oktober 6, 2016,

Updates to Portfolio Manager settings

Bondora Go & Grow

Editorial team

Table of contents

Last week we talked about how to get more out of our Portfolio Manager by using the various settings to customize it according to your needs. The customizable settings allow investors to execute their chosen portfolio strategy better, ensure that their money is invested and not sitting idle on their account (i.e cash drag). This has been one of the concerns raised by our investors and we aim to improve this.

In the upcoming releases we will make changes to the Portfolio Manager and its settings with the purpose of further improving the Portfolio Manager performance and meet the expectations from our investors to reduce cash drag.

Summary of Portfolio Manager improvements

The changes to the Portfolio Manager are highlighted here below:

Diversification setting “Min loans in Portfolio“ in the “Automatic Bid Size” option will be removed from the Portfolio Manager default settings (see the image below) because
- a) it is conflict with the deployment period setting (for example if investor sets a long deployment period and low diversification then those conditions are not compatible)
- b) less than 5% default Portfolio Managers use these settings.
  The default diversification value will still be set to 200 loans in portfolio but the user will not be able to change it from settings anymore. For users who already have set a custom diversification level, the setting will be kept until the next Portfolio Manager setting update. Then it will be automatically set to default value (200 loans in portfolio). Investors who would like to set bid sizes themselves and not use “Automatic Bid Size” option, we encourage using advanced settings of the Portfolio Manager.
We will now start running the Portfolio Managers as soon as the loans reach the market instead of running them periodically once in an hour. This way the funds will be allocated faster.
Every loan will be evaluated in terms of which portfolios are the most suitable for it.
Investors bids will be made into loans which have a lower or equal risk profile than the risk profile of that investors whole portfolio.
Investors bids will be made into loans that have higher risk profile only in the case when, after making the investment, the risk level of investors’ whole portfolio does not increase (i.e making the investment does not change portfolios risk profile).

Bondora Go & Grow

Editorial team

At Go & Grow, our Editorial Team combines years of fintech experience with a passion for financial education. We’re here to share trustworthy insights, platform updates, and easy-to-understand investment tips for everyone.

Share this article

Frequently Asked Questions

How is Bondora regulated?
Bondora Capital’s business model is unique, with no direct precedents in the market. As such, there is currently no specific regulatory license that directly applies to our Go & Grow product. However, we work proactively with regulators across the EU to ensure full compliance with all applicable local laws and regulatory frameworks.

To support this, we regularly publish financial updates, audited annual reports, and disclosures, reinforcing our commitment to transparency and investor trust.

At the same time, Bondora Capital is subject to all relevant general regulations, including (but not limited to) the Estonian Consumer Protection Act, the Law of Obligations Act, the Commercial Code, the Accounting Act, the Competition Act, and the General Data Protection Regulation (GDPR).

Additionally, Bondora AS, a member of the Bondora Group, operates as a Licensed Credit Provider under the supervision of the Estonian Financial Supervision and Resolution Authority. In Finland, we operate through a licensed branch regulated by the Finnish Financial Supervisory Authority. We also hold an operating license in Latvia, supervised by Latvijas Banka, and have recently received regulatory approvals to operate in both Denmark and Lithuania.
Are Bondora AS's loans secured?
Bondora issues unsecured loans, meaning credit customers are not required to provide collateral. This approach allows us to offer a faster, simpler, and more accessible lending experience.

Risk is mitigated through multiple layers of protection. Our underwriting process is powered by predictive, data-driven models, trained on deep datasets collected over 17 years. Each borrower is carefully evaluated using a wide range of creditworthiness indicators before any loan is issued.

With Go & Grow, your investment is automatically diversified across hundreds of thousands of loans in multiple countries. This significantly reduces individual borrower risk and adds a layer of protection against regional or geopolitical events.

In the rare event of non-payment, we follow a structured recovery process, working with professional debt collection agencies and, when needed, escalating cases through local legal channels to pursue repayment.
What happens when a borrower doesn't repay?
At Bondora, we do a lot to prevent repayment issues before they happen. Our advanced data models carefully assess each borrower’s creditworthiness, using historical data and predictive analytics to minimize the likelihood of default from the start.

If a payment is delayed, we act quickly but thoughtfully. From the first day of the delay, we reach out to the customer via email, SMS, and automated calls to remind them of their delayed payment and offer flexible options to get back on track. The aim is to find a solution together, whether that means a new payment date or a short-term adjustment.

If the situation doesn’t resolve, we may involve our internal teams or trusted partners to continue the dialogue and explore further options. In some cases, if communication is unsuccessful, the matter may be escalated to the local legal system in line with standard procedures. Legal steps are always a last resort, and the goal is to find the best possible outcome for everyone involved.

Throughout this process, our focus remains on recovering outstanding amounts responsibly and respectfully while protecting investors’ interests.

Read more
What are temporary partial payouts?
Under normal conditions, your Go & Grow withdrawal is paid in full with a single transaction near-instantly. However, in rare and extraordinary circumstances, partial payouts may be activated temporarily. This means your withdrawal will be split into smaller, daily payments until the full amount has been delivered. Only one €1 withdrawal fee applies once you’ve received the full amount.

This protective feature was built into Go & Grow from the start to help maintain stability and safeguard investor returns, so you can stay on track and stay earning, even when the world feels uncertain.

In Bondora’s 17-year history, partial payouts have only been activated once.

While we aim to keep Go & Grow fully liquid, this feature ensures that when conditions require it, your investments remain protected and continue to work for you.
What happens to my investments if Bondora goes bankrupt?
Your money is protected. Even in the highly unlikely event that Bondora Capital becomes insolvent, your investments remain yours. Investors legally own the loan claims, not Bondora Capital.

This means Bondora’s financial situation does not affect the legal ownership of those claims—they continue to belong to the investors. The claims are not part of Bondora’s bankruptcy estate.

Risks related to Bondora as a company are separate from the risks associated with your investment portfolio. Simply put, if Bondora disappears, your investment doesn’t.