October 2026

October brings a quiet reshuffle rather than a shake-up. Mintos and Maclear hold the top two for another month, 8lends edges past EstateGuru into fourth on steadier reporting, and Twino moves ahead of Indemo on cleaner recovery data. Urbanitae climbs into the top ten as its funded-project pipeline widens. Lower down, Capitalia, Raize, Esketit and Swaper each gain a place. None of the moves reflects a change in regulatory standing, only month-to-month execution.

1. 00

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

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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
   

   8lends Reviewed by the TopPulse editorial team

   Zurich, Switzerland

   SRO VQF (Switzerland)

   EUR 10
6. 05
   

   EstateGuru Reviewed by the TopPulse editorial team

   Tallinn, Estonia

   ECSP (Estonia)

   EUR 50
7. 06
   

   Robocash Reviewed by the TopPulse editorial team

   Zagreb, Croatia

   Registered (Croatia)

   EUR 10
8. 07
   

   Twino Reviewed by the TopPulse editorial team

   Riga, Latvia

   ECSP / Investment firm license (Latvia)

   EUR 10
9. 08
   

   Indemo Reviewed by the TopPulse editorial team

   Riga, Latvia

   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
20. 19
    

    GoParity Reviewed by the TopPulse editorial team

    Lisbon, Portugal

    CMVM (ECSP)

    EUR 20
21. 20
    

    Housers Reviewed by the TopPulse editorial team

    Madrid, Spain

    CNMV (ECSP no. 13)

    EUR 300 per project
22. 21
    

    InSoil Reviewed by the TopPulse editorial team

    Vilnius, Lithuania

    Bank of Lithuania (ECSP)

    EUR 100
23. 22
    

    Lande Reviewed by the TopPulse editorial team

    Riga, Latvia

    Latvijas Banka (ECSP)

    EUR 50
24. 23
    

    Raize Reviewed by the TopPulse editorial team

    Lisbon, Portugal

    CMVM (ECSP)

    EUR 20
25. 24
    

    Profitus Reviewed by the TopPulse editorial team

    Vilnius, Lithuania

    Bank of Lithuania (ECSP)

    EUR 100
26. 25
    R

    Re-Lender Reviewed by the TopPulse editorial team

    Potenza, Italy; offices Milan and Madrid

    Consob (ECSP, in liquidation)

    EUR 50
27. 26
    

    Recrowd Reviewed by the TopPulse editorial team

    Milan, Italy

    Consob (ECSP, suspended)

    EUR 250
28. 27
    

    Trusters Reviewed by the TopPulse editorial team

    Milan, Italy

    Consob (ECSP, delibera 22918)

    EUR 250
29. 28
    

    Walliance Reviewed by the TopPulse editorial team

    Trento, Italy, with an office in Milan

    Consob (ECSP, delibera 22878)

    EUR 500
30. 29
    

    ClubFunding Reviewed by the TopPulse editorial team

    Paris, France

    AMF (PSFP)

    EUR 1,000
31. 30
    

    Homunity Reviewed by the TopPulse editorial team

    Paris, France

    AMF (PSFP FP-2023-31)

    EUR 1,000
32. 31
    

    October Reviewed by the TopPulse editorial team

    Paris, France

    AMF (PSFP, closed to new)

    €20
33. 32
    

    WiSEED Reviewed by the TopPulse editorial team

    Balma (Toulouse), France

    AMF (PSFP FP-2023-33)

    €100
34. 33
    

    Esketit Reviewed by the TopPulse editorial team

    Zagreb, Croatia (operations from Riga, Latvia)

    None - no financial supervisory authority

    €10
35. 34
    

    Bondora Reviewed by the TopPulse editorial team

    Tallinn, Estonia

    None (Go & Grow unregulated)

    None
36. 35
    I

    Income Marketplace Reviewed by the TopPulse editorial team

    Tallinn, Estonia

    None (on LV warning list)

    €10
37. 36
    

    Iuvo Reviewed by the TopPulse editorial team

    Tallinn, Estonia (operations in Sofia, Bulgaria)

    None (on LV warning list)

    €10
38. 37
    

    Swaper Reviewed by the TopPulse editorial team

    Tallinn, Estonia

    None (unregulated)

    €10
39. 38
    S

    Scramble Reviewed by the TopPulse editorial team

    Tallinn, Estonia

    None (claims-assignment model)

    €10
40. 39
    

    VIAINVEST Reviewed by the TopPulse editorial team

    Riga, Latvia

    Latvijas Banka (MiFID II investment firm)

    €50

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