- Monthly Update
Crowdlending investment portfolio - April 2026
Actual results, cross-platform transactions and performance analysis.
Crowdlending Investment Portfolio
Portfolio summary
April 2026 was a month of decisions to optimize our capital to the fullest extent. The portfolio grew by €22,000, reaching €214,000 in regulated and non-regulated platforms. We detected several temporary deficiencies and took advantage of extraordinary yield windows of 52% and 31% APR in just one month thanks to y Loanch Debitum Investments. Sharing this evolution transparently is key for our community to diversify with discretion and maximize their returns.
Monthly comparison by platform
Breakdown of investments, returns and changes by platform
| Platform | Historical Yield | March 2026 | April 2026 | Ranking | Yield | Movement | Regulated | Future | Liquidity | Accrual |
|---|---|---|---|---|---|---|---|---|---|---|
| InvantLabs | Mercado Secundario | Mensual | ||||||||
| IBF | Buy | Fin Proy | ||||||||
| Buy | Early Exit | Diario | ||||||||
| ECSP | Buy | Mercado Secundario | Mensual | |||||||
| Close | Diario | |||||||||
| Buy | Early Exit | Diario | ||||||||
| Suiza | Buy | Mercado Secundario | Mensual | |||||||
| ECSP | Sell | Mensual | ||||||||
| ECSP | Buy | Mensual | ||||||||
| InvantLabs | Mensual | |||||||||
| Buy | Early Exit | Diario | ||||||||
| Sell | Mercado Secundario | Mensual | ||||||||
| Buy | Early Exit | Diario | ||||||||
| InvantLabs | Mensual | |||||||||
| ECSP | Buy | Mensual | ||||||||
| IBF | Buy | Mensual | ||||||||
| Buy | Mensual | |||||||||
| IBF | Buy |
Diario/ Mensual |
||||||||
| Buy | Mensual | |||||||||
| Buy | Liquidez Total | Diario |
Video of the portfolio of April 2026
I explain the transactions and results for the month in detail
Make the most of our welcome bonuses
8lends
30$ on your first investment + 6% cashback in 8lends tokens.
Afranga
Prize draw on 31 October for 3 prizes of €3,000, €2,000 and €1,000, plus an additional 0.5% for the first 90 days.
Asterra Estate
Up to an additional 8% (6% + an additional 2% during the first 90 days).
Bienpreter
€10 cashback when you invest at least €200 (5% cashback on €200).
Crowdpear
Up to an additional 3% during the first 90 days.
Debitum
Cashback campaign pending + an additional 1% during the first 30 days.
Devon
Up to 3% Cashback + 1% additional during the first 60 days.
Digilo
15 euros for signing up to the platform.
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 April 2026
What worked
Promotions and defensive pillars of the period
- LoanchThird place with €26,607. An injection of €10,000 after resolving their payment issues. We captured 52% monthly TAE by combining their cashback 3%rd and 16%th loans.
- MonefitTop 4 with 17,453 € in Smart Saver at 7.5% APY.
- BondoraStrategic withdrawal of €9,000 to move capital to high-yield windows. We value its corporate restructuring and maintain Go & Grow as a pillar of future liquidity (target €40,000 -- €50,000).
- Esketit: Capture of 31% monthly TAE Thanks to its cashback 1.5% and Malaysia loans of 13% to 22 days.
- Maclear AGTop 7 with €13,060. Close to Beta Plus status and returns of up to 26% bonoper tranche.
- Asterra Estate: sixth position with his factory project (14% points + 6% refunds).
- Debitum: +2,000 € with an extra 4,5% in bonuses.
- Lande: strong purchases due to their agricultural campaigns with rising rates and low LTVs.
- ModenaPosition multiplied by x10 up to €1,040 to capture bonus your €25
What didn’t work
Movements of departure and loss of competitiveness
- Swaper and Crowdpear: Total exit due to performance cuts that no longer fit our goals.
- Devon e Indemo: Temporary pause in purchases to redirect all free capital towards more profitable promotional opportunities.
- Loanch and Asterra Estate: absolute priority to capture market inefficiencies and avoid idle capital.
Outlook for the coming month
Plan for the next few weeks
- Fiscal calendar as a priorityWe are facing the income campaign (April 8–June 30) and will use the immediate liquidity of and Bondora Monefit for covering payments without affecting the portfolio.
- Operational updatesWe will release in-depth videos of Modena y and completely Viainvest renew the website to professionalize the design.
- IndemoWe will increase fixed exposure to take advantage of their cashback staggered campaign up to 5%, and the arrival of Autoinvest 2.0.
- Market visionWe maintain a very positive perspective on the Spanish real estate market due to the shortage of supply.
- New premium operatorsWe will begin testing in LetsInvest (8% regulated), and Income Marketplace Valvest IO, closely following the “vault war” that favors the investor.