Quanloop Review 2026

What it is

Quanloop is an Estonian lending business, set up in 2019 and taking investors' money since 2020. It is not a marketplace of loans you choose. You become a partner in one of a group of Estonian investment funds, which lend the money on to business-credit, leasing and factoring companies in the EU. Quanloop does not name these companies. Its home page shows 87 million invested since 2020 (October 2026), and its about page puts the current portfolio at more than €16 million.

How it works

You pay in from €1 and pick one or more of three risk plans: low, medium and high. You may put all your money in the Low-Risk Plan, up to half in the Medium-Risk Plan and up to a third in the High-Risk Plan. Your money is lent to the fund as one-euro subordinated loans that last 24 hours and roll over each day unless you stop them. Interest builds up daily but is paid out on the 15th of the following month.

Returns

Quanloop's public pages show no interest rate at all (checked October 2026): rates appear only after you register. The latest public figures date from 2021-22 material: up to 8.9% a year on the Low-Risk Plan, 10.9% on the Medium-Risk Plan and up to 15.7% on the High-Risk Plan. These are maximum rates offered, not measured results, and the platform publishes no figure for what investors actually earned. Independent tracking of investor portfolios points to about 15.5% a year (August 2026), which is high for business lending.

Losses and defaults

Quanloop has never published a default rate, a loss figure or a recovery figure, and it has no statistics page. Because you lend to the fund, not to a named borrower, a borrower that stops paying never has to show up in your account: the fund simply earns less. So investors cannot see how often money is lost, or whether it has been.

What secures your money

Very little that you can check. Quanloop says the Low-Risk Plan holds loans backed by collateral worth more than the loan, the Medium-Risk Plan accepts moderate loan-to-value, and the High-Risk Plan may hold loans with high loan-to-value or no collateral. It publishes no list of loans or borrowers, no valuations, no loan-to-value figures and no recoveries. On top of that, your claim is a subordinated loan to the fund: it ranks behind the fund's other creditors. There is no buyback, no reserve fund you can see, no insurance, no separate client account and no compensation scheme. In practice you rely on a fund you cannot look inside, run by one person.

Who runs it and its licence

Quanloop is a group of Estonian companies at one Tallinn address. Valentin Ivanov owns 75% of the holding company, Quanloop Group OÜ, and is the sole board member of the holding company and of the funds' general partner, Quanloop OÜ; co-founder Rene Rattur owns 25%. The fund manager, Osaühing QFM, is registered with Estonia's Financial Supervision Authority only as a small fund manager without an activity licence (since January 2018). The regulator checks only that it registers and reports, not how it runs the funds, and says such managers may run only funds that are not offered to the public. Quanloop holds no EU crowdfunding licence. The general partner had not filed its 2025 annual report by August 2026, after the 30 June deadline. We found no regulator warning or action against Quanloop.

Fees

Quanloop earns the difference between what the borrowing companies pay the funds and what the funds pay you; neither figure is published. Its public pages did not state any investor fees when we checked in October 2026, so ask before you invest.

Getting your money out

Each one-euro loan ends after 24 hours, so you can stop rolling over on any day and withdraw to a bank account in your own name. There is no market to sell to other investors; the daily maturity is the only way out. The money the funds lend runs for much longer than a day, so paying everyone out at once would depend on reserves and new deposits. No withdrawal freeze or delay had been reported up to August 2026.

Our view

Return: Very High — the only figure is a headline of up to 15.7% a year on the High-Risk Plan, from 2021-22 material; nothing realised is published. Risk: High (higher means more risk) — no default or loss figure has ever been published, the borrowers are unnamed, the fund manager is not supervised in how it operates, and your claim ranks behind other creditors. Risk-return: Low — a headline rate alone cannot show that the return pays for a risk nobody can see.