July 2025

Mintos holds the top of the TopPulse index in July. Ener2Crowd enters at #18.

1. 00

   Before you pick a platform, start here

   What to look for, what to avoid, and how to read the numbers before you invest a single euro.

   Read the guide →
2. 01
   

   Mintos Reviewed by the TopPulse editorial team

   Riga, Latvia

   FCMC (Latvia)

   EUR 50
3. 02
   

   Maclear Reviewed by the TopPulse editorial team

   Zurich, Switzerland

   SRO PolyReg (Switzerland)

   EUR 50
4. 03
   

   PeerBerry Reviewed by the TopPulse editorial team

   Zagreb, Croatia

   Licensed (Croatia)

   EUR 10
5. 04
   

   EstateGuru Reviewed by the TopPulse editorial team

   Tallinn, Estonia

   ECSP (Estonia)

   EUR 50
6. 05
   

   8lends Reviewed by the TopPulse editorial team

   Zurich, Switzerland

   SRO VQF (Switzerland)

   EUR 10
7. 06
   

   Robocash Reviewed by the TopPulse editorial team

   Zagreb, Croatia

   Registered (Croatia)

   EUR 10
8. 07
   

   Indemo Reviewed by the TopPulse editorial team

   Riga, Latvia

   Investment firm license (Latvia)

   EUR 10
9. 08
   

   Twino Reviewed by the TopPulse editorial team

   Riga, Latvia

   ECSP / Investment firm license (Latvia)

   EUR 10
10. 09
    

    Nectaro Reviewed by the TopPulse editorial team

    Riga, Latvia

    ECSP (Latvia)

    EUR 10
11. 10
    

    Urbanitae Reviewed by the TopPulse editorial team

    Madrid, Spain

    CNMV (Spain)

    EUR 500
12. 11
    

    Lendermarket Reviewed by the TopPulse editorial team

    Dublin, Ireland

    Ireland-registered

    EUR 10
13. 12
    

    InRento Reviewed by the TopPulse editorial team

    Vilnius, Lithuania

    Bank of Lithuania

    EUR 500
14. 13
    

    HeavyFinance Reviewed by the TopPulse editorial team

    Vilnius, Lithuania

    Bank of Lithuania

    EUR 100
15. 14
    

    EvenFi Reviewed by the TopPulse editorial team

    Barcelona, Spain (licensed entity) / Bergamo, Italy (operating parent)

    CNMV (Spain) - ECSP authorisation, register no. 5

    EUR 20
16. 15
    

    Capitalia Reviewed by the TopPulse editorial team

    Riga, Latvia

    Latvijas Banka (ECSP)

    €200
17. 16
    

    Afranga Reviewed by the TopPulse editorial team

    Sofia, Bulgaria

    FSC Bulgaria (ECSP)

    €10 per loan
18. 17
    

    Civislend Reviewed by the TopPulse editorial team

    Madrid, Spain

    CNMV (ECSP no. 8)

    €250
19. 18
    

    Ener2Crowd Reviewed by the TopPulse editorial team

    Milan, Italy

    Consob (ECSP, delibera 22877)

    From €300

Under review

On our radar but not ranked this month. We are monitoring these and may include them as conditions change.

• Crowdpear Under editorial watch - limited track record
• Debitum Network Under editorial watch - insider margin concerns
• Hive5 Under editorial watch - loan originator risk
• Loanch Under editorial watch - management transparency concerns
• Reinvest24 Under editorial watch - multiple regulatory alerts