Fingood - Risk and return review
Fingood - Returns and loss rates
Fingood – Platform statistics 2026
25000
investors
Fingood – Pros & Cons
About Fingood
What it is
Fingood is a Czech crowdfunding platform where private investors lend to Czech small firms and property developers. Borrowers repay in monthly instalments, and investors receive interest each month. The platform reports more than 25,000 investors, more than 800 projects and more than CZK 2.5 billion paid out to investors (home page, November 2026).
How it works
You register online, for example with Bank iD, send money to your investor wallet and choose loans yourself from CZK 1,000. Each loan has a rating from AAA to C. Loan requests go through a sales screen, a credit opinion from the risk department and an investment committee; the platform says about 20% are rejected at the risk stage and 5-10% by the committee. Investing is not open to people under 18.
Returns
The home page advertises annual returns of 10% to 12.9% and an average return of 11.3%. The page is undated and does not define the average; it is most likely the average contract interest rate before defaults, and it is not stated whether it is before or after Fingood's 9% share of interest. No return after losses is published.
Losses and defaults
Defaults are high. Under the EU crowdfunding rules Fingood reports that 33 of 226 loans defaulted in 2025, a default rate of 14.6% by number of loans (statement of 30 April 2026). By rating, 0% of AAA loans defaulted, 1.5% of AA, 16.1% of A, 40.7% of B and 28.6% of C. The year was hit by loans to one developer group (Rybka Building, the Marica project in Ostrava); without them the platform puts the rate at 8.5%. The year before, 31 of 267 loans granted since the licence to the end of 2024 had defaulted (11.6%).
According to press reports, Fingood says it is owed more than CZK 172 million by the Marica developer, which stopped paying after its owner died, and it has filed an insolvency petition. No written-off amount or realised loss is published, so how much investors will lose is not yet known.
What secures your money
Fingood says every loan is secured, but how well varies. Its portfolio page sorts loans into groups from fully covered by property mortgages, through loans covered by a mix of other security (often less than half of the loan), down to loans backed only by security whose quality has not been checked; the share of each group is shown only in a chart. Loan documents include mortgage agreements and agreements on blank promissory notes. There is no buyback and no reserve fund. Fingood handles recovery itself and keeps 8.5% of whatever it recovers, including from selling the security. It publishes no recovery rate. The largest test so far is a developer loan in insolvency (the Marica project), which is driving the 2025 default rate.
Who runs it and its licence
The platform is run by Fingood s.r.o. (company number 033 28 074), Prague 8 - Karlín. The Czech National Bank authorised it as a European crowdfunding service provider on 10 November 2023 (decision 2023/144977/CNB/650). No compensation scheme covers the loans.
Fees
Registering, investing and keeping the wallet are free, and the first withdrawal each calendar month is free; further withdrawals cost CZK 38. Fingood keeps 9% of the interest paid on each loan, one third of late interest, penalties and similar charges, and 8.5% of any amount recovered from a failed loan (price list valid from 12 September 2026). Borrowers pay Fingood separately.
Getting your money out
You can sell single investments or your whole portfolio to other investors on the Fingood Market, in an auction or at a fixed 'buy now' price; the seller has 24 hours to confirm and money can be back in a few days, if a buyer is found. Otherwise you wait for the borrower's monthly instalments. Money in the wallet is kept apart from Fingood's own money on a bank account at a Czech bank and earns no interest for you.
Our view
Return: High. The platform shows an average return of 11.3% (undated). Risk: High (higher means more risk). 14.6% of loans (33 of 226) defaulted in 2025, mainly one developer against whom Fingood filed an insolvency petition, and no realised loss figure is published. Risk-return: Medium.
Regulation
License / Regulation: Fingood s.r.o. (company number 033 28 074) is authorised by the Czech National Bank as a European crowdfunding service provider under Regulation (EU) 2020/1503, granted on 10 November 2023 (decision 2023/144977/CNB/650). No deposit guarantee or investor compensation scheme covers the loans.
Functionality
For Investors
Useful Information
Yes. The Czech National Bank authorised Fingood s.r.o. as a European crowdfunding service provider on 10 November 2023 (decision 2023/144977/CNB/650).
Money in your investor wallet is kept apart from Fingood's own money on a special-regime bank account at a Czech bank and earns no interest. Invested money is lent to the borrowers and no compensation scheme covers it.
CZK 1,000 per loan.
The home page shows an average return of 11.3% (undated). Defaults are high: 33 of 226 loans (14.6%) defaulted in 2025. No realised loss figure is published (November 2026).
Fingood says all loans are secured, from full property mortgages to weaker security such as blank promissory notes. The split is shown only in a chart. There is no buyback or reserve fund.
Yes, if a buyer is found: the Fingood Market lets you sell single investments or your whole portfolio in an auction or at a fixed price.
Fingood keeps 9% of the interest on each loan, a third of late interest and penalties, and 8.5% of amounts recovered. Withdrawals after the first each month cost CZK 38.
If a borrower fails, Fingood enforces the security and keeps 8.5% of what it recovers; this can take years. Your wallet money is held apart from Fingood's own funds. No compensation scheme applies.
Loans to the developer Rybka Building for the Marica project in Ostrava defaulted. According to press reports, Fingood says it is owed more than CZK 172 million and has filed an insolvency petition. Without these loans the 2025 default rate would be 8.5% instead of 14.6%.
