October 27, 2016,

Understanding the detailed borrower and loan data on Bondora

Bondora Go & Grow

Editorial team

Investors using Bondora have access to incredible amounts of information on borrowers and loans. The user interface displays the important information about the borrowers responsible for making repayments. In this post we’ll provide a brief overview of the borrower/loan data in “Investments” and “Secondary Market” pages and how to use this information to better understand your investments. These two pages summarize the same data about the investments. The “Investments” page details where your money is currently invested. The “Secondary Market” page lists available investment opportunities.

detailed-loan-information

Each investment is represented in a single line showing information like the investment number, Bondora rating, country, date of purchase, interest etc. Investors seeking more detail can add more columns from the table settings (on the top right corner) or expand the investment line and explore data in the following categories:

Summary Information:

Investors can see their portion of the borrower’s total loan amount here. The borrower’s total loan amount is represented in parenthesis. The portion of the loan owned by the investor is in bold to the left of this number. Other information includes final payoff date and principal and interest repaid. In the example shown the investor has a claim of 5€ on a total loan amount of 3,720€ which the borrower owes.

investment-summary-information

Borrower:

This section shows the borrower profile with information about the job history, age, dependents, marital status, education and homeownership status etc.

Income and Expenses:

This tab gives the investor an idea of how well the borrower will be able to meet their repayment obligations given their listed net salary. The debt to income ratio and verified income and expenses also helps the investor understand the risk profile. Any additional liabilities are also listed here.

Registered Payment Problems:

For many of the higher rated borrowers there are no existing payment problems, therefore this section is blank. In case when a borrower has had or still has issues with payments, this information will be displayed here. Data here is provided by external databases.

Collection Process:

The Bondora rating system illustrates the minimum and maximum expected losses for each borrower. Therefore, an investor seeking a higher return with a lower rated borrower will want to monitor the collection process for past due payments and defaults. More information about Bondora’s collection process can be found here.

Loan Schedule:

This section lists the repayments and dates scheduled for the investor’s loan. The amortization table tracks progress as each payment is satisfied. All changes to the repayment schedule are also shown here (for example when borrower reschedules the loan).

More loan data from Public Reports

For those comfortable using spreadsheet data Bondora offers complete transparency so that every loan can be viewed in a CSV file. This enables a broad view of the detail behind every borrower in the Bondora system. This information can be accessed our Public Reports page (file “Loan dataset”).

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.