Peer-to-Peer (P2P) Lending platforms in Finland


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Scramble is a crowdfunding platform founded in 2020 that operates in multiple countries across Europe including Austria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Serbia, Slovakia, Slovenia, Spain, Sweden, Switzerland, and the United Kingdom. The platform focuses on P2P lending investments in the startup industry. Scramble is a financial technology company with its headquarters based in Tallinn, Estonia. Its team is distributed throughout Europe, allowing for a diverse range of investment opportunities. The platform operates primarily in English, making it accessible to international investors. The minimum investment on Scramble is 10 EUR, allowing for small-scale investors to participate in crowdfunding campaigns. The advertised return on investment is 0.12, providing potential returns for those who invest through the platform. While most of Scramble's investors are based in the EU, the platform also accepts investors from other countries that are not prohibited by laws or sanctions. This open approach to investor eligibility allows for a wider pool of potential investors to contribute to startup projects. In summary, Scramble is a pan-European crowdfunding platform that specializes in P2P lending for startups. With its distributed team across various European countries and its headquarters in Estonia, the platform offers accessible investment opportunities primarily in English.

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Fixura is a crowdfunding platform based in Finland that specializes in P2P lending. Established in 2009, it is the oldest company in the P2P lending industry in the Northern countries. Fixura brings together investors and private individuals who require financing, creating a mutually beneficial arrangement. By investing in Fixura's loans, individuals can contribute to the growth of the Finnish economy. The platform enables investors to support small and medium-sized enterprises (SMEs) through P2P lending, providing them with much-needed funds to expand their businesses or fulfill financial obligations. However, specific information about the advertised return on investment is not provided. Nevertheless, Fixura offers a minimum investment amount of 20 EUR, making it accessible to a wide range of individuals. The crowdfunding platform is available online through its website, which offers information and resources in multiple languages. This accessibility ensures that investors from different regions can participate in Fixura's lending activities. Overall, Fixura serves as a platform that facilitates P2P lending between investors and individuals or businesses in need of financing. With its long-standing presence in the industry and focus on SMEs, Fixura provides a valuable opportunity for investors to contribute to the growth of the Finnish economy while potentially earning a return on their investment.

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Vauraus is a crowdfunding platform based in Finland that specializes in P2P lending for real estate investments. Founded in 2011, Vauraus Suomi Oyj aims to provide opportunities for prosperity through its unique investment solution. The platform allows individuals to lend money to Finnish SMEs and earn returns on their investments based on an interest-rate principle. The Vauraus platform offers individuals the chance to invest in real estate projects with a minimum investment of 2,000 EUR. While the specific advertised return is not mentioned, the platform promises a return on investment for individuals who lend their money to the SMEs. By participating in P2P lending for real estate, investors can potentially earn a steady income and contribute to the growth and development of Finnish SMEs. Vauraus's website, available at, provides information on how interested individuals can get involved in P2P lending and access investment opportunities. Though the languages supported by the platform are not specified, it is likely that the website is available in Finnish, given that the company is based in Finland. Anyone interested in supporting Finnish SMEs and earning a return on their investment can join Vauraus's crowdfunding platform. By lending their money to SMEs, investors can not only potentially earn a profit but also actively contribute to the economic growth and success of small businesses in Finland.