Methodology

Platforms don't agree on what "default" means — 30 days late, 60 days, or written off. This page documents exactly what we normalize and how, so a number here can be compared against another platform's number honestly. Where we couldn't normalize a figure cleanly, we show "—" rather than guess.

Default rate: Defaulted loan principal ÷ total originated principal, at time of check. Each platform's own definition of "defaulted" is used as-is (see per-platform notes below) — this dashboard does not attempt to re-derive a uniform day-count threshold across platforms, since the underlying loan-level data to do that consistently isn't always public.
Recovery rate: Recovered amount ÷ defaulted principal, for loans that have defaulted. A high recovery rate on a small number of defaults can be noisy — check the trend, not just the latest point.
Days delinquent (30+ / 60+): % of outstanding portfolio that many days or more late on scheduled payments, as published on the platform's own delinquency-tier breakdown. Not the same thing as "defaulted" — a loan can be 60 days late and still cure.
Self-reported note: The platform's own verbatim claim about its risk record, shown alongside our normalized figure — not instead of it. We don't verify these claims independently; they're shown so you can see where a platform's own framing differs from the normalized number next to it.
"Last checked": Timestamp of the most recent successful automated pull for that platform. If it's more than 2 days old, the dashboard flags it — that usually means the source page changed shape and the scraper needs a fix, not that nothing happened.
"Verify" links: Some are affiliate links — we may earn a commission if you sign up through one. A platform we don't have an affiliate deal with yet still links straight to its public statistics page; either way, "verify" always takes you to the same public source the normalized figures on this page came from, never anywhere else. The link itself is routed through a short /go/<platform> URL so we can count click-throughs — that redirect is the only thing being tracked, and does not affect which page you land on.

Per-platform sources

Platform	Source
Bondora (Go & Grow)	www.goandgrow.eu/en/public-statistics/
EstateGuru	app.estateguru.co/statistics/
Lendermarket	lendermarket.com/loan-statistics
Mintos	www.mintos.com/en/statistics/loan-statistics/
PeerBerry	peerberry.com/en/peerberry-statistics
Robocash	robo.cash/en/statistics

Checked, not added

Two more platforms from the original candidate list were checked live and are not in the table above:

Iuvo Group — its /statistics page returns the logged-out investor-portal application shell, not public figures; the numbers appear to require a session and client-side rendering to load.

Swaper — its statistics page returns a Cloudflare "Just a moment…" JavaScript challenge on every automated request. Solving that would need a headless browser, which the build guide deliberately rules out for this stack.

Both are worth re-checking periodically — either could change.

Known gaps (fix before trusting a number blindly)

Bondora (Go & Grow) — Bondora's old public dataset API (api.bondora.com) is dead; the product rebranded to Go & Grow. Its current statistics page publishes total invested but not a default or recovery rate — both show as "—" until a source for that figure is found (see comments in src/Scraper/BondoraScraper.php). The page also sits behind Cloudflare bot-protection, which can return a challenge page instead of data; the scraper detects and rejects that rather than storing it.
Mintos — the public loan-statistics page doesn't expose a headline default rate directly; only total invested and average interest rate are pulled today.
PeerBerry — no headline "default rate" is published; we show its delinquency-tier breakdown (30+/60+ days late) instead of conflating "late" with "defaulted."
EstateGuru — the richest source in this dashboard: total funded, a historical return, a portfolio-wide recovery rate, and a regulatory default rate are all published directly. The default rate shown is EstateGuru's most recently completed calendar year's figure (they publish one per year, not a running current rate) — check the source link for the full year-by-year table before comparing it against another platform's point-in-time number.
Robocash — publishes only an outstanding-portfolio total; no return, default, or recovery figure appears anywhere on its public statistics page. Independent reviews note this as a real transparency gap on Robocash's part, not a scraper limitation — every other field shows "—" and will keep doing so until that changes.
Lendermarket — publishes total invested, a weighted average interest rate, and a headline default rate directly; no separate recovery-rate figure is published.