P2P Finance review

Updated September 28, 2026 · BorrowCue Editorial Team · Facts checked September 26, 2026

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Our verdict

P2P Finance is a Croatian lending marketplace built for registered companies rather than individuals. Speed is its edge, with Same working day, within 24h of approval and a soft prequal process, while the 6 term suits a bridge rather than a long rebuild.

Key facts

Best for
Croatian companies bridging a short gap with filed accounts and a local bank account.
Term
6 months (Source, checked September 26, 2026)
Arrangement fee
0.25% + VAT of nominal value per 30 days of financing (Source, checked September 26, 2026)
Credit check
Soft prequal (Source, checked September 26, 2026)
Funding time
Same working day, within 24h of approval (Source, checked September 26, 2026)
Rate type
Fixed (Source, checked September 26, 2026)
Lender type
Marketplace (Source, checked September 26, 2026)
Eligibility
Croatian registered companies with a Croatian bank account, obliged to file financial statements; individuals not eligible (Source, checked September 26, 2026)
Origination fee (%)
0.25% (Source, checked September 26, 2026)
Loan types
Business, Secured, Credit-line (Source, checked September 26, 2026)
Legal entity
P2P FINANCE d.o.o. (MBS 0812714771) (Source, checked September 26, 2026)
Headquarters
Croatia (Source, checked September 26, 2026)
Support channels
Email, Phone, Help-centre (Source, checked September 26, 2026)
Pricing model
Fixed rate
Features
Same-day funding
Official website
p2pfinance.hr

Apps and profiles

Elsewhere
LinkedInfacebook.com

Pros and cons

Pros

  • Speed is the clearest advantage: Same working day, within 24h of approval, which suits payroll and supplier deadlines.
  • Predictable pricing, fixed and fixed rate, so a file can be budgeted in advance.
  • Product range covers working capital and assets, business, secured and credit line.
  • Support runs on email, phone and help centre, so help is not limited to one channel.

Cons

  • Individuals cannot apply. The eligibility rules cover companies registered in Croatia that keep a bank account at home and file their financial statements.
  • The 6 term is short next to 6 to 240 at Sofkredit, so it cannot carry a long investment.
  • Arranging a facility costs 0.25% + VAT of nominal value per 30 days of financing on the nominal value, so a larger loan costs more to set up.

Ready to try P2P Finance?

Scored 8.6 / 10 by BorrowCue.

See alternatives

Who it suits

  • Companies set up in Croatia with an account at a Croatian bank and a record of filed financial statements.
  • Businesses funding a gap rather than a project, given the 6 term.
  • Borrowers comfortable with a fixed rate and a published charge they can read before applying.

Who should look elsewhere

  • Individuals, who fall outside the eligibility rules that cover registered Croatian companies only.
  • Borrowers needing a long runway, since 6 sits well below 6 to 240 at Sofkredit.
  • Borrowers who want nothing to pay at the start, since Creduma ES charges no advance commission while P2P Finance charges 0.25% + VAT of nominal value per 30 days of financing.

Who runs it

The company behind the loans is P2P FINANCE d.o.o. (MBS 0812714771), registered and based in Croatia. Contact runs on email, phone and help centre: phone, email and a help centre, all listed as service channels. For a company weighing a facility, the entity name and the country of registration are the details to check first, since the borrower contract sits with a Croatian company.

How P2P Finance compares

Where P2P Finance is available

Available
Croatia

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What does P2P Finance charge to arrange a loan?+

The published charge is 0.25% + VAT of nominal value per 30 days of financing. Interest is set at a fixed rate, so the cost of a facility is the interest plus this fee, and the fee scales with the amount and the length of the financing.

Who is eligible to borrow?+

Borrowing is open to companies registered in Croatia that hold an account at a local bank and are obliged to file their financial statements. Individuals are not eligible. The platform is run by P2P FINANCE d.o.o. (MBS 0812714771), based in Croatia, so the contract sits with a business lender.

How quickly can the money arrive?+

Funding is quick: Same working day, within 24h of approval. The same-day capability is listed as a same day funding of the service, which matters for payroll or supplier runs that cannot wait. Approval is the trigger, not the first contact.

How long is the repayment term?+

The term is 6, which makes this a bridging product rather than a long amortising loan. For comparison, Sofkredit lists terms of 6 to 240, so a borrower wanting a longer runway should look elsewhere.

Is the rate fixed or variable?+

Pricing is fixed, and the model is fixed rate. The cost of servicing does not drift with a base rate, which suits a business budgeting payroll and repayments from a single revenue line.

What kinds of loan are offered?+

The product list covers business, secured and credit line. A company can fund a general business need, back it with an asset, or hold a revolving line, with the 6 term applied across the range.

How is an application assessed?+

Applications begin with soft prequal, so the first look is lighter than a hard check, and the lender is a marketplace. Because the money comes from investors rather than one balance sheet, a decision can depend on the appetite of the funders.

How can a borrower get help?+

Support runs on email, phone and help centre. A borrower can call, write, or work through the help centre, and the channels are worth using before a file is submitted, since the product is aimed at companies rather than consumers.

Sources

Compiled from 5 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: APR, Loan amount, Representative example.

P2P Finance

Croatian companies bridging a short gap with filed accounts and a local bank account.

8.6/10See alternatives

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