August 9, 2021,

Bondora celebrates over 170 000 investors 🙌

Bondora Go & Grow

Editorial team

In June, we celebrated Go & Grow’s triumphant success with over €10 million invested. And this month we’re celebrating another milestone: Bondora now has over 170 000 investors! It’s fantastic that so many people want to grow their money the simple way. Thank you for choosing Bondora to make your investment goals a reality. Read on to see more highlights from June:

*Bondora celebrates over 170 000 investors.*

In July, 2,422 new investors joined Bondora, bringing the total number of investors to 170,654 people. Over €449M has been invested, and investors have earned more than €54M in returns over the last 13 years.

July has taken the torch from June and continues the upward growth trend we’ve seen with loan originations. This is now the 7^th month of continuous origination growth. €11,818,285’s worth of loans was originated on the month. That’s a 7.1% increase from June! With €7,626,688 in loans, Estonia holds the majority of loan originations, for now. Finnish originations (€4,192,237) continue to increase their share every month and now make up 35.5% of the Bondora loan portfolio.

In July, transactions on the Secondary Market continue their declining path. As more and more investors opt to invest passively with Go & Grow, it’s no surprise that there’s less activity on the market.€162,695 was transacted between investors, which is a 12.9% month-over-month decline. Manual transactions, as always, are the most popular category. But transactions via the API continue to rise in popularity, taking a 34% share in transactions.

July’s collection and recovery statistics are very similar to June’s. The number of recovered loan payments increased, but the recovery rate for the year decreased. Estonia remains the country with the highest percentage of loan recoveries, with Finland still in second place. Read more about our collection and recovery process here.

July continues the great streak we’ve had with investment growth this year. The product funding for all our Bondora investment options increased—from Go & Grow to the API. Our total overall investment increased by 7.5%, coming to a total investment value of €11,628,988. July has beaten June and is now the month with the highest investment amount for 2021.

We’re kicking off Q3 with a performance worthy of gold if you ask us! Loan originations and investments continue their upward trajectory. Even though Secondary Market transactions are declining slightly, it has no adverse effect on Bondora’s overall performance. It merely indicates hands-on investors’ personal preference about buying and selling individual loan pieces.

If you enjoy these breakdowns, follow our blog for weekly, more in-depth analyses of the Bondora market. Every month we take a detailed look at aspects like:

Loan originations
Collection and Recoveries
Product funding
Secondary Market

So, stay tuned to better determine your investment strategy, loan portfolio preferences, and more.

Bondora Go & Grow

Editorial team

At Go & Grow, our Editorial Team combines years of fintech experience with a passion for financial education. We’re here to share trustworthy insights, platform updates, and easy-to-understand investment tips for everyone.

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Frequently Asked Questions

How is Bondora regulated?
Bondora Capital’s business model is unique, with no direct precedents in the market. As such, there is currently no specific regulatory license that directly applies to our Go & Grow product. However, we work proactively with regulators across the EU to ensure full compliance with all applicable local laws and regulatory frameworks.

To support this, we regularly publish financial updates, audited annual reports, and disclosures, reinforcing our commitment to transparency and investor trust.

At the same time, Bondora Capital is subject to all relevant general regulations, including (but not limited to) the Estonian Consumer Protection Act, the Law of Obligations Act, the Commercial Code, the Accounting Act, the Competition Act, and the General Data Protection Regulation (GDPR).

Additionally, Bondora AS, a member of the Bondora Group, operates as a Licensed Credit Provider under the supervision of the Estonian Financial Supervision and Resolution Authority. In Finland, we operate through a licensed branch regulated by the Finnish Financial Supervisory Authority. We also hold an operating license in Latvia, supervised by Latvijas Banka, and have recently received regulatory approvals to operate in both Denmark and Lithuania.
Are Bondora AS's loans secured?
Bondora issues unsecured loans, meaning credit customers are not required to provide collateral. This approach allows us to offer a faster, simpler, and more accessible lending experience.

Risk is mitigated through multiple layers of protection. Our underwriting process is powered by predictive, data-driven models, trained on deep datasets collected over 17 years. Each borrower is carefully evaluated using a wide range of creditworthiness indicators before any loan is issued.

With Go & Grow, your investment is automatically diversified across hundreds of thousands of loans in multiple countries. This significantly reduces individual borrower risk and adds a layer of protection against regional or geopolitical events.

In the rare event of non-payment, we follow a structured recovery process, working with professional debt collection agencies and, when needed, escalating cases through local legal channels to pursue repayment.
What happens when a borrower doesn't repay?
At Bondora, we do a lot to prevent repayment issues before they happen. Our advanced data models carefully assess each borrower’s creditworthiness, using historical data and predictive analytics to minimize the likelihood of default from the start.

If a payment is delayed, we act quickly but thoughtfully. From the first day of the delay, we reach out to the customer via email, SMS, and automated calls to remind them of their delayed payment and offer flexible options to get back on track. The aim is to find a solution together, whether that means a new payment date or a short-term adjustment.

If the situation doesn’t resolve, we may involve our internal teams or trusted partners to continue the dialogue and explore further options. In some cases, if communication is unsuccessful, the matter may be escalated to the local legal system in line with standard procedures. Legal steps are always a last resort, and the goal is to find the best possible outcome for everyone involved.

Throughout this process, our focus remains on recovering outstanding amounts responsibly and respectfully while protecting investors’ interests.

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What are temporary partial payouts?
Under normal conditions, your Go & Grow withdrawal is paid in full with a single transaction near-instantly. However, in rare and extraordinary circumstances, partial payouts may be activated temporarily. This means your withdrawal will be split into smaller, daily payments until the full amount has been delivered. Only one €1 withdrawal fee applies once you’ve received the full amount.

This protective feature was built into Go & Grow from the start to help maintain stability and safeguard investor returns, so you can stay on track and stay earning, even when the world feels uncertain.

In Bondora’s 17-year history, partial payouts have only been activated once.

While we aim to keep Go & Grow fully liquid, this feature ensures that when conditions require it, your investments remain protected and continue to work for you.
What happens to my investments if Bondora goes bankrupt?
Your money is protected. Even in the highly unlikely event that Bondora Capital becomes insolvent, your investments remain yours. Investors legally own the loan claims, not Bondora Capital.

This means Bondora’s financial situation does not affect the legal ownership of those claims—they continue to belong to the investors. The claims are not part of Bondora’s bankruptcy estate.

Risks related to Bondora as a company are separate from the risks associated with your investment portfolio. Simply put, if Bondora disappears, your investment doesn’t.