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investors
Collin Crowdfund is a Dutch platform, based in Oisterwijk, that lends investors' money to small and mid-sized companies in the Netherlands and Germany. Its first loan was published on 4 June 2014. By October 2026 investors had put in €1.60 billion across 3,567 loans, and 61,667 investors were registered. About a third of new lending now goes to German companies (2025). The site is in Dutch.
You choose loans yourself, from €500 per loan, or €100 on the faster Collin Direct loans. Each loan has a fixed interest rate and a term of 3 months to 10 years; interest, and on most loans part of the capital, is paid monthly. Collin rates every borrower in-house before publishing the loan. You may take at most 40% of one standard loan, and must retake an investor knowledge test every twelve months.
Collin publishes what investors earned after costs and losses, which few platforms do. Across all loans since 2014, the weighted interest rate is 8.36% a year. After 0.89% for costs, 0.59% for money written off and 0.74% set aside for loans expected to fail, the net return is 6.14% a year, before tax (30 September 2026). Older loans did worse: loans made from 2014 to 2019 returned 3.95% a year net, loans from 2020 to 2022 returned 5.93%, and loans from 2023 to 2025 show 6.3% to 7.15%, but these are young and have had less time to go wrong. The average rate on last year's loans was 8.53% (October 2026).
Losses so far are small against the size of the book. Collin has written off €13.30 million, 0.84% of the €1.58 billion lent since June 2014, and has set aside another €16.88 million (1.07%) for loans it expects to lose (30 September 2026). Its yearly default rate for 2025 was 7.67% of loans by number; a loan counts as defaulted when it is more than 90 days late, forced into a restructuring or bankrupt. Late payments are rising: 9.10% of the €719.3 million still owed was more than 90 days late on 30 September 2026, up from 8.12% two months earlier, and €20.4 million was more than a year late. Of the loans made from 2014 to 2019, 15% to 18% defaulted. Collin does not publish how much it recovers from defaulted loans.
Most loans are secured, but how varies per loan: a mortgage on business property, a pledge on stock, receivables or equipment, and often personal guarantees from the owners. A separate foundation registers these rights in investors' names and enforces them when a borrower fails; it is run by Collin's own directors, not an independent trustee. Collin values the security for each loan. There is no buyback, reserve fund or insurance. How much the security has brought back is not published. In plain words: if a borrower fails, you depend on the security selling for enough to repay the loan, and that can take years.
Collin Crowdfund N.V. (Oisterwijk, Dutch Chamber of Commerce 59408731) holds an EU crowdfunding licence from the Dutch regulator AFM, number 32000015, since 10 November 2023, with permission to offer its service in Germany. Before that it worked under an AFM exemption from 1 April 2014. It publishes audited annual accounts and has 53 employees (October 2026). No regulator action is known.
Investors pay a management fee taken from the monthly payments, with discounts for large or frequent investors. In Collin's own return calculation, costs take 0.89% a year off the interest (30 September 2026).
You cannot sell early. Collin says trading loans before they end is not possible under current rules, so your money comes back only through the monthly repayments, over terms of up to 10 years. If a borrower is late, you wait for the arrears or the sale of the security.
Return: Medium — 8.36% a year on average before costs and losses, and 6.14% after them (30 September 2026). Risk: Low (higher means more risk) — the level rests on money written off, only 0.84% of all money lent, which is reported openly, and the loans are mostly secured. It does not rest on the 9.10% of the money still owed that is more than 90 days late and rising; that is a warning that losses could end up higher. Risk-return: Low — about 6% a year after losses is a fair but modest reward, and your money is locked in for years.
License / Regulation: Collin Crowdfund N.V. (KvK 59408731) holds a crowdfunding service provider licence under Regulation (EU) 2020/1503 from the Dutch Authority for the Financial Markets (AFM), licence number 32000015, effective 10 November 2023, with an outgoing passport for Germany. From 1 April 2014 until then it operated under an AFM exemption (number 19000013). No deposit guarantee or investor compensation scheme covers losses on the loans.
Yes. Collin Crowdfund N.V. holds an EU crowdfunding licence from the Dutch regulator AFM, number 32000015, since 10 November 2023, and may also serve investors in Germany. Regulation does not protect you from losses on the loans.
Online Payment Platform (OPP), a licensed payment institution, keeps investors' money off Collin's own balance sheet. The security behind the loans is held for investors by a separate foundation, run by Collin's directors.
€500 per loan, or €100 on Collin Direct loans. You may take at most 40% of one standard loan.
Across all loans since 2014 the average rate is 8.36% a year, and 6.14% after costs, write-offs and money set aside for expected losses (30 September 2026). €13.30 million, 0.84% of all money lent, has been written off. 7.67% of loans defaulted in 2025, and 9.10% of the money still owed is more than 90 days late.
Most loans are secured by a mortgage on business property and/or a pledge on stock, receivables or equipment, often with personal guarantees from the owners; it varies per loan. A separate foundation holds and enforces this security for investors. There is no buyback, reserve fund or insurance, and recoveries are not published.
No. There is no secondary market; Collin says this is not possible under current rules. Your money comes back through the monthly repayments over the loan's term, up to 10 years.
A management fee is taken from your monthly payments, with discounts for large or frequent investors. In Collin's own calculation, costs take 0.89% a year off the interest (30 September 2026).
Your money is held by a licensed payment firm and the security by a separate foundation, so both are kept apart from Collin's own assets. If a borrower fails, the foundation enforces the security for investors, which can take years and may not cover the full loan. No compensation scheme covers losses.
Loans need years to show their losses. Loans made from 2014 to 2019, now mostly finished, returned 3.95% a year after write-offs, and 15% to 18% of them defaulted. Recent loans show 6.3% to 7.15% net, but have had less time to go wrong (30 September 2026).
