For readers of P2P Empire: 0.5% cashback on everything you invest in your first 90 days. How it works
In partnership with P2P Empire

Join Jakub Krejci
and invest with Afranga

Jakub Krejci founded P2P Empire, which has reviewed more than 60 P2P lending platforms since 2017 using its own invested money. Afranga is one of the platforms it holds: an ECSP-licensed European crowdfunding provider paying fixed monthly interest on vetted business loans, from €10.

Start investing Read the P2P Empire review

Capital at risk. Not covered by any deposit guarantee scheme.

  • ECSP licensedFSC Bulgaria
  • No hidden feesFully transparent
  • Founded 20215 years of service
  • €43M+ investedBy 8,500+ investors
Jakub Krejci, founder of P2P Empire
Jakub Krejci Founder, P2P Empire

Who is Jakub Krejci?

Jakub Krejci is the founder of P2P Empire, an independent review site for P2P lending platforms. He has been investing in P2P lending since 2017 and has interviewed more than 80 founders and chief executives from across the industry.

P2P Empire publishes reviews and risk ratings for over 60 platforms, based on its own money invested rather than on platform marketing. It is run by EmpireMedia OÜ in Tallinn, takes no payment for ratings, and discloses its affiliate relationships, including the one behind this page.

Its Afranga review is independent of Afranga and is not uniformly positive. It is linked below, unedited, so you can read the reservations alongside the recommendation.

p2pempire.comIndependent P2P platform reviews and risk ratings

Why investors choose Afranga

A regulated platform, a single product family, and no fee surprises.

  • Licensed and supervised

    Afranga is a European Crowdfunding Service Provider, authorised by the Financial Supervision Commission of Bulgaria under Resolution 863/12.09.2023.

  • Fixed monthly income

    SaveSmart pays an average of 8–10% a year. On the Marketplace, hand-picked loans return up to 16% annually. Interest is credited monthly.

  • Start from €10

    No minimum portfolio, no tiers, and no charge to deposit, invest or withdraw. What you see is what you earn.

  • Documents, not slogans

    Every Marketplace loan carries a Key Investment Information Sheet, so you can read the terms and the borrower's profile before you commit.

  • €43M+

    Invested through the platform

  • 8,500+

    Investors across Europe

  • 2021

    Operating since

  • €10

    Minimum investment

Choose your investment path

Two ways to grow your money, each designed for a different investing style.

SaveSmart Hands-off investing

Just pick your term and rate

SaveSmart allocates your money across vetted loan opportunities and pays a fixed monthly return.

  • Built for simplicity
  • Early withdrawal feature
  • Average 8–10% annual returns
  • Start with as little as €10
Explore SaveSmart
Marketplace Active investing

Take control and choose your own investments

Browse a curated marketplace of business loans with full transparency on risk and returns.

  • Hand-pick individual investments
  • Key Investment Information Sheet (KIIS)
  • Returns up to 16% annually
  • Variety of vetted borrowers
Browse Marketplace

P2P Empire reader offer

0.5%cashback, first 90 days

How the cashback works

  • Register through this page

    Open your account using the button below so the offer is attached to it. It cannot be added afterwards.

  • Invest during your first 90 days

    Everything you put into SaveSmart or the Marketplace in that window counts towards the bonus.

  • Receive 0.5% back

    The cashback is paid into your Afranga account balance and is yours to withdraw or reinvest.

Register & claim the cashback

Offer available to new Afranga investors registering through this page. Subject to the platform terms. Capital at risk.

Getting started is straightforward

Three steps, no complicated paperwork.

  • Create your account

    Sign up and verify in minutes. All you need is a valid government-issued ID.

  • Deposit funds

    Transfer money into your personal account. Your funds are held with Lemonway, a licensed payment institution, separately from Afranga's own.

  • Invest and track

    Choose SaveSmart or pick loans yourself, then follow your interest month by month from the dashboard.

Investing carries risk. Lending money to businesses can result in the partial or total loss of your capital, and returns are not guaranteed. Afranga is not a bank: your money is not covered by any deposit guarantee scheme or investor compensation scheme. Past performance does not predict future results. Only invest an amount you can afford to lose, and read the Key Investment Information Sheet for each loan before you invest.

Invest with the numbers in front of you

Join over 8,500 investors across Europe already earning with Afranga, from €10, with 0.5% cashback on your first 90 days.

Get started

Capital at risk. Already have an account? Log in