Trine AI Overview on 09/2025

Overview of Trine for retail investors 😎

Trine is a Swedish impact-lending platform where retail investors fund senior secured loans to solar companies in emerging markets and earn interest or profit share linked to cash flows from power purchase agreements. Trine AB is authorized in Sweden as a Crowdfunding Service Provider under EU Regulation 2020/1503 and as a Payment Institution, supervised by Finansinspektionen. 
Investments are project-linked notes with fixed tenors and either fixed coupons or profit-share mechanics; minimum ticket is typically 25 euro. 
Key advantages are low entry amount, tangible climate impact, and occasional portfolio guarantees from DFC or Sida that partially cover principal on defaulted loans. 
Main risks are borrower default, country and currency risk in frontier markets, illiquidity due to no secondary market, and platform risk despite regulatory authorization. 

Trine product details for retail investors 📦

Product type is debt crowdfunding in the form of senior loans to commercial and industrial solar developers and occasionally profit-share loans; investors receive amortizing principal and interest or profit-based payouts, usually quarterly. 
Returns are generated from borrower interest or agreed profit shares funded by cash flows under PPAs; late fees from borrowers are distributed to investors. 
Legal structure is an ECSP-compliant marketplace with Trine arranging, administering and servicing loan facilities and holding borrower securities; Trine operates under Swedish supervision. 
Geography focuses on emerging markets such as Nigeria, Kenya, Vietnam, India and Chile, with expansion efforts in Colombia, Costa Rica, Brazil, Indonesia, Ghana and Tanzania. 
Typical metrics: loan tenors range from 6 months to 10 years on the underlying facilities; minimum investment 25 euro; platform wallet operates in euro and USD for balances and withdrawals. Expected total returns are project specific and disclosed per offer. 
Major risks: no early exit facility, borrower or country default, FX volatility where loans are matched to local currency cash flows, and time risk on profit-share loans where more returns accrue later in the term. 

Trine company profile and regulation 🏛️

Trine AB is a Gothenburg-based company with Swedish organization number 559003-1463. It states authorization as a Payment Institution and EU Crowdfunding Service Provider under Finansinspektionen oversight.
EU regulatory framework is the ECSPR, with ESMA and national competent authorities publishing requirements and registries; Sweden’s FI provides company and authorization registers. 
Operationally, Trine earns management and arranger fees from borrowers and services investor repayments, including recoveries and any eligible guarantee claims. 
Management communications in 2025 highlight cost control and fee trends, indicating transparency on the platform’s own economics to investors. 

Trine volumes and performance snapshot 2024 to 2025 📊

Public milestones indicate Trine passed about 100 million euro invested across 19 countries by 2025, following 96 million euro noted in September 2024 social posts. 
Independent aggregators report approximately 92.5 million euro funded and about 14.3 thousand investors on the platform, with an estimated default rate of about 5.3 percent and average returns near 6.2 percent, data as listed in 2025. 
Trine’s own April 2025 credit-loss update states annualised credit loss in the C&I segment declined to about 1.5 percent with overall losses trending down, reflecting a portfolio shift from earlier SHS exposures. 
Trustpilot investor feedback in 2024 to 2025 frequently references realized yields and some historical defaults, with the most common tenor experience being multi-year amortizing repayments. 
Note that third-party stats and social posts are indicative and should be cross-checked with current offer documents before investing. 

Trine risk approach and monitoring 🔍

Borrower selection emphasizes minimum operational track record, positive or improving equity profile, and ability to service debt from project cash flows; a site visit and desk review precede investment committee approval. 
Market selection favors stable or dollarized revenue, investable regulatory frameworks, acceptable COFACE country ratings, and a minimum target total return of around 9 percent at project level. 
Trine publishes periodic portfolio and loss narratives explaining sector shifts and loss trajectories to retail investors, including macro-rate context for expected returns. 
Where applicable, external guarantees such as DFC 50 percent principal coverage or Sida 60 percent may mitigate losses, subject to eligibility and a formal claim process managed by Trine. 

Trine platform functionality and investor tools 🧰

There is no secondary market to sell positions early, which makes investments illiquid until scheduled repayments. Monthly auto-invest and automated withdrawals are available and configurable in portfolio settings. 
Investor dashboards provide project-level repayment schedules and impact metrics; amortizing versus non-amortizing cash flow differences are explained in help materials. 
Supported account currencies for wallet balances include euro and USD, with automated withdrawals for balances above 10 euro on a monthly cycle if enabled. 
Occasional first-investment guarantee up to 100 euro is offered for new users where no other guarantee applies. 

Trine pricing and fees 💶

Retail investors are not charged ongoing platform fees; Trine monetizes primarily via borrower-side fees. 
Borrowers pay a management fee historically around 3 to 4 percent on outstanding amounts, plus a one-off arranger fee usually 2 to 4 percent of the total loan. Late fees after 7 days accrue to investors, and administrative fees may apply for early repayment, restructuring, recovery, or late reporting. 
Pricing is disclosed per facility in offer documentation; investors should review each project’s Key Investment Information Sheet under ECSPR.

Negative publicity about Trine and investor red flags ⚠️

Redavia borrower issues prompted continuing updates in 2024, with Trine signaling recourse to guarantee and recovery processes; investors should review current status per Trine news updates before allocating. 
User reviews note historic defaults that reduced returns for some early investors; this is consistent with Trine’s own narrative that credit losses peaked earlier and then declined as the portfolio shifted to C&I. 
A critical structural risk is illiquidity because there is no secondary market, so early exit is generally not possible. 
Regulatory note: Sweden’s FI maintains public warnings about unrelated entities using “Trine” in their names; investors must ensure they are dealing with Trine AB, org. 559003-1463.

Success stories and milestones at Trine 🏆

By 2025 Trine communicated a milestone of 100 million euro invested across 19 countries, reflecting scale and geographic breadth. 
Impact partnerships have included external guarantees from the U.S. International Development Finance Corporation and the Swedish development agency Sida, enabling risk-sharing on certain facilities.
Company communications in 2025 indicate progress toward operational break-even and improved fee stability, signaling maturing unit economics.

Is Trine safe and regulated

Trine AB is an authorized ECSP and Payment Institution supervised by Sweden’s Finansinspektionen, operating within ECSPR rules. Authorization does not eliminate investment risk.

What returns can I expect on Trine?

Returns vary per loan and market conditions; external reviewers indicate mid-single to high-single digit outcomes historically, while Trine reports improving loss rates in its C&I book as of April 2025.

What are the main risks?

Borrower default, FX and country risk in emerging markets, illiquidity, and platform risk; partial guarantees may apply only to specific loans and cover part of principal after a claims process.