Lendiball Review 2025
A new P2P platform offering up to 16% returns with regulated loan originators and a 30-day buyback guarantee. Here's my complete analysis.
Best For
I first came across Lendiball while researching alternative investment opportunities in Eastern Europe. The platform stood out with its advertised yields of up to 16% and its focus on regulated loan originators supervised by national central banks.
What is Lendiball?
Lendiball is a European P2P lending platform launched in November 2025, operated by Virtula Group—an Estonian-based fintech company active in non-bank lending since 2012. The platform connects investors with loans from regulated financial institutions in Romania and Moldova.
Their philosophy differs from many competitors: fewer originators, full disclosure, and simple structures investors can understand. Instead of aggressive diversification across dozens of unrelated originators, Lendiball focuses on transparency and close alignment with loan originators.
Expected Returns
The platform advertises returns of up to 16% annually, placing Lendiball among the higher end of the European P2P lending market. Current rates are promotional for early investors and will adapt to market conditions over time.
Available loans are primarily short-term consumer loans, which typically carry higher interest rates due to their nature and the markets they serve.
Is Lendiball Safe?
Buyback Guarantee
If a loan is delayed by more than 30 days, the loan originator repurchases the receivable, returning both principal and accrued interest to the investor. This is a contractual obligation supported by operating assets and cash flows.
Regulated Originators
Non-bank lending activity is authorized and supervised by the National Bank of Moldova and National Bank of Romania. This regulatory oversight ensures compliance with local consumer protection rules.
Experienced Team
Virtula Group has been active since 2012. Recently, they sold a subsidiary to Sun Finance Group—a multinational with €4.1B+ in loans issued globally—validating the business model.
Loan Originator: Victoria Credit
Victoria Credit OCN SRL is a non-bank financial institution operating under National Bank of Moldova supervision since 2012. They provide short-term consumer loans and BNPL services, with default levels within controlled ranges and provisions calculated using conservative stress-case assumptions.
Transparency & Trust
Audited financial statements for loan originators are published on the website. The platform plans regular updates on performance, repayments, and interest payouts. As the team puts it: "Transparency is not something you declare—it's something you practice consistently."
Pros & Cons
Pros
- +Up to 16% annual returns
- +Regulated loan originators
- +30-day buyback guarantee
- +Zero investor fees
- +12+ years originator history
- +Audited financials published
Cons
- -New platform (Nov 2025)
- -Single active originator
- -Concentration risk
- -Less familiar market
Quick Facts
Final Verdict
Lendiball is best suited for investors who value transparency over complexity and are comfortable with concentration in a single market. The platform openly acknowledges its concentration risk but argues this structure allows for better control, transparency, and faster decision-making.
If you're looking for high yields within a regulated framework and are willing to accept the risks of a new platform, Lendiball could be worth considering as part of a diversified P2P portfolio.
Frequently Asked Questions
What returns can I expect on Lendiball?
Lendiball advertises returns of up to 16% annually, placing it among the higher end of the European P2P lending market.
Is Lendiball safe to invest on?
Lendiball offers a 30-day buyback guarantee and works with loan originators regulated by national central banks.
What fees does Lendiball charge?
Investing on Lendiball is completely free. No fees for account opening, deposits, investing, or withdrawals.
Who operates Lendiball?
Lendiball is operated by Virtula Group, an Estonian fintech company active in non-bank lending since 2012.