Review of Lonvest

Top 2 Liquidity
Updated | November 2026

*Independent analysis and review: P2P crowdfunding, yield, security, and default risks.

Yield
Up to 14%
Type
P2P Private Individuals
Risk
(4/10)
High
Liquidity
Total
Regulated
No
Country
Croatia

InvantAPPs score

83/100
  • Very good
Visit Lonvest

Breakdown by Category

Detailed scores for each area assessed

 0/20 
Significance within its sector
 0/10 
Ease of use and mobile app
 0/10 
Compound interest payable
 0/10 
Welcome bonus and referral bonus
 0/10 
Tax-friendly
 0/10 
Investment liquidity
 0/30 
Returns and fees

Features

Minimum investment:
50,00 €
Regulation:
Unlicensed
Withdrawal fee:
Free
Payment methods:
Instantaneous · SEPA
Type of investor:
Private individual/Business
Suitability test:
No
Geographical exclusions:
Excludes the USA and other countries

Platform statistics

Assets under management
0,00 €
Updated: November 2026
1118
Investors

3

Years in active service
2023
Founded
Loans financed:
4.266.868,00 €
Average interest:
11.8%
Audited accounts:
No

InvantAPPs Portfolio

  • Active Investment
Total portfolio:
4.580,00 €

TIR:

13.75%
From:
September 2024
My current investment
View My Portfolio
Roll in a wallet:
Liquidity

Security: A regulated platform or one with a long track record in the sector.

Liquidity: A platform where funds can be withdrawn quickly.

Returns: A platform offering high returns but carrying a higher level of risk.

Suggested allocation:
3
-6

%

Percentage of the total recommended portfolio capital.

Dedication:
Bass

Required active management time.

Surveillance:
Long term

Long term = No worries.

Short-term = Something to watch out for.

Active alert = Immediate attention.

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Videos about Lonvest

https://youtu.be/tFbODVl0rIM
https://youtu.be/pGgLCy9hn7g
https://youtu.be/_eOSDAJblVE

Taxation

Withholding tax:
It does not retain
Tax-friendly:
Yes
Model 720:
No
Income Tax Category:
Share capital
Tax certificate:
Yes
▸ Lonvest does not withhold taxes at source, so you declare the interest yourself. From your account, you can generate a tax report for the period of your choice. Your terms indicate that calculating and paying the taxes is your responsibility.
Learn more about model 720

Liquidity

Second-hand market:
Early exit:
Yes
Type of early exit:
Total
Penalty for early exit:
No commission (the accumulated interest is lost)
Average loan term:
1-12 months
Time to settle:
Up to 7 working days
▸ You can request an early withdrawal without commission: you recover the capital in your balance, but you lose the accumulated interest. Its terms are subject to the originator accepting it. There is no secondary market among investors: you can only sell a complete loan to the originator. The transfer to your bank may take up to 7 business days. According to Lonvest, there is a weekly limit on withdrawing funds on a personal account.

Yield

Stated return:
Up to 14%
Self-investment:
Yes
Payment frequency:
On maturity

Regulation

  • Unregulated
License:
Unlicensed
The platform does not have its own financial authorization nor is it subject to the supervision of a financial authority as an investment platform. There is also no compensation system in case of failure.
▸ Lonvest has no financial license; its activity is not supervised by a financial regulator. Lonvest Platform d.o.o., registered in Croatia with number 081501022 and headquartered in Zagreb, is the company operating the platform. Its terms are governed by Croatian and EU law. There is no investor compensation system in place.
Learn more about regulation

Guarantees and risk mitigation

A) Type of guarantee
There are no assets or third-party guarantees securing the loan. The only means of recovery in the event of default is to make a claim directly against the borrower.
  • Without security
▸ No loan has a real guarantee in your favor. According to Lonvest, if a loan is delayed for more than 90 days, the originator must repurchase it. Its terms make it a right of the originator, which is only obliged if the originator is insolvent or fails to fulfill their agreement with Lonvest. Lonvest also announces a guarantee from SpaceCrew Finance for when an originator is unable to repurchase, and warns that force majeure could affect both. That guarantee is not included in the contracts. The capital is not guaranteed.
B) Stress scenario
Your uninvested funds are kept separate from those on the platform. Your loans are contracts with the originator, not with Lonvest. The terms do not explain what would happen with the payments if the platform closed; you would therefore depend on the originators to continue paying.
▸ If a borrower defaults, the originator manages the collection without you having to intervene, and Lonvest is not responsible for your investment. Lonvest announces the buyback starting from 90 days of delay, but the contracts only oblige the originator if they are insolvent or fail to comply with Lonvest. If the originator and the group fail, the collection depends on what is recovered from the borrowers.
C) Additional guarantees

The originator undertakes to buy back the loan from you if the borrower is more than X days in arrears, repaying you the principal and interest. This is subject to the originator remaining solvent.

Buyback

Yes
(90 days)
Originator

A financial buffer that the platform sets aside from its own commission to cover defaults before they affect you. Its effectiveness depends on its actual size relative to the total amount lent.

Reserve fund

No

The originator invests a portion of its own capital in the same loan or portfolio alongside the investors, thereby aligning its interests with those of the investors in ensuring that the loan is repaid in full.

Skin in the game

Yes

Your uninvested money is held in an account separate from the company’s balance sheet, at a bank or regulated payment institution. If the platform goes bankrupt, that money is not included in the distribution to its creditors.

Segregation of accounts

Yes
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InvantAPPs Summary

What is Lonvest?

Lonvest is a Croatian platform, founded in 2023, to invest in consumer and originator loans in Mexico, Malaysia, and Singapore. You choose the country and the term, and you collect capital and interest at maturity. You can exit before the maturity without a fee, although you forgo the accumulated interest. Lonvest does not have a financial license; its activity is not supervised by a financial regulator. In our scale, Lonvest has a moderate-high risk.

https://youtu.be/pGgLCy9hn7g

Lonvest has been operating since 2023. The company operates Lonvest Platform d.o.o., in Zagreb, and according to Lonvest all its founders belong to the SpaceCrew Finance group. It buys consumer loans in Mexico and Malaysia and business loans in Singapore: in practice, it buys the right to collect them. You choose the country and term, from 30 days to a year, and you can reinvest at maturity automatically.

According to Lonvest, if a loan is delayed for more than 90 days, the originator must repurchase it. Its terms make it a right of the originator, which is only obliged if they are insolvent or fail to fulfill their agreement with Lonvest. Lonvest also announces a group guarantee for when an originator is unable to repurchase, but it is not included in its terms. The originator manages the collection of defaults without you having to intervene.

Lonvest does not have a financial license; its activity is not supervised by a financial regulator. There is no investor compensation system in place. Your uninvested funds are kept separate from those of the platform.

You can request an early withdrawal without commission: you recover the capital in your balance, but you lose the accumulated interest. Its terms are subject to the originator accepting it. There is no secondary market among investors: you can only sell a complete loan to the originator itself. Thus, the capital does not depend on another investor buying it.

Everything rests on a single group: the buyback and its guarantee depend on the solvency of SpaceCrew Finance. These are short-term loans in emerging markets, on a platform with little track record. Moreover, you do not receive payments during the term: capital and interest arrive together at the end.

Withdrawal of funds is free. The transfer to your bank may take up to 7 business days and, according to Lonvest, there is a weekly limit on withdrawals per account. Lonvest does not withhold taxes at source; you generate the tax report from your account.

We started investing in Lonvest in 2024. In our scale, Lonvest has a moderate-high risk profile. Its strength is its ability to exit without touching the capital; its lack of financial license and dependence on a single group limit its liquidity position to a small one.

Key points

Early withdrawal without commission that returns all the capital.
Uninvested funds are separate from those on the platform.
No financial license or investor compensation system.
All loans are dependent on companies of SpaceCrew Finance.
Capital and interest are charged together at maturity.

Pros and cons

Early withdrawal without commission: you recover all the capital, although you lose the accumulated interest.
Buyback of loans with more than 90 days of delay, according to Lonvest.
Your uninvested funds are kept separate from those of the platform.
Withdrawal of funds is free.
The originator retains a portion of each loan, according to Lonvest, so they risk their own money.
It has no financial license or compensation system for the investor.
All the originators are from the SpaceCrew Finance group, to which the buyback and the guarantee are dependent.
Its terms establish the buyback as a right of the originator, and the group's guarantee is not included in them.
The interest is paid at maturity, with no payments during the term.

Experience and social proof

Trustpilot

28 Reviews
3.9/5
See Review

ScamAdviser

0%
Trust score: 56/100
View Analysis
Updated: November 2026

Social media activity

🟡 Not very active
🟡 Not very active
🔵 Active
🟡 Not very active
  • Instagram
⚪ No profile
🟡 Not very active

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Frequently Asked Questions

Is Lonvest safe?

Lonvest does not have a financial license; its activity is not supervised by a financial regulator. The group's buyback and guarantee depend on companies from SpaceCrew Finance. In our scale, Lonvest has a moderate-high risk.

How much should I invest in Lonvest?

We recommend allocating between 3% and 6% of your crowdlending portfolio as a liquidity position. According to Lonvest, withdrawals have a weekly limit, so a large withdrawal is spread over several weeks.

How to declare Lonvest's interests in the IRPF?

Interest is taxed as capital gains in the basis of the IRPF savings, with progressive rates depending on the bracket. Lonvest does not withhold taxes at source, so you declare the interest yourself. You can download a tax report from your account. If the 720 form applies to you, consult an advisor.

What happens if Lonvest closes?

Your uninvested funds are kept separate from those of the platform. Your loans are contracts with the originator, not with Lonvest, so collection would depend on whether the originator continued to pay. Their terms do not detail how collections would be handled if the platform closed.

How does the early departure work at Lonvest?

You request a withdrawal from your account and the capital is returned to your balance without any fees, but you lose the accumulated interest. Its terms and conditions require the originator to accept it. After that, you can withdraw the balance or reinvest it.

What happens if a Lonvest originator goes bankrupt?

If a lender is insolent, they are obliged to buy back your loans. According to Lonvest, if they couldn’t, other SpaceCrew Finance companies would take over their debts; that guarantee is not included in the contracts. Without that backing, collection depends on what is recovered from the lender.

Contact and support

Email: info@lonvest.com
  • High accessibility
They provide service in Spanish:
Yes
Live chat:
Yes
Telegram:
No
Rating:
4/5
Response time:
1–24 hours
Official FAQ:
See the FAQs

Corporate identity

Legal name:
Lonvest Platform d.o.o. for services
Country of registration:
Croatia
Registration code:
081501022
Registered office:
Lovinčićeva ulica 3, Zagreb, Croatia
Work email:
info@lonvest.io

Regulation and equipment

Licence type:
Unlicensed
Management team
CEO and founder
Roman Katerynchyk
Chief Financial Officer
Nataliya Holyak
Chief Operating Officer
Kate Devyatkina
Verified profiles:
Yes
  • The information is taken from public sources and may not be up to date. Always check the official website.

About the author

Antonio Hernández – Founder of InvantApps

Antonio Hernández

Engineer, economist and founder of Invant APPs. I help you achieve financial freedom through smart investing and passive income.

About Me

Legal notice

Investing in crowdlending and crowdfunding involves risks, including the partial or total loss of the capital invested, and past performance is no guarantee of future results. The content on this site is for information purposes only and reflects our personal experience and opinion: it does not constitute financial or tax advice. Some links are affiliate links; the platform pays us a commission, which does not incur any cost to you nor does it influence our analysis.

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