November 11, 2016,

Finding profit opportunities in the Secondary Market

Bondora Go & Grow

Editorial team

Many investors discover marketplace lending when they’re looking for stronger profitability. The benefit of the P2P lending world is that investors can incrementally adjust their risk exposure in pursuit of aggressive returns. Our secondary market allows investors to do just this.

The secondary market offers plenty of options for those willing to incur greater risk for a higher return. In this post we’ll look at ways to optimize the filters and find profit opportunities in the Secondary Market.

Optimizing filters for return and risk management

Initially, investors may avoid the secondary market in fear of loss. Why? These loans exhibit greater probabilities for default. However, with careful use of the search filters it’s possible to isolate loans with fewer risk factors. Here are some ways to leverage the 29 different criteria available for high return investments.

Look for recent payments

Choose “Next payment” on the “Search filters” pop up box and enter a narrow range of upcoming days. This will result in loans that have a payment scheduled to occur soon. At the same time, focus on loans that have already made payments and carry a “Current” status. You may buy and hold these loans for longer but it is also possible to earn profit by holding these loans for less than a month and still receive a full months worth of interest.

Look for discounts

Investors can also source opportunities by choosing loans with a “Recovery” status. Next, enter dates in the “Next payment” fields that are within the last month to ensure the borrower is repaying. Finally, enter “-50” into the “Discount/Mark-up” field so you can benefit from a substantial discount.

Look for better credit

Lastly, investors can try to find loans with high credit scores (1000) or lower risk Bondora Ratings (AA,A,B,C) where potential returns can be as high as 50% (XIRR) in some cases. These investments come from choosing a “Current” status with a “credit score” (which is the scoring data from Experian) of 1,000 or Bondora Rating and a payment made in the last month. While such borrowers may carry the more riskier Bondora rating, investors may be more assured by the recent payments.

The best way to find great offers is to try one filter over another until you find a listing of loans that represents your acceptable level of risk.

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.

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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.

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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.