Nectaro Review: A Regulated P2P Platform for Consumer Loans
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Guarantees & features
- Secured: No
- Regulated: Yes
- Buyback Guarantee: Yes
- Secondary Market: No
- Auto Invest: Yes
- Cashback: No
- Investor Compensation: Yes
Nectaro is a peer-to-peer lending platform founded in 2023 and headquartered in Latvia, regulated under MiFID II by the Bank of Latvia. It connects investors with consumer loans from originators in emerging European and Asian markets.
What is Nectaro?
Nectaro structures its offering as regulated notes backed by consumer loan receivables, rather than the simpler loan-assignment model used by some competitors. Investors fund these notes and earn interest as the underlying loans are repaid.
Key features
- MiFID II regulation: Nectaro is supervised by the Bank of Latvia as a regulated investment firm.
- Investor compensation scheme: as a regulated firm, Nectaro participates in Latvia's investor compensation scheme, an added layer of protection.
- Buyback guarantee: loans that fall significantly behind schedule are generally repurchased by the originator to protect your principal.
Risk considerations
Nectaro is a newer platform with a shorter track record than more established names, and it does not currently offer a secondary market or auto-invest, meaning capital is generally committed until a loan matures and allocation is done manually. Its loan book is also concentrated on a limited number of originators and markets, which is worth factoring into your overall diversification.
Who is Nectaro for?
Nectaro can suit investors who value formal MiFID II regulation and investor compensation coverage when choosing a consumer-loan platform, and who are comfortable being an early adopter of a newer, less established name as part of a diversified P2P portfolio.
Similar platforms
Consumer loans, Car loans, Litigation finance
Consumer loans
Consumer loans, Car loans
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