- Monthly Update
Crowdlending investment portfolio - October 2026
Actual results, cross-platform transactions and performance analysis.
Crowdlending Investment Portfolio
Portfolio summary
The crowdlending portfolio for October 2026 closes at €291,860, compared to €292,659 in September. The asset variation is -799 €, resulting from €3,576 in recorded interest during the period and -4,375 € in net capital movements. Therefore, the slight decline in the total balance does not reflect a month without generating interest, but rather that withdrawals and reductions in exposure exceeded new contributions. The top 10 remains unchanged: INDEMO continues first with 38,785 €, followed by LOANCH with 37,500 € and VENTUS ENERGY with 34,288 €. The main additions are MILLEA, who enters with 755 € within Invant LABS. In parallel, we strengthen positions such as MINTOS, INCOME MARKETPLACE and TWINO, while reducing others such as VIAINVEST, MACLEAR AG, MONEFIT and LENDERMARKET.
Monthly comparison by platform
Breakdown of investments, returns and changes by platform
| 8LENDS | 23.40% | 1,137.00 € | 1,380.00 € | — | +83.00 € | +160.00 € | Buy | Mercado Secundario | Mensual | |
| INDEMO | 21.60% | 38,785.00 € | 38,785.00 € | 1 | — | — | IBF | Buy | Fin Proy | |
| MYPEAK FINANCE | 21.35% | 538.00 € | 545.00 € | — | +7.00 € | — | InvantLabs | Mensual | ||
| FF FOREST | 19.67% | 8,776.00 € | 8,680.00 € | 9 | +124.00 € | -220.00 € | Hold | Early Exit | Diario | |
| SAVY | 19.03% | 4,000.00 € | 4,200.00 € | — | +200.00 € | — | ECSP | Buy | Mercado Secundario | Mensual |
| NORGE HOUSE Nueva | 19.00% | 300.00 € | 313.00 € | — | +13.00 € | — | InvantLabs | Mensual | ||
| VENTUS ENERGY | 17.94% | 34,288.00 € | 34,288.00 € | 3 | — | 0.00 € | Close | Diario | ||
| DEVON | 17.80% | 16,480.00 € | 16,672.00 € | 7 | +192.00 € | — | Buy | Early Exit | Diario | |
| SILVALAND | 17.60% | 980.00 € | 993.00 € | — | +13.00 € | — | InvantLabs | Diario | ||
| MACLEAR | 17.60% | 16,880.00 € | 15,558.00 € | 8 | +278.00 € | -1,600.00 € | Suiza | Buy | Mercado Secundario | Mensual |
| STOCK ESTATE | 17.54% | 2,833.00 € | 2,850.00 € | — | +17.00 € | — | ECSP | Buy | Mensual | |
| LENDERMARKET | 16.85% | 6,648.00 € | 5,924.00 € | — | +126.00 € | -850.00 € | ECSP | Sell | Mensual | |
| SCRAMBLE | 16.46% | 700.00 € | 715.00 € | — | +15.00 € | — | InvantLabs | Mensual | ||
| ASTERRA ESTATE | 16.18% | 19,431.00 € | 19,601.00 € | 5 | +240.00 € | -70.00 € | Buy | Early Exit | Diario | |
| MILLEA Nueva | 15.50% | — | 755.00 € | — | — | +755.00 € | InvantLabs | Diario | ||
| FINBEE | 15.20% | 313.00 € | 219.00 € | — | +6.00 € | -100.00 € | Sell | Mercado Secundario | Mensual | |
| TRIPLE DRAGON | 15.02% | 2,155.00 € | 2,182.00 € | — | +27.00 € | — | Buy | Early Exit | Diario | |
| LENDIBALL | 15.00% | 376.00 € | 385.00 € | — | +9.00 € | — | InvantLabs | Mensual | ||
| AFRANGA | 14.50% | 8,060.00 € | 7,600.00 € | 10 | +140.00 € | -600.00 € | ECSP | Buy | Mercado Secundario | Mensual |
| NECTARO | 14.47% | 5,226.00 € | 5,278.00 € | — | +52.00 € | — | IBF | Buy | Mensual | |
| HIVE5 | 14.42% | 3,932.00 € | 3,516.00 € | — | +234.00 € | -650.00 € | Buy | Mercado Secundario | Mensual | |
| BIENPRÊTER Nueva | 14.16% | 785.00 € | 850.00 € | — | +65.00 € | — | ECSP | InvantLabs | Mensual | |
| DEBITUM | 14.16% | 16,581.00 € | 16,796.00 € | 6 | +215.00 € | — | IBF | Buy |
Diario/ Mensual |
|
| LOANCH | 14.00% | 37,235.00 € | 37,500.00 € | 2 | +265.00 € | — | Buy | Mensual | ||
| LONVEST | 13.75% | 5,309.00 € | 4,580.00 € | — | +271.00 € | -1,000.00 € | Buy | Liquidez Total | Diario | |
| REVEST | 13.50% | 1,360.00 € | 1,460.00 € | — | +100.00 € | — | Buy | Mensual | ||
| INCOME MARKETPLACE | 13.20% | 2,810.00 € | 3,534.00 € | — | +124.00 € | +600.00 € | Buy | Mensual | ||
| FINTOWN | 13.00% | 1,050.00 € | 1,050.00 € | — | — | — | InvantLabs | Mensual | ||
| MINTOS | 12.49% | 2,417.00 € | 3,923.00 € | — | +6.00 € | +1,500.00 € | IBF | Buy | Mercado Secundario | Variable |
| LANDE | 12.00% | 6,200.00 € | 6,555.00 € | — | +155.00 € | +200.00 € | ECSP | Buy | Mercado Secundario | Variable |
| ESKETIT | 11.95% | 5,250.00 € | 4,800.00 € | — | +150.00 € | -600.00 € | Hold | Mercado Secundario | Mensual | |
| VIAINVEST | 11.30% | 4,166.00 € | 2,830.00 € | — | +164.00 € | -1,500.00 € | IBF | Sell | Mensual | |
| INCOME Nueva | 10.75% | 1,015.00 € | 1,020.00 € | — | +5.00 € | — | ECSP | InvantLabs | Mercado Secundario | Mensual |
| MONEFIT SMARTSAVER | 9.80% | 5,018.00 € | 4,080.00 € | — | +62.00 € | -1,000.00 € | Buy | Liquidez Total | Diario | |
| LANDED | 9.70% | 350.00 € | 353.00 € | — | +3.00 € | — | Sell | Mensual | ||
| ROBOCASH | 9.65% | 618.00 € | 622.00 € | — | +4.00 € | — | Buy | Mercado Secundario | Mensual | |
| MODENA | 9.60% | 1,078.00 € | 1,085.00 € | — | +7.00 € | — | Buy | Diario | ||
| PEERBERRY | 9.17% | 84.00 € | 85.00 € | — | +1.00 € | — | Buy | Mercado Secundario | Mensual | |
| TWINO | 8.50% | 725.00 € | 1,432.00 € | — | +107.00 € | +600.00 € | IBF | Buy | Mercado Secundario |
Diario/ Mensual |
| LETSINVEST | 8.25% | 5,500.00 € | 5,500.00 € | — | — | — | ECSP | Hold | Variable | |
| ESTATEGURU | 6.11% | 2,700.00 € | 2,700.00 € | — | — | — | ECSP | Sell | Mercado Secundario | Variable |
| GO GROW BONDORA | 6.00% | 20,130.00 € | 20,224.00 € | 4 | +94.00 € | — | Buy | Liquidez Total | Diario | |
| BRICKSTARTER | 5.00% | 140.00 € | 142.00 € | — | +2.00 € | — | Sell | Mensual | ||
| CROWDSTATE | 4.00% | 300.00 € | 300.00 € | — | — | — | ECSP | Close | Fin Proy |
Video of the portfolio of October 2026
I explain the transactions and results for the month in detail
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Frequently Asked Questions
1. What do «Buy», «Sell», «Close» and «InvantLabs» mean in the table?
These are my plans for each platform over the coming months; they are not investment advice. Buy: I’m holding on to it and continuing to invest. Sell: I’ve stopped reinvesting and am withdrawing funds as the loans mature. Close: I’ve closed the position or am exiting entirely.
InvantLabs is my test bed: platforms where I invest a small amount to check for myself that they pay out, that withdrawals work and that the information is reliable, before committing any real capital to them. It is neither a licence nor a quality mark; it is simply a status of my portfolio.
2. How is «historical interest» calculated, and what does it include?
This is the average annualised return on the portfolio since I started investing, not the return for the month. That’s why it doesn’t change much between month-ends: each month adds a single data point to a long time series, and neither an exceptional month nor a poor one has much impact on the average. If you’re looking for the result for the month, you’ll find it in the interest received section of the statement.
It is calculated on the basis of the capital actually invested, weighted by the proportion of each platform, and includes the interest actually received. It does not take taxes into account, as these depend on each investor’s tax situation. In the table, each platform also shows its individual historical interest rate.
3. Why has the portfolio’s value fallen this month if you say you’ve made a profit?
Because the total value of the portfolio and the monthly return are two different things. The total value also goes up and down due to capital movements — deposits, withdrawals, tax payments, money I need for other things — and those movements are neither a gain nor a loss: they are simply my money coming in or going out.
The measure of whether I’ve made a profit is the organic return: the interest collected and accrued during the month. In the summary on this page, you’ll find the two figures listed separately – the total change and the interest for the month – precisely so that you can distinguish the cash flow result.
A month may end with a lower total capital balance and still have been profitable; this is usually the case when I withdraw money for other purposes. Profitability is measured by the returns generated by the loans, not by the balance.
4. Which platforms have I opened and closed this month, and why?
The month’s additions and removals are marked in the table: new entries are labelled «New» and removals are labelled «Close». The analysis above explains the specific reason for each change.
The approach is always the same. I start with a small amount, as a trial, and only increase my investment once the platform has proven that it pays on time and that withdrawals actually work. I pull out when warning signs appear — delays that are no longer one-offs, deteriorating information, unexplained changes — and never because of a single poor month.
Rotating things like this is part of the strategy, not a crisis: testing new platforms with limited capital is what enables you to spot the good ones before most people do, and to cut your losses in time on those that go wrong.
5. How can I check that this information is genuine?
Each month-end report includes a video going through the accounts one by one, with the balances displayed on screen on the balance sheet date. The figures in the table are taken from there: they are not estimates, nor are they the returns advertised by the platforms, which is where almost everything published in this sector comes from.
The cut-off date is always the same day of the month, so the figures are comparable with one another, and the historical data remains published exactly as it is, including the poor months. If anything doesn’t add up for you based on what you see in the video, let me know and I’ll correct it in the article itself.
Analysis of the portfolio of October 2026
What worked
Reinforcements and positions advancing:
The most important positive movement of October occurs in MINTOS. We added €1,500 and the balance goes from €2,417 to €3,923. The portfolio remains in a BUY perspective, labeled IBF, and secondary market is available.
We also increased INCOME MARKETPLACE With €600 in interest and €124 in fees, up to €3,534. TWINO It receives another 600 € and adds 107 € in interest, closing at 1,432 €. In both cases the outlook remains BUY; TWINO also retains the IBF label and the secondary market.
In LANDE We added 200 € and recorded 155 € in interest, reaching 6,555 €. 8LENDS This amounts to €160 in transaction fees and €83 in interest, up to €1,380. These are more contained increases, but consistent with the BUY orientation outlined in the portfolio.
Among the largest positions, LOANCH It retains second place and reaches €37,500 thanks to €265 in interest without any new contributions. DEBITUM It advances to €16,796 with €215 in interest and maintains its 7th place, while DEVON It reaches €16,672 with €192 in interest and remains eighth.
October also includes MILLEA As a new platform, with an initial position of €755. It falls within Invant LABS, without an indicated secondary market and with daily payment. We also see two operational changes in the table: AFRANGA y HIVE5 They go from not having a secondary market to appearing with a secondary market available.
Finally, ROBOCASH changes its perspective from SELL to BUY.
What didn’t work
Reductions and monitoring points
Net outflows weigh more than contributions during October. VIAINVEST It registers a withdrawal of €1,500; despite generating €164 in interest, the balance falls from €4,166 to €2,830 and the outlook remains SELL. LENDERMARKET a similar reading follows: we withdraw 850 €, plus 126 € in interest, and it ends at 5,924 €, also with a SELL perspective. FinBee reduce another 100 € and remain in SELL.
In ESKETIT We withdrew €600, so it drops to €4,800 despite recording €150 in interest. The outlook remains HOLD. FF FOREST It is relevant because, in addition to reducing €220, it changes from BUY to HOLD; it closes at €8,680 after adding €124 in interest.
There are other reductions that should not be interpreted automatically as problems. MACLEAR AG decreased to €15,558 following a movement of -1,600 €, MONEFIT up to €4,080 with -1,000 €, Lonvest up to €4,580 with -1,000 €, and HIVE5 up to €3,516 with -650 €.
Finally, VENTUS ENERGY It remains at CLOSE, with no movement or registered interest in October, and maintains €34,288. CROWDSTATE It also remains in CLOSE.
Outlook for the coming month
In Loanch, we will monitor how the promotional campaign progresses and what the balance stands at in December. We hope that the rewards will be close to €800 and that the balance will reach around €39,000–40,000 by the middle of that month, but these are expectations, not confirmed results. The capital tied up in the position will not be available before 1 December. We also intend to publish new analyses: in October, on TWINO Flexi; and later on, about Flow from Debitum and the development of Ventus Energy following the reorganisation. In ViaInvest We will continue to monitor outstanding payments and may reconsider returning if they return to normal. In the meantime, as the figure is close to €300,000, we are considering gradually reducing our exposure in crowdlending, without specifying any amounts or a timetable.
At the same time, we will continue to develop the new website, with more reviews and sections still to be added, including the academy and the multilingual experience.