7Harvests - Risk and return review
7Harvests - Returns and loss rates
7Harvests – Pros & Cons
About 7Harvests
What it is
7Harvests is a Swiss loan marketplace run by 7Harvests AG in Zug. It sells investors parts of consumer, small-business and property loans issued by partner lending companies. It is very new: the home page says it is 'now open to all' after an invitation-only start and has more than 340 investors (read 1 November 2026). It holds no FINMA licence.
How it works
Partner lenders issue loans of €1,000 to €50,000 to individuals and small businesses in Europe, for 6 to 60 months. 7Harvests lists them with a risk grade from A to E and interest rates of 6% to 14%. You buy parts of loans from €50, by hand or with an automatic investing tool, and receive interest and principal into your account. Loyalty tiers and a referral scheme add bonuses, and new sign-ups get a €21 bonus.
Returns
The home page advertises target returns 'from 15%' a year, plus a loyalty bonus of up to 3% and a referral bonus of up to 1% (read 1 November 2026). Other pages of the same site give different figures: the FAQ says returns typically range from 8% to 15% a year, and the how-it-works page claims 13% to 15% average annual returns while listing loans at 6% to 14%. None of these figures is dated or backed by data, and no realised return is published.
Losses and defaults
7Harvests publishes no default rate, late-loan figure or loss figure. The home page says key statistics are made public and links to 'public statistics', but that section shows only advertised rates and bonuses (1 November 2026). With a short track record and unnamed lenders, there is no way to check how the loans perform.
What secures your money
The public pages do not say that the loans carry collateral. Most are loans of €1,000 to €50,000 to individuals and small businesses arranged by partner lending companies (loan originators), which 7Harvests does not name; a filter for loan-to-value suggests some property loans are included. Protection rests on buyback promises, which are not security. The how-it-works page says every loan has a buyback guarantee and that originators buy back loans more than 60 days overdue; the FAQ says buybacks apply to selected loans. The home page adds a 'double buyback' at holding and platform level, and the terms say 7Harvests keeps paying interest to investors under the buyback obligation when a borrower is late. The platform's own risk warning says buyback guarantees depend on the solvency of the loan originators. No figures on buybacks, defaults or recoveries are published (as of 1 November 2026).
Who runs it and its licence
The operator is 7Harvests AG, registered in Switzerland (company number CHE-356.409.118), Bahnhofplatz, 6300 Zug; its founder and chairman is Ricardas Vandzinskas. The home page shows a 'Swiss Regulated' badge and says it is aligned with the standards of a Swiss self-regulatory organisation, but names no organisation and no membership number. Its own terms say it 'is not directly supervised by the Swiss Financial Market Authority' (FINMA) and that money held with it is not covered by the Swiss deposit insurance scheme. The terms also say it is supervised by a Swiss regulator, without naming it. We found no licence. It is not an EU crowdfunding provider.
Fees
Investing is advertised as free: the home page says 'No fees', and the terms say 7Harvests charges investors and borrowers no additional fees unless stated otherwise. The FAQ mentions 'lower fees' for members of its 7Circle programme without saying what fees exist. Payment providers and currency conversion services may charge their own fees.
Getting your money out
Interest and repayments land in your 7Harvests account, from where you can reinvest or withdraw to the bank account you deposited from. The terms say a withdrawal may take several days and may carry fees from the payment provider. Loans run 6 to 60 months. The terms mention a secondary market between investors, but the public pages do not describe how it works, so plan to hold each loan to the end or until it is bought back.
Our view
Return: Very High. The platform targets returns from 15% a year plus bonuses, but nothing realised is published. Risk: Very High (higher means more risk). Its terms say it is not supervised by FINMA despite a 'Swiss Regulated' badge, the lenders behind the loans are not named, no default figure is published, and repayment depends on buyback promises. Risk-return: Very Low. An advertised rate alone does not make up for these gaps.
Regulation
License / Regulation: No licence confirmed. 7Harvests AG (Zug, CHE-356.409.118) shows a 'Swiss Regulated' badge and says it is aligned with Swiss self-regulatory organisation standards, but names no organisation or membership number. Its terms say it is not directly supervised by the Swiss Financial Market Authority (FINMA) and that money held with it is not covered by Swiss deposit insurance. It is not licensed as an EU crowdfunding provider.
Functionality
For Investors
Useful Information
No licence was found. The site shows a 'Swiss Regulated' badge and mentions alignment with a Swiss self-regulatory organisation, but names none. Its own terms say it is not directly supervised by FINMA and that money held with it is not covered by Swiss deposit insurance.
7Harvests. You pay into its own EUR or CHF bank account by SEPA transfer or through payment providers such as Monetley, Caxton or Narvi. It says client money is held in segregated accounts apart from its operating capital, but does not name the bank.
€50 per loan. Some payment methods may need a higher amount.
The home page targets returns from 15% a year plus bonuses (1 November 2026); other pages say 8% to 15% or 13% to 15%. No realised return, default rate or loss figure is published.
No collateral is described. Protection rests on buyback promises: originators are said to buy back loans more than 60 days late, with a second promise at holding and platform level. The FAQ says buybacks cover selected loans, while another page says all loans. A buyback is only as good as the company behind it.
7Harvests does not name them on its public pages. It says they need a track record of three years or more, audited accounts and at least €500,000 of capital, but this cannot be checked from outside.
Money in your account can be withdrawn to your own bank account; the terms say this may take several days. Loans run 6 to 60 months. The terms mention a secondary market, but the public pages do not describe it.
The platform advertises no fees, and its terms say it charges no additional fees unless stated. Payment and currency conversion providers may charge their own.
If an originator fails, its buyback promise may not be kept; the platform warns that buybacks depend on originator solvency. If 7Harvests fails, investors rely on its segregated accounts; no supervisor or compensation scheme protects them.
