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World P2P map: platforms and loan originators by country

Beta version. A wrong or missing headquarters, country or loan originator? Let me know in a YouTube comment, on Telegram, on social media or via the Contact page.

Where are P2P lending and crowdfunding platforms based, and in which countries do the loan originators listed on them lend? Click a country to see the details.

Hover over or click a country

Zimbabwe — No data for this country with these filters.Zambia — No data for this country with these filters.Yemen — No data for this country with these filters.Vietnam — No data for this country with these filters.Venezuela — No data for this country with these filters.Vatican City — No data for this country with these filters.Vanuatu — No data for this country with these filters.Uzbekistan — No data for this country with these filters.Uruguay — No data for this country with these filters.Micronesia — No data for this country with these filters.Marshall Islands — No data for this country with these filters.MP — No data for this country with these filters.VI — No data for this country with these filters.GU — No data for this country with these filters.AS — No data for this country with these filters.Puerto Rico — No data for this country with these filters.United States — 1 platformGS — No data for this country with these filters.IO — No data for this country with these filters.SH — No data for this country with these filters.PN — No data for this country with these filters.AI — No data for this country with these filters.FK — No data for this country with these filters.Cayman Islands — No data for this country with these filters.Bermuda — No data for this country with these filters.British Virgin Islands — No data for this country with these filters.TC — No data for this country with these filters.MS — No data for this country with these filters.Jersey — No data for this country with these filters.Guernsey — No data for this country with these filters.Isle of Man — No data for this country with these filters.United Kingdom — 4 loan originatorsUnited Arab Emirates — 1 loan originatorUkraine — 2 loan originatorsUganda — No data for this country with these filters.Turkmenistan — No data for this country with these filters.Türkiye — No data for this country with these filters.Tunisia — No data for this country with these filters.Trinidad & Tobago — No data for this country with these filters.Tonga — No data for this country with these filters.Togo — No data for this country with these filters.Timor-Leste — No data for this country with these filters.Thailand — No data for this country with these filters.Tanzania — No data for this country with these filters.Tajikistan — No data for this country with these filters.Taiwan — No data for this country with these filters.Syria — No data for this country with these filters.Switzerland — 1 platformSweden — 2 loan originatorsEswatini — No data for this country with these filters.Suriname — No data for this country with these filters.South Sudan — No data for this country with these filters.Sudan — No data for this country with these filters.Sri Lanka — 2 loan originatorsSpain — 12 loan originatorsSouth Korea — No data for this country with these filters.South Africa — 1 loan originatorSomalia — No data for this country with these filters.Solomon Islands — No data for this country with these filters.Slovakia — 1 loan originatorSlovenia — No data for this country with these filters.Singapore — No data for this country with these filters.Sierra Leone — No data for this country with these filters.Seychelles — No data for this country with these filters.Serbia — No data for this country with these filters.Senegal — No data for this country with these filters.Saudi Arabia — No data for this country with these filters.São Tomé & Príncipe — No data for this country with these filters.San Marino — No data for this country with these filters.Samoa — No data for this country with these filters.St. Vincent & Grenadines — 1 platformSt. Lucia — No data for this country with these filters.St. Kitts & Nevis — No data for this country with these filters.Rwanda — No data for this country with these filters.Russia — No data for this country with these filters.Romania — 1 platform · 11 loan originatorsQatar — No data for this country with these filters.Portugal — 1 platformPoland — 10 loan originatorsPhilippines — 5 loan originatorsPeru — 2 loan originatorsParaguay — No data for this country with these filters.Papua New Guinea — No data for this country with these filters.Panama — No data for this country with these filters.Palau — No data for this country with these filters.Pakistan — No data for this country with these filters.Oman — No data for this country with these filters.Norway — No data for this country with these filters.North Korea — No data for this country with these filters.Nigeria — No data for this country with these filters.Niger — No data for this country with these filters.Nicaragua — No data for this country with these filters.New Zealand — No data for this country with these filters.NU — No data for this country with these filters.CK — No data for this country with these filters.Netherlands — 2 loan originatorsAruba — No data for this country with these filters.Curaçao — No data for this country with these filters.Nepal — No data for this country with these filters.Nauru — No data for this country with these filters.Namibia — No data for this country with these filters.Mozambique — No data for this country with these filters.Morocco — No data for this country with these filters.EH — No data for this country with these filters.Montenegro — No data for this country with these filters.Mongolia — No data for this country with these filters.Moldova — 6 loan originatorsMonaco — No data for this country with these filters.Mexico — 3 loan originatorsMauritius — No data for this country with these filters.Mauritania — No data for this country with these filters.Malta — No data for this country with these filters.Mali — No data for this country with these filters.Maldives — No data for this country with these filters.Malaysia — 3 loan originatorsMalawi — No data for this country with these filters.Madagascar — No data for this country with these filters.North Macedonia — 2 loan originatorsLuxembourg — 1 platformLithuania — 3 platforms · 5 loan originatorsLiechtenstein — No data for this country with these filters.Libya — No data for this country with these filters.Liberia — No data for this country with these filters.Lesotho — No data for this country with these filters.Lebanon — No data for this country with these filters.Latvia — 11 platforms · 8 loan originatorsLaos — No data for this country with these filters.Kyrgyzstan — No data for this country with these filters.Kuwait — No data for this country with these filters.Kosovo — No data for this country with these filters.Kiribati — No data for this country with these filters.Kenya — 2 loan originatorsKazakhstan — 5 loan originatorsJordan — No data for this country with these filters.Japan — No data for this country with these filters.Jamaica — No data for this country with these filters.Italy — 1 platformIsrael — No data for this country with these filters.Palestinian Territories — No data for this country with these filters.Ireland — 1 platformIraq — No data for this country with these filters.Iran — No data for this country with these filters.Indonesia — 3 loan originatorsIndia — No data for this country with these filters.Iceland — No data for this country with these filters.Hungary — No data for this country with these filters.Honduras — No data for this country with these filters.Haiti — No data for this country with these filters.Guyana — No data for this country with these filters.Guinea-Bissau — No data for this country with these filters.Guinea — No data for this country with these filters.Guatemala — No data for this country with these filters.Grenada — No data for this country with these filters.Greece — No data for this country with these filters.Ghana — No data for this country with these filters.Germany — No data for this country with these filters.Georgia — No data for this country with these filters.Gambia — No data for this country with these filters.Gabon — No data for this country with these filters.France — 26 platformsPM — No data for this country with these filters.WF — No data for this country with these filters.MF — No data for this country with these filters.BL — No data for this country with these filters.PF — No data for this country with these filters.NC — No data for this country with these filters.TF — No data for this country with these filters.AX — No data for this country with these filters.Finland — 2 loan originatorsFiji — No data for this country with these filters.Ethiopia — No data for this country with these filters.Estonia — 10 platforms · 5 loan originatorsEritrea — No data for this country with these filters.Equatorial Guinea — No data for this country with these filters.El Salvador — No data for this country with these filters.Egypt — No data for this country with these filters.Ecuador — No data for this country with these filters.Dominican Republic — No data for this country with these filters.Dominica — No data for this country with these filters.Djibouti — No data for this country with these filters.GL — No data for this country with these filters.Faroe Islands — No data for this country with these filters.Denmark — 2 loan originatorsCzechia — 2 platforms · 3 loan originatorsCyprus — No data for this country with these filters.Cuba — No data for this country with these filters.Croatia — 7 platforms · 1 loan originatorCôte d’Ivoire — No data for this country with these filters.Costa Rica — No data for this country with these filters.Congo - Kinshasa — No data for this country with these filters.Congo - Brazzaville — No data for this country with these filters.Comoros — No data for this country with these filters.Colombia — 1 loan originatorChina — No data for this country with these filters.Macao SAR China — No data for this country with these filters.Hong Kong SAR China — No data for this country with these filters.Chile — No data for this country with these filters.Chad — No data for this country with these filters.Central African Republic — No data for this country with these filters.Cape Verde — No data for this country with these filters.Canada — 1 loan originatorCameroon — No data for this country with these filters.Cambodia — No data for this country with these filters.Myanmar (Burma) — No data for this country with these filters.Burundi — No data for this country with these filters.Burkina Faso — No data for this country with these filters.Bulgaria — 1 platform · 10 loan originatorsBrunei — No data for this country with these filters.Brazil — No data for this country with these filters.Botswana — No data for this country with these filters.Bosnia & Herzegovina — No data for this country with these filters.Bolivia — No data for this country with these filters.Bhutan — No data for this country with these filters.Benin — No data for this country with these filters.Belize — No data for this country with these filters.Belgium — No data for this country with these filters.Belarus — No data for this country with these filters.Barbados — No data for this country with these filters.Bangladesh — No data for this country with these filters.Bahrain — No data for this country with these filters.Bahamas — No data for this country with these filters.Azerbaijan — No data for this country with these filters.Austria — No data for this country with these filters.Australia — No data for this country with these filters.HM — No data for this country with these filters.NF — No data for this country with these filters.Armenia — No data for this country with these filters.Argentina — No data for this country with these filters.Antigua & Barbuda — No data for this country with these filters.Angola — No data for this country with these filters.Andorra — No data for this country with these filters.Algeria — No data for this country with these filters.Albania — No data for this country with these filters.Afghanistan — No data for this country with these filters.SX — No data for this country with these 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Why check where your platforms and loan originators are?

When you invest €100 on a P2P lending platform, your money actually depends on two countries: the one where the platform is headquartered, and the one where the borrower who repays the loan lives. They are almost never the same. A Latvian platform can offer you loans granted in Kazakhstan, the Philippines or Mexico by a loan originator based in Cyprus. This map shows both geographies at a glance.

The platform's headquarters: the law that protects your money

The country of the headquarters determines the regulator overseeing the platform, the rules for segregating your money and what happens if it goes bankrupt. In the European Union, crowdfunding platforms have been regulated by the European ECSP regulation since November 2023, and some P2P lending platforms hold an investment firm licence. A platform based outside the European Union does not offer these safeguards.

The map also reveals a concentration: a large share of P2P lending platforms is based in the Baltic states (Latvia, Estonia, Lithuania). Having five platforms in the same country means depending on the same regulator and the same ecosystem.

The loan originators' country: the real economic risk

The interest you earn comes from borrowers. Their ability to repay depends on their country's economy: inflation, currency devaluation, a new law capping consumer credit rates, political crisis. A 12% return on loans granted in a fragile country pays you for that risk, it does not remove it.

2022 proved it: with the war in Ukraine, loan originators active in Russia and Ukraine suspended repayments, and investors waited months to recover part of their money, even though their platforms were European. A buyback guarantee is only as strong as the loan originator that gives it.

Diversify by country too

People often talk about diversifying across platforms; you also need to diversify across countries, at two levels:

  • Headquarters country: spreading your capital across platforms based in different countries limits the impact of a regulatory change or a failing regulator.
  • Lending country: avoid letting a single borrower country weigh too heavily in your portfolio, and check whether several loan originators belong to the same group (a group active in six countries is still one single bankruptcy risk).
  • Currency: a euro loan in the eurozone does not carry the same risk as a loan in tenge or pesos, even if the platform shows it to you in euros.

How to use this map

  • All / Platforms / Loan originators: choose what the map counts in each country. The darker the country, the more there are.
  • Categories: P2P lending, real estate crowdfunding or fractional real estate.
  • Exposure of a platform: pick your platform to see in which countries its loan originators lend.
  • Hover over or click a country: the details appear to the right of the map, with the platforms based there and the loan originators lending there.

Where the data comes from

Each platform's headquarters comes from its legal notice and official company registers. The loan originators' lending countries come from the profiles published by the platforms and from the companies' own websites. The map counts platforms and companies, not amounts: a country with one large loan originator can weigh more than a country with five small ones. This information is educational and is not investment advice.