Finbee Review 2026: a P2P Lending Platform with High Returns
A comprehensive review of Finbee P2P lending platform with high interest rates and strict loan selection process
Quick Verdict
Finbee is a solid P2P lending platform offering high yields of up to 15.3% annually with a strict loan selection process. While there's no buyback guarantee, the platform compensates with high returns, transparency, and professional management by an experienced team.
Try FinbeeWhat is Finbee?
As for all Peer-to-Peer lending platforms, Finbee is a financial platform that allows investors to invest in loans, along with other investors in order to get interests payments over time. Finbee is a platform with a long track record already, as it was launched in 2015. The company is incorporated in Lithuania, supervised by the Bank of Lithuania as a business loan operator and has received the ECSP.
What I really like about this platform is that they offer high interests rates, averaging at 15.3% in 2023. They also focus on complete safety for investors, for example by doing a good filtering job on the incoming loans requests, and approving only 7 out of 100 loan requests. They also provide complete automatisation of the investment process, which is of course something I will verify in this review.
They currently have over 22,000 investors, and paid out over 20 million Euros worth of interests to investors.
What Returns Can You Expect?
Real returns based on my investing experience
The returns you can expect on Finbee will of course depend on which loans you invest in. Currently, with the information from the platform you can get up to 15.3% of annual returns, and they advertise the same returns on their main page as well.
The yield actually depends on which type of loan you invest in: 16.3% for consumer loans, and 13.8% for business loans in 2023.
This is good as it is the above the average that you can get on several similar platforms in the field, and I will of course verify that when I talking about how to get started on the platform.
Of course, reinvesting your profits on the platform will give you a nice compound interest.
Auto-Invest & Manual Selection
Finbee offers both automated and manual investment options to suit different investor preferences
Auto-Invest Presets
Multiple risk-based presets available to automate your investments based on your risk tolerance
Manual Loan Selection
Browse individual loans with detailed information including interest rates up to 22%
Secondary Market
Active secondary market available for additional liquidity and early exit options
Large amount of loans available ensuring good diversification opportunities
Is Finbee Safe?
Key safety features and regulatory compliance
Strict Loan Selection
Only 7 out of 100 loan requests are approved through a rigorous filtering process
Bank of Lithuania Supervision
Licensed and supervised by the Bank of Lithuania as a business loan operator with ECSP certification
Personal Guarantees
All business loans secured with personal guarantee of the main stockholder
Automated Identity Verification
Full security priority with automated identity verification and GDPR compliance
⚠️ Risks & Guarantees on Finbee
On Finbee, loans come without a buyback guarantee, however the platform has several things in place to guarantee the safety of investors money.
First, they are completely transparent about the loans present on the platform, and it is really easy to know all the risk information about each loan present on the platform.
They also have a strict process to select loans that end up on their platform, as only 7 out of 100 loan requests are accepted.
Also, tall business loans are secured with a personal guarantee of the main stockholder of the borrowing company, so in a way these loans work as consumer loans on Finbee.
They also put security as a priority of the platform - having for example a fully automated identity verification process, as well as following all the regulations in terms of GDPR.
👥 The Company & The Team
As I mentioned earlier, the company is incorporated in Lithuania. As for all platforms I add to my portfolio I checked if the company was officially registered in Lithuania, and it is indeed.
It was also very easy to find information about their team, which is something I really like to see on such a platform.
As for all the platforms I invest on, I checked the profiles of the management team of the platform to see their experience in the field. Especially here, as they put the experience of their team as a strong argument for the performance and reliability of the platform.
And indeed, they do have a really good team. Their CEO for example, Darius Noreika, has a solid background in banking, having worked at large banks as an analyst before working at Finbee.
So definitely a strong team of professionals with a lot of experience in the fintech & banking fields, which is a really good point for this platform.
🏢 Loan Originators
I always checked where the loans are coming from on a platform, as this is really important for the security of your investments. For example, they are responsible for paying the buyback guarantee that I mentioned earlier, so it's critical to make sure a platform is transparent about their loan originators before investing.
In the case of Finbee, they actually are doing the loan origination themselves, as from the same platform you can also apply for a loan. This is really reassuring - as all is controlled by Finbee and not by an external company. They currently have an active portfolio of above 12 millions Euros worth of loans.
Getting Started on Finbee
Open and Verify Your Account
Registration and ID verification process takes less than 10 minutes to complete. The platform has a fully automated identity verification system.
Deposit Funds
Transfer money to your Finbee account via bank transfer. The process is quick and straightforward.
Choose Your Investment Strategy
Browse loans manually or use the auto-invest function with presets based on your risk tolerance. Loans offer interest rates ranging from 10% to 22%.
Start Earning Returns
Once auto-invest is activated, the platform will automatically invest in loans for you. You can also use the secondary market for additional liquidity.
Pros & Cons
Pros
- ✓High interest rates averaging 15.3% annually
- ✓Strict loan selection process - only 7 out of 100 requests approved
- ✓Fully automated investment process with auto-invest function
- ✓Complete transparency about loans and risk information
- ✓Experienced team with strong banking and fintech background
- ✓Platform does its own loan origination (no external originators)
- ✓Licensed and supervised by the Bank of Lithuania
- ✓Active secondary market available
- ✓Large amount of loans available for diversification
- ✓Business loans secured with personal guarantees
Cons
- ✗No buyback guarantee on loans
- ✗Relatively newer platform for some investors (launched 2015)
- ✗Higher risk profile due to high returns
- ✗Limited to loans originated by Finbee only
My Results with Finbee
With the settings that I used on Finbee, I should get returns of around 15-19% annually. It is of course too early to talk about long-term yields on the platform, but I can say that so far everything went smoothly and I will definitely invest more on the platform in the future.
