How we score platforms
One number, six inputs, no opinions in the arithmetic. Here is the whole formula, so you can check it or disagree with it.
Why a safety score and not a quality score
Almost every comparison site in this sector ranks platforms in a way that rewards a high advertised return. We do the opposite. This score asks one question — how likely are you to get your capital back — and treats an unusually high yield as evidence of risk somebody else has already priced, not as a benefit. A platform paying 6% can outrank one paying 14%, and frequently does.
The six dimensions and what they weigh
Regulation
30%Decides what happens to your uninvested cash if the platform fails. An investment firm licence outranks a crowdfunding licence because it brings client-money segregation and, usually, a compensation scheme.
Track record
25%Years of operation with diminishing returns, minus documented incidents. A penalty is halved once investors were made whole — a platform that hit trouble and repaid has proved something an untested one has not.
Transparency
15%Counts five things a platform can show you: audited accounts, loan-level data, originator detail, recovery figures, and a publicly listed parent.
Liquidity
15%Whether you can get out, how fast and at what cost. A platform that has frozen withdrawals before loses two points, because it can do it again.
Diversification
10%How many independent balance sheets stand behind the loans. A buyback from a single group is one insolvency away from worthless.
Yield sanity
5%The penalty dimension. Full marks at or below 10%, falling to 3 at 16% and above.
The formula
Each dimension is scored 0–10 from documented inputs, then multiplied by its weight and summed. Nothing is rounded until the end.
| Regulation | 10.0 | × | 0.30 | = | 3.00 |
| Track record | 6.4 | × | 0.25 | = | 1.59 |
| Transparency | 8.4 | × | 0.15 | = | 1.26 |
| Liquidity | 6.5 | × | 0.15 | = | 0.97 |
| Diversification | 9.0 | × | 0.10 | = | 0.90 |
| Yield sanity | 9.7 | × | 0.05 | = | 0.48 |
| Our score | 8.2 | ||||
P2P lending platform comparison
| Platform | Our score | REG | TRK | TRN | LIQ | DIV | YLD |
|---|---|---|---|---|---|---|---|
| Mintos | 8.2 | 10.0 | 6.4 | 8.4 | 6.5 | 9.0 | 9.7 |
| Debitum | 7.4 | 10.0 | 6.4 | 6.8 | 5.0 | 6.5 | 8.2 |
| Income Marketplace | 7.1 | 7.5 | 5.4 | 8.4 | 7.5 | 6.5 | 8.4 |
| EstateGuru | 7.1 | 7.5 | 4.7 | 8.4 | 6.5 | 9.0 | 10.0 |
| Bondora | 6.8 | 7.5 | 7.0 | 6.8 | 6.5 | 3.5 | 10.0 |
| Esketit | 6.6 | 7.5 | 5.9 | 6.8 | 7.5 | 4.5 | 5.3 |
| Lande | 6.6 | 7.5 | 6.1 | 6.8 | 5.0 | 6.5 | 8.6 |
| Nectaro | 6.3 | 10.0 | 4.8 | 5.2 | 5.0 | 3.5 | 5.3 |
| Lendermarket | 5.8 | 7.5 | 5.1 | 5.2 | 5.0 | 4.5 | 6.0 |
| PeerBerry | 5.1 | 2.5 | 6.1 | 5.2 | 6.0 | 6.5 | 8.8 |
| Robocash | 4.8 | 2.5 | 6.6 | 5.2 | 5.0 | 3.5 | 10.0 |
| Monefit SmartSaver | 4.8 | 2.5 | 5.6 | 3.6 | 8.5 | 3.5 | 9.4 |
| Hive5 | 4.7 | 4.5 | 5.2 | 3.6 | 5.0 | 4.5 | 5.9 |
| Swaper | 4.5 | 2.5 | 6.8 | 3.6 | 6.0 | 3.5 | 5.3 |
| Fintown | 4.0 | 2.5 | 4.8 | 3.6 | 5.0 | 3.5 | 7.7 |
When a score is marked provisional
A score carries a provisional flag when the platform is under two years old, or when the underlying figures are more than 120 days stale. In both cases the number is still shown — hiding it would be worse — but it is not evidence of much.
When scores change
Scores move when the evidence moves: a licence granted, an incident recorded, a rate change picked up by the daily check. They are never adjusted because of a commercial conversation. If we change a weight, every platform is re-scored at once and the change is noted here.
Where the numbers come from
Return figures are read from each platform's own public statistics or homepage. Every platform page names the exact URL and the date it was last read. Where a platform blocks our checker, the figure is carried over and marked unverified rather than quietly refreshed.
What counts as an input
Every platform is scored 0–10 by an algorithm, not by a person deciding how it feels. Six weighted dimensions go in: regulation (30%), track record (25%), transparency (15%), liquidity (15%), diversification (10%) and yield sanity (5%). The last one is a penalty, not a reward — an unusually high advertised return is a price somebody set for risk they measured and you cannot see. Each input is a documented fact, the weights are published, and the whole calculation is open for you to disagree with.
P2PforYou earns commission from some of the platforms listed. This never influences our scores or rankings. · https://p2pforyou.com/en/methodology