The Best Lending Platforms for Investors

P2P loans are becoming increasingly popular in Brazil. One of the biggest reasons is the lower interest rate for borrowers, but this is not the only point that is contributing to the popularization of this financial modality. Briefly, a P2P (or peer to peer ) loan is a kind of collective loan without a bank – hence the lowest interest rate. Two parties are involved in the process: the borrowers and the investors.

For you to understand better, the borrowers are usually legal people, but also physical in some cases, who are in search of financial resources. Investors are individuals who have the money to invest and seek good profitability. So, in this modality, it is not a bank or a financial institution that makes the loan, but a real person: the investor.

It was in 2011 that P2P loans began to grow in our country and today some companies in the sector are already well established. Remember that it is not the company that makes the loan, but the investor. These companies, also called platforms, then only do the intermediate between the borrower and the investor.

What are the advantages and risks of investors?

What are the advantages and risks of P2P for investors?

Banks and investment funds guide their investors about their solutions, but pay much more attention to fees and interest rates than to the product, which is the most important in this modality, either through internal policies or even conflicts of interest. In a P2P loan this does not happen. It is the investor who chooses and directly controls their investments, accessing a portfolio of companies that seek financing and can decide on what to invest.

However, as with any other investment, peer-to-peer lending also risks investor and consumer credit default, although it is lower than in other types of higher-interest credit. However, investing in P2P loans brings many advantages to the investor such as excellent annual returns and great diversity of options to invest.

From this perspective, the portfolio of a peer to peer investor becomes essential for it to have good results. It is necessary to balance risk and profitability in order to guarantee the expected performance. The portfolio of a good peer to peer investor should consist of both more traditional and secure investments as well as more innovative and profitable options.

The 3 best loan platforms for investors

The 3 best loan platforms for investors

The idea of peer-to-peer platforms is to connect companies and individuals to investors with the least possible bureaucracy, without abusive fees, 100% online, quickly, securely and efficiently. Today, we will present the main P2P loan platforms focusing on the investor experience.

Next, you check out the top peer to peer lending platforms in Brazil and what an investor needs to know about them.


Nexoos is one of the best options for investors who want to complete their investment portfolio. More than R $ 25 million have already been financed by the investors of the platform that strongly supports entrepreneurship and small and medium enterprises in Brazil.

Check out the main features:

  • Return variation under investment: from 18% to 36% per year
  • Monthly payments: yes
  • 100% online
  • Minimum investment amount per company: R $ 2,000.00
  • Possibility to choose the companies to invest: yes

Connect, simplify and improve your financial life. This is the proposal of Biva. The investor can control all your finances from wherever you want in a friendly and robust online control panel. To date, the platform has already granted more than R $ 35 million in loans and has more than 10 thousand registered investors.

Analyze the main characteristics of Biva:

  • Return variation under investment: from 22% to 25% per year
  • Monthly repayments: yes
  • 100% online
  • Minimum investment amount per company: R $ 5,000.00 for new investors and R $ 2,000.00 for investors who have already added at least R $ 10,000.00 invested in Biva

Tutu Digital

In order to innovate in the area of ​​financial services and to make the investment market more efficient, Tutu Digital also bets on P2P loans and seeks to impact, mainly, micro and small companies, which now represent around 51% of the country’s wage bill.

See how Tutu Digital works:

  • Variation of return under investment: up to 200% of CDI
  • Monthly repayments: yes
  • 100% online
  • Minimum investment value per company: R $ 1,000.00

Final considerations

Final considerations

Savings, Treasury Law and CBD are the most common investment options. The average annual yields are 9%, 14% and 13%, respectively. Any P2P loan platform offers higher returns and, consequently, lower default risks.

In peer-to-peer loans, both borrowers and investors gain. The first group benefits from lower rates and the second group has larger returns.

This type of credit doubled in volume between 2015 and 2016 and is expected to increase its size by 2020. If you are an investor looking for an excellent option to increase your profits, try P2P loans today!