August 1, 2018,

Another record-breaking month for Bondora

Bondora Go & Grow

Editorial team

Welcome to another post from our monthly funding statistics series. Here, we talk about the most popular investment methods used by our customers in July and how this has changed since the previous month.

The total amount originated totaled €5,421,345 in July, another record-breaking month for Bondora.

July statistics Bondora - 2018

June statistics 2018 - Bondora

In line with the trend of the previous month, Portfolio Manager decreased in popularity in July, and Portfolio Pro remained relatively static. Still standing at 25% of the total investments, Portfolio Pro accounts for 17% of the total compared to February. Portfolio Manager’s share now accounts for 34%, significantly lower than the 64% share it held in March.

Go & Grow is still leading the way at 41% of the total share and just under €2.2M. This is up 3% compared to June and 17% compared to May. At the beginning of June, Go & Grow was made available to all new and existing investors.

The percentage of investments made through the API increased slightly to 0.43% of the total (rounded figures in the pie charts) – due to the technical skills required for this option we do not expect to see this fluctuate widely on a monthly basis, as seen with the other investment options.

Look out for our upcoming post where we discuss where the highest percentage of investments have been made, breaking it down by country, risk rating and durations.

If you’re still unsure of the differences between each investment method, here’s a summary:

Go & Grow – Go & Grow is an incredibly simple and automated tool that allows you to earn 6.75%* p.a. on your investment and gives you faster liquidity. This is for the people who want lower risk* and “no-hassle” investing with a predictable net return. Find out more about Go & Grow here.

Portfolio Manager – Select a strategy ranging from ultra-conservative to opportunistic, add money and you’re ready to go. No further management is required as Portfolio Manager takes care of everything for you. If you want to leave a certain amount of cash on your account that won’t be invested, go into your settings and adjust the spare cash balance slider to your desired amount. It’s easy!

portfolio pro

Portfolio Pro – Now you have more control. Select the risk ratings you want to invest in (ranging from AA – HR), select which countries, your preferred loan durations and it’s done. If you wish, you can also add a few more rules like the range of interest rates applied to the loan and also the bid size. We will then give you an expected return range along with the distribution you can expect across your selected filters.

Portfolio manager

For further comparisons between the two, check out our video on the topic here.

API – Use your programming skills to access the functionalities of the Bondora platform without using our web interface. The API gives you the ability to bid on specific loans by using different data points such as borrower’s income, country, loan status and many more that fit your personal investment strategy.

What is your favorite method? Let us know in the comments below.

*As with any investment, your capital is at risk, and the investments are not guaranteed. The yield is up to 6.75%. Before deciding to invest, please review our risk statement or consult with a financial advisor if necessary.
*Risk related to other Bondora products

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.