• What is Loan

    Loan types

    Invest in business loans and consumer loans. Whichever works best for you.

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  • Invest step by step

    Investing step-by-step

    See how you can start investing right away with our step-by-step guide.

    Learn More
  • Who can be a investor

    Who can be an investor?

    See our eligibility criteria and find out how you can become a FerratumP2P investor today.

    Learn More

Invest in business and consumer loans quickly and easily!

Loan types

with FerratumP2P

Loans offered on the FerratumP2P platform are active loans from Ferratum Group products which it administers and collects from debtors. Every loan application undergoes a stringent review and approval process including credit scoring. Approved Ferratum Group loans with a medium to long maturity are then offered as investments through Ferratum P2P. As with any investment, there are always some risks. The lending industry is no exception and is, of course, dependent on the repayments of its debtors. However, with our no-risk, buyback, Ferratum guarantees to pay back 100% of the money invested to the investor if the debtor is more than 60 days in arrears with their repayments. Based on our expertise and years of experience, investors can expect an average expected annual net return of 4.9% (extended IRR indicator). However, the actual return on investment may differ depending on the loan type, country, and payment behaviour of debtors.

  • Ferratum business loans

    Since 2015, Ferratum Business has been helping small and medium enterprises grow their business by providing quick and easy working capital loans.

    Ferratum Business offers small and medium enterprises the ability to loan up to 100,000 € with 6 - 12 month terms available. SMEs use these the funds to purchase inventory, finance their expansion, market their business, and lease equipment.

    Two of the conditions for the loan are that the business must have an annual turnover of at least 75,000 € and have been in operation for at least two years.

    At present, SME loans are available in Finland, Sweden, Denmark, Lithuania and the Netherlands.

  • Ferratum Money Prime Loan

    Ferratum Money´s Prime is a traditional fixed instalment loan whereby customers can borrow between 3,000 € and 20,000 € with a term of up to 10-years.

    Prime Loans have fixed monthly payments which makes repayments easy. The cost of the loan depends on the loan amount and term, and our risk-based pricing means interest rates are based on our assessment of the individual customer.

    The maximum term for loans under 5,000 € is five years, the maximum term for loans under 10,000 € is seven years, and the maximum APR for Prime Loans is 55.56%.

Investing step by step

with FerratumP2P

  • 1

    Onboarding

    All that´s required to register (aka onboard) with FerratumP2P is an e-mail address.

    When you are ready to invest, you will onboard via our Onboarding Wizard application where you enter your personal information, address, bank account details, and upload copies of your documents.

    Investing through FerratumP2P is available to anyone over 18 years of age and who is a European Union citizen or a citizen of a European Free Trade Association country. Investors must also have a bank account authorised and regulated in the European Union or a European Free Trade Association country, and the bank account must be in his or her name.

  • 2

    Uploading documents

    To onboard, you will need your ID card or passport containing a photo of you as well as a secondary ID document with a photograph such as a driver’s licence or passport.

    If your ID documents do not include your address, you will need to upload a document issued by a state authority substantiating your permanent address (e.g. a statement issued by the Social Security Administration Board, a letter from the Internal Revenue Service). Unfortunately, your address cannot be substantiated with a utility bill such as a gas or electricity bill.

    Please note that copies of your documents will be archived for a period of 10 years.

    You can transmit the documents as pictures (i.e. jpeg, png, gif). The size is limited to 5 MB per picture. If you are unable to upload your documents successfully, please contact our Customer Service.

    Presenting your ID documents is important for client identification and is required by Act No. 253/2008, the Measures Against Legalisation of Proceeds from Criminal Activities and Financing Terrorism Act.

  • 3

    Bank account

    As part of the onboarding process, you will be asked to provide us with your bank account details. To verify bank account ownership, we will need a digital copy of your bank statement displaying your name and account ownership details. You may, of course, hide the account balance and any transactional information.

    The bank account you provide us during the onboarding process will be your default bank account which will be used for all transactions.

    After completing the onboarding process, under My Profile you can add additional bank accounts in different currencies. Similarly, we will require bank statements for each account to verify ownership.

    Under My Profile, you can also remove bank accounts. Once an account is removed, it will no longer be visible under My Profile, however, upon your request, we can reactivate removed accounts.

  • 4

    Contract signing

    The last step of the onboarding process involves you signing a contract for investing in the FerratumP2P platform.

    We recommend you read the contract and all related documents carefully including the General Business Terms and Conditions, as well as our Frequently Asked Questions (FAQ).

  • 5

    Completing the onboarding process

    Once you have completed the onboarding process and confirmed your details, we will review your documents. Once we have reviewed your documents, you will receive confirmation of your account between 1 and 3 working days.

  • 6

    Transferring money

    When your account is approved, you will receive a Variable Symbol which must be used whenever sending funds. All your payment information will be accessible via My Account, under Cash Account – Add Funds.

    Your payment details such as your account number and variable symbol will be sent to you after you have successfully onboarded and your account has been approved. Payment details are then viewable in My Account, under Cash Account – Add Funds.

    Transferring funds to the investment account takes between 1 and 3 days.

    Investors can invest in various currencies, and funds are transferred in the currency of the corresponding bank account.

    You can transfer funds in one of two ways:

    1. From a bank account held in your name which has been verified by us and is added to My Profile – Bank Accounts
    2. By using the Paysera, TransferWise or similar services

    To prevent money laundering, we are only able to accept funds under the following three conditions:

    1. You have specified the correct variable symbol
    2. The account holder name is the same as your name
    3. If you use the services of Paysera or TransferWise, we will ask you to substantiate that the funds originated from your account (by presenting a payment order or a bank statement).

    If payments do not meet the above conditions, funds will be returned to the payer’s account.

  • 7

    Investing

    Loans offered on the FerratumP2P platform are active loans from Ferratum Group products which it administers and collects from debtors.

    Every loan application undergoes a stringent review and approval process including credit scoring.

    Approved Ferratum Group loans with a medium to long maturity are then offered as investments through Ferratum P2P.

    You may start investing as soon as your application has been approved and you have transferred funds for investing into the investment account.

    • “Basic” is intended for those who are looking for a carefree investment, or perhaps don’t have experience with investments. With a single click, an investor invests in all available loans. With our guarantee to buyback 100% of all unpaid loans, there is no risk to the investor.
    • “Advanced” is aimed at more advanced investors. In this mode, investors have the option to browse each loan, optimise yields, and decide where they to put their money.
    • “Automatic” is where investors can set investment filters and our automated system will take care of the rest.
    • API (Application Programming Interface) mode allows investors to invest through their own API connection or other software application. Advanced IT knowledge is necessary for this mode

    If, for any reason, you wish to withdraw from any investment, you may do so within 14 days. You will your money back minus any pay-outs you may have received.

  • 8

    Installments

    It is our aim to ensure that debtors repay their loans and on time. If a debtor is in arrears with a repayment instalment, we notify them immediately. In most cases where debtors fail to make an instalment on time, it is due to an oversight on their part.

    However, in general, if after issuing a reminder, a debtor does not make payment, the loan is defaulted and passed to a collection agency who specialises in such matters.

    Depending on the loan type, the debtor may have the option to repay the loan before its maturity date, in which case the debtor only pays the interest which accrued until the loan was repaid, and not the interest for the full loan term.

    The debtor may also spread the loan over a longer term, or increase the amount borrowed.

    If the debtor is 60 days in default, Ferratum will automatically refund the investor 100% of the unrepaid principal in the form of a special instalment called Buyback, and close the investment.

    Instalments are distributed among investors in proportion to the investors´ shares. This amount is then credited to the investors´ investment account.

    You can view a list of the instalments paid under My Investments.

    Although through Basic Mode investors are able to invest in multiple loans simultaneously, investments are always made into individual loans.

    Under My Investments, you see a full list of investments in individual loans, as well as view statistics for each loan.

  • 9

    BuyBack

    When a loan defaults, investors receive 100% of the remaining investment principal in the form of a special instalment called Buyback and the investment is closed.

    Here is an example of an investment of €1,000 into a loan with a 100% buyback. Say, a borrower made regular repayments on their loan but after paying €400 on the principal amount and €50 in interest, the borrower stopped repaying his/her loan. As a result, there is now an unpaid principal amount of €600. Ferratum will pay the investor 100% of the balance of the unpaid principal, which is 600 EUR. In this example, the investor invested €1,000 and received a total of €1,050

  • 10

    Investment account management

    All transactions performed through FerratumP2P including deposits, withdrawals, investments, and instalments can be tracked in section Cash Account.

    Money which has not been invested into loans can be transferred to your bank account at any time.

    You can transfer the money to any of your bank accounts which have been approved via My Profile – Bank Accounts.

    You can request a withdrawal via Cash Account – Money Withdrawal. The request for withdrawal will immediately be reflected in your investment account, however, the actual transfer will occur next working day. You will receive confirmation by e-mail and text message (SMS) when the money has been transferred to your account.

Who can become a FerratumP2P investor?


To become a FerratumP2P investor an investor must be at least 18 years of age and be a European citizen or a citizen of a European Free Trade Association country.

An investor must also have a bank account authorised and regulated in the European Union or a European Free Trade Association country, and the bank account must be in his or her name, except as restricted by the guidelines in the investors´ country of origin.