Envestio review

envestio review, Envestio review

What is Envestio?

Envestio it’s a young crowdlending platform which offers one of the highest interest rates available on the market. It’s based on Latvia, and despite it was officially founded in late 2017, it started as a private investment fund in 2014. At Envestio, users can invest in fractions of innovative projects, such as crypto-mining, energy-related or real estate. Most of their loan last up to 12 months of duration.

Read my interview with Alesia Nikalaichyk, the Senior Account Manager of Envestio.

Their Trustpilot score is 8.9/10. Throughout this post you’ll find out why the investors are so happy with them.

envestio review, Envestio review

What return can I expect?

The average return of Envestio‘s investors is 19.02% (damn!). At the time of writing, my current interest rate is 20,24%.

You will even find projects up to 30% of interest (holly molly!):

envestio review, Envestio review

Explore the active, funded and already completed projects in the Projects section:

envestio review, Envestio review

Use the Portfolio Estimator to see how your portfolio would perform over the years.

Buyback guarantee

There’s a partial buyback guarantee available, depending on the project the investor can get back most of his funds in case the borrower defaults. For secured debt projects, at least 90-95% of the investment amount is secured. Find more info at Envestio’s blog.

There is no doubt that their accountant team is very picky, though. At the time of writing, Envestio‘s platform have not had any loan default nor payment delays whatsoever.


Unlike Mintos or Grupeer platforms, Envestio does not offer an auto-invest tool. In my interview told me that they’re currently working on it. Due to the increase of investors due to the high-yielding loans, it’s quite challenging to arrive on time to invest as the projects are usually financed in less than 40 minutes after they’re posted on the marketplace.

Anyway, I personally rather check the projects manually because they are well-detailed and I usually invest more than 500€ per each. Don’t panic if after sign-up there are no projects available, they post around 2-3 projects per week (be patient!).

However, they will instantly send you an email whenever a project is published in the marketplace, so there is enough time to investigate the project itself before making a decision. Here is a project’s details page:

envestio review, Envestio review
envestio review, Envestio review

As you can see they provide a high level of detail, not only of the company itself but of its market section too, which is very helpful. Additionally, I usually google the company’s name to look for an overall picture of their current situation and track history. I tend to avoid agriculture-related loans as they depend on unpredictable factors like the weather that could suddenly ruin the harvest. I’ll describe my process step-by-step in the near future.

Secondary market

Envestio allows you to sell back any contract anytime with a 5% commission fee over the remaining principal. This action is performed instantly with no questions asked.


There are no fees applied to the investors.

Start with an advantage

Sign up through my affiliate link to receive a 5€ first-time bonus (if you invest more than 100€) plus an extra 0.5% of cashback during the first 9 months.

Let’s suppose that you invest 5,000€ to Envestio platform. Within 24h after the registration, you’ll receive a 5€ bonus. After 30 days, Envestio will credit 0.5% of 5,000€ (which is 25€) to your investor account. Then at the end of each month until 270 days, they will review the average invested balance again and, if it increases, credit your investor account again using the same criteria. Not bad, huh?

The bottom line

To sum it up, Envestio looks like a very promising P2P lending platform which focuses on short-term innovative projects. In my personal opinion, they do compensate for the lack of a total buyback guarantee and the manual investment by offering the highest interest rates on the market that I’ve seen. That makes Envestio a good player in my portfolio yielding a stable cash flow every single month.

Any question? Already using Envestio? Do not hesitate in asking your doubts or sharing your personal experience in the comment section below.

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