Yes - and it dominates the platform. Portfolios above 10,000 euros earn an extra 0.5 percent, above 25,000 euros 0.75 percent, and above 40,000 euros 1 percent, and new investors get 0.5 percent extra for 90 days. By July 2026 loyalty-tier investors held 91.7 percent of all money on the platform, with the top tier alone holding 61 percent - so a relatively small number of large accounts fund most of the book.

No scandal, regulator action or investor loss is on record - but there is persistent criticism. Trustpilot scores it around 3.5 to 3.8 out of 5 from about 258 reviews (August 2026): recurring complaints are scarce loans being snapped up within minutes, idle cash dragging real returns to 6 to 7 percent, and technical failures at busy times. The specialist press is harsher about structure than service: reviewers describe the 2021 move from Latvia to Croatia as a way to avoid incoming regulation, flag the unaudited accounts and the shareholder overlap with the main lending group, and one rating site suspended its PeerBerry ratings in March 2022 and never restored them. Balanced against that, the completed war-loan repayment in December 2024 drew genuine praise as the clearest stress test any European P2P platform has passed.

PeerBerry has about 37 lenders in three sets. Aventus Group covers most consumer lending across 17 countries and is the strongest: EUR 95.7 million of net profit in 2025, EUR 411.4 million of interest income and EUR 225.7 million of equity against a EUR 346.8 million portfolio, an unusually thick cushion for this sector. Gofingo is smaller and similar in kind. Both stand behind a group guarantee, but neither is audited by an external firm to IFRS, which is the real gap. The second set is property. SIBgroup lends through SI Baltic and Pakrantes Bustas and is now the single largest exposure at EUR 43.1 million, about 28 percent of the platform; Lithome is EUR 18.3 million. Both are Vilnius developers, both publish per-project statements rather than audited group accounts, and neither carries the group guarantee. UAB Lithome's own 2025 filing shows negative equity of about EUR 49,000 against EUR 18.3 million of assets and a EUR 79,900 loss, so almost every euro on its balance sheet is borrowed. Third, the smaller lenders vary enormously, from PujckaPlus in Czechia at 53 percent own capital to Cash-Express in the Philippines with deeply negative equity. The EUR 51.4 million of war-affected loans across twelve lenders was repaid in full by December 2024.

PeerBerry chooses lending companies, not individual loans, and the loans then arrive in bulk. It says it evaluates each lending company's finances, loan quality and processes periodically, but publishes no criteria, no methodology and no results. In practice most originators are Aventus companies - the group whose chief executive owns half the platform - so onboarding a new lender usually means the shareholder's own subsidiaries joining. The borrower checks themselves happen inside the lending companies, whose only published description of their credit process dates from 2020. No independent party reviews the credit investors are sold.

The public team is thin. The Croatian company's sole director and public chief executive is Arunas Lekavicius, and its three shareholders are Andrejus Trofimovas (50 percent - also chief executive of Aventus Group, the dominant lender), Vytautas Olsauskas and Ivan Butov (25 percent each). There is no team page naming management, risk or compliance staff, and the Croatian entity's own accounts record an average of zero employees - one part-time worker - with operations outsourced to a team in Vilnius. Two of the three shareholders also own the licensed sister platform Crowdpear.

Every loan carries a buyback from the lender that issued it: if a borrower is 60 days late, that lender repurchases the loan. The group guarantee sits behind that. Aventus Group and Gofingo Group have signed cross-company agreements so that if one of their lenders becomes insolvent, the other companies in that group undertake to cover its liabilities. It has been tested once and it worked: 51.4 million euros of war-frozen loans was repaid in full, with interest, by December 2024. Three limits are worth knowing. It is set out in memoranda on cross-corporate guarantee rather than as a guarantee you hold yourself, so what an individual investor could enforce has never been tested. It is written to trigger on insolvency, not on a lender simply falling behind. And PeerBerry states that both the buyback and the group guarantee may be affected by force majeure, which is close to what happened in 2022, when the 60-day buyback became a 34-month repayment plan. It also covers only Aventus and Gofingo companies: the property lenders, about half the book, have buyback alone.

Protection is contractual, in two layers. If a borrower is 60 days late the lending company must buy the loan back with interest; if a lending company itself fails, other Aventus and Gofingo group companies have agreed to cover its liabilities. Both promises can be set aside in a force-majeure event - and that happened in 2022, when war-hit loans were repaid gradually over almost three years instead. The group ultimately paid all 51.4 million euros with interest, which is genuinely reassuring, but the mechanism works at the group's discretion and speed, and it has never been tested against a failure of Aventus itself.

PeerBerry charges investors nothing: no deposit, withdrawal, service or secondary-market fees. It earns fees from the lending companies instead - worth remembering, since the party paying the platform is the party whose loans it promotes. The real costs are indirect: spare cash waiting for loans (measured at about 4.2 percent of portfolios on average) drags returns down, selling early may require a discount of up to 50 percent, withdrawals are capped at 15,000 euros per transaction, and no tax report is prepared for you - you declare interest income yourself.