Envestio P2P Platform Review (2019)

What Is Envestio?

Envestio is a Peer-2-Peer (P2P) investment account, which is classed as an alternative investment (compared to things such as share trading, term deposits etc). What is P2P investing you ask? P2P means peer to peer (i.e. from me to you) and allows one a person to take a loan from another person. This means that you bypass a bank or other official financial institution. The result – better loan interest rates for the borrower, and a higher investment interest rate return for the investor. These returns can be much higher than interest, term deposits and other financial investments. Envestio currently offers up to 22% return on various P2P investments!

About Envestio

Envestio (www.envestio.com) is an Estonian P2P platform created in 2018. Envestio works in a similar way to Grupeer, where investors can invest in a select few loans, but are able to invest larger sums of money if desired (compared to Mintos for example). Envestio offers secured and unsecured loans in various industries such as real estate, crypto mining, energy and other industries. Envestio offers to a repurchase guarantee, however will take 5% if you choose to sell the loan back. If you hold onto the investment, there are no costs or fees. There are no restrictions on European residency, so everyone can invest at Envestio, with only a minimum investment amount of €1. Bank transfer with TransferWise does work with Envestio.

Envestio Statistics

  • Envestio is a private limited company, registered in Estonia in February 2018
  • Paid out interest: €113,666
  • Average interest rate: 19.95%
  • Registered investors: 2078
  • Total funds invested: €5,578,880

Envestio is looking to introduce a secondary market for selling investments before they reach maturity. No date has been set yet.

Envestio Account Set Up

Envestio Account Setup is simple with a quick application form to be filled in. Required information includes name, country of residence, date of birth, email and password.

Once the investor has completed this process, they are able to access the main page and start investing in loans.

Beware: Before being allowed to withdraw money from your Envestio Account, Envestio require a you to complete a Client Identification Procedure before withdrawal. Envestio requires a scan or photo of a personal identification document (i.e. passport), and a household utility service bill showing your physical address.

The options for submitting the documentation include sending the required information through to [email protected], or alternatively go into the documents tab and choose which documents you would like to upload.

What type of loans are available through Envestio

Envestio offers a wide variety of loans, in industries such as:

  • CryptoMining – purchase of equipment and materials necessary to run crypto currency mining activities.
  • Real Estate – generally construction of a building or market place
  • Energy – such as maintenance or construction of power plants
  • Other – generally financing of business activities, such as purchasing product, or fixing current infrastructure.

Envestio classes their projects under two types – secured loans and subordinated loans:

  • Secured debt means that the investment project owner has provided additional legal insurance such as a mortgage, mixed collateral or personal guarantee, as well as other essential agreements.
  • Subordinated debt means that all essential agreements have been concluded, but no additional guarantee has been arranged.

Using the internationally accepted credit rating scale (https://en.wikipedia.org/wiki/Credit_rating) Envestio would characterise their borrowers having a rating somewhere between BB and BBB.

Envestio Buyback Guarantee (also Envestio Repurchase Guarantee)

Envestio offers a Buyback Guarantee, however it is not the same as the guarantees offered by Mintos and Grupeer. An Envestio investor at any time can see their investment back to Envestio and instantly receive invested money back. The down side is that Envestio will charge a percentage of the return for this service. Generally the fee is 5%, but can change per investment type.

Envestio have stated that they have enough capital to buy back loans immediately.

Envestio provide an example on their blog:

  • Envestio investor invests €1,000 into a project
  • At any time before the project closes, the investor can see back the share to Envestio with a 5% fee.
  • The investor would receive €950 in return. All the interest payments received before selling the investment back to Envestio, are kept by the investor.

Envestio Defaults

If the borrower does not repay the money by the final date of the investment, the borrower still has 5 working days before legal proceedings begin. At this time, the delay will turn into a default and Envestio will execute all guarantees and commence debt collection. The scenario that Envestio describe on their blog is:

  • The investor who placed €1,000 into the investment (in this case a secured debt project) will receive 80% of the investment principal on the next working day after the default.
  • The other 20% is then decided by the investor, where the investor can choose to
    • Instantly get back half of the amount
    • Wait until the debt is recovered.

As a result, at least 90% of the investment is fully secured.

If the loan was a subordinated debt project, the investor will have to wait until debt recovery proceedings have been finalised. More on the Envestio Buyback Guarantee can be found on the Envestio blog here.

Envestio Fees

Account Fees 
Open Account,

Monthly service fee,

Annual service fee

Account Funding 
Funding via Bank transfer

(minimum deposit – 100 EUR)

Withdrawal < €5€5
Withdrawal > €5
Other Fees 
E-mail yearly statement€5

Envestio Review

Envestio is a very interesting new platform in the P2P space. The juicy return coupled with 90% security in the loan makes it very tempting to invest.When I started to write this article, I was going to say that a drawback was not being able to securely submit identification documents, and the additional residence documentation, however that has since changed. Other P2P platforms such as Mintos and Bondora only require 1 identify document which is uploaded into their system.

One improvement could be to allow users to change email preferences.

Envestio Blog

Envestio does have a blog found here, which is usually updated with 1-2 posts a month. Topics include those such as Envestio buyback guarantees, frequent questions from investors and general information about crowd investing.

Envestio Affiliate Program

Envestio, like other P2P investment platforms (Bondora, Mintos, Grupeer etc.) offers a referral program to its investors. The referral system is open to everyone who has opened a Envestio account. The referral system allows investors to earn additional income regardless of purchasing P2P investments.

For simplicity, I will refer to the one referring a friend or other individual as the referrer, and the one who has been referred as the recipient.

Once the recipient creates an account and transfers at least €100 into the account, a €5 “first deposit bonus” will be issued to both the recipient and the referrer. On top of that, there is an additional “timespan” bonus which is a percentage of the net amount invested through the platform in the first 270 after registration.

The percentages paid out are:

  • 5% for the referrer
  • 5% for the recipient.

The timespan bonus will be paid out before the 5th of each month.

Envestio Referral Link

The Envestio referral link can be found in the Invite section, at the top right of your dashboard. The link would be similar to something like https://envestio.com/?invite=PdGF3N0.

This link can be placed over an image, and can be used like a little widget, or advertisement that you place on your website.

Envestio Special Campaigns

Every now and then Envestio will announce a special campaign for a specific project. The campaign will promote special terms, if you have a specific amount of money specified by a certain date.

A recent example:

Envestio announced the special campaign – Envestio Guarantee for a power plant development project. Investors were given 1 week to invest a minimum of €10,000 in a specific power plant project, receiving a 100% buyback guarantee in return. Investors who had invested the minimum €10,000 received confirmation letters from Envestio stipulating the 100% buyback in case of default.

Please note: Before investing in anything do your own due diligence and research. Nothing in this article is financial advice. Just one man trying to share his working and investing experiences!


  1. High interest rates are not the only thing. Their customer support is slow. adding funds are slow. They keep changing bank accounts. They don’t pick up the phone. You trust them with your money?

    • Hi Jack,
      It is true, a good platform needs to have good customer relationships and fast transaction times. I can’t comment on the bank accounts as that is strange why they keep updating those.
      I think the issue with Envestio is that the platform exploded with popularity, resulting in a lag in other functions such as customer service. Hopefully, they are working on that now!
      Since I have been investing with them, I haven’t had any issues with any missed or late repayments. I also don’t invest everything in the one platform and I diversify with other assets as well.

    • Hi Radek, that’s a good question!
      When I first opened my account with Envestio I sent through just a small sum (~10 EUR) just to make sure the account details were correct etc. I had no issues and the money was deposited into my account.
      I am not sure how strict the 100 EUR actually is. Did you try adding less than 100 EUR recently?

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