvest.<\/p>\r\n<h3 class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\"><strong>Lonvest at a Glance<\/strong><\/h3>\r\n<p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\">All key facts and figures about Lonvest at a glance.<\/p>\r\n<div class=\"su-table su-table-alternate\">\r\n<table>\r\n<tbody>\r\n<tr>\r\n<td><strong>Founded \/ Started:<\/strong><\/td>\r\n<td>March 2023 \/ March 2023<\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>Legal Name:<\/strong><\/td>\r\n<td>Lonvest Platform LLC (<strong><a href=\"https:\/\/sudreg.pravosudje.hr\/registar\/f?p=150:28:0::NO:28:P28_SBT_MBS:081501022\" target=\"_blank\" rel=\"noopener\">LINK<\/a><\/strong>)<\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>Headquarter:<\/strong><\/td>\r\n<td>Zagreb, Croatia<\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>Regulated:<\/strong><\/td>\r\n<td>No<\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>CEO:<\/strong><\/td>\r\n<td><a href=\"https:\/\/www.linkedin.com\/in\/roman-katerynchyk-86b40818\/\" target=\"_blank\" rel=\"noopener\"><strong>Roman Katerynchyk<\/strong><\/a> (October 2022)<\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>Assets Under Management:<\/strong><\/td>\r\n<td>EUR 2.2+ million<\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>Number of Investors:<\/strong><\/td>\r\n<td>1,000+<\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>Expected Return:<\/strong><\/td>\r\n<td>Up to 13.5%<\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>Risk Score:<\/strong><\/td>\r\n<td>5.2 \/ 10 (Rank 22 of 31) | <a href=\"https:\/\/rethink-p2p.de\/en\/p2p-platform-risk\/\" target=\"_blank\" rel=\"noopener\"><strong>View Methodology<\/strong><\/a><\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>Primary Loan Type:<\/strong><\/td>\r\n<td>Consumer Loans<\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>Collateral:<\/strong><\/td>\r\n<td>Buyback Guarantee (60 Days)<\/td>\r\n<\/tr>\r\n<\/tbody>\r\n<\/table>\r\n<\/div>\r\n<h3><strong>SpaceCrew Finance<\/strong><\/h3>\r\n<p>Lonvest is backed by its parent company SpaceCrew Finance, which was founded in January 2020 and is headquartered in Singapore. The group, which employs around 500 people, assembles a number of active lending companies. These include the following brands:<\/p>\r\n<ul>\r\n<li>MyCredit in Ukraine (2016)<\/li>\r\n<li>OnCredit in Sri Lanka (2021)<\/li>\r\n<li>ClickCredit in the Ukraine (2020)<\/li>\r\n<li>Monto in the Ukraine (2024)<\/li>\r\n<li>Clicredito in Mexico (2024)<\/li>\r\n<\/ul>\r\n<p>Since March 2023, the Croatian-based company \u2018Lonvest Platform LLC\u2019 has also been part of the holding company, which is to be used as a source of financing for the Group&#8217;s lending markets.<\/p>\r\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/10\/Lonvest-Erfahrungen-SpaceCrew-Lonvest-Review-Lonvest-Opiniones.jpg\"><img decoding=\"async\" class=\"alignnone size-full wp-image-24187 lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/10\/Lonvest-Erfahrungen-SpaceCrew-Lonvest-Review-Lonvest-Opiniones.jpg\" alt=\"Lonvest-Review-SpaceCrew\" width=\"930\" height=\"396\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/10\/Lonvest-Erfahrungen-SpaceCrew-Lonvest-Review-Lonvest-Opiniones.jpg 930w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/10\/Lonvest-Erfahrungen-SpaceCrew-Lonvest-Review-Lonvest-Opiniones-300x128.jpg 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/10\/Lonvest-Erfahrungen-SpaceCrew-Lonvest-Review-Lonvest-Opiniones-768x327.jpg 768w\" data-sizes=\"(max-width: 930px) 100vw, 930px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 930px; --smush-placeholder-aspect-ratio: 930\/396;\" \/><\/a><\/p>\r\n<p>The Group was registered on 3 January 2020 under the name \u2018SPACE CREW ASIA PTE. LTD.\u2019 in the company register in Singapore. The Ukrainian Lonvest founder Roman Katerynchyk owns 80% of the shares in the parent company. The remaining 20% is held by Cyprus-based <a href=\"https:\/\/www.tasoverseas.com.cy\/\"><strong>T.A.S. OVERSEAS INVESTMENTS LIMITED<\/strong><\/a>, which in turn belongs to the <a href=\"https:\/\/tas.ua\/en\/\"><strong>TAS Group<\/strong><\/a> founded in Ukraine in 1998. In 2019, the company invested USD 3 million in the growth of the MyCredit brand, in which it also holds a 20% stake.<\/p>\r\n<div class=\"pl-4 pr-4 p-lg-0\">\r\n<h3><span style=\"color: #000000;\">Business Model<\/span><\/h3>\r\n<p>Lonvest offers lenders the opportunity to finance their loans via the P2P platform. These are only affiliated lending companies that are also part of the SpaceCrew Finance parent company. External lenders are not considered at the moment.<\/p>\r\n<p>The business model can therefore be compared with platforms such as <a href=\"https:\/\/rethink-p2p.de\/en\/viainvest-review\/\"><strong>Viainvest<\/strong><\/a>, <a href=\"https:\/\/rethink-p2p.de\/en\/robocash-review\/\"><strong>Robocash<\/strong><\/a> or <a href=\"https:\/\/rethink-p2p.de\/en\/bondora-review\/\"><strong>Bondora<\/strong><\/a>, where investors can also find a strong shareholder overlap between lenders and the P2P platform.<\/p>\r\n<\/div>\r\n<div class=\"pl-4 pr-4 p-lg-0\">\r\n<p>How does Lonvest earn money? Lonvest receives a commission fee, which is charged to the lenders for financing their loans on the platform. The P2P platform has not provided any specific details about the exact numbers.<\/p>\r\n<h3 data-pm-slice=\"1 1 []\">Lonvest News<\/h3>\r\n<p>P2P lending is a dynamic asset class where investors should stay continuously informed. You will find the latest news on Lonvest on my <strong><a href=\"https:\/\/rethink-p2p.de\/en\/news\/\">P2P lending news<\/a><\/strong> page, where I cover other P2P platforms as well.<\/p>\r\n\r\n<p>Alternatively, you can subscribe to my <strong><a href=\"https:\/\/bit.ly\/rethinkp2p-en-telegram\">Telegram channel<\/a><\/strong> or <strong><a href=\"https:\/\/bit.ly\/rethinkp2p-en-whatsapp\">WhatsApp group<\/a><\/strong> (both free of charge) to receive real-time updates as soon as new developments emerge.<\/p>\r\n<\/div>\r\n<hr \/>\r\n<h2><span class=\"ez-toc-section\" id=\"Shareholder_and_Management\"><\/span>Shareholder and Management<span class=\"ez-toc-section-end\"><\/span><\/h2>\r\n<p>Who are the main shareholders and management executives behind Lonvest? Let&#8217;s have a look!<\/p>\r\n<h3>Lonvest <span style=\"color: #000000;\"><strong>Shareholder<\/strong><\/span><\/h3>\r\n<p><span style=\"color: #000000;\"><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/10\/Lonvest-Erfahrungen-Gesellschafter-Lonvest-Review-Shareholder-Lonvest-Opiniones.jpg\"><img decoding=\"async\" class=\"size-full wp-image-24190 alignleft lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/10\/Lonvest-Erfahrungen-Gesellschafter-Lonvest-Review-Shareholder-Lonvest-Opiniones.jpg\" alt=\"Lonvest-Review-Shareholder\" width=\"500\" height=\"111\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/10\/Lonvest-Erfahrungen-Gesellschafter-Lonvest-Review-Shareholder-Lonvest-Opiniones.jpg 500w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/10\/Lonvest-Erfahrungen-Gesellschafter-Lonvest-Review-Shareholder-Lonvest-Opiniones-300x67.jpg 300w\" data-sizes=\"(max-width: 500px) 100vw, 500px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 500px; --smush-placeholder-aspect-ratio: 500\/111;\" \/><\/a><\/span><\/p>\r\n<p>Who owns Lonvest? The platform is officially operated by the Croatian company \u2018Lonvest Platform LLC\u2019, which was entered in the register on 14 March 2023. A look at the Croatian company register reveals that the platform is wholly owned by the Ukrainian <a href=\"https:\/\/www.linkedin.com\/in\/roman-katerynchyk-86b40818\/\"><strong>Roman Katerynchyk<\/strong><\/a> as the sole shareholder.<\/p>\r\n<h3><strong>Lonvest Management<\/strong><\/h3>\r\n<div class=\"col-lg-6 col-12\">\r\n<div class=\"pl-4 pr-4 p-lg-0\">\r\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/10\/Lonvest-Erfahrungen-CEO-Lonvest-Review-CEO-Lonvest-Opiniones-CEO.png\"><img decoding=\"async\" class=\"alignleft wp-image-23794 lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/10\/Lonvest-Erfahrungen-CEO-Lonvest-Review-CEO-Lonvest-Opiniones-CEO.png\" alt=\"Lonvest-Review-CEO\" width=\"300\" height=\"300\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/10\/Lonvest-Erfahrungen-CEO-Lonvest-Review-CEO-Lonvest-Opiniones-CEO.png 350w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/10\/Lonvest-Erfahrungen-CEO-Lonvest-Review-CEO-Lonvest-Opiniones-CEO-300x300.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/10\/Lonvest-Erfahrungen-CEO-Lonvest-Review-CEO-Lonvest-Opiniones-CEO-150x150.png 150w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/10\/Lonvest-Erfahrungen-CEO-Lonvest-Review-CEO-Lonvest-Opiniones-CEO-70x70.png 70w\" data-sizes=\"(max-width: 300px) 100vw, 300px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 300px; --smush-placeholder-aspect-ratio: 300\/300;\" \/><\/a><a href=\"https:\/\/www.linkedin.com\/in\/roman-katerynchyk-86b40818\/\"><strong>Roman Katerynchyk<\/strong><\/a> is the CEO and mastermind behind Lonvest.<\/p>\r\n<p>The Ukrainian businessman, who studied business administration and management at Kharkiv University in Ukraine, pursued many entrepreneurial activities in the fintech sector. These include building up many international lenders, which are operating in Ukraine, Poland, Mexico or Sri Lanka.<\/p>\r\n<p>In 2020, he founded the Space Crew Finance Group in Singapore. Today, this holding company brings together the lenders that he co-founded.<\/p>\r\n<p>Other Lonvest team members can be found on <a href=\"https:\/\/lonvest.com\/de\/about-us\/\"><strong>this page<\/strong><\/a>.<\/p>\r\n<\/div>\r\n<\/div>\r\n<hr \/>\r\n<h2><span class=\"ez-toc-section\" id=\"Sign_Up_and_Bonus\"><\/span><span style=\"color: #000000;\">Sign Up and Bonus<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\r\n<p>To invest on Lonvest, investors must fulfil two requirements: A minimum age of 18 years and a residence in the European Economic Area.<\/p>\r\n<p>The registration process on Lonvest is fairly simple and intuitive. After opening an account via email, the KYC (Know-Your-Customer) and AML (Anti-Money-Laundering) questionnaires must be completed on the website. This is followed by identity verification.<\/p>\r\n<p>For deposits above EUR 10,000, further checks are also carried out on the origin of the funds.<\/p>\r\n<p>Furthermore, deposits are currently only accepted from credit, payment or e-money institutions that are based in the European Union or in third countries where AML systems are comparable to the EU systems.<\/p>\r\n<p>Legal entities can register on Lonvest as well<span style=\"color: #000000;\">.<\/span><\/p>\r\n<h3><strong>Lonvest Bonus<\/strong><\/h3>\r\n<p>If Lonvest&#8217;s profile appeals to you, you can receive an additional investment bonus for Lonvest via this blog.<\/p>\r\n\n    <style>\n      #rtp-bonusbox-6ae5acbd20a96 .rtp-bonus-row{display:flex;gap:24px;align-items:flex-start;flex-wrap:wrap;}\n      #rtp-bonusbox-6ae5acbd20a96 .rtp-bonus-left{align-self:center;}\n      #rtp-bonusbox-6ae5acbd20a96 .rtp-bonus-mid{flex:1;min-width:220px;}\n      #rtp-bonusbox-6ae5acbd20a96 .rtp-bonus-mid p{margin:0;font-size:14px;line-height:1.5;color:#555555;}\n      #rtp-bonusbox-6ae5acbd20a96 .rtp-bonus-cta{flex-shrink:0;align-self:center;}\n      #rtp-bonus-btn-6ae5acbd20a96{transition:background 0.2s ease;}\n      #rtp-bonus-btn-6ae5acbd20a96:hover{background:#088a1f !important;}\n      @media (max-width:600px){\n        #rtp-bonusbox-6ae5acbd20a96 .rtp-bonus-row{flex-direction:column;text-align:center;align-items:center;}\n        #rtp-bonusbox-6ae5acbd20a96 .rtp-bonus-left{width:100% !important;}\n      }\n    <\/style>\n    <div id=\"rtp-bonusbox-6ae5acbd20a96\" style=\"border:1.5px solid #0aad27;border-radius:10px;background:#f3fbf5;box-shadow:0 2px 8px rgba(0,0,0,0.06);margin:1.5rem 0;padding:18px 22px;\">\n      <div class=\"rtp-bonus-row\"><div class=\"rtp-bonus-left\" style=\"flex-shrink:0;width:180px;text-align:center;\"><img decoding=\"async\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/07\/Lonvest-P2P-Logo.png\" alt=\"Lonvest\" style=\"--smush-placeholder-width: 804px; --smush-placeholder-aspect-ratio: 804\/167;max-width:160px;max-height:60px;height:auto;width:auto;display:inline-block;vertical-align:top;\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" class=\"lazyload\" \/>\n        <div style=\"margin-top:6px;display:flex;align-items:center;justify-content:center;gap:8px;\">\n          <span style=\"position:relative;display:inline-block;font-size:24px;line-height:1;letter-spacing:2px;\">\n            <span style=\"color:#d6d6d6;\">&#9733;&#9733;&#9733;&#9733;&#9733;<\/span>\n            <span style=\"position:absolute;left:0;top:0;overflow:hidden;white-space:nowrap;width:50%;color:#f5a623;\">&#9733;&#9733;&#9733;&#9733;&#9733;<\/span>\n          <\/span>\n          <span style=\"font-weight:700;color:#1a1a1a;font-size:16px;\">(2.5)<\/span>\n        <\/div><\/div><div class=\"rtp-bonus-mid\">\n          <div style=\"font-weight:700;font-size:1.1em;line-height:1.2;margin-bottom:6px;\">New Investor Bonus<\/div>\n          <p>New investors receive 1% cashback on all investments made within the first 90 days after registration.<\/p>\n        <\/div>\n        <div class=\"rtp-bonus-cta\">\n          <a id=\"rtp-bonus-btn-6ae5acbd20a96\" href=\"http:\/\/bit.ly\/rethink-p2p-goes-lonvest\" target=\"_blank\" rel=\"nofollow sponsored noopener\" style=\"display:inline-flex;align-items:center;gap:8px;background:#0aad27;color:#ffffff;padding:12px 22px;border-radius:8px;font-weight:700;font-size:1em;font-family:inherit;text-decoration:none;white-space:nowrap;\">Invest Now<\/a>\n        <\/div>\n      <\/div>\n    <\/div>\r\n<p>A platform overview with all bonus offers and cashback promotions can be found on the <a href=\"https:\/\/rethink-p2p.de\/en\/bonus\/\" target=\"_blank\" rel=\"noopener\"><strong>bonus page<\/strong><\/a>.<\/p>\r\n<hr \/>\r\n<h2><span class=\"ez-toc-section\" id=\"Investing_on_Lonvest\"><\/span><span style=\"color: #000000;\"><strong>Investing on Lonvest<\/strong><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\r\n<p data-pm-slice=\"1 1 []\">How does investing on Lonvest work? Let&#8217;s take a closer look at the different aspects.<\/p>\r\n<h3><span style=\"color: #000000;\"><strong>Loan Offering<\/strong><\/span><\/h3>\r\n<p>Lonvest is still a small P2P lending platform with a manageable amount of loans. So far, only loans from Sri Lanka (OnCredit) and Mexico (Clicredito) have been offered on the platform.<\/p>\r\n<p>When adding new lenders to the platform, Lonvest restricts itself exclusively to new ventures of the SpaceCrew Finance Group. Already established lenders who can finance themselves from their own resources will not be added to the P2P platform for the time being.<\/p>\r\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/10\/Lonvest-Erfahrungen-Kreditangebot-Lonvest-Review-Loan-Offering-Lonvest-Opiniones.jpg\"><img decoding=\"async\" class=\"alignnone size-full wp-image-24196 lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/10\/Lonvest-Erfahrungen-Kreditangebot-Lonvest-Review-Loan-Offering-Lonvest-Opiniones.jpg\" alt=\"Lonvest-Review-Loan-Offering\" width=\"1000\" height=\"209\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/10\/Lonvest-Erfahrungen-Kreditangebot-Lonvest-Review-Loan-Offering-Lonvest-Opiniones.jpg 1000w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/10\/Lonvest-Erfahrungen-Kreditangebot-Lonvest-Review-Loan-Offering-Lonvest-Opiniones-300x63.jpg 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/10\/Lonvest-Erfahrungen-Kreditangebot-Lonvest-Review-Loan-Offering-Lonvest-Opiniones-768x161.jpg 768w\" data-sizes=\"(max-width: 1000px) 100vw, 1000px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 1000px; --smush-placeholder-aspect-ratio: 1000\/209;\" \/><\/a><\/p>\r\n<p>The loans on Lonvest are primarily consumer loans with terms of up to 30 days, which are offered with interest rates of 11% to 13.5%.<\/p>\r\n<h3><span style=\"color: #000000;\"><strong>Costs and Fees<\/strong><\/span><\/h3>\r\n<p>On Lonvest, there are currently no costs or hidden fees charged to investors. Neither for registering, investing via the primary market nor for withdrawing funds.<\/p>\r\n<h3><span style=\"color: #000000;\"><strong>Expected Returns<\/strong><\/span><\/h3>\r\n<p data-pm-slice=\"1 1 []\">The expected return on Lonvest is largely determined by the offered interest rates and the repayment quality of the lenders. Lonvest has not yet encountered any problems, which is why the expected return should be in the low double-digit range.<\/p>\r\n<h3><span id=\"Gibt_es_einen_Auto_Invest\" style=\"color: #000000;\"><strong>Lonvest Auto Invest<\/strong><\/span><\/h3>\r\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/11\/Lonvest-Erfahrungen-Auto-Invest-Lonvest-Review-Auto-Invest-Lonvest-Opiniones-Autoinvercion.png\"><img decoding=\"async\" class=\"size-full wp-image-24355 alignleft lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/11\/Lonvest-Erfahrungen-Auto-Invest-Lonvest-Review-Auto-Invest-Lonvest-Opiniones-Autoinvercion.png\" alt=\"Lonvest-Review-Auto-Invest\" width=\"600\" height=\"408\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/11\/Lonvest-Erfahrungen-Auto-Invest-Lonvest-Review-Auto-Invest-Lonvest-Opiniones-Autoinvercion.png 600w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/11\/Lonvest-Erfahrungen-Auto-Invest-Lonvest-Review-Auto-Invest-Lonvest-Opiniones-Autoinvercion-300x204.png 300w\" data-sizes=\"(max-width: 600px) 100vw, 600px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 600px; --smush-placeholder-aspect-ratio: 600\/408;\" \/><\/a>At the moment, investors on Lonvest can only use the Auto Invest feature to invest in loans on the platform. A manual selection of loans is therefore not possible.<\/p>\r\n<p>This approach already applies on other P2P platforms like Robocash, where investors have also no influence on the selection of individual loans.<\/p>\r\n<p>Apart from that, the Auto Invest at Lonvest is structured somewhat differently. In contrast to many other P2P platforms, where investors can decide how much money is invested in a single loan, investors at Lonvest have to specify a maximum amount for their investment. The algorithm then automatically allocates the loans in different sizes, with the minimum investment amount being EUR 10.<\/p>\r\n<p>Additional selection choices can be made with borrower countries, investment term and whether the income should be reinvested.<\/p>\r\n<h3><span id=\"Gibt_es_einen_Sekundaermarkt_bei_VIAINVEST\" style=\"color: #000000;\">Secondary Market<\/span><\/h3>\r\n<p>Lonvest doesn&#8217;t offer a secondary market. Loans that are allocated via Auto Invest must therefore be held until the end of the loan term. Because the terms are only up to 30 days, a secondary market is only necessary to a limited extent.<\/p>\r\n<h3><span id=\"Gibt_es_eine_VIANIVEST_Rueckkaufgarantie\" style=\"color: #000000;\"><strong>Buyback Guarantee<\/strong><\/span><\/h3>\r\n<p>Lonvest offers a buyback guarantee as well, which is widespread in the P2P lending environment. This means that loans that are delayed in repayment over a certain period of time are repurchased by the issuer.<\/p>\r\n<p>In the case of Lonvest, this period is 60 days. When the loan gets repurchased, the accrued interest is also reimbursed.<\/p>\r\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/11\/Lonvest-Erfahrungen-Ruckkaufgarantie-Lonvest-Review-Buyback-Lonvest-Opiniones.png\"><img decoding=\"async\" class=\"alignnone size-full wp-image-24324 lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/11\/Lonvest-Erfahrungen-Ruckkaufgarantie-Lonvest-Review-Buyback-Lonvest-Opiniones.png\" alt=\"Lonvest-Review-Buyback\" width=\"968\" height=\"223\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/11\/Lonvest-Erfahrungen-Ruckkaufgarantie-Lonvest-Review-Buyback-Lonvest-Opiniones.png 968w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/11\/Lonvest-Erfahrungen-Ruckkaufgarantie-Lonvest-Review-Buyback-Lonvest-Opiniones-300x69.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/11\/Lonvest-Erfahrungen-Ruckkaufgarantie-Lonvest-Review-Buyback-Lonvest-Opiniones-768x177.png 768w\" data-sizes=\"(max-width: 968px) 100vw, 968px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 968px; --smush-placeholder-aspect-ratio: 968\/223;\" \/><\/a><\/p>\r\n<p>The repurchase itself is financed by the respective lender, which issued the loan in the first place. If the lender does not have the financial capacity, the parent company steps in to cover up the outstanding claim. Lonvest is therefore advertising both a buyback guarantee and a group guarantee.\u00a0<\/p>\r\n<hr \/>\r\n<h2><span class=\"ez-toc-section\" id=\"Lonvest_Taxes\"><\/span><strong>Lonvest Taxes<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\r\n<p>Generally, interest income generated by loan financing is considered investment income and must be reported as such on the tax declaration. Unlike other platforms, Lonvest does not withhold any taxes that is generated from interest income.<\/p>\r\n<p>For the tax report, investors will need to navigate to the &#8220;Statement&#8221; tab in the main menu. Here, investors can then select the category &#8220;Tax Report&#8221; and download the required document for the tax declaration purpose.<\/p>\r\n<hr \/>\r\n<h2><span class=\"ez-toc-section\" id=\"Lonvest_Risks\"><\/span>Lonvest Risks<span class=\"ez-toc-section-end\"><\/span><\/h2>\r\n<p data-pm-slice=\"1 1 []\">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 Lonvest? Where are the underlying risks and how can they be assessed?<\/p>\r\n<h3>Platform Risk<\/h3>\r\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/10\/Lonvest-Erfahrungen-Regulierung-Lonvest-Review-Regulation-Lonvest-Opiniones.jpg\"><img decoding=\"async\" class=\"size-full wp-image-24199 alignleft lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/10\/Lonvest-Erfahrungen-Regulierung-Lonvest-Review-Regulation-Lonvest-Opiniones.jpg\" alt=\"Lonvest-Review-Regulation\" width=\"500\" height=\"203\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/10\/Lonvest-Erfahrungen-Regulierung-Lonvest-Review-Regulation-Lonvest-Opiniones.jpg 500w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/10\/Lonvest-Erfahrungen-Regulierung-Lonvest-Review-Regulation-Lonvest-Opiniones-300x122.jpg 300w\" data-sizes=\"(max-width: 500px) 100vw, 500px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 500px; --smush-placeholder-aspect-ratio: 500\/203;\" \/><\/a>The Lonvest platform, operated by the Croatian company &#8220;Lonvest Platform LLC&#8221;, launched its operations in March 2023. 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.<\/p>\r\n<p>As a relatively young platform with a limited track record, trust in the shareholders is a key risk factor. Behind Lonvest stands the SpaceCrew Finance Group from Singapore, whose founder Roman Katerynchyk has been active in the lending business since 2016. To date, no payment defaults or capital losses for investors have occurred.<\/p>\r\n<div class=\"ss-box\">\n  <div class=\"ss-head\">\n    <div class=\"ss-head-left\">\n      <div class=\"ss-title\">Safety Score<\/div>\n      <div class=\"ss-rank\">Rank 22 of 31<\/div>\n    <\/div>\n    <div class=\"ss-head-right\">\n      <span class=\"ss-score\" style=\"color:#EF9F27\">5.2<\/span>\n      <span class=\"ss-of10\">\/ 10<\/span>\n      <span class=\"ss-pill ss-pill--mid\">Medium Risk<\/span>\n    <\/div>\n  <\/div>\n  <div class=\"ss-cats\">\n    <div class=\"ss-cat\">\n      <span class=\"ss-cat-name\">Regulation and Licensing<\/span>\n      <div class=\"ss-cat-bar\"><\/div>\n      <span class=\"ss-cat-pts\">0 \/ 15<\/span>\n    <\/div>\n    <div class=\"ss-cat\">\n      <span class=\"ss-cat-name\">Financial Stability<\/span>\n      <div class=\"ss-cat-bar\"><\/div>\n      <span class=\"ss-cat-pts\">0 \/ 20<\/span>\n    <\/div>\n    <div class=\"ss-cat\">\n      <span class=\"ss-cat-name\">Transparency and Disclosure<\/span>\n      <div class=\"ss-cat-bar\"><div class=\"ss-bar--g\" style=\"width:100%\"><\/div><\/div>\n      <span class=\"ss-cat-pts\">15 \/ 15<\/span>\n    <\/div>\n    <div class=\"ss-cat\">\n      <span class=\"ss-cat-name\">Loan Portfolio and Investor Losses<\/span>\n      <div class=\"ss-cat-bar\"><div class=\"ss-bar--g\" style=\"width:100%\"><\/div><\/div>\n      <span class=\"ss-cat-pts\">25 \/ 25<\/span>\n    <\/div>\n    <div class=\"ss-cat\">\n      <span class=\"ss-cat-name\">Track Record and Crisis Behaviour<\/span>\n      <div class=\"ss-cat-bar\"><div class=\"ss-bar--y\" style=\"width:48%\"><\/div><\/div>\n      <span class=\"ss-cat-pts\">12 \/ 25<\/span>\n    <\/div>\n  <\/div>\n  <details class=\"ss-rf\">\n    <summary class=\"ss-rf-toggle\">\n      <span class=\"ss-rf-toggle-label\">Red Flags <span class=\"ss-rf-badge ss-rf-badge--ok\">0<\/span><\/span>\n      <span class=\"ss-rf-chevron\"><\/span>\n    <\/summary>\n    <div class=\"ss-rf-body\">\n      <p class=\"ss-rf-none\">No Red Flags present.<\/p>\n    <\/div>\n  <\/details>\n  <div class=\"ss-note\">\n    The Safety Score assesses platform risk only. Lender risks and country-specific risks are not covered and must be evaluated separately.  <\/div>\n  <div class=\"ss-foot\">\n    <a class=\"ss-link\" href=\"https:\/\/rethink-p2p.de\/en\/p2p-platform-risk\/\" target=\"_blank\" rel=\"noopener noreferrer\">View full methodology &rarr;<\/a>\n  <\/div>\n<\/div>\n\r\n<h4>Segregation of Funds and Deposit Protection<\/h4>\r\n<p>Investor funds at Lonvest are held in separate accounts with individual IBANs through Multipass and are not used for the platform&#8217;s own operating purposes. Funds are therefore kept separate from the platform&#8217;s own operating funds.<\/p>\r\n<p>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.<\/p>\r\n<hr \/>\r\n<div class=\"col-lg-6 col-12\">\r\n<div class=\"pl-4 pr-4 p-lg-0\">\r\n<h3><strong>Financial Stability<\/strong><\/h3>\r\n<p>The financial stability of a P2P platform is a key risk factor. Is Lonvest already able to operate profitably? And how well is the company positioned financially?<\/p>\r\n\t<div class=\"rtp-quellenbox\">\n\t\t<div class=\"rtp-grid\">\n\n\t\t\t\t\t\t<div class=\"rtp-col\">\n\t\t\t\t<div class=\"rtp-icon rtp-blue\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"18\" height=\"18\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M12 17V3\"\/><path d=\"m6 11 6 6 6-6\"\/><path d=\"M19 21H5\"\/><\/svg><\/div>\n\t\t\t\t<div class=\"rtp-content\">\n\t\t\t\t\t<p class=\"rtp-label\">Annual Report<\/p>\n\t\t\t\t\t<p class=\"rtp-desc\">No financial statement is published for investors.<\/p>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t<div class=\"rtp-vdivider\"><\/div>\n\n\t\t\t<div class=\"rtp-col\">\n\t\t\t\t<div class=\"rtp-icon rtp-red\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"18\" height=\"18\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><circle cx=\"12\" cy=\"12\" r=\"10\"\/><path d=\"m15 9-6 6\"\/><path d=\"m9 9 6 6\"\/><\/svg><\/div>\n\t\t\t\t<div class=\"rtp-content\">\n\t\t\t\t\t<p class=\"rtp-label\">Auditor: Not Available<\/p>\n\t\t\t\t\t<p class=\"rtp-desc\">No external audit firm engaged.<\/p>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"rtp-vdivider\"><\/div>\n\n\t\t\t<div class=\"rtp-col\">\n\t\t\t\t<div class=\"rtp-icon rtp-red\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"18\" height=\"18\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><circle cx=\"12\" cy=\"12\" r=\"10\"\/><path d=\"m15 9-6 6\"\/><path d=\"m9 9 6 6\"\/><\/svg><\/div>\n\t\t\t\t<div class=\"rtp-content\">\n\t\t\t\t\t<p class=\"rtp-label\">Standard: Not Available<\/p>\n\t\t\t\t\t<p class=\"rtp-desc\">No audited financial statement available.<\/p>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\t<\/div>\n\n\t<style>\n\t.rtp-quellenbox {\n\t\tbackground: #F8F8F6;\n\t\tborder: 1px solid #e5e5e5;\n\t\tborder-radius: 12px;\n\t\tpadding: 20px 24px;\n\t\twidth: 100%;\n\t\tbox-sizing: border-box;\n\t\tfont-family: -apple-system, BlinkMacSystemFont, \"Segoe UI\", Roboto, sans-serif;\n\t\tmargin: 1.5rem 0;\n\t\tbox-shadow: 0 2px 8px rgba(0, 0, 0, 0.06);\n\t}\n\t.rtp-grid {\n\t\tdisplay: flex;\n\t\talign-items: stretch;\n\t}\n\t.rtp-col {\n\t\tdisplay: flex;\n\t\talign-items: flex-start;\n\t\tgap: 12px;\n\t\tflex: 1;\n\t\tpadding: 0 20px;\n\t}\n\t.rtp-col .rtp-content {\n\t\tpadding-top: 0;\n\t\tmargin-top: 0;\n\t}\n\t.rtp-col .rtp-content p:first-child,\n\t.rtp-col .rtp-content a:first-child {\n\t\tmargin-top: 0;\n\t\tpadding-top: 0;\n\t}\n\t.rtp-col:first-child { padding-left: 0; }\n\t.rtp-col:last-child  { padding-right: 0; }\n\t.rtp-vdivider {\n\t\twidth: 1px;\n\t\tbackground: #e5e5e5;\n\t\tflex-shrink: 0;\n\t}\n\t.rtp-icon {\n\t\twidth: 36px;\n\t\theight: 36px;\n\t\tborder-radius: 8px;\n\t\tdisplay: flex;\n\t\talign-items: center;\n\t\tjustify-content: center;\n\t\tflex-shrink: 0;\n\t\talign-self: flex-start;\n\t}\n\t.rtp-blue   { background: #E6F1FB; color: #185FA5; }\n\t.rtp-green  { background: #C0DD97; color: #27500A; }\n\t.rtp-yellow { background: #FAEEDA; color: #854F0B; }\n\t.rtp-red    { background: #FCEBEB; color: #A32D2D; }\n\t.rtp-gray   { background: #F1EFE8; color: #5F5E5A; }\n\t.rtp-quellenbox .rtp-label {\n\t\tfont-size: 13px;\n\t\tfont-weight: 600;\n\t\tcolor: #111111;\n\t\tmargin: 0 0 3px 0 !important;\n\t\tpadding: 0 !important;\n\t\tline-height: 1.4;\n\t}\n\t.rtp-quellenbox .rtp-desc {\n\t\tfont-size: 12px;\n\t\tcolor: #666666;\n\t\tmargin: 0;\n\t\tline-height: 1.4;\n\t\tmargin-top: 3px;\n\t}\n\t.rtp-quellenbox .rtp-link {\n\t\tfont-size: 12px;\n\t\tfont-weight: 500;\n\t\tcolor: #185FA5;\n\t\ttext-decoration: none;\n\t\tdisplay: inline-block;\n\t\tline-height: 1.4;\n\t}\n\t.rtp-quellenbox .rtp-link:hover { text-decoration: underline; }\n\n\t\/* Mobile: untereinander *\/\n\t@media (max-width: 640px) {\n\t\t.rtp-grid        { flex-direction: column; gap: 12px; }\n\t\t.rtp-col         { padding: 0; }\n\t\t.rtp-vdivider    { width: 100%; height: 1px; }\n\t}\n\t<\/style>\n\t\r\n<p>So far, no financial results have been published for the Lonvest platform or its parent company SpaceCrew Finance. This lack of transparency is a key risk factor that investors should take into account when forming an overall assessment.<\/p>\r\n<hr \/><\/div>\r\n<\/div>\r\n<h3>Lender Risk<\/h3>\r\n<p>A key risk factor is the assessment of the individual loan originators offering their loans for funding on the Lonvest platform. To evaluate their financial stability, the following table provides an overview of the most recent financial figures.<\/p>\r\n<figure class=\"wp-block-table is-style-regular has-small-font-size\">\r\n<table>\r\n<thead>\r\n<tr>\r\n<th><strong>Loan Originator<\/strong><\/th>\r\n<th><strong>Year<\/strong><\/th>\r\n<th><strong>Audited<\/strong><\/th>\r\n<th><strong>Profit<\/strong><\/th>\r\n<th><strong>ROA<\/strong><\/th>\r\n<th><strong>Equity Ratio<\/strong><\/th>\r\n<th><strong>Debt<\/strong><\/th>\r\n<th><strong>Liquidity<\/strong><\/th>\r\n<th><strong>Impairments<\/strong><\/th>\r\n<th><strong>Score<\/strong><\/th>\r\n<\/tr>\r\n<\/thead>\r\n<tbody>\r\n<tr>\r\n<td>Amanahkredit (MY)<\/td>\r\n<td>\u00a0<\/td>\r\n<td class=\"\">\u00a0<\/td>\r\n<td class=\"\">\u00a0<\/td>\r\n<td class=\"\">\u00a0<\/td>\r\n<td class=\"\">\u00a0<\/td>\r\n<td class=\"\">\u00a0<\/td>\r\n<td class=\"\">\u00a0<\/td>\r\n<td class=\"\">\u00a0<\/td>\r\n<td class=\"\">\u00a0<\/td>\r\n<\/tr>\r\n<tr>\r\n<td>Clicredito\u00a0(MX)<\/td>\r\n<td>\u00a0<\/td>\r\n<td class=\"\">\u00a0<\/td>\r\n<td class=\"\">\u00a0<\/td>\r\n<td class=\"\">\u00a0<\/td>\r\n<td class=\"\">\u00a0<\/td>\r\n<td class=\"\">\u00a0<\/td>\r\n<td class=\"\">\u00a0<\/td>\r\n<td class=\"\">\u00a0<\/td>\r\n<td class=\"\">\u00a0<\/td>\r\n<\/tr>\r\n<tr>\r\n<td>SpaceCrew Finance (SG)<\/td>\r\n<td>\u00a0<\/td>\r\n<td class=\"\">\u00a0<\/td>\r\n<td class=\"\">\u00a0<\/td>\r\n<td class=\"\">\u00a0<\/td>\r\n<td class=\"\">\u00a0<\/td>\r\n<td class=\"\">\u00a0<\/td>\r\n<td class=\"\">\u00a0<\/td>\r\n<td class=\"\">\u00a0<\/td>\r\n<td class=\"\">\u00a0<\/td>\r\n<\/tr>\r\n<\/tbody>\r\n<\/table>\r\n<\/figure>\r\n<p>You can check out the <a href=\"https:\/\/rethink-p2p.de\/en\/loan-originators\/\" target=\"_blank\" rel=\"noopener\"><strong>lender overview and comparison page<\/strong><\/a> to learn more about the applied KPIs and their interpretation.<\/p>\r\n<hr \/>\r\n<h3><span style=\"color: #000000;\">Lender Risk Assessment\u00a0<\/span><\/h3>\r\n<p>In direct discussions with Lonvest founder Roman Katerynchyk, some interesting insights on the topic of risk assessment came to light, particularly with regard to their market entry in Mexico.<\/p>\r\n<p>At first, new loan applications are subject to automated checks with various databases, such as credit agencies or fraud detection software, in order to make an initial pre-filtering. Lonvest then relies heavily on new and modern AI technologies for the risk assessment.<\/p>\r\n<p>There are two different assessment procedures that are used for both new and existing customers. If new borrowers receive a positive assessment, they are then called again by the lender and their identity is verified again (also offline) before the loan is paid out. In contrast, a different model is used for existing customers, which is based much more on past repayment behaviour. The repeat rate for Mexican borrowers is currently at 85%.<\/p>\r\n<p>At the moment, a total of 500 to 600 loan applications are submitted via the Clicredito brand in Mexico every day, of which only around 11% are granted. The target for non-performing loans is currently at 15% for existing customers and 18% to 20% for new customers. Given a default rate above 25%, Lonvest has admitted that there is still room for improvement.<\/p>\r\n<p>By way of comparison: In Ukraine, where the company has been active since 2016, NPLs are stated to be below 10%.<\/p>\r\n<p><iframe title=\"Exclusive Investor Meeting: Insights on the Mexican Lending Market\" width=\"810\" height=\"456\" data-src=\"https:\/\/www.youtube.com\/embed\/QIkIYMxAxZE?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" class=\"lazyload\" data-load-mode=\"0\"><\/iframe><\/p>\r\n<hr \/>\r\n<h2><span class=\"ez-toc-section\" id=\"Advantages_and_Disadvantages\"><\/span>Advantages and Disadvantages<span class=\"ez-toc-section-end\"><\/span><\/h2>\r\n<p>In this section, I have listed the most important advantages and disadvantages of Lonvest.<\/p>\r\n\n    <div style=\"border:1px solid #c8c8c8;border-radius:8px;overflow:hidden;margin:1.5rem 0;background:#ffffff;box-shadow:0 2px 8px rgba(0,0,0,0.10);\">\n      <div style=\"background:#f7f7f7;padding:14px 20px;border-bottom:1px solid #e0e0e0;\">\n        <div style=\"display:flex;align-items:center;gap:10px;\">\n          <div style=\"width:4px;height:20px;background:#0aad27;border-radius:2px;flex-shrink:0;\"><\/div>\n          <span style=\"font-weight:700;\">Advantages<\/span>\n        <\/div>\n      <\/div>\n      <div style=\"padding:12px 20px 16px;\"> \n    <div style=\"display:flex;gap:10px;align-items:flex-start;padding:8px 0;border-top:none;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u2705<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\"><strong>Experience:<\/strong> Lonvest founder Roman is an experienced manager in the lending business<\/span>\n    <\/div> \n    <div style=\"display:flex;gap:10px;align-items:flex-start;padding:8px 0;border-top:1px solid #f0f0f0;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u2705<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\"><strong>Clean Record:<\/strong> So far, no problems have come up on the platform with repayments<\/span>\n    <\/div> \n    <div style=\"display:flex;gap:10px;align-items:flex-start;padding:8px 0;border-top:1px solid #f0f0f0;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u2705<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\"><strong>Return:<\/strong> Above-average interest rates<\/span>\n    <\/div> \n    <div style=\"display:flex;gap:10px;align-items:flex-start;padding:8px 0;border-top:1px solid #f0f0f0;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u2705<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\"><strong>Liquidity:<\/strong> Loan terms of up to 30 days<\/span>\n    <\/div> <\/div>\n    <\/div> \n    <div style=\"border:1px solid #c8c8c8;border-radius:8px;overflow:hidden;margin:1.5rem 0;background:#ffffff;box-shadow:0 2px 8px rgba(0,0,0,0.10);\">\n      <div style=\"background:#f7f7f7;padding:14px 20px;border-bottom:1px solid #e0e0e0;\">\n        <div style=\"display:flex;align-items:center;gap:10px;\">\n          <div style=\"width:4px;height:20px;background:#cc3300;border-radius:2px;flex-shrink:0;\"><\/div>\n          <span style=\"font-weight:700;\">Disadvantages<\/span>\n        <\/div>\n      <\/div>\n      <div style=\"padding:12px 20px 16px;\"> \n    <div style=\"display:flex;gap:10px;align-items:flex-start;padding:8px 0;border-top:none;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u26a0\ufe0f<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\"><strong>Track Record:<\/strong> Lonvest is a new and inexperienced platform in the P2P environment<\/span>\n    <\/div> \n    <div style=\"display:flex;gap:10px;align-items:flex-start;padding:8px 0;border-top:1px solid #f0f0f0;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u26a0\ufe0f<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\"><strong>Offering:<\/strong> Lonvest is a small platform with a manageable amount of available loans<\/span>\n    <\/div> \n    <div style=\"display:flex;gap:10px;align-items:flex-start;padding:8px 0;border-top:1px solid #f0f0f0;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u26a0\ufe0f<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\"><strong>Regulation:<\/strong> Lonvest is not controlled and monitored by any financial regulator<\/span>\n    <\/div> \n    <div style=\"display:flex;gap:10px;align-items:flex-start;padding:8px 0;border-top:1px solid #f0f0f0;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u26a0\ufe0f<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\"><strong>Transparency:<\/strong> There are no available financial statements of the parent company<\/span>\n    <\/div> <\/div>\n    <\/div>\r\n<hr \/>\r\n<h2><span class=\"ez-toc-section\" id=\"Summary_Lonvest_Review\"><\/span><span style=\"color: #000000;\"><strong>Summary Lonvest Review<\/strong><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\r\n<p><span style=\"font-size: inherit; color: var(--text-color); font-family: var(--text-font);\">What is the preliminary conclusion of this Lonvest review?<br \/><\/span><\/p>\r\n<p><span style=\"font-size: inherit; color: var(--text-color); font-family: var(--text-font);\">Lonvest is a platform that was founded in early 2023, which has the potential to develop into a solid alternative in the P2P lending environment. Given the limited track record though, long-term assessments of the platform&#8217;s development are extremely difficult.<br \/><\/span><\/p>\r\n<p><span style=\"font-size: inherit; color: var(--text-color); font-family: var(--text-font);\">The platform is backed by an experienced manager from the lending business who has already built up a large number of internationally active lenders. As many of these lenders are able to finance themselves from their own resources, Lonvest primarily serves as a source of financing for the new ventures of the Space Crew Finance parent company.<br \/><\/span><\/p>\r\n<p><span style=\"font-size: inherit; color: var(--text-color); font-family: var(--text-font);\">Sharing audited financial statements, both for the holding company and their lenders, would provide a better idea for investors about the underlying financial stability. If the unofficially communicated numbers can be taken seriously, the buyback and group garantee should be honoured under normal market conditions.<\/span><\/p>\r\n<p><span style=\"font-size: inherit; color: var(--text-color); font-family: var(--text-font);\">\n    <style>\n      #rtp-bonusbox-6ae5acbd20e7c .rtp-bonus-row{display:flex;gap:24px;align-items:flex-start;flex-wrap:wrap;}\n      #rtp-bonusbox-6ae5acbd20e7c .rtp-bonus-left{align-self:center;}\n      #rtp-bonusbox-6ae5acbd20e7c .rtp-bonus-mid{flex:1;min-width:220px;}\n      #rtp-bonusbox-6ae5acbd20e7c .rtp-bonus-mid p{margin:0;font-size:14px;line-height:1.5;color:#555555;}\n      #rtp-bonusbox-6ae5acbd20e7c .rtp-bonus-cta{flex-shrink:0;align-self:center;}\n      #rtp-bonus-btn-6ae5acbd20e7c{transition:background 0.2s ease;}\n      #rtp-bonus-btn-6ae5acbd20e7c:hover{background:#088a1f !important;}\n      @media (max-width:600px){\n        #rtp-bonusbox-6ae5acbd20e7c .rtp-bonus-row{flex-direction:column;text-align:center;align-items:center;}\n        #rtp-bonusbox-6ae5acbd20e7c .rtp-bonus-left{width:100% !important;}\n      }\n    <\/style>\n    <div id=\"rtp-bonusbox-6ae5acbd20e7c\" style=\"border:1.5px solid #0aad27;border-radius:10px;background:#f3fbf5;box-shadow:0 2px 8px rgba(0,0,0,0.06);margin:1.5rem 0;padding:18px 22px;\">\n      <div class=\"rtp-bonus-row\"><div class=\"rtp-bonus-left\" style=\"flex-shrink:0;width:180px;text-align:center;\"><img decoding=\"async\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/07\/Lonvest-P2P-Logo.png\" alt=\"Lonvest\" style=\"--smush-placeholder-width: 804px; --smush-placeholder-aspect-ratio: 804\/167;max-width:160px;max-height:60px;height:auto;width:auto;display:inline-block;vertical-align:top;\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" class=\"lazyload\" \/>\n        <div style=\"margin-top:6px;display:flex;align-items:center;justify-content:center;gap:8px;\">\n          <span style=\"position:relative;display:inline-block;font-size:24px;line-height:1;letter-spacing:2px;\">\n            <span style=\"color:#d6d6d6;\">&#9733;&#9733;&#9733;&#9733;&#9733;<\/span>\n            <span style=\"position:absolute;left:0;top:0;overflow:hidden;white-space:nowrap;width:50%;color:#f5a623;\">&#9733;&#9733;&#9733;&#9733;&#9733;<\/span>\n          <\/span>\n          <span style=\"font-weight:700;color:#1a1a1a;font-size:16px;\">(2.5)<\/span>\n        <\/div><\/div><div class=\"rtp-bonus-mid\">\n          <div style=\"font-weight:700;font-size:1.1em;line-height:1.2;margin-bottom:6px;\">New Investor Bonus<\/div>\n          <p>New investors receive 1% cashback on all investments made within the first 90 days after registration.<\/p>\n        <\/div>\n        <div class=\"rtp-bonus-cta\">\n          <a id=\"rtp-bonus-btn-6ae5acbd20e7c\" href=\"http:\/\/bit.ly\/rethink-p2p-goes-lonvest\" target=\"_blank\" rel=\"nofollow sponsored noopener\" style=\"display:inline-flex;align-items:center;gap:8px;background:#0aad27;color:#ffffff;padding:12px 22px;border-radius:8px;font-weight:700;font-size:1em;font-family:inherit;text-decoration:none;white-space:nowrap;\">Invest Now<\/a>\n        <\/div>\n      <\/div>\n    <\/div><\/span><\/p>\r\n<hr \/>\r\n<h3><strong>Lonvest Alternatives<\/strong><\/h3>\r\n<p>Already invested in Lonvest? Or looking for similar platforms? Here are three Lonvest alternatives from the P2P market.<\/p>\r\n<p><strong>Robocash:<\/strong> A P2P marketplace also incorporated in Croatia, with a long-standing track record dating back to 2017. Like Lonvest, the platform serves as a financing channel for the lending business of its parent company, with a focus on short-term buyback-secured consumer loans. The key difference: Robocash has a notably longer track record and regularly publishes audited financial reports. More information in my <a href=\"https:\/\/rethink-p2p.de\/en\/robocash-review\/\" target=\"_blank\" rel=\"noopener\"><strong>Robocash review<\/strong><\/a>.<\/p>\r\n<p><strong>Viainvest:<\/strong> A regulated P2P marketplace from Latvia with a focus on consumer loans from within the European Economic Area. Similar to Lonvest, Viainvest is closely tied to the lending business of its parent company. The key advantage over Lonvest: Viainvest is regulated, providing investors with a clearly structured regulatory framework. More information in my <a href=\"https:\/\/rethink-p2p.de\/en\/viainvest-review\/\" target=\"_blank\" rel=\"noopener\"><strong>Viainvest review<\/strong><\/a>.<\/p>\r\n<p><strong>Afranga:<\/strong> A regulated P2P marketplace based in Bulgaria, serving primarily as a financing channel for the lending business of its parent company. Afranga stands out through its ECSP licence, competitive interest rates and a notably clean performance record with no capital losses for investors to date. More information in my <a href=\"https:\/\/rethink-p2p.de\/en\/afranga-review\/\" target=\"_blank\" rel=\"noopener\"><strong>Afranga review<\/strong><\/a>.<\/p>\r\n<p>You can find other Lonvest alternatives in the <a href=\"https:\/\/rethink-p2p.de\/en\/p2p-platform-comparison\/\" target=\"_blank\" rel=\"noopener noreferrer\"><strong>P2P Platform Comparison<\/strong><\/a> page.<\/p>\r\n<hr \/>\r\n<div class=\"su-tabs su-tabs-style-default su-tabs-mobile-stack\" data-active=\"1\" data-scroll-offset=\"0\" data-anchor-in-url=\"no\"><div class=\"su-tabs-nav\"><span class=\"\" data-url=\"\" data-target=\"blank\" tabindex=\"0\" role=\"button\"><strong>Affiliate Links \/ Conflict of Interest<\/strong><\/span><span class=\"\" data-url=\"\" data-target=\"blank\" tabindex=\"0\" role=\"button\"><strong>Disclaimer<\/strong><\/span><\/div><div class=\"su-tabs-panes\"><div class=\"su-tabs-pane su-u-clearfix su-u-trim\" data-title=\"&lt;strong&gt;Affiliate Links \/ Conflict of Interest&lt;\/strong&gt;\">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 \u201c<a href=\"https:\/\/rethink-p2p.de\/en\/p2p-portfolio\/\" target=\"_blank\" rel=\"noopener\"><strong>P2P Portfolio<\/strong><\/a>\u201d page.<\/div>\n<div class=\"su-tabs-pane su-u-clearfix su-u-trim\" data-title=\"&lt;strong&gt;Disclaimer&lt;\/strong&gt;\">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 <a href=\"https:\/\/rethink-p2p.de\/en\/disclaimer\/\" target=\"_blank\" rel=\"noopener\"><strong>disclaimer<\/strong><\/a>.<\/div><\/div><\/div>\r\n<hr \/>\r\n<h2><span class=\"ez-toc-section\" id=\"FAQ_Lonvest_Review\"><\/span>FAQ Lonvest Review<span class=\"ez-toc-section-end\"><\/span><\/h2>\r\n\r\n<div class=\"schema-faq wp-block-yoast-faq-block\">\r\n<div id=\"faq-question-1731307617206\" class=\"schema-faq-section\"><strong class=\"schema-faq-question\">\u2705 What is Lonvest?<\/strong>\r\n<p class=\"schema-faq-answer\">Lonvest is a P2P lending platform incorporated in Croatia, operational since March 2023, where investors can invest fully automatically via Auto Invest in buyback-secured consumer loans. Returns are in the low double-digit range.<\/p>\r\n<\/div>\r\n<div id=\"faq-question-1731307627821\" class=\"schema-faq-section\"><strong class=\"schema-faq-question\">\u2705 Is Lonvest regulated?<\/strong>\r\n<p class=\"schema-faq-answer\">No. Lonvest is not supervised by any financial authority. There are also no audited financial statements from its parent company Space Crew Finance &#8211; the platform&#8217;s most significant transparency gap.<\/p>\r\n<\/div>\r\n<div id=\"faq-question-1731307640132\" class=\"schema-faq-section\"><strong class=\"schema-faq-question\">\u2705 How does Lonvest differ from Robocash?<\/strong>\r\n<p class=\"schema-faq-answer\">Both platforms are incorporated in Croatia, have an Asian parent group with multiple international lenders, and rely exclusively on Auto Invest. The key difference: Robocash has a significantly longer track record and publishes financial figures.<\/p>\r\n<\/div>\r\n<div id=\"faq-question-1731307684940\" class=\"schema-faq-section\"><strong class=\"schema-faq-question\">\u2705 Can I invest manually on Lonvest?<\/strong>\r\n<p class=\"schema-faq-answer\">No. Lonvest only offers an Auto Invest function. Manual selection of individual loans is not possible. Investors set the maximum investment amount, borrower countries, and loan term in advance.<\/p>\r\n<\/div>\r\n<div id=\"faq-question-1774859065940\" class=\"schema-faq-section\"><strong class=\"schema-faq-question\"><strong>\u2705 Is there a bonus for signing up with Lonvest?<\/strong><\/strong>\r\n<p class=\"schema-faq-answer\">Yes. New investors registering via my affiliate link currently receive 1% cashback for 90 days on all investments.<\/p>\r\n<\/div>\r\n<\/div>\r\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":36920,"parent":0,"menu_order":0,"comment_status":"open","ping_status":"closed","template":"template-centered.php","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-24373","page","type-page","status-publish","has-post-thumbnail","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Lonvest Review 2026: Robocash Platform 2.0?<\/title>\n<meta name=\"description\" content=\"My Lonvest Review 2026: Robocash Platform 2.0? Deep Dive Lonvest Review \u271a 1% Cashback Bonus for Investors!\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/rethink-p2p.de\/en\/lonvest-review\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Lonvest Review 2026: Robocash Platform 2.0?\" \/>\n<meta property=\"og:description\" content=\"My Lonvest Review 2026: Robocash Platform 2.0? 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