Actual results, cross-platform transactions and performance analysis.
Portfolio performance and transaction history
September 2026: our crowdlending portfolio grew to €292,659, with Loanch making strong progress and INDEMO once again leading the way.
My crowdlending portfolio, August 2026: it grew to €254,154 with greater diversification. We increased our investment in LOANCH and made our first investment in SILVALAND.
My Crowdlending portfolio, July 2026: we have reallocated €37,000 from BRICKFINANCE and updated the ranking. INDEMO leads with €33,535.
I explain the transactions and results for the month in detail
30$ on your first investment + 6% cashback in 8lends tokens.
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.
Up to an additional 8% (6% + an additional 2% during the first 90 days).
€10 cashback when you invest at least €200 (5% cashback on €200).
Up to an additional 3% during the first 90 days.
Cashback campaign pending + an additional 1% during the first 30 days.
Up to 3% Cashback + 1% additional during the first 60 days.
15 euros for signing up to the platform.
Crowdlending can offer double-digit returns, well above those of a savings account, with interest paid monthly rather than having to wait years. However, the figure you end up receiving isn’t the one advertised: the actual return is what remains after defaults, fees and the capital that sits uninvested for days.
That difference is not a reason not to invest; it is the reason to choose wisely: the gap between what is advertised and what is actually paid out varies enormously from one platform to another, and that is where you really stand to gain or lose profitability.
That is why I publish my actual returns rather than an estimate. In the metrics on this page, you can see my historical interest earnings on invested equity, and in the portfolio history, the breakdown of interest received month by month from the very beginning. Every figure is verifiable.
Yes, you can lose money, and it’s happened to me. In crowdlending, there is no Deposit Guarantee Scheme: if a borrower defaults or a platform goes under, that capital is lost either partly or in full. It’s part of the game, and you need to be aware of this before you invest, not afterwards.
It’s also worth noting the overall result: those one-off losses haven’t prevented the portfolio from generating a sustained return. When you spread your investments well, an isolated setback is offset by the interest that continues to come in from the other platforms. That is exactly the point of diversification, and it works.
I publish each case, including names and figures, at the end of the month in which it occurs, and I do not remove those articles afterwards. A return that only takes the good months into account means nothing.
I spread my investments across many platforms, but never in equal proportions. The weighting given to each is determined by the interplay of two criteria: soundness and profitability: large positions are allocated where both criteria coincide – licensing and collateral on the one hand, and a return that offsets the risk taken on the other.
When only one condition is met, the weighting is reduced. A platform offering high returns but which has not yet proven its reliability should be invested in with a small amount until it has done so; a very solid platform offering low returns should be retained in the portfolio without concentrating capital on it, because security also comes at a cost and it is important to know how much you are paying for it.
And diversification here means doing so on three levels simultaneously: platform, originator and loan. Spreading investments across twenty platforms that all rely on the same originator does not constitute diversification. The exact, up-to-date breakdown is set out in the table for each monthly closing.
I exit based on technical signals, never because of a bad month. The factors that lead me to reduce or close a position are: payment delays that are no longer occasional, information that deteriorates or disappears, unexplained changes in shareholding or structure, loan portfolio growth outpacing the team’s ability to manage it, and evasive answers when asked direct questions.
When a signal appears, I first stop reinvesting and withdraw funds as the loans mature; I only close the position completely if the signal is confirmed. Exiting in stages helps avoid making decisions in the heat of the moment and almost always allows me to recover the full capital.
It’s worth putting this into context: the vast majority of platforms do not trigger any of these signals and remain in the portfolio for years. Exiting is the exception, not the norm. At the end of each month, I explain the exits for that month and the specific reason behind them.
Interest earned from foreign platforms is taxed in Spain as investment income and is included in the savings allowance for personal income tax purposes. They must be declared at their gross value, even if the platform does not deduct tax at source and even if you do not repatriate the money to Spain: the obligation arises from the fact that the income has accrued, not from whether it has been credited to your bank account.
If tax has been withheld at source, you can claim the international double taxation relief so that you do not pay twice. And if your assets and rights abroad exceed €50,000, you must submit Form 720 by 31 March: it is a self-assessment form, you do not have to pay anything, but it is compulsory. This is my experience as an investor, not tax advice.
Compare all the platforms, get bonuses and start earning